An unpaid warranty

[Mopey]

Hello, I have never experienced anything like this, so this could be a complete novice question.. but here is the story

Just after a little advice on my present situation. I bought a car from a recognised dealer (used car) early January, part of this was a six month warranty all wrapped up in the price.

Then 29th january I receive a letter from the warranty provider that the garage had gone through saying that my dealer failed to pay so my six month warranty is cancelled.

So I follow this up to discover that the company I bought the car off have gone into administration, I have chatted now to the administrators who have lodged me as a creditor for the money that a warranty would cost. Though they said I am highly unlikely to get all my money back.

However my question is this,

What happens if my car suffers a major fault (when it would have been in warranty which I thought I had bought)? Would I have a case for further recompense?

For further info, I did not pay for the car on a credit card as my limit was too small (not a company director) so paid it on a debit card. I am now aware of how much the warranty would be as I have called them and asked for them to give a letter that I can send to the creditors, I have found out about chargeback and will explore that, it is more from a legal point of view where do I stand?

I would not have bought the car without warranty, and I can hardly give it them back since they don't exist anymore, so not sure what to do?

I recognise I could just go and buy privately another 6 month warranty, but the principle is that I have already paid out for a product they have failed to deliver on. Any advice gratefully received.

Thankyou.

[Mopey]

eybic said:

If I were you, I'd chalk it up to experience and move on.

You don't have a warranty and if you do get anything from the administrators then it will be a few pence for every pound you are owed. As has been said though, there probably isn't any money in the bank so you'll more than likely get nothing from them.

So it's just one of those things? What happens if I do get a serious problem with the car? Surely I would have somesort of comeback?

[Mopey]

rallycross said:

Mopey said:

So it's just one of those things? What happens if I do get a serious problem with the car? Surely I would have somesort of comeback?

No not a chance and I think it's odd that you think someone somehow would help.

Well I was just assuming when you buy something and its not quite as it should be you are protected as a consumer, im assuming that all goes out the window when a company winds up...
Guess Im just thankful I didnt lose more money on a deposit or service plans etc...

[Mopey]

CaptainMorgan said:

There is nothing to come back on. I've just lost £722 on a set of living room furniture after the shop went bust, I'm listed as a creditor but they'll have barely anything worth money so I cannot claim anything from anyone. Sadly thats life, in future, use the credit card, I'm pretty sure as long as you spend over £100 of what the item cost it's covered.

By the sounds of it you have no issues with the car yet anyway? Fingers crossed you'll be ok with it.

Yes just read that
If the car was 10k and i paid £100 deposit on the CC then I would get my money back, lesson learnt but I may try this chargeback idea, may be worth you having a go too.

[Mopey]

Hi. No not yet but I think I'm in the position that even if there were a problem I have no one to take it back too. As I say I would not have purchased the car without warranty (which I thought I got legally for 3 months from a garage?)
I bought the car after a long time of them fixing it getting it ready only for them to fold I think six days later.

[Mopey]

Monkeylegend said:

Out of interest did the cost of the warranty show as a separate itemised cost on your invoice from the trader or was it wrapped up in the price of the car?

Wrapped up in the price of the car. I've begun a claim through chargeback with my bank. Worth a go.

[Mopey]

Roo said:

There is no obligation for a dealer to supply a warranty on a used car.

See, also, my earlier comment about warranty funds.

Thanks roo.

[Mopey]

Monkeylegend said:

Mopey said:

Monkeylegend said:

Out of interest did the cost of the warranty show as a separate itemised cost on your invoice from the trader or was it wrapped up in the price of the car?

Wrapped up in the price of the car. I've begun a claim through chargeback with my bank. Worth a go.

I have just recently bought a car with a 6 month warranty included in the price of the car. I suppose technically they could argue the warranty is free.

Good luck with the claim back.

Well it appears as an item on my receipt but with no cost. Hence I've phoned the company to get a cost.
I thiught by going through a main dealer I was minimising risk, you live and learn.

[Mopey]

CaptainMorgan said:

I thought it was some two bit back street garage? Main dealer?

Ok so to clarify. I bought my used car from a dealership- this dealership I believe was a family run business with a contact with a car make. That car make pulled out and so they folded...

[Mopey]

Roo said:

A franchise dealer will, ordinarily, get two years notification of termination.

Doesn't help you, I know, but it's unlikely they still had anything to do with the manufacturer they used to represent.

Well they were still flogging their vehicles.
They had two garages with different manufacturers and apparently both pulled out same week:..
I'm not sure me contacting the manufacturer would help anyway as I didn't buy one of their vehicles.

[Mopey]

Just to update the chargeback scheme worked.
So if you like me bought something on a debit card that you never received due to them folding etc. well worth trying chargeback. Result.