Your Rights When Buying On Credit
When you purchase goods using either a credit card or with a credit agreement that the trader has arranged with a separate finance company and the total cost of the transaction is in excess of £100, you will have an equal claim against the finance company. This applies even though you may only have paid the deposit by credit. These rights provided by Section 75 of the Consumer Credit Act 1974.
Beware - if you do not keep up payments, you will be in breach of contract and may be sued for the outstanding balance. Also if you are buying a car on hire purchase, it is likely that the finance company (the owners) will repossess the vehicle. You could also be liable to pay any expenses that the finance company incurs in carrying out any necessary repairs to the vehicle.
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