Non-Starting Cupra - Whats Wrong Now? (Inc Video)

[Al_G]

In all honesty I think it was fair for seat to refuse to work on the car (warrantee work) but its a little odd that they want the car back!!! They could have just asked the OP to pay for the repair and voided any future warrantee work.

Its not like Seat have financially lost out due to the car being modified…Very strange!

Why go to all that effort?

 

[robdf2]

any more updates m8?
you decided what you going to do?

 

[Rampage]

I think it's unfair that they only offered you £11,600 for it.
Can't you take it to other dealers to see what they will offer you?
Otherwise they could shaft everyone who has it on hire-purchase and changes something.
I'm sure they would have to prove the amount they offer you is a reasonable price if they are forcing you to give them the car back.

 

[gIzzE]

Joined up after reading this thread, there was a link posted on tyresmoke.net.

Really sorry to hear the problems you have had, but you have to see it from Seats side too, although they should have said "We will find the fault and if it has been caused by mods you will be charged, if it is a genuine manufacturing fault we will cover the costs."
This would have been fair and would have kept a customer on side, they way they have gone about it really hasn't done them any favours.

I would like to know what relay went down and what mods you have done, you may have rectified the fault but the cause might not have been sorted yet.


Now, the reason I wanted to post was I think you are mad to sell the car.
You say you owe £15k, and this is what they have said you need to pay to keep the car?
You also say they are giving you trade price back which is £11600??

Well you could refinance the £15k over 60 months with no balloon, even at 8% apr that would only be £302 a month.

Why pay them £3500 to get out of the car now?? You may as well pay that and have the car for another 12 months. At the moment cars are loosing around 45% in year one, however, by year 3 they are still worth around 40% of the list price, so you have now just seen the big hit, to jump ship is financial suicide.
Even if you see another 12 months out, paying what you were going to pay to get out of the car (and at least you still own it) you will probably find what you owe is pretty close to what it is worth at the point, selling in a private sale.


I know you are annoyed with Seat and with the car, but stop and think about this for a moment, you obviously liked the car up until the day this started, so cut all ties with the finance company and Seat and enjoy it again.

£3500 to get out, or £3500 to drive it round for another year?? It's a no brainer really mate.


If you need a contact who can sort new finance for you and settle the old finance with no fuss drop me a PM and I will give you someones details.


All the best.

Guy

 

[m0rk]

that's the most sensible advice yet...

there must be another reason why he's not doing that... because people that can chuck 10k down the lavvy in a year don't finance their cars.

 

[Al]

The only snag is that SEAT have stipulated that they are taking the car back and have terminated the contract. RCS has no option on this.

 

[phil3012]

Remember though finance is not that easy to come by at the moment, companies can pick and choose who they lend money to. I have a perfect credit record and at one point I was getting unfavourable deals on loans due to a mistake in the electoral role beyond my control, I can only imagine it is worse now.

Not saying anything against the original poster, but a PCP is an easy way of getting finance on a car most people who can get a bank loan or traditional finance for a car will do.

I have known many people with good jobs get refused bank loans for these sort of amounts in the past. Car finance is easy to get as it is secured on the car, a bank loan is more difficult as the £15K or whatever as it is unsecured and there are no assetts that can be repossesed if you default on the loan.

By the way I would not recommend a 60 month loan for a car. Been there seen it done it, still got the loan which I used to buy the car before last. 60 months is too long. Also you need to remember the longer the loan the less equity in the car when you come to sell it after a few years.

 

[gIzzE]

Hold on though, it was a hire purchase with a balloon, the fact they said it would cost £15k to settle and to walk away from the car proved this.

If it was a contract hire that would be different, however, if it were a contract hire breaking the agreement would mean the car would be taken away and the remaining months payments would be taken.
The fact there is a settlement figure and a trade purchase involved means this is a purchase agreement, and they have no right to take the car away if he settles the amount outstanding.

 

[gIzzE]

By the way I would not recommend a 60 month loan for a car. Been there seen it done it, still got the loan which I used to buy the car before last. 60 months is too long. Also you need to remember the longer the loan the less equity in the car when you come to sell it after a few years.

60 months on a new car is only the same as 36 months with a 45% balloon, which is what 99% of finance agreements are set up as.

Plus, we are talking about a car that is a year old and has already lost 30% in this case (he is buying it for £15k remember).

So after 3 years you would owe £6500, that car should easily be worth £6500 in 3 years time, if you wanted to settle and get out.

Or do it over 48 months and pay £360 a month (at 8% apr).


I just think paying £1000 a month for that car over the last 12 months is stupid.

Unless you think there is something seriously wrong with it and want out of course??

 

[liverpoolsteve]

The only snag is that SEAT have stipulated that they are taking the car back and have terminated the contract. RCS has no option on this.

