Substandard cars that shouldn't be on the road Complaint Regarding Alphera Finance – Unresolved Vehicle Issues and Unsatisfactory Handling I am writing to raise a formal complaint regarding my experience with Alphera Finance in relation to a vehicle purchased through Peter Vardy in March 2024. Shortly after purchasing the vehicle, multiple mechanical and safety-related issues emerged. These were reported to the dealership, and after several unsuccessful repair attempts, I accepted a replacement vehicle in June 2024, under the understanding that any future issues would be supported by the finance provider, Alphera. Unfortunately, the replacement vehicle has proven to be even more problematic and, in my view, unsafe to drive—particularly in wet conditions, so much so that my partner refused to drive it, due to significant traction issues. Within the first month, I raised these concerns with the dealership and Alphera. Despite assurances, Alphera failed to act promptly or effectively. I was advised the car could be rejected on the basis of it being unfit for purpose, and I lodged this as a formal complaint on safety grounds in September 2024. However, it took over 13 weeks for Alphera to progress the matter, during which time communication was poor, with minimal updates provided. I also escalated the issue through Resolver and obtained an independent inspection from Scotia on 13 December 2024. The report highlighted ongoing traction control issues, braking “shudder,” and tyre contamination, further reinforcing my safety concerns. Despite providing this report to both the dealership and Alphera, neither responded adequately. The dealership initially refused responsibility, claiming ownership had changed, and passed me to a new group without proper handover. A third-party repair garage was assigned without consulting me, and the vehicle was deemed unsafe to drive until repairs were made. Additional issues have continued, including: Ongoing engine noise (possible gearbox fault) DPF (diesel particulate filter) problems and failed regeneration SOS system malfunctions Faulty or tampered seatbelts Incorrect MOT results Software updates disabling vital features like the oil life monitor Malfunction warnings logged by AA and rescue services, which were later erased before inspection by Alphera’s appointed agent To date, Alphera has not provided me with a copy of their final inspection report despite multiple requests. I was also advised that if I was unhappy with the car, I would need to trade it in—at a significant financial loss (over £4,000), which I find wholly unreasonable given the ongoing issues. I believe I have acted in good faith throughout, allowing time for repairs and escalating concerns through all appropriate channels. I have repeatedly stated the car is unsafe and unfit for purpose, and yet Alphera appears to have sided with the dealership at every turn, delaying meaningful resolution. I am seeking a fair resolution, including: A formal investigation into Alphera’s handling of my complaint A full copy of their inspection report A rejection of the vehicle on grounds of persistent faults and safety concerns A refund or appropriate financial redress reflecting the condition of the vehicle Thank you for your time and assistance in reviewing this matter. Yours sincerely, [Full Name] [Address] [Contact Details] [Vehicle Details / Finance Agreement Number