Hi Pete, Unfortunately we are still stuck with the car, though I did manage to get the low life's to pay half of the costs to get the electronic handbrake replaced as a good will gesture considering it was partly their fault due to misunderstanding the situation. We are still stuck with a car with no heating as the blower motor is stuffed due to the water ingress last winter, my question is why do idiotic vehicle manufacturers make the drainage outlets so bloody small. The answer to it is simple enough after a moments thought. They do it to cause the problem, so when it does happen you're stuck with either taking it back to them so they can fleece you or to a specialist so they can fleece you. We still haven't paid half the finance but I do know we will have to fix anything needed fixing on the vehicle before handing it back as it's in the small print. I'd like to know if we can hand it back for sure without having to pay anything after we have paid half the finance balance too.

Thanks for all the info, I will be sure to make good use of it all should it get that far, if the finance company don't pay out for the car to be fixed or take the car back and rip up the contract then ill look to these other options. Waiting to see if Watchdog are interested and contacted the Financial Ombudsman for info. Ill keep you updated!

Yes we were asked but no we were not sent a list of what is covered, terms and conditions came on the same paper as the pre contract and we received nothing else. The warranty is through both First Response and Axa the under writers. We have an appointment on the 30th with the solicitor for 1 hr free just to get their advice on other possible options. Also waiting for a return call from First Response after I let them know about me intending on fighting this.

Thanks I hope the regulation helps because, by my calculation we are only a quarter the way to what we owe them. These people will not reply, I spoke to three other people who are having problems with them and none of the two that have tried have received anything in writing back unfortunately. I've sent our story to BBC Watchdog and I'm currently looking for a solicitor who can help. Edit: just waiting for call back from solicitor but still appreciate all the help you can give.

I've just had a full blown argument with them on the phone, they stated that you're wrong about them being partly responsible and advised that we should pay for the problem to be fixed because we have had the car for 12 months now.

Hi again, Is there any hope for us?

Second attempt now in pdf format.

Ill get to work on uploading it now, please bare with me

We were offered the insurance and took it because we were told it would protect us, like for this situation and other similar past situations where the car needed fixing. We were not informed of any other companies. They didn't say we had to have the insurance, just advised it would be beneficial. Turns out it isn't benefical because everything that had gone wrong is apparently not covered.

Total credit is: £3267 Optional Insurance total is: £717 41 monthly payments of £127.66 and 1 final payment of £202.66 Final Credit total is: £5436.72 Final Optional Insurance total is: £1093.26 Our first payment was April 2012

It says: The Type of credit: Credit provided under Hire Purchase Agreement How and when credit will be provided: We will purchase the vehicle from the dealer by paying them the amount of credit on the date we sign the credit agreement. You may then collect the vehicle from the dealer. We will hire you the vehicle, and you will have an option to purchase it.

They never sent us a list, only the credit agreement.

Hi Conniff, It was our only way of getting a vehicle which we use for work and child, we had no other option but to go with these people unfortunately. it is HP I believe, they bought the car from the dealer and we pay monthly which includes GAP & Vehicle Warranty Insurance. Almost three times what the cars worth and we are being forced to pay to fix the car completely for as much as the car is worth.

Hi, as naive as I am to the legal and mechanical sectors, we still feel we have been and are being unfairly targeted by First Responce Finance. In April 2012 we went and looked at a car for our family and stumbled across two cars at a used car dealer, a Renault Grand Scenic and a Vauxhal Zafira. The Scenic being electronic and the Zafiri not, boy do we wish we went with the Zafira now. We are a new working family with a 10 month old so I'm sure you can understand we are not made of money, since buying the second hand Renault through finance I have had to take out a loan to pay out £600 to fix problems because they're not mechanical problems. Now here's where it gets frustratingly surreal, the car is both electronic and mechanical and the current problem we are having is the Parking Brake and Wiring. We have been told the car needs a whole new parking brake and wiring installed, the parking brake is both mechanical and electronic and its going to cost £700 to get the job done. As it is the car is only worth about £1700 if there were nothing wrong with it. First Response Finance are saying that they won't pay for the Parking Brake and wiring to be replaced because it isn't in their list of mechanical parts. A parking brake not in their list of mechanical parts covered? Since day one of taking our hard earned money they have not helped us once in any way what so ever, they refuse to take the car back without us paying the rest of the amount owed. We have no money left and a car that we can't use because its failed its mot on the above issue and the tax runs out in a month. Is there anyone that can help or at least give us some advice please. Starting to feel like I've let my wife annd son down because its my fault she chose this stupid electronic car. We've never missed a repayment.