Car on finance has gone wrong
Car on finance has gone wrong
If the vehicle is on finance (HP or PCP), the finance provider may share responsibility with the dealer. A parallel complaint addressed to both is often appropriate.
Plain English explanation
Finance providers care about documented, structured complaints. They expect facts, dates and a clear outcome request.
What information matters
- Finance type (PCP, HP, loan)
- Finance company name and agreement date
- Dealer's response so far
Evidence checklist
Purchase invoice
Advert screenshot
MOT history
Diagnostic report
Emails/messages with dealer
Repair estimate
Finance agreement
Common dealer responses
- "Speak to the dealer first."
- "We only deal with payment matters."
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VehicleRights helps you organise those facts into a professional complaint pack.
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Can I stop paying?
No — keep paying while the complaint is in progress.