22/04/2026
Good Afternoon All,
We’ve all been there. You sell a car, it goes out the door with a fresh oil service and a clean 12-month MOT, and you don’t hear a peep from the customer for over half a year. As far as you’re concerned, it’s a successful sale and a happy driver.
Then, out of nowhere, an email lands from the finance house.
The customer has raised a formal complaint. Suddenly, you’re being told you’ve already used your "one opportunity to repair" under the Consumer Rights Act 2015. How? Because the customer used their third-party warranty for a minor issue months ago without even telling you.
It’s a trend we are seeing time and time again. Finance houses are pushing dealerships to the wall, often without providing a shred of evidence regarding the actual fault. They are banking on the idea that you’ll simply roll over to protect your commercial relationship with them.
Take a recent case we handled. A customer bought a car in August, drove it for 5,000 miles, and had a shock absorber replaced under warranty. The finance house tried to claim this was the dealership’s "one chance" to fix the car, and that because a fault appeared within six months, it was legally deemed to be present at the point of sale.
The reality? A shock absorber on a car driven 5,000 miles is wear and tear, especially with a clean MOT at the point of sale.
When the customer later complained about an oil leak from a perished crank seal after driving 8,600 miles, the finance house tried to hold the dealer liable. By digging in our heels, we forced them to realise that a seal perishing after nearly 9,000 miles of driving is not a pre-existing fault. After we reiterated the law, specifically that after six months, the burden of proof shifts to the customer, the finance house closed the case with no further action.
The lesson here is simple: your commercial relationship is important, but it shouldn’t cost you your rights. You don't have to accept every demand just to keep the peace.
If you are currently facing an ongoing dispute with a finance house and aren’t sure where you stand, don’t feel pressured into an unfair settlement.
Give Legalsolutions4u a call today on 0191 481 3992
Best regards,
The Legalsolutions4u