Advice please, stuck with a lemon on Finance.

Advice please, stuck with a lemon on Finance.

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TooMany2cvs

29,008 posts

127 months

Wednesday 26th August 2015
quotequote all
George111 said:
A turbo usually fails when the bearings fail, a recon turbo for a common car is usually £300 or so exchange and fitting doesn't take very long for a competent mechanic.
Usually.

The 1.6HDi/TDCi, especially, does seem to have a whole raft of interesting failure modes, and there's a lot of inlet tract and oilway cleaning - or preferably replacement - that really should go along with the turbo replacement if you want it to have a chance of lasting.

As more and more turbos get replaced, the race to the bottom of the market on price has hotted up, and I'll let you guess exactly how much TLC's gone into this...
http://www.ebay.co.uk/itm/301723070969
or
http://www.ebay.co.uk/itm/271623288994
(includes gaskets? A good quality gasket set is damn near half that price alone...)

Roverload

Original Poster:

850 posts

137 months

Wednesday 26th August 2015
quotequote all
TooMany2cvs said:
George111 said:
A turbo usually fails when the bearings fail, a recon turbo for a common car is usually £300 or so exchange and fitting doesn't take very long for a competent mechanic.
Usually.

The 1.6HDi/TDCi, especially, does seem to have a whole raft of interesting failure modes, and there's a lot of inlet tract and oilway cleaning - or preferably replacement - that really should go along with the turbo replacement if you want it to have a chance of lasting.

As more and more turbos get replaced, the race to the bottom of the market on price has hotted up, and I'll let you guess exactly how much TLC's gone into this...
http://www.ebay.co.uk/itm/301723070969
or
http://www.ebay.co.uk/itm/271623288994
(includes gaskets? A good quality gasket set is damn near half that price alone...)
Agreed, my mechanical experience comes from old VW's and Rover K series engines. I know very little about turbo engines never mind modern turbo engines. The cartridge idea went out of the window pretty quickly. The garage advised a brand new unit from turbo dynamics as he's always had problems with recon units. We're going to hold off repairing it for a bit and see if we can get any help from the dealer or the finance company. Failing that we're stuck with it and not sure what to do, if we can't sell it and it's just going to keep breaking which, from what I've read, is likely, we're just going to let it sit there until we work out what to do. Personally I'd be looking to the finance company to allow a trade in and re-finance on a different car, yes we'd take a hit but either way it's going to cost her money.

The previous point about mileage over 6 years. The plan originally was that she was going to move closer to Bristol so she has good access to all her clients which would probably reduce her weekly mileage down to around 300 miles per week, and also at the time she wasn't self employed so re financing for something brand new after 2 years was the plan. Obviously not really do-able until she's been successful for a couple of years.

Thank you everyone for the replies. Any suggestions / advice is most welcome.

northwest monkey

6,370 posts

190 months

Thursday 27th August 2015
quotequote all
If it's a HP agreement (not a loan), once she's paid 50% of the finance (i.e. had the car 3 years) she can give the car back and cancel the finance agreement. Not ideal, but at least she'll only be stuck with the car for another couple of years.

sealtt

3,091 posts

159 months

Thursday 27th August 2015
quotequote all
If you sell the car privately, the buyer can settle the balance with the finance company and pay you the balance.

Or she could get a loan from family / friend / loan shark (if she has 0 credit), pay off car, sell car and repay loan.

Andyjc86

1,149 posts

150 months

Thursday 27th August 2015
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Roverload said:
I believe she is 8 months in to a 6 year contract.

UPDATE: Turbo has gone completely as a result of the inlet manifold coming up, some chunks of carbon made their way to the turbo and messed it right up. The garage who have the car advised a new inlet manifold and a new turbo. With labour we are looking at another £1000 ish bill. Again, alot of computer stuff needs to be done which pushes the price up. A dealer told me today another fault with the 1.6 that causes turbo failure is the oil feed to the turbo, apparently its too small and gets blocked easily, sump has to come off for that. Unsure if this has also been a factor. He then told me Tha neither he or any other respected dealer local to me will touch them with a barge pole as they always come back broken.
After spending that £1k, you won't get any warranty with the replacement. The turbo failures are that common on them, most motor factors won't supply turbos. To get a warranty from Garrett, their are 2 pages worth of parts that need replacing, it's crazy!

