MINI2

chipcooper · Apr 24th, 2007, 07:44 PM

I have a few faults with my R56 MCS.Some have been fixed and others are still awaiting a fix! Do I have any rights to not paying my finance?I have been told by mini that I have to wait untill the fix is avalible!!!

*Vikki* · Apr 24th, 2007, 07:52 PM

i wouldent of thought so!

DerekH · Apr 24th, 2007, 07:52 PM

Chip i would be very careful with this i would ask the dealer to contact Mini finance if it's with them due to circumstances but if you have loan car may be hard would be good will gesture don't stop any payment unless got written confirmation or may affect your credit rating

Martin F · Apr 24th, 2007, 07:56 PM

Under s75 of the Consumer Credit Act the finance provider is usually jointly liable for any defects in the car. You should serve notice on mini finance that you are holding them liable for any defects in your car. But for the time being I would advise continuing to make the payments as and when they fall due.

Goonery · Apr 24th, 2007, 07:58 PM

Your car could be reposessed if you fail to make the payments in line with the agreement even though it has not been in your posession.
In normal circumstances you will recieve written notification from the finance company asking you to resume payments, but if you fail to agree a solution it can get a bit messy.
Ideally you should contact them and explain the situation and then depending on the response take some form of action.

chipcooper · Apr 24th, 2007, 08:28 PM

Cheers for all the advice! It's just stopped me doing something daft!!!

Apr 24th, 2007, 07:44 PM	#1
chipcooper MINI2 Regular Join Date: Jan 2002 Location: Bolton Local Time: 02:45 AM Posts: 75 Offline	Not paying finance I have a few faults with my R56 MCS.Some have been fixed and others are still awaiting a fix! Do I have any rights to not paying my finance?I have been told by mini that I have to wait untill the fix is avalible!!! COOPER S

Apr 24th, 2007, 08:28 PM	#6 (permalink)
chipcooper MINI2 Regular Join Date: Jan 2002 Location: Bolton Local Time: 02:45 AM Posts: 75 Offline	Cheers for all the advice! It's just stopped me doing something daft!!! COOPER S

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Apr 24th, 2007, 07:52 PM	#2 (permalink)
Vikki Winner MM best MINI ONE! My Classifieds Join Date: Jun 2004 Location: St Leonards-on-Sea Local Time: 02:45 AM Posts: 2,307 Offline	i wouldent of thought so!

Apr 24th, 2007, 07:52 PM	#3 (permalink)
DerekH MINI2 Master Join Date: Mar 2007 Location: Fraserburgh Local Time: 02:45 AM Posts: 827 Offline	Chip i would be very careful with this i would ask the dealer to contact Mini finance if it's with them due to circumstances but if you have loan car may be hard would be good will gesture don't stop any payment unless got written confirmation or may affect your credit rating

Apr 24th, 2007, 07:56 PM	#4 (permalink)
Martin F Making it add up Join Date: Apr 2006 Location: Sussex Local Time: 02:45 AM Posts: 644 Offline	Under s75 of the Consumer Credit Act the finance provider is usually jointly liable for any defects in the car. You should serve notice on mini finance that you are holding them liable for any defects in your car. But for the time being I would advise continuing to make the payments as and when they fall due.

Apr 24th, 2007, 07:58 PM	#5 (permalink)
Goonery You can put lipstick on.. My Classifieds Join Date: Aug 2003 Local Time: 02:45 AM Posts: 13,713 Offline	Your car could be reposessed if you fail to make the payments in line with the agreement even though it has not been in your posession. In normal circumstances you will recieve written notification from the finance company asking you to resume payments, but if you fail to agree a solution it can get a bit messy. Ideally you should contact them and explain the situation and then depending on the response take some form of action.

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