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How much did the car cost?
Let me see if I can help and please rate 5 stars. Firstly the money is owed by the garage and you are entitled to the full money back. I would be minded to contact Trading Standards and raise a compliant with them. You can also sue them in the small claims court at www.moneyclaims.gov.uk for the money owed. However, there is potentially better news. This all stems from the fact that Section 75 of the Consumer Credit Act 1974 states if you pay for something costing between £100 and £30,000 on credit card (not debit card), the card firm is jointly liable with the retailer if something goes wrong.