I bought a Polo on the Volkswagen Options scheme (which means that every 30,000 miles or three years, whichever comes first, I can put down a deposit of say £1000 and get a brand new car, and continue paying the £340 a month that I do pay). So I do not think it is hire purchase as such; just finance in some form.

I have had so many problems, all under 5000 miles. DSG gearbox problems that Volkswagen refuse to acknowledge, as well as window regulators going at 2000 miles when I hardly used the windows. They said they would repair it but I want the car replaced, and I don't want to lay down a fresh deposit either.

So far I have had to go eight times in the span of four months to Volkswagen. It works out as a problem every two and a half weeks. There is always something new. I have had to prove the faults every time. I read somewhere that in the first six months there is a reverse burden of proof? What would you say the chances are of a replacement without adding costs like a deposit?

I spoke to the managers at this franchise and they were unhelpful: "It sounds like you have made your mind up, so you can hand the car in and walk away." What would you do?