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A well-known finance house who shall remain nameless for now (you know who you are), has dreamt up a novel wheeze to ensure that all the nasty bits of Section 75 of the Consumer Credit Act (CCA) and more besides will be neatly and unceremoniously dumped on any poor unsuspecting dealer whenever the finance house (and they will) decides to capitulate to even the most spurious of consumer gripes. This week we have been asked to cast our expert legal eyes over some new finance terms and conditions, which have sneaked into the market. It is clear that the terms intend to ensure that the finance house will be fully indemnified by the dealer for any consumer complaint no matter how trivial or unmeritorious, which goes above and beyond all the nasty bits of the Consumer Rights Act (CRA). We have recommended that our client should not sign the new agreement under any circumstances since it is onerous and patently designed to avoid any Financial Ombudsman Service (FOS) referrals or any defence from us. Great for the finance house, rubbish for the dealer! Perhaps not so great for the finance house in question and any others that follow their lead, if dealers vote with their feet and take their business elsewhere. We heartily recommend dealers do just that. Dealers are urged to read the small print always and if in any doubt contact us.

James I think I can help you with this, I'll give you a call on Monday with my idea. Or feel free to give me a call over the weekend I'll pm you my number

I was thinking we'd want it only accessible to genuine dealers so VAT number would be important. I like the idea of certain levels of users too but surely you'd want as many dealers to see the posts as possible?

Thanks for this advice - I think naming and shaming for now probably isn't wise, but like you said, dealers should read the small print and where they're not sure contact you. As Car Dealer Club members (just £39.99 here) they can get access to your brilliant advice and other benefits. Well worth signing up to.

Nice story Umesh - like others have said on here before, going above and beyond in times of crisis does far more for your brand reputation than you could ever imagine.

James, When I 1st started , I gave every car a full 12 months warranty,sadly got let down by them not paying for genuine claims , I prep my cars to a very high standard so there were not many claims anyway - the final straw was an engine on an MG F ( Yes we know they are an issue !!) , They made so many excuses so I kicked them out , .Long story short ,After some research and asking customers what they valued - A car with 12 Months warranty being £200/300 more- than a car with shorter warranty and less money - MAJORITY Said price , so about 10 years ago I stopped using anyone , gave 3 months/3000 mile warranty and in that time I don't think I've paid £1500- in total ! A massive saving and little issues I just pay and keep customers happy. Dealers say what about when you sell out of area , No problem, If customer has an issue don't make excuses , make it easy for them ( Put yourself in their shoes !) I tell them to use their normal garage or even main dealer , get a quote let me know and I've the settled the customer or paid the dealer direct ! The secret is buy proper cars - sell proper cars and its less hassle and more cost effective , but nature of this job we all get caught out the odd times ! Here's a review from 12 months ago from a distant away who has an issue !

Since publishing this news we have been flooded with agreements to check AND yes we can tell you the name of this particular finance firm however the point of the news is to advise car dealers to read what they are signing. We have found more examples of these nasty clauses, different finance houses, all slightly different so it would therefore be better if we could find the finance firms WITHOUT these clauses rather than just shaming those who have. I have sent you a PM

Time to stock up on some Suzuki Wagon R

By changing it back the purchaser should have no insurance issues . Far wider market for standard cars. Sell the modified bits on fleebay.

Anything like that for me modified seems to sit for ages and not shift. I try to put back to standard or shift cheap as chips where I can.

It's a shame the future cannot be predicted! But as already stated its a numbers game the more you sell the bigger the chance of something big happening like this. However you have acted like a true gentleman and professional , the customer will be glad now he picked your car over the one that was getting sold 'roadside ' By doing the honourable thing you will be repaid many times over, that's how life works. Well done!

After a year of deliberating I've just taken the decision to cover my own warranties after having quite a legitimate claim turned down on a Citroen C4 diesel. The turbo went and as requested by Warrantywise the customer took the car to Evans Halshall who didn't lift a spanner but quoted £1700+vat to fit a new turbo. This was rejected and I collected the car, put in a claim for £600 and this was rejected. Main reasons were Evans Halshall had said the turbo had come to the end of its natural life (?), 2009, 55k miles car, the service history was patchy (logged warranty purchase with part history) it's full history but 1st 3 years are Citroen, then next 2 are Indy's then 2 self serviced with all Euro car part invoices then service we carried out when sold and the turbo was oil contaminated and how they know this with it still attached to the car it anybodies guess. I argued the case, but itvwas a pointless task but I can't help thinking if it came to me 1st and not the main dealer who've tried to rinse the warranty for every penny it would have been authorised.

Been doing our own warranties for 10+ yrs now, happy to have their profit aswell as our profit on the car + no arguments on fixing! if you sell low mileage proper cars, repairs are usually minimal!

I've not used a warranty company for a fair few years now but it was always a case of how you 'word' the claim to them, a leaking water pump would become a water pump with a collapsed bearing etc etc. If an engineer was ever sent out you know the claim would be hard work and mean a car stuck on the ramp for 3 days only for it to be rejected under wear and tear. One lady on the claims line seemed to be an expert on rejecting claims, I'm sure they got commission or bonus for it. I raised it with the rep about her and his answer was to put the phone down once you heard her voice and call back a few minutes later and hope someone else answers!! All in all the whole process was worth the hassle, it was just painful and not worth the free price hangers and floor mats.

The mind boggles with these warranty companies. Had a customer who purchased a Skoda Octavia from us roughly 7-8 weeks ago. The dash suddenly stopped working which was causing a problem starting the vehicle. Intermittent problems were happening with the wipers all round on the car and airbag warning lights were coming on and off. Anyway we send the dash out to a company who repaired it and had it back quickly, airbag light cleared and was just due to faulty connection and his front wipers were working fine. Rear wiper motor was clearly faulty and the customer had mentioned a bit of a noise in the front of the car. A wheel bearing was playing up. Dash was not covered under warranty so we meet the cost on that no quibbles. We send the claim in to warrantywise who decide to accept the claim for the rear wiper and the wheel bearing but as the claim has happened at the same time they have averaged the cost of parts and labour. I argued this point that these 2 parts are in no way connected but very much a case of computer says no. Although I should consider myself lucky because most claims we have sent recently have been approved. Yes, that really is pretty much why I have been spending 10k a quarter with you so you do cover the components listed if they do fail on used cars. Try arguing the toss but pretty much getting no where. The main thing is if I had said to customer I can fix your dash at my own cost, I can fix your wiper on warranty and if you come back in a week I can fix your wheel bearing then Warrantywise would approve it. Because the 2 unconnected parts have gone at same time they won't it is in the terms and conditions supposedly. Glad I have switched to having my own warranty fund and having policies administered elsewhere.

I remember years ago in my early days (when I was wet behind the ear but still paying VAT) trying to make a claim for a Renault Safrane (insert your own punchline) head gasket and part of the claim was a skim. They refused to pay out at all because I mentioned skim and that was wear and tear, if I had not have mentioned skim they reckon they would have paid out. Up until recently, I never used a warranty company ever again.