Car buyers urged to do their research over the festive season

The Motor Ombudsman advises consumers on where, how and what car to buy, and to check that it’s affordable

Car buyers urged to do their research over the festive season

The Motor Ombudsman, the automotive dispute resolution provider, is providing consumers with essential tips to help steer them in the right direction when it comes to buying a new car.

A spokesperson at The Motor Ombudsman said: “Choosing a retailer that is accredited to a recognised Chartered Trading Standards Institute (CTSI)-approved Motor Industry Code of Practice for vehicle sales means that the business has committed to higher standards of service and workmanship beyond those required by law.

“Should you have an issue during a purchase and beyond, you will be able to go through the process of Alternative Dispute Resolution (ADR) rather than having to pursue more costly and time-consuming legal action.

“You may get a cheaper deal when buying a car from an individual rather than a business, but it’s worth bearing in mind that your rights against a private seller are much more limited than if you had bought the vehicle from an independent garage or dealer.

“Additionally, private purchases fall outside of the remit of The Motor Ombudsman or any other ADR provider, meaning you would have to take legal action if something goes wrong.”

For anything that’s agreed with a business in relation to a vehicle purchase, it should be written down in a formal document, letter or e-mail.

The Motor Ombudsman said this will ensure consumers have proof of everything that was discussed.

When it comes to financing, buyers are urged to ensure to read the agreement in full before signing on the dotted line to understand whether the deposit, the monthly instalments and the interest rate that you will be paying meet your budget, plus any obligations, like staying within an agreed mileage limit.

At the end of the agreement, consumers may have a few options such as giving the car back to the finance company, paying a final payment so you become the owner, or using it in part-exchange.

With other agreements, such as personal contract hire, consumers may not have the option of purchasing the vehicle at the end.

Bill Fennell, Chief Ombudsman and managing director of The Motor Ombudsman, said: “It’s easy to get caught up in the festive spirit and to act on impulse if you find what looks like a good deal.

“However, when it comes to buying a car, which is known to be a significant purchase, it’s important, regardless of the time of year, that motorists take the opportunity to do the necessary due diligence.

“It will ultimately give them the peace of mind that they have ticked the crucial boxes and that their money has been well spent.”

For further information about the Motor Ombudsman, select ‘more details’ below.

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