You have a Debtor-Creditor-Supplier Agreement where your main contract is with the Finance Company (the Creditor).

You reject the car with the Finance Company immediately , but you should always copy the dealership (The Supplier) with all correspondence and reports of conversations etc. and, in reality, you are in a stronger position as the Finance Company have an obvious interest in ensuring the law is adhered to.

I would advise that you maintain any contracted payment schedule to the Finance Company until you have a final outcome. Do not cancel the Direct Debit arrangement as this could adversely affect your credit history.

Should your rejection action succeed, and the car returned, you are entitled to the return of all money paid by you, including the deposit value, whether paid by cash or by value of a part exchange etc.