The BMW N47 diesel engine has earned a notorious reputation for premature timing chain failure. If you've bought a BMW 1 Series, 3 Series, or 5 Series diesel from 2007-2014 and experienced the tell-tale diesel rattle or catastrophic engine failure, you're dealing with a well-documented manufacturing defect.
The N47 Timing Chain Problem
BMW fitted the N47 engine to millions of vehicles between 2007 and 2014. It powered the 116d, 118d, and 120d in the 1 Series, the 316d, 318d, and 320d in the 3 Series, and the 518d and 520d in the 5 Series. The X1 and X3 also used variants of this engine.
The problem is simple: the timing chain stretches prematurely. Sometimes the tensioner fails. Sometimes the guide rails wear through. And when the chain jumps or snaps, valves hit pistons and the engine is destroyed.
BMW originally marketed timing chains as "lifetime" components requiring no scheduled replacement. The N47 timing chain typically fails between 40,000 and 80,000 miles—nowhere near the 200,000+ miles you'd expect from a diesel engine's timing system.
The Diesel Rattle
Most N47 failures announce themselves with a distinctive diesel rattle on cold start. It sounds harsh, metallic, and lasts 5-10 seconds before settling down. That's the sound of a stretched timing chain slapping around inside the engine.
If you hear it, the chain is already damaged. It's not a question of if it will fail completely—it's when.
Your Rights Under the Consumer Rights Act 2015
If you bought your BMW from a dealer—whether a BMW main dealer, independent garage, or used car supermarket—the Consumer Rights Act 2015 gives you statutory rights.
Durability Matters
Section 9 of the Act requires goods to be of satisfactory quality, and Section 9(2)(c) explicitly includes durability. A timing chain failing at 60,000 miles on a premium diesel engine is not durable. BMW sold these vehicles as reliable, high-mileage workhorses. They aren't.
The 30-Day Window
If the fault appears within 30 days of purchase, you can reject the vehicle immediately for a full refund under Section 22. The dealer doesn't get to try a repair. You're entitled to reject outright.
The 6-Month Presumption
If the fault appears within 6 months, the law presumes it was there when you bought the car. The dealer has to prove the timing chain was fine at the point of sale—which is nearly impossible with a progressive defect like chain stretch.
After one repair attempt (or if repair would be impractical), you can reject under Section 24 and receive a refund. The dealer may deduct something for your use of the vehicle, but the deduction must be fair and reasonable.
After 6 Months
You can still claim after 6 months, but you'll need evidence the fault was present or developing at the time of sale. For the N47, that usually means an independent mechanic's report confirming the chain has stretched or failed, stating it's consistent with the known N47 defect, and clarifying it's not caused by owner neglect or lack of maintenance.
Claims are possible for up to 6 years from purchase.
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Why "It's a Wear Item" Is Nonsense
Some dealers try to dismiss timing chain failure as normal wear or a service item. That's deliberately misleading. BMW explicitly marketed the timing chain as a lifetime component—it was never listed as a service item in the maintenance schedule.
A timing chain that fails at 60,000 miles on a diesel engine designed for 200,000+ miles is a manufacturing defect. There are class actions in multiple countries. BMW has issued technical service bulletins. Online forums document thousands of failures. This isn't wear—it's a design flaw.
Finance and Section 75
If you bought the BMW on finance, rejection automatically unwinds the finance agreement. You stop paying for a broken car.
More importantly, you can claim directly against the finance company under Section 75 of the Consumer Credit Act 1974. Finance companies are jointly liable with the dealer for breach of contract. If the dealer refuses to accept your rejection, escalate immediately to the finance company—they're often more pragmatic about settling claims.
How to Reject Your BMW
Start with a formal written rejection letter. Don't rely on phone calls or verbal conversations—everything must be documented.
Your letter should state you're rejecting the vehicle under the Consumer Rights Act 2015, cite Section 9 (satisfactory quality), Section 9(2)(c) (durability), and the appropriate rejection section (Section 22 if within 30 days, Section 24 if later). Describe the timing chain fault, when it appeared, and the symptoms (diesel rattle, warning lights, engine failure). Request a full refund and collection of the vehicle at the dealer's expense.
Evidence You Need
The strongest evidence is an independent mechanic's report. It should confirm the timing chain has stretched or failed, state the fault is consistent with the known N47 defect, and clarify it's not caused by lack of maintenance or owner abuse.
Also include your full service history proving you maintained the vehicle correctly, diagnostic fault codes (common ones are P0016 for timing correlation, P0011/P0021 for camshaft timing, P0340/P0341 for camshaft sensor), and photos or videos of warning lights or the fault.
If possible, reference BMW technical service bulletins or online documentation of widespread N47 failures. Evidence that the problem is systemic strengthens your case significantly.
When the Dealer Refuses
Most dealers will push back initially. They'll claim it's normal wear, offer a repair, or suggest you didn't service the car properly. Don't accept their excuses.
If they refuse your rejection, escalate to the finance company if you bought on HP or PCP. File a complaint with the Motor Ombudsman if the dealer is a member. Report them to Trading Standards. And if necessary, prepare a county court claim through Money Claim Online for claims under £10,000.
Most dealers settle before it reaches court. The legal position is clear, and they know it.
Real Case: 2011 BMW 320d
A customer bought a 2011 BMW 320d (N47 engine) in January 2024 from an independent dealer. The car had 68,000 miles and cost £7,500. Three weeks after purchase, the customer heard the characteristic diesel rattle on cold start. A BMW specialist confirmed the timing chain was stretching.
The customer was still within the 30-day short-term right to reject. They sent a formal rejection letter citing Section 22, attached the specialist's report, and demanded a full refund.
The dealer initially refused and offered to replace the timing chain. The customer stood firm, pointing out Section 22 does not require them to accept a repair within 30 days. The dealer collected the vehicle and refunded £7,500 within two weeks.
What If You've Already Paid for a Repair?
Some owners discover the timing chain is failing during a service and pay to have it replaced preventively. If you've recently bought the car and already paid for this work, you can claim the cost back from the dealer.
The vehicle was not of satisfactory quality when sold—it had a known defect requiring expensive preventive maintenance. Send the dealer a letter requesting reimbursement of the repair cost under the Consumer Rights Act, attach the repair invoice, and give them 14 days to pay.
If they refuse, add it to a rejection claim or pursue it separately through the small claims court.
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Legal Disclaimer
This article provides general information about consumer rights under UK law. It is not legal advice and does not create a solicitor-client relationship. For complex cases or litigation, consult a qualified solicitor. The Consumer Rights Act 2015 applies to purchases from traders, not private sales.
Last updated: February 2025
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