Car Purchase (from a dealer)
If you buy a car from a motor dealer you enter into a legally binding contract governed by the Sale of Goods Act 1979 (as amended by the Sale and Supply of Goods Act 1994 and the Sale and Supply of Goods to Consumers Regulations 2002). When you buy from a motor trader you have the right to expect the car to be:
of satisfactory quality;
fit for its purpose, including any special purpose made known to the seller;
If you have bought a car from a trader which turns out to be faulty or which you think has been misdescribed (in this cae the mis despcrition relates to finance), you need to take action straight away.
The Sale of Goods Act 1979 and the Consumer Credit Act 1974 say that, if you can show the goods to be faulty or misdescribed, you have 'for a short time after purchase' a right to reject the goods and get a refund of the purchase price.
You should contact Consumer Direct for advice: www.consumerdirect.gov.uk. Telephone: 08454 04 05 06.
You may also want to contact Trading Standards for further advice: www.tradingstandards.gov.uk
If Consumer Direct or Trading Standards advise you that you have a strong case, you may need legal advice. For legal advice, you should start with the Citizens Advice Bureau: www.citizensadvice.org.uk.