Can my sister get her deposit back? Car returned

[dwight666]

Sister took out a hire purchase with a dodgy company because her credit is poor. No money is actually borrowed from a regulated finance company. It's a in house thing they do where you pay them weekly once paid of it's yours.

She paid £784 in total £300 deposit 18 weekly payments of £26
Cars broken down there refusing to fix so she has returned the car and lost all her money.

She's written a letter to them with advice from citizen advice requesting her £300 deposit back.
If they refuse she will open a small claims

Does it sound like she has a good chance of getting her money back?

[dwight666]

Yep citizen advice said it's illegal what they are doing, they've tried fobbing her of saying that she was just hiring the car.
If that was the case she wouldn't of paid a deposit.
Will deffo contact FSA
thanks

[dwight666]

What part of the contract? I can get her to send me it.
Yep we've got everything noted
she's left a bad review on the Facebook page which she's worried could go against her if they have to go to court.

[dwight666]

No she didn't get a V5 they keep that until paid of.

[dwight666]

[dwight666]

March this year

[dwight666]

Will get her to send me over the rest
The car was £1700 in total so she paid down a £300 deposit and has kept up with her weekly payments. She didn't have to pay the deposit it was her choice so that she could bring her weekly payments down.
They provided 12 months warranty from RAC
Which didn't cover the power steering.

[dwight666]

She did want the car but didn't want to spend £500 fixing it when she only got it in march the warranty they offer is very basic only covers minor things

[dwight666]

It doesn't make sense to me at all surely if she's hiring the vehicle they are responsible for fixing it. I've sent copies to FCA so we will see what they think to this. The car is old an 02 plate

I think this is just how they make there money I'm guessing the car will fixed and passed on to somebody else

[dwight666]

The car has been returned, RAC recovered the car and brought it to a garage.
Mechanic called up RAC and they've said it's not covered so my sister has been in touch with the company she got the car from.
They have said because your hiring the car it's up to you to fix it. She's then told them to collect the car themselves as she's not paying out for it.

The way they've sold it to her when she was getting it was that she's borrowing the money from them and she's just paying it back. But obviously there is actually no finance regulated company involved.

When we spoke to RAC they said the warranty they offer is the basic only covers small things such a tyres horns ect

[dwight666]

Right! It doesn't make sense one bit

She insures it tax's and mot's but on the V5 they are the registered keeper.

We will see what FCA have to say anyway doesn't sound legit to me at all.

[dwight666]

she's sorted a new car now anyway but obviously she's peeved of and lost hundreds.
I just wanted people's opinion on whether she has a good case or not if it has to go to court.
Which sounds like we do

[dwight666]

Nope not the case here I'm afraid she's just gone back to work of maternity leave her ex took loans and catalogues out in her name once they split. 3k in total only paying back a small amount a month.

Not everyone who has bad credit is on benefits