Template letter No.9 - Use this letter of complaint to the finance company if you have bought goods using Hire purchase methods.
Use the following letter template to write to the finance company.
Where goods are bought under a Hire Purchase agreement, the contract is governed by the Supply of Goods (Implied Terms) Act 1973. Your rights are against the credit provider rather than the trader who supplied the goods. The Act states that all goods supplied by a trader to a consumer must be of a satisfactory quality, fit for purpose made known and as described. If they are not, you may have rights to claim ‘damages’ from the finance company i.e. the cost of having the faults repaired, or for the finance company to arrange repairs and cover the cost, a trader may wish obtain a written opinion from an independent expert to establish whether an item is indeed faulty or not, to ensure that the apropriate offer of redress is made to the consumer - it shall however, not be legally binding unless both parties agree to it.
This template is to be used for guidance and may not suit your specific situation. If you require more detailed advice & guidance, please call Consumer Direct on 08454 040506
