FabSwingers.com forum: Car finance.

By (user no longer on site) OP
over a year ago

So I don't know if anyone can provide us some advice. We have a car which is on hp. Had it a year. Always kept it serviced properly and always used best quality oil. Now 1 week ago the engine timing chain failed which has resulted in a quote of approx 1500 to repair. Car has only done 78000 miles and we have discovered the engine has inherent fault with this happening. It's over 6 years old so sale of goods act does not apply. So if you were in this situation would you approach the finance company to assist with repairs.

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By (user no longer on site)
over a year ago

I have no idea of the ins and lots of HP but surely there is no harm in asking the company. I suppose it very much depends on the terms of the contract you signed in the first place as to damage and wear and tear terms. But they can only way no?

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By *ire_bladeMan
over a year ago

Manchester

1.6 hdi by any chance

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By (user no longer on site) OP
over a year ago

No. It's a 150 thp. It's a bmw engine.

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By (user no longer on site)
over a year ago

"So I don't know if anyone can provide us some advice. We have a car which is on hp. Had it a year. Always kept it serviced properly and always used best quality oil. Now 1 week ago the engine timing chain failed which has resulted in a quote of approx 1500 to repair. Car has only done 78000 miles and we have discovered the engine has inherent fault with this happening. It's over 6 years old so sale of goods act does not apply. So if you were in this situation would you approach the finance company to assist with repairs."

Offering finance is no guarantee of merchantable quality, they simply lent you money to effect your purchase, unless the vehicle has an extended warranty, which is unlikely to cover wear and tear, you have no recourse.

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By *olgateMan
over a year ago

on the road to nowhere in particular

Chain or belt OP?

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By (user no longer on site)
over a year ago

"Chain or belt OP?"

Chain i reckon.

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By (user no longer on site) OP
over a year ago

Chain. Has the bmw vanos system.

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By *trawberry-popWoman
over a year ago

South East Midlands NOT

No. They do not have any responsibility for your car. They have just lent you money to buy it with.

Cars cost money and things go wrong just like with any machine.

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By *iscean MaleMan
over a year ago

Darlaston

Hp company has no responsibility to assist with repairs am sorry to say...

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By *olgateMan
over a year ago

on the road to nowhere in particular

Belts should be changed regularly and never be allowed to go past the service intervals.

Chains normally give plenty of warning when they are failing by making lots of noise. Unless a tensioner snaps and fails you quite often have plenty of notice

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By (user no longer on site) OP
over a year ago

We had the car serviced approx 6000 miles ago by a Peugeot independent who came very highly recommended. I asked him to check the chain at the time and he found no issues with it at the service. He even mentioned the tensioner that causes the problem can just fail without warning or without syptoms.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

According to the CAB site, if you arranged the finance with the car dealer, "you might have extra protection if there’s a problem later, because you can take action against the finance company as well as the trader (or instead of the trader)"

If you arranged the finance yourself you are on your own

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By (user no longer on site) OP
over a year ago

Arranged it via the dealer. Thanks I will look in to it.

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By *olgateMan
over a year ago

on the road to nowhere in particular

"We had the car serviced approx 6000 miles ago by a Peugeot independent who came very highly recommended. I asked him to check the chain at the time and he found no issues with it at the service. He even mentioned the tensioner that causes the problem can just fail without warning or without syptoms."

probably what happened

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By *eMontresMan
over a year ago

Halesowen

BMW fucked up big time with the N47 engine installed in their cars between 2007 and 2009.

I've always gone for timing chain engines, but this is one to avoid.

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By (user no longer on site)
over a year ago

"I'm so shocked your Peugeot has broken down"

Said no one ever

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By (user no longer on site)
over a year ago

Last pug I had was totally fucked before 60,000 miles - 207 S16 only made 250 of them so you'd of thought they would get it right.

Think I only had it 5 or 6 months

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By (user no longer on site)
over a year ago

May be a boring car, but, at 250,000 miles, no problems and never using a drop of oil I know I made a good decision getting a Volvo diesel Estate.

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By (user no longer on site)
over a year ago

Hi. I would go to babybmw forum and see what they say. Very knowledgeable people on there and give excellent advice.

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By *ilthy gentleman 4425Man
over a year ago

PONTEFRACT

if the car is on hp it is the finance company's car until the last payment is made.... yes it is your car and you are as much responsible so i would defo speak to the finance company and see what they say as they have as much interest in the vehicle as you.... did you buy the car from a main dealer? get in touch with the trading standards see what they say?

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By (user no longer on site)
over a year ago

"Car has only done 78000 miles"

Isn't that quite a lot of miles for the timing belt/chain to have worked before it broke? I always thought timing belts should be changed before hitting 60k, may be different for chains?

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By *eMontresMan
over a year ago

Halesowen

"Car has only done 78000 miles

Isn't that quite a lot of miles for the timing belt/chain to have worked before it broke? I always thought timing belts should be changed before hitting 60k, may be different for chains?"

Timing chains usually last the life of the engine - I've had a number of cars with chains do over 200k miles with no problems. Usually, they start to rattle if they're old and need changing, but even then they go on forever.

All cars used to be chains, then in the 80s they switched to belts, which fail catastrophically without warning.

Mercedes never used belts and BMW went back to chains fairly quickly after all the problems, but they fucked up with this engine.

In the meantime, the service interval on belts has been pushed out to 100k with better materials, but they still fail without warning, catastrophically, even within the service interval.

I know personally 5 situations where belt failures have wrecked the engines, but not one single chain failure (we don't know the OP personally)

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