Q&A Your legal questions answered.

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Kevin, from Luton, Beds, bought a Ford Ka on hire purchase. Two days later it broke down.

He returned it to the garage, they found a problem with the clutch and fixed it. Three weeks later the same problem recurred and again the garage fixed it.

Two weeks on, it happened yet again, Kevin had had enough. The

QA WARDROBE I ordered from a furniture shop is still not here. It was supposed to arrive in the first week of May, then the end of May, then mid June. I have asked the shop to return my £155 deposit but they say the wardrobe will be here in the next few weeks and if I cancel I’ll lose my deposit. Can you help? Fred Jacobs YOU are entitled to your deposit back if the retailer gave a firm date for delivery because they will now be in breach of contract. You may not be if they only estimated the delivery and gave no assurances, depending on what their terms and conditions say. AM I protected if an item I buy from a private seller on ebay is faulty? Lesley Harper

AQcar is clearly not of satisfactory quality and, as the repair has failed, Kevin can now demand a refund.

The car being of satisfactory quality will have been a term of the hire purchase agreement and, on this basis, Kevin can get the agreement terminated.

Damian, from Southend, Essex, bought a Range Rover Evoque using a fixed-term loan.

After eight weeks it began constantly breaking down. It became clear the problem had been present since Damian bought the vehicle. He complained to the dealership but it refused to help unless he paid for a repair.

He can make what is called a section 75 claim to the provider of the hire purchase agreement.

This will result in the loan being cancelled, the car being taken back and the garage pursued for a refund. ESCALATING YOUR COMPLAINT If all else fails, you can complain to the free Financial Ombudsman Service if you purchased the vehicle with some form of credit.