Hmmm....Did you really think the garage would reimburse you? Guess they knew the condenser was shot.
Also, did you take anyone with you, with knowledge, to view the car, check service history, past MOTs etc, and the reputation locally of the garage, ie: undertake due diligence as this clearly isn't a main dealer but a used sales lot.
Sadly I fear you are only just beginning a big battle with this company who have no care for customer service, and so you'll have to get tough and start the process to reject the car. The timing chain is an added complication possible caused by insufficient oil changes as the petrol engine Mini's are well known for the timing chain 'death rattle'.
Hopefully someone on the forum can point you in the right direction with some solid advice, but the finance company also bear a responsibility.
BTW, out of curiosity, what is the age and recorded mileage of the car?
I hope the outcome works out favourable.
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