I spoke to my local Citroen dealer about the problem for a customer, they said when the turbo goes and the cars in warranty, they replace the whole engine as it's easier.

When you enter one of these engine in my suppliers computer, and select turbo, the screen genuinely flashes red.

That said, you can buy the stuff from eBay for about £300 iirc, and you're right about the feed pipe having to be replaced.

Out of interest, how much is she paying a month? It can't be a lot over that time frame?

mini me

1,435 posts

194 months

Thursday 27th August 2015
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loose cannon said:
Adblue in cars ffs well I never sorry carry on
Just to clarify, its not ad blu.

These early DPF systems are what we called ADPF or additive DPF systems. They require an extra element of oxidiser in the soot in order to regen successfully at the allowable dpf temperatures. Its been so long ive forgotten the name of the actual chemical but it isnt ad blu. ad blu is generally for SCR systems.


These days we don't use additives as we have better DPF materials which can survive higher temperatures meaning we can burn the soot off at a higher temp without destroying the dpf.



Blanchimont

4,076 posts

123 months

Thursday 27th August 2015
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Alg123 said:
Bloody fords. Fun to drive, well the focus is. But absolutely ste otherwise.
Funny. I had a Ka, and was brilliant.

I suspect you think VW's are "bulletproof"?

PositronicRay

27,043 posts

184 months

Thursday 27th August 2015
quotequote all
northwest monkey said:
If it's a HP agreement (not a loan), once she's paid 50% of the finance (i.e. had the car 3 years) she can give the car back and cancel the finance agreement. Not ideal, but at least she'll only be stuck with the car for another couple of years.
For a VT the car has be maintained and in a condition consummate with the age and mileage.

Mastiff

2,515 posts

242 months

Thursday 27th August 2015
quotequote all
mini me said:
Just to clarify, its not ad blu.

These early DPF systems are what we called ADPF or additive DPF systems. They require an extra element of oxidiser in the soot in order to regen successfully at the allowable dpf temperatures. Its been so long ive forgotten the name of the actual chemical but it isnt ad blu. ad blu is generally for SCR systems.


These days we don't use additives as we have better DPF materials which can survive higher temperatures meaning we can burn the soot off at a higher temp without destroying the dpf.
I'm sure you are right (I see from your profile that you are an Automotive Engineer) but can I ask what the difference is between these diesel engines and (for example) Land Rover?

The latest 16MY Land Rover products are using Ad Blue with DPF systems. This apparently makes them EU6B Compliant.


TooMany2cvs

29,008 posts

127 months

Thursday 27th August 2015
quotequote all
Mastiff said:
but can I ask what the difference is between these diesel engines and (for example) Land Rover?

The latest 16MY Land Rover products are using Ad Blue with DPF systems. This apparently makes them EU6B Compliant.
In a diesel engine that's a joint-venture design between Ford and PSA...

Older PSA DPFs used Eolys fluid, not AdBlu.

anonymous-user

55 months

Thursday 27th August 2015
quotequote all
AdBlue is to reduce NOx output not particulates, the eloys stuff was to enable older DPFs to burn the soot off but as a previous poster said that's unusual these days due to improvements in DPF tech.

xRIEx

8,180 posts

149 months

Thursday 27th August 2015
quotequote all
Hamish Finn said:
Remember the agreement is between the buyer, the supplying dealer and the finance company. Three way agreement.

