Buying a used car is a significant financial commitment. While we all hope for a smooth drive home, mechanical failures can happen. As of 2026, the primary shield for UK motorists remains the Consumer Rights Act 2015 (CRA 2015).
If you have purchased a car from a commercial dealer and it has a significant fault, you aren't just at the mercy of their "goodwill." You have powerful statutory rights. The most potent of these is the Short-Term Right to Reject.
Key Takeaways
- The 30-Day Window: You have a statutory right to a full refund if a fault appears within the first 30 days.
- Trader vs. Private: These rights only apply when buying from a business (dealer), not a private individual.
- Standard of Goods: The car must be of "satisfactory quality," "fit for purpose," and "as described."
- Burden of Proof: In the first 30 days, the consumer needs to prove the fault exists, but within the first 6 months, the "reverse burden of proof" applies to repairs.
Buyer Rights: Your Protections under CRA 2015
Under the Consumer Rights Act 2015, any vehicle sold by a dealer must meet three core criteria. If it fails any of these, you have a legal basis for a claim.
1. Satisfactory Quality
The car must be in a condition that a reasonable person would expect, taking into account the age, mileage, and price paid. A 2024 Audi with 10,000 miles is held to a higher standard of "satisfactory quality" than a 2015 Ford with 120,000 miles. However, even an older car must be roadworthy and safe.
2. Fit for Purpose
If you told the dealer you needed the car for a specific purpose (e.g., towing a heavy caravan) and the car is incapable of doing so, it is not fit for purpose.
3. As Described
The vehicle must match the description provided in the advert or by the salesperson. If the car was advertised as having "full service history" or "satellite navigation" and it lacks these, the dealer is in breach of contract.
The Short-Term Right to Reject (The 30-Day Rule)
This is your most immediate protection. If a fault that makes the car unsatisfactory, unfit for purpose, or not as described is discovered within the first 30 days of purchase (or delivery), you can reject the vehicle.
- Entitlement: You are entitled to a full refund.
- Repair vs. Refund: Within this 30-day window, the dealer cannot force you to accept a repair. You can choose to have a repair, but you are legally entitled to say no and demand your money back.
- The "Stop the Clock" Rule: If you agree to a repair within the 30 days, the "clock" stops. Once you get the car back, you have the remainder of the 30 days (or 7 days, whichever is longer) to decide if the repair was successful.
Rights Beyond 30 Days (Up to 6 Months)
If a fault appears after 30 days but before 6 months have passed, you still have significant rights. However, the process changes:
- Right to Repair or Replacement: You must give the dealer one opportunity to repair or replace the car.
- The Final Right to Reject: If the repair fails, or is not completed within a reasonable time, you can then exercise your "Final Right to Reject" for a refund.
- Deduction for Use: Unlike the 30-day rule, if you reject a car after the first 30 days, the dealer is entitled to make a "deduction for use." This is usually a calculation based on the mileage you have added to the vehicle.
Dealer/Trader Obligations: What They Must Do
Dealers are bound by strict legal frameworks, including the Consumer Protection from Unfair Trading Regulations 2008 (CPRs) and the Financial Services and Markets Act 2000 (FSMA) if they provided finance.
1. Transparency and Disclosure
Under the CPRs 2008, dealers are prohibited from "misleading omissions." They must disclose any "material information" that might influence your decision to buy. This includes known mechanical issues, previous structural damage (even if repaired), or if the car was previously a taxi or rental vehicle.
2. The Burden of Proof
For the first six months after purchase, the law assumes that any fault discovered was present at the time of delivery. This is known as the Reverse Burden of Proof. It is for the dealer to prove the car wasn't faulty (e.g., showing the fault was caused by driver abuse or an external accident), rather than the buyer having to prove it was.
3. Processing Refunds
If a buyer validly exercises their right to reject under CRA 2015, the dealer must:
- Refund the money without undue delay, and certainly within 14 days of agreeing the refund is due.
- Use the same payment method the consumer used, unless agreed otherwise.
- Take responsibility for the cost of returning the vehicle (unless the contract specified the consumer must return it to the point of sale).
4. Handling Finance (s.75 and s.99 of the Consumer Credit Act 1974)
If the dealer arranged finance or you paid a deposit (between £100 and £30,000) via credit card, the dealer and the finance company share "joint and several liability" under Section 75 of the Consumer Credit Act 1974.
- Section 75: You can claim against the finance provider if the dealer goes bust or refuses to cooperate.
- Section 99: If you are on a Hire Purchase (HP) or PCP agreement and have paid more than 50% of the total price, you have a "Voluntary Termination" right, though this is separate from fault-based rejection.
What to Do If You Find a Fault
- Stop Driving: Continuing to drive a faulty car can be seen as "accepting" the goods or causing further damage.
- Gather Evidence: Take photos of the fault, dashboard warning lights, or diagnostic reports from an independent garage.
- Notify in Writing: To exercise the 30-day right to reject, you must clearly "indicate" to the trader that you are rejecting the car. While you can do this verbally, it is essential to follow up with an email or recorded delivery letter referencing the Consumer Rights Act 2015.
- Contact the Finance Company: If the car is on finance, you must inform the lender immediately. The car technically belongs to them, not you.
Summary of Legislation Referenced
- Consumer Rights Act 2015: Governing the quality of goods and the 30-day right to reject.
- Consumer Protection from Unfair Trading Regulations 2008: Prohibiting misleading actions and omissions.
- Consumer Credit Act 1974: Providing protection for financed purchases (s.75).
- Road Traffic Act 1988: Ensuring vehicles sold are in a roadworthy condition.
Disclaimer: This article is intended for general informational purposes only and does not constitute legal advice. Laws regarding consumer rights can be complex and are subject to change. If you are involved in a legal dispute, please consult a qualified legal professional or contact Citizens Advice.