Withholding Ballon Payment

[912Matt]

The balloon payment on my Emira is due next month.
As a result, I have been in touch with my local Lotus SC to have the outstanding warranty issues sorted before making the payment.
Unfortunately, I have been told that the warranty work (specifically blistered doors) is on hold due to backlogs.
I have therefore emailed the finance provider (CA Autobank) to let them know I won’t be making the balloon payment until the work has been completed to my satisfaction.
Just wondering if anyone in the UK been down this route previously?

 

[Six Speed Stephen]

I'm not familiar with the UK balloon payment, or UK law so take this for what it is...

But in the US, unless these two things are specifically tied together, you can't withhold payment for X because of Y. Given that the warranty is provided by the manufacturer, and the finance agreement is handled by the dealer/bank, you shouldn't be able to legally withhold payments, unless the two are explicitly tied together, which they likely aren't.