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The finance company gave me details of a company called Habcheck who would do and impartial inspection...probably at my cost ....is this really needed as the Ncc Bailey Approved engineer has already reported back to Bailey?
There are some facts in you favour, the first is an independent AWS engineer identified the fault. Another bailey dealer also confirmed there was a enough of a problem to request the manufacturer to get involved, who have asked to have the caravan in for repair. That is two independent businesses who have identified a problem, neither of which have any interest or reason to make a false statement about what they found, but both have identified a problem which is bad enough to involve the manufacturers warranty.
That sets out the seriousness of the situation. What it doesn't prove is if the fault or the cause of the fault was present at the point of sale, because that is the legal test that defines if the finance house does have liability in the matter.
Personally I believe in this case the nature of the fault is sufficient to show the goods were faulty at the point of purchase, but because of the way the CRA works, as the fault was only discovered more than 6 months after you received the caravan, the CRA sets out the customer has to show the fault must have been present at the point of purchase.
There can be no harm in trying to use my points above, but you may need to concede to the finance houses request. At least they have identified a company to use, but you also need to have confidence in their impartiality and they are not acting as a loss adjuster for the credit company.
If you disagree with the the companies decision, and have followed theit disputes procedure, you still have the right to lodge a claim under the CRA in the courts where being a civil case the decisions and outcomes are based on the balance of probabilities and how a reasonable person would view the situation.