Tesco mis-sold me a cream cake instead of a nice healthy carrot, can I claim compensation?
if theyd packaged it as a nice healthy carrot,told you it was a nice healthy carrot, but had actually missold you a cream cake instead, then yes absolutely you could.
thats very much the essence of being missold something by a set of misleading, false or fradulent claims that induce you into buying or agreeing a contract.
in terms of car HP, youll have been told very clearly by the sales person, or I can remember dealing with a specific "finance advisor" (thats crucial because it means the advice they give you has to be accurate and is covered by the FCA) at the dealer, who would have used terms like this is the cheapest/best deal that we can do, and no two customers ever got the same deal even for the same car.
but now they are giving you financial advice at that stage, and if that actually wasnt the cheapest/best deal in the market because theyve added some little 1-2% extra as their bonus then they are misselling the finance to you.
that to me is why this is different to the PIP thing, because you would have been told about PIP when you took out credit, though obviously some people needed to be told more forcibly.
whereas this they were selling a finance product and there were often just making up the figures to suit whatever bonus the garage,dealership, finance co wanted.
and someone said about you were happy to pay it so whats the issue, no the last HP car I got, and partially the reason Ive not done it for 13 years since, I wasnt "happy" with the deal I got, I absolutely felt I was being taken to the cleaners on it actually, but I accepted it because I thought I was being given fair unbiased financial advice that this was best deal I could get. turns out my instinct was probably right and it wasnt.
