More and more frequently, cars are being brought on
finance with Personal Contract Purchase (PCP) or Hire-Purchase
Agreements. This creates complexity regarding who is responsible
when things go wrong.
In this article, we summarise a recent decision that was seen as
a victory for consumers and remind you of your rights when your
vehicle is not of satisfactory quality.
Black Horse Limited v Andrew Curtis: A Victory for Consumer
Rights
Last year, a practising solicitor, Mr Andrew Curtis,
successfully appealed against a finance company regarding a refund
on his hire-purchase of a defective Range Rover.
What is the background to the case?
The background to the case was that Mr Curtis (consumer)
purchased a vehicle from Black Horse Limited (finance company). The
consumer drove the vehicle, and it was not of satisfactory quality.
The finance company admitted that the vehicle was defective and
accepted that the consumer had a right to reject it.