If the dealer is not honouring any warranty (or perceived warranty), then speak to the finance company. Explain what has happened.
This. Under the Consumer Credit Act, isn't a finance provider jointly liable?

mini me

1,435 posts

194 months

Thursday 27th August 2015
quotequote all
Mastiff said:
I'm sure you are right (I see from your profile that you are an Automotive Engineer) but can I ask what the difference is between these diesel engines and (for example) Land Rover?

The latest 16MY Land Rover products are using Ad Blue with DPF systems. This apparently makes them EU6B Compliant.
Modern emissions regs mean we have a much lower target for Nox. This is generally met by a SCR (specific catalytic reduction) and Nox traps. On the more heavy duty applications we require ad blu to help along the SCR process due to the higher rate of Nox produced due to more load.

here is a link to an explanation of the VW system. Apologies for takingthis off topic.

http://www.volkswagen.co.uk/technology/diesel/adbl...


Roverload

Original Poster:

850 posts

137 months

Thursday 27th August 2015
quotequote all
xRIEx said:
Hamish Finn said:
Remember the agreement is between the buyer, the supplying dealer and the finance company. Three way agreement.

If the dealer is not honouring any warranty (or perceived warranty), then speak to the finance company. Explain what has happened.
This. Under the Consumer Credit Act, isn't a finance provider jointly liable?
Can you give me a bit more on this? I.e. What to say to them 😁

MG CHRIS

9,085 posts

168 months

Thursday 27th August 2015
quotequote all
feef said:
MG CHRIS said:
Its not so much the car more the choice of engine the tdci engine are the worst diesel engine of all time built by the French why ford ever decided to use them is beyond me.
The DLD-416 used in this car was built in the UK

The DLD engines were a joint venture between PSA and Ford and are used in PSA group cars, Fords, Minis, Mazdas and volvos and are made 50/50 between Ford (plants in Dagenham and India) and PSA in France

This particular engine is UK made
Still they are a shocking engine.

MG CHRIS

9,085 posts

168 months

Thursday 27th August 2015
quotequote all
George111 said:
Roverload said:
UPDATE: Turbo has gone completely as a result of the inlet manifold coming up, some chunks of carbon made their way to the turbo and messed it right up.
I don't understand this and I'm not sure it would even be correct if I did.

A turbo usually fails when the bearings fail, a recon turbo for a common car is usually £300 or so exchange and fitting doesn't take very long for a competent mechanic.
Im guessing you have never done a turbo on one of these engines.

bearman68

4,662 posts

133 months

Thursday 27th August 2015
quotequote all
Yeah, but these engines are a nightmare to change the turbo on, and the turbo companies will not honour warranties.
IF you can get someone to honour it, you will need to change the turbo, oil supply and drain pipes. Then you need to remove the sump and change the oil pump.
It's a difficult and time consuming job, and one that is likely to bite you in the arse. I certainly would not be in a hurry to do this job, and I've done loads of turbos.

The root cause of the issue is the injector seals leaking, and infrequent oil changes. I bet you will find leaking injectors.

Personally I would get rid of it and buy a something else - older and more relaible. An old Pug 406 2.0 hdi would be a good bet. £500 and sorted.

Sorry for your trouble, but changing the turbo will be the start of a pile more.

TooMany2cvs

29,008 posts

127 months

Thursday 27th August 2015
quotequote all
MG CHRIS said:
Still they are a shocking engine.
My mother and brother both have 1.6HDi 207 estates, and they're both "annual service/mot" people... It's a timebomb. They can't say I've not warned 'em...

Paradaxos

135 posts

119 months

Friday 28th August 2015
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TooMany2cvs said:
My mother and brother both have 1.6HDi 207 estates, and they're both "annual service/mot" people... It's a timebomb. They can't say I've not warned 'em...
Why have you allowed them to possess such a travesty?

The 207 is my least favourite modern car.

Momentofmadness

2,364 posts

242 months

Friday 28th August 2015
quotequote all
Fix it, valet it, sell it - settle finance (even if there is a small penalty in interest) then buy something cheaper and more reliable.

smile