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Faulty Used Car from a Dealer
A used car from a dealer must be of satisfactory quality, fit for purpose and as described. Within 30 days you can usually reject a faulty car for a refund. After that you can ask for a free repair or replacement, and the dealer normally gets one attempt. In the first 6 months a fault is presumed to have been there at delivery unless the dealer proves otherwise. Your rights are against the dealer, not the manufacturer.
At a Glance
Your Rights
What the rules say, with a link to the official source for each.
Buying from a Dealer
Quality and Description
Dealer sales: goods must be of satisfactory quality, fit for purpose and as described (Consumer Rights Act 2015). If a car fails these tests you have a short-term right to reject and get a full refund within 30 days, counted from when ownership, delivery and any installation are complete (s.22). source
After 30 days
After the 30 days you can ask for a free repair or replacement; the trader normally gets one attempt, after which you can claim a price reduction or the final right to reject (s.19). source
First 6 Months
For the first 6 months a fault is presumed to have been there at delivery unless the dealer proves otherwise; after 6 months you must show the fault was already present (s.19(15)). source
Deductions for Use
For motor vehicles the dealer may reduce a final-right-to-reject refund by a deduction for your use, including in the first 6 months, which is the exception to the general no-deduction rule in s.24. source
Buying Online or by Phone
If you buy a car at a distance (online or by phone) from a dealer you generally have a 14-day cancellation right under the Consumer Contracts Regulations 2013, starting the day after you receive the goods; you have a further 14 days to return it. There is no automatic right in a showroom purchase. source
Paying by Card or Finance
Section 75
Section 75 Consumer Credit Act: if you pay by credit card (or buy now, pay later) for an item costing over 100 pounds and up to 30,000 pounds you can claim from the card provider for breach of contract or misrepresentation even if only part was paid by card; chargeback may help with debit cards. Escalate to the Financial Ombudsman Service if refused. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 30 daysShort-term right to reject a faulty car bought from a dealer30 days beginning the day after ownership, delivery and any installation are complete
- 6 monthsFaults presumed present at deliveryFirst 6 months from delivery
- 14 daysCancelling an online or phone purchase from a dealer14 days to notify from the day after delivery, then 14 days to return the goods
- 8 weeksComplain to a dealer before using The Motor OmbudsmanAllow the dealer 8 weeks to respond unless it has issued a final response earlier
- 6 yearsLegal action for goods problems in England and WalesGenerally up to 6 years after you paid (Citizens Advice; 5 years in Scotland)
Steps to Take
Step 1 of 5
Keep the advert, invoice, service history and every message, and write down the fault and when it started.
Step 2 of 5
Tell the dealer in writing straight away. Within 30 days, say you are rejecting the car. After 30 days, ask for a free repair. Our free letter templates can write it for you.
Step 3 of 5
If the repair fails or the fault comes back, ask in writing for a refund (a deduction for use may apply) or a price reduction.
Step 4 of 5
If the dealer is accredited to The Motor Ombudsman and it has not put things right after 8 weeks, take it there.
Step 5 of 5
If you paid by credit card, ask about Section 75. If you bought on finance, complain to the lender and then the Financial Ombudsman Service.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
The Motor Ombudsman
Dealer is accredited to one of its codes (for example Vehicle Sales Code) and you have given it 8 weeks or received a final response. It does not deal with car finance claims.
Card Provider (Section 75 / Chargeback)
You paid at least part by credit card for a car priced over 100 pounds and up to 30,000 pounds, or by debit card for chargeback.
Financial Ombudsman Service
Your lender or card provider has rejected a complaint or not replied within the required time.
Citizens Advice Consumer Service
Free advice and referral to Trading Standards.
County Court Small Claims
After trying to settle and ADR; small claims usually cover claims up to 10,000 pounds.
Good to Know
Small things that make your complaint stronger.
Do not let a dealer tell you the problem is only a matter for the manufacturer. Your contract is with whoever sold you the car.
Private sales are different: the Consumer Rights Act does not apply. See our full guide.
Want Help?
If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.

Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 12 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- legislation.gov.uk/ukpga/2015/15/section/22 Checked 12 October 2026
- businesscompanion.info/focus/car-traders-and-consumer-law/part-2-consumer-rights-act Checked 12 October 2026
- legislation.gov.uk/ukpga/2015/15/section/19 Checked 12 October 2026
- legislation.gov.uk/ukpga/2015/15/section/24 Checked 12 October 2026
- citizensadvice.org.uk/consumer/changed-your-mind/changing-your-mind-about-something-youve-bought Checked 12 October 2026
- citizensadvice.org.uk/consumer/somethings-gone-wrong-with-a-purchase/getting-your-money-back-if-you-paid-by-card-or-paypal Checked 12 October 2026
- themotorombudsman.org/consumers/make-a-complaint Checked 12 October 2026
- financial-ombudsman.org.uk Checked 8 October 2026
- citizensadvice.org.uk/consumer/buying-or-repairing-a-car/the-car-you-bought-is-still-on-hire-purchase Checked 12 October 2026
- citizensadvice.org.uk/law-and-courts/legal-system/small-claims/deciding-whether-to-make-a-small-claim Checked 12 October 2026