BMW 320d 150Bhp Turbo Problems I assume that you still had an outstanding finance agreement/HP agreement of some sort and you handed it back to them because you couldn't make the repayments or didn't want to pay the final figure? I'd need to know a bit more about this agreement. How much was left to pay under this agreement? How long had you had the car, and what age/value/mileage was it when you bought it? BMW need to mitigate their losses by selling on the car, but obviously in this case they sold it for far less than they would otherwise have done had it not developed the fault. However, if the fault was not due to normal wear and tear, this is not your responsibility! If you had kept the car and this fault had occurred, then you would have had rights to redress (I won't go into detail as your rights will differ depending on what finance agreement you had and I don't have that information). However, regardless of what legislation you are looking at, you would have had the right to a vehicle of satisfactory quality and fit for all normal purposes for that age and mileage. It doesn't seem like a very old car, and it does seem like a very serious fault, so it would appear to me that you would have had a good claim for a repair, or at the very least compensation towards the cost of repair. I can't be more specific without further details of the car: age, mileage, value; also your type of finance agreement and how long you have had the vehicle. Needless to say, though, the company should not be able to say they have sold the car as not running and therefore the losses because of this are yours to bear. It's hard to advise without seeing the credit agreement etc, but in my opinion - although you may well be liable for a settlement figure - this should have been mitigated by the trader selling the car in the condition it should have been in for its age and mileage. You should not be penalised for faults that have occurred since, which are not attributable to normal wear and tear. ________________________________________________________________ bodybuilding supplements Heel Pad