They told me was a demo car, they let my wife with my 16month old baby drive away in it. I would think the rust on brake hose would be a mot failure.

Its very low mileage so will have probably been sat outside in all weathers going nowhere for long periods of time.

Not good for iron based metalwork, which does go rusty. Lack of use is also probably why the brakes are a mess, take the wheels off and have a look at the brakes. They may just be rusty through lack of use. Some high speed use may get rid of it as long as the disks aren't too rusty.

I woudn't be happy about the amount of crud underneath, especially if as I assume the car went through an endless "approved dealer" checklist.

https://www.mitsubishi-motors.co.uk/used-cars

https://www.mitsubishi-motors.co.uk/used-cars/approved-used

Also they was a burning smell, I just been tapping the sump tray and is full of hay and mud, I'm seriously considering taking to an independent garage and semd repost to mitsubishi UK, the dealer will just take it away clean it up then cover it up and deliver it back.

Going to do that and be as blunt with them as possible.

Phoned finance providers pcp lloydstsb and they said dealer has to initiate the return of credit. Just have a feeling they are prolonging it so that it goes over the 14 days.

Lloyds Banking Group are not being entirely helpful or frank with you. When you acquire a car on PCP you acquire it from the finance company, not the supplying dealer (they buy it from the dealer and hire it to you). The finance company is entirely responsible for all obligations under consumer law. The dealer has no liability/obligation to you whatsoever - you have no contract with them.

These give useful information:

www.businesscompanion.info/sites/default/files/Car...f

www.financial-ombudsman.org.uk/files/2914/79.pdf

Personally, I would send written notice (e-mail and real letter) to the finance company immediately saying that you wish to exercise your short-term right under Consumer Rights Act 2015 because the car is not of satisfactory quality. Document all contact.

Edited by joegrundy on 09/09/2020 at 10:24

Would be interesting to hear back from OP. In the meantime, here are a few points of interest:

1. If his PCP is with Shogun Finance Ltd, he should know that this is an entity within Lloyds Banking Group. Their registered office is elsewhere, but they share offices/call centre/staff with other LBG entities including Suzuki Financial Services Ltd.

2. LBG does not have a sterling reputation when it comes to customer service. In June 2020 they were fined £64 million by the Financial Conduct Authority for their treatment of mortgage customers: www.fca.org.uk/news/press-releases/fca-fines-lloyd...s

3. Finance companies may tend to obfuscate things. For example, they have 8 weeks under FCA rules to come up with a proposal for resolution. They may present this as a 'determination', suggesting that it's a final position not open to negotiation. (I was told this - but the final outcome was somewhat different).. It's not - it's just them trying to sound official. They're not, they're one side in the dispute.

4. Similarly, I received a message saying that my case was with 'their Ombudsman team'. 'Gosh' you might think if you didn't know better 'This must be official'. No it's not, this was their legal team trying to defend against adverse Ombudsman findings.

I have quite a bit I could quote from my (favourable) decision from the Ombudsman about 'satisfactory quality'. He also looked at 'the relevant law and regulations, regulator's rules, guidance and standards, codes of practice' etc.