Can I reject a vehicle bought on finance (PCP or HP)?
Yes, but the legal process is different. If your vehicle is financed via Personal Contract Purchase (PCP) or Hire Purchase (HP), the finance company is actually the legal owner of the vehicle, not you. Therefore, your claim for rejection and a refund must be directed against the finance company under the Consumer Credit Act 1974, holding them jointly liable for the dealership’s breach of contract
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