Using finance (PCP & HP) repayments to get problems fixed?

[carinaman]

Would withholding finance repayments be one way of getting a dealer and manufacturer to meet their obligations with regard to the manufacturers warranty and fixing problems that the brand and model are known for?

Would the buyer have greater leverage and consumer protection for the duration of the manufacturers warranty if they paid for the motorcycle by Credit Card(s)?

[horsemeatscandal]

No and no.

[lukeyman]

The finance company is obliged to investigate any complaints on your behalf though. I got compensation from Black Horse for two occurrences of the same fault that annoyed me with a bike. They agreed it was inconvenient and spoilt the ownership experience.

[carinaman]

Thanks lukeyman. Treating yourself to a brand new toy on the partial justification that you'll avoid potential problems with buying used falls flat if the new toy has ongoing problems that spoil the ownership experience.

[Birky_41]

No and no. Definitely don't do that.

You have rights though as the finance is attached to the bike, not a personal loan

How long have you had the bike and finance. Is this the first fault? Has the same fault been rectified before? What time frames?

[carinaman]

Thanks horsemeatscandal and Birky.

More a case of once bitten, twice shy. And wary of being a mug punter again.

To get rid of a bike bought new outright without finance that's had two expensive, complicated parts replaced under warranty that then do the same again I am considering trading it in with the same dealer for a more expensive bike from the same manufacturer. One of the ongoing expensive issues with my existing bike can also be an issue on the new, supposedly better one.

The additional money for finance is negligible so I was wondering if finance could be used a potential lever to get the dealer and manufacturer to get their crap together should the new bike be the same with regard to defects, attempts to fix it and parts availability.

[NS400R]

I'm struggling with this one. You know the dealer and manufacturer are unhelpful and the producy they sell has expensive defects, yet you are contemplating buying another! Would you not be better off looking at a reliable and reputable brand?