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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 30929
Experience:  Over 5 years in practice
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I signed a purchase order for a car on personal contract on

Customer Question

I signed a purchase order for a car on personal contract on Saturday.
Had a sleepless night worrying about paying for it.
Cancelled on Sunday - dealer very understanding and said he would refund deposit.
Today, Monday - he called to say I couldn't have deposit back - car already ordered and on its way (!) and I had signed an agreement to purchase.
Where do I stand?
Submitted: 2 years ago.
Category: Law
Expert:  Jo C. replied 2 years ago.
Hi.

Thank you for your question. My name is Jo and I will try to help with this.

When you say a purchase order, you mean that you have just gone into a dealership and agreed to buy?
Customer: replied 2 years ago.

Yes, I signed an order form. I have not signed the finance agreement/personal contract yet as they said this would be sent to my home from Lexus Finance.


 

Expert:  Jo C. replied 2 years ago.
Thanks.

What type of finance is this? Is this HP?
Customer: replied 2 years ago.

Personal contract - small deposit - pay monthly for 3 years then purchase remainder or return car or put any equity onto new car.


I already have a car from them (paid by my previous employer) now that I'm self employed I am worried I couldn't keep up payments.


Don't think its HP - more like hire.

Expert:  Jo C. replied 2 years ago.
Is this a personal lease then?

Customer: replied 2 years ago.

On the form it states "personal contract purchase" but I've not signed this yet.


I have signed the vehicle order form which states I/we hereby agree to purchase etc etc


I thought large purchases had a cooling off period?

Customer: replied 2 years ago.

On the form it states "personal contract purchase" but I've not signed this yet.

I have signed the vehicle order form which states I/we hereby agree to purchase etc etc

I thought large purchases had a cooling off period?

Expert:  Jo C. replied 2 years ago.
Ok. This is a lease purchase contract. No, there is no automatic cooling off period unless you agree one.

Can I presume that you did this deal in store and nothing was negotiated over distance?
Customer: replied 2 years ago.

Hi - in the dealership - they have just let me know they are going to refund! Think its sorted.

Expert:  Jo C. replied 2 years ago.
That is wonderful.

I'm glad it worked out.

All the best.

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