PCP (Personal Contract Purchase) Finance

Under the Consumer Rights Act 2015, goods must be of satisfactory quality when supplied, and faults identified within six months are presumed to have existed at supply unless the supplier proves otherwise.

Under the Consumer Rights Act 2015, goods supplied under a regulated consumer credit agreement must be of satisfactory quality, which includes durability; a timing chain failure at 54,000 miles is premature and indicates unsatisfactory qual

Under the Consumer Rights Act 2015, goods supplied must be of satisfactory quality, and where they are not, the supplier must take appropriate remedial action within a reasonable timeframe.

A lender acts fairly in declining refinancing applications based on responsible lending affordability checks and is not required to conduct income and expenditure assessments when the customer has indicated inability to afford additional pa

A consumer requesting a partial early repayment must receive clear information about the impact on repayment amounts and timing, but the lender may reasonably rely on the consumer's explicit instructions to proceed.

A finance provider can be held responsible for misrepresentations made by the dealership during antecedent negotiations under section 56 of the Consumer Credit Act 1974, but only where the consumer was not made aware of material facts befor