Sorry to come in late on this thread - Speaking as a dealer, IMHO I don't think the way this as been handled by SEAT UK shows the brand / dealers in the best light.

I can't understand why you can't put the car back into its original specification and still have to hand the car back / pay up outstanding balance. I understand that you might still have voided the warranty on the engine / ecu - but that's gotta be better than forking out £3500 and having noything to show for it.

RCS - one thing I don't understand is you originally stated that SEAT UK were going to sell the car on a Sale or return basis - then you mention a buy back offer of £11500. To me, SOR means you get back the selling price of the vehicle, less any costs incurred in selling the vehicle. If you're still going down this route, make sure you're not short-changed any more than you absolutely have to be.

Above all - GOOD LUCK! - and I hope you can resolve this.

Steve

 

[Cupramax]

Just read this from start to finish, my god this really does come over pretty heavy handedly for SEAT. It does however highlight the issues with modding something that isn't legally yours!! I wonder how many other posters have heavily modded cars that they dont legally own?

Just out of interest was the financial agreement for the car with Volkswagen financial services by any chance? I had MEGA problems with them when I bought my first Leon. They got debt collectors on me for non payment despite the fact that one of their clerks had entered my bank account details incorrectly on their system. It took over twenty phone calls and the involvement of a solicitor before it got sorted.

I can only offer my condolonces and hope you can sort something ammicably with them...

 

[Igor23]

Just read this from start to finish, my god this really does come over pretty heavy handedly for SEAT. It does however highlight the issues with modding something that isn't legally yours!! I wonder how many other posters have heavily modded cars that they dont legally own?

No worries here, all bought and paid for from day 1, that's why I modded it, no worries about the repo man, get it serviced at a reputable VAG specialist, got put off by the stealers approach to any kind of warranty work with the wet windows issue, took 3 months of arguing and phone calls before they finally relented, I think that SEAT have acted very poorly in terms of customer care in this case, and feel sad that it's put another fellow modder off owning what is a terrific car in terms of performance/price...

 

[Glovepup]

wow what a read, spent about 30mins not doing any work.

Just shows you the risks that each modder takes with their car, but your you its that little bit harder cos you did not buy the car out right.

I wish you all the luck with this and please keep us upto date.

This just highlights that main land europe appear to get the better deals with regards to the options available to mod, I remember something being said about the tough saftey standards of the uk a reason for us not getting the extra's. Whether that is true or not I do not know.

I am with you all the way on this buddy, but i just feel that the t&c's will be your downfall. Also I think gIzzE may have something there, may be worth looking at. Afterall, its still a great car!

 

[RCS2K4]

Woah, it's taken some 20 minutes of reading the messages to see where this thread is at, but here goes an update...

Who mentioned some pages back about a personal loan for the full balance owed? Well, I have done just that... Spoke to a chap at Nationwide who I bank with, and it was a done deal. I took just over £12K (I had some savings) over 25 months. The monthly re-payments are a lot higher than on the PCP, but the car is leagally 100% mine - Hands of VW financial services

This also means the last payment on the personal loan is within a few week of when the last payment due on the PCP would have been, and the car will be 3 years old by then. The satisfaction I will have forwarding the cheque onto VW once Nationwide clear the loan funds will be off the scale...

I just have to tell the guys at VagTech tomorrow morning that the stuff they took off, it's going back on again (Well, almost all of it). The fuel pump is staying off, and the car will remain at Vagtech for a little while longer while the cars Autotech fuel pump and the cars stock cam follower are looked into, as another fault was highlighted there when they were taken off after the car was run on pretty agressive boost, timing and fuel...

To round things off, my car gets a new buddy - In the shape of a new Mondeo to keep her company in the garage (2008/58 Mondy Titanium X 2.2 TDCI - I pick her up Thursday). The Leon is now being degraded to the weekend run-about and the track day bitch. No longer my daily drive as I can't be doing with this hassle all over again should it break down again...

I'm also, now, officially credit crunched - any one fancy a quick whip round?

 

[Al]

Nice one mate. Whats the problem with the fuel pump?

 

[Poverty]

yay its staying. keep us updated on the fuel pump an cam wear issues!

 

[Mat138L]

well done fella i am glad you got it sorted out

 

[Glovepup]

Good choice mate!

 

[ZBOYD]

If its running with aggressive boost and fuel timing that's probably half the issue with the fuel pump. I'd wait until REVO have actual dialed in their pump software to suit uprated pumps before pushing the envelope. If they are more conservative with the Select settings the pump will still give a good increase in power, then more so once they have tuned the software to suit.

Half the trouble is everyone gets a SPS or Select box in their hand and instantly thinks its ok to turn the settings upto 11. (That's an Spinal Tap analogy by the way).

Though no doubt costly, I think you have made the right decision.

 

[H8T WP]

good on u mate ! nice one !

So do the re payments work out cheaper through your personal loan? or from vw finance?