faulty thermostat on 9mts old car - Car Giant/moneybarn

[robbbbb]

hi,

 

i bought my 2009 mini from car giant 9 months ago using a hp loan from moneybarn.

 

last week because of a faulty thermostat the engine blew and now the car is a right off.

 

ironic really as i chose to get a newish car from a large dealership becasue i was fed up of breaking down!

 

I cannot afford to pay 6k for a new engine and

 

i stil have 10k left in finance.

 

What are my options?

 

what do finance companies do in these cases,

 

id like to find out my options before contacting the finance company.

 

many thanks

[Bazooka Boo]

Not sure I follow?

 

You have one car on finance, and got another one because the first kept breaking down?

How were you going to finance them both at the same time?

 

6k for a new engine? Where the hell did you get that quote from?

You can have someone do a rebuild for 7-800 quid...

[robbbbb]

hi,

 

i got a car on finance.

 

the engine blew after 9 months,

it cant be rebuilt.

 

its a 2009 mini cooper,

 

to replace it would cost in the region of 5 to 7k.

 

even if it ws 3-4k i still couldnt afford to do it.

 

for insurance purposes its a write off.

 

i wanted to know what my options were

[Bazooka Boo]

What do their T&C's say regarding this?

[robbbbb]

i didnt find anything regarding the vehicle being written off due to mechanical failure. it just concentrates on accidents and theft

[dx100uk]

you go back to car giant and get it fixed under

http://www.legislation.gov.uk/ukpga/1994/35/crossheading/provisions-relating-to-the-united-kingdom?view=plain

 

you also inform moneybarn too

are you SURE this IS an HP agreement

not a conditional sale or Bill of sale agreement too?

 

either way they are equally responsible to fix it

 

the only issue here is if you continued to drive it after the faulty thermo was found

an you cooked the engine thus warping the block?

 

its for you to get a report done

and prove otherwise

 

you'll get that cost back if you win too.

 

dx