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Hello my name is ***** ***** I will help you with this.
If you purchased the vehicle ON finance then yes you have protection.
The lender is liable for the dealers failings under Section 75 of the Consume Credit Act
If you had been to the bank and obtained a loan then you would not have the same protection
But If the dealer supplied the finance then you may have a claim.
If you purchased the car 4 years ago and the car had a warranty then you have a claim.
This is because you can sue the lender for breach of contract for the goods are faulty.
However if you did NOT have a warranty or it has expired and given the vehicle is 4 years old then you will not have a claim.
This is because the law states that you are entitled to protection for the warranty period or 6 months.
If the vehicle is out of warranty then you have no claim
If the vehicle is in warranty then you have a claim against the finance company
Can I clarify anything for you about this today please?
The warranty was a issue, the problem was first brought up under warranty but by the time the garage found out what the problem was the car was then out of warranty, the car manufacture did provide a new engine but did not cover labour costs. Since the repair the car have not been driven as I have no confidnce in the car, the car had only done 11,000 miles under warrenty when the engine first started to have problems.
How long as the original warranty?
I thought that if a company went bankrupt and you had a problem with goods brought from the bankrupt company on finance there was a law that covered you?
Yes to a certain extent
However if the car was OUT of warranty then you won't have a claim
The finance provider is only liable for the period of time the dealer would be, not for the life of the finance.
Therefore if a car is out of warranty then the lender is not responsible
Does that clarify matters?
Yes thank you.