The OP visited the showroom prior to completing the purchase- face to face discussion, therefore the Distance Selling Regulations do not enter into the equation.

The OP signed the Finance Agreement on trade premises, therefore there is no cancellation period under the Consumer Credit Act.

Sounds to me like a reasonable outcome for the OP, and that the dealer played by the rules laid down in law, so spending money on legal advice is probably wasted.

Must admit, and without trying to sound harsh, if i had done this and got away as cheaply as the OP i'd be thankful.

As an observation i suspect this is a glimpse of the tip of an oncoming Titanic sinking iceberg, again.

When interest rates are finally raised, which will have to happen as the national debt is still rising to third world proportions (but being cynically overlooked by a bought media), then the millions who are living on borrowed money based on their artificially rising house values (and politicians election coming soon spin about the fantastic economy) will be in for another life changing shock, just like last time.

People have to use common sense, and restraint, (if you can't buy it you can't afford it), if they don't then financial ruin won't be far away.

In the political version of musical chairs, i don't suppose either of the identikit parties wants to be the one in office when the music stops.

Edited by gordonbennet on 22/04/2014 at 10:35

You would have thought that the figure of 37000 would have set some alarm bells ringing somewhere.

If this all happened two and a half years ago plus, what are you trying to achieve by going back over old ground now???

The OP is trying to see if someone else can be blamed for his poor decisionmaking, and if he can get some of the money back. After all, where there's blame, there's a claim !

Unfortunately though, I don't think a claims management shyster...erm, company, I mean, would take his case on. Maybe he's tried, and they've told him that he hasn't got a prayer. So now he's asking on here to see if there's someone a little more understanding/gullible

Number 6 in OP is the key.

Signed up to a deal and only later did sums about afordabiliy?

Can kind of understand getting in that sort of muddle over a car at say £5k, desperately needed for work and sold on basis of a just affordable £150/pcm.

But nobody 'needs' a £37k car; at that point the driver is WANT. And if it's WANT my sympathy for OP could comortably be written on a postage stamp.