Letter to complain about faulty goods bought on hire purchase
This advice applies to Scotland. See advice for See advice for England, See advice for Northern Ireland, See advice for Wales
If you bought the goods before 1 October 2015
This letter applies to goods that you bought on or after 1 October 2015.
If you bought the goods before 1 October 2015, contact Advice Direct Scotland's consumer service or your local citizens advice bureau for advice on what to include in your letter.
Use this letter template to complain to the finance company that you make your hire purchase (HP) payments to. They are responsible if the goods are faulty, rather than the trader that sold them to you.
It should help the trader understand your point of view and their legal obligation to sort out the problem.
You can send the letter by post or copy the text into an email. If you’d prefer to talk to the trader on the phone or in person you could read it out to them.
Sam Hoolin
8 Park Avenue
Arlton
AL1 4CA
sam123@mail.com
01632 960001
Giltham City Bank
24 Station Road
Giltham
GT16 3LP
22 December 2024
To whom it may concern,
Account number: 12345678
Consumer Rights Act 2015
On 26 October 2022 I entered into a Hire Purchase agreement with you for Thread+Go sewing machine model 5400 from Giltham Traders.
I now have a problem with the goods:
the machine stops working after 15 minutes of use and then takes at least an hour to switch back on.
I understand that under the above legislation, it is your responsibility to resolve the matter and would therefore ask that this is done within the next 14 days.
Yours faithfully,
Sam Hoolin