I sold a 20,000 mile Picanto Auto on May 6th 2019 for £4999. The lady in question turns up unannounced and the Picanto is right in the corner of the pitch, after speaking to her for a bit about the car she informs me that she needs finance but she only has her state pension to live off. As we all know the latest FCA buzzword is 'affordability' and I was thinking that I would probably struggle to get her financed, so I explained that I wasn't going to spend an hour moving all my cars then another hour moving them all back again when she hasn't got the money to buy my car. Or words to that effect, obviously I'm more delicate with a customer than explaining to you guys! Plus it was a sunday so I wouldn't have got a reply on the finance until the next day.
I explained that she could drive the car before I signed her up to anything, but I wanted to get her through first on finance before I start rearranging my pitch. So off she went and I propped her to my sub prime company, and surprise they turned her down on affordability because her outgoings were already too high for her income. I let her know this, and the she calls me back to say she's arranged her own finance through another company. So I did the deal with her and she test drove the car when she came back.
About 6 weeks later she calls to say that there is a squealing noise, so I'm guessing the auxiliary belts have gone a bit dry where I've steam cleaned the engine. I asked her to pop it back so I could have a look, then I get the usual I can't leave it with you as I need a car and the world will end if I don't have a car but I still want you to fix it for me. So she brings it in for me to have a look at and can't demonstrate this squeal to me, so I gave the belts a squirt and said see if that cures it if not then let me know and I'll look at changing the belts.
I didn't hear from her for another 6-8 weeks just at the end of her 3 month warranty when she decided to tell me that the squeal was still happening, so I said bring the car back and thought I'll just stick a couple of belts on it to keep her happy. Then we go through the end of the world scenario again about how she can't bear to be parted from this car whilst I repair it for her free of charge, and how she will have to wait around in the town whilst we do it. There was no squeal when she first brought the car in and I didn't hear it the second time either and neither did my workshop, but I fitted the belts anyway.
Then the week before last she rings me again having had the car for 5 months now and says she's not very happy, she's bought a new car (bullshit) and she wanted to get rid of the Picanto. She's been to WBAC and they've only offered her £2600 for the car which she paid £4999 for 5 months ago, she wasn't very happy about that but the reason she was ringing was because she hadn't had her V5 come back yet from the DVLA so she couldn't sell it to WBAC.
I explained that I do the registration documents online and sometimes the customer doesn't receive their document, which is why I give them the Green slip and say it can be up to six weeks before you get the V5 but if you hadn't had it by then to let me know as I keep the old V5's for a couple of months in case this happens then I destroy them. So because she'd left it 5 months there was nothing I could do and explained that she'd need to send the green slip with a V62.
I offered to buy the car back from her when she got the V5 back and said I'd give her a lot more than WBAC were offering as I could sell that car all day long.
She called me again on friday with a completely different tone this time saying that she'd spoken to the finance company, wasn't happy that she was losing over £2400 in 5 months, it was also still my fault she wasn't going to have her V5 back until 4 weeks from the DVLA, I wouldn't let her drive the car until she'd paid for it, and that I'd held a gun to her head to forced her to buy it (her exact words!), and that she was going to reject this car under the CRA because of this squeal, and she wanted a full refund of the £4999 otherwise she will leave me bad reviews online, complain to the finance company and take me to court. I think she also blamed me for Brexit, Global warming, the troubles in the Middle East and the deforestation of the Brazilian rain forests during this conversation.
I explained that I'm not going to be blackmailed in to giving her a full refund for a car she'd had 5 months, within an hour she'd left me a bad review on Google and then copied and pasted the same review onto car dealer reviews.
Basically I don't think she can afford the car, so she's gone to WBAC who have kicked her in the nether regions, then realised that she's not going to get back what she paid for the car to pay off the finance, and is trying whatever she can to get out of the whole thing and I'm taking the brunt of it when I've done nothing wrong.
Then today I get an email from the finance company asking me to contact the customer regarding a problem with her car, and how they like their dealers to be able to work together with them to be able to resolve customers problems. Piss taking bastards. My first question to them in my reply will be exactly how much commission did you give me for this deal (sweet FA)? The second will be if the FCA know they are financing cars to people who can't afford them and have already been turned down because of this. They don't want to share the money they are making on this deal but they want me to dig them out of a hole!
It's just another day in paradise.