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Take out PCP to get the benefits, apply for mortgage borrowing to overpay & minimise interest?
I usually buy a car for 15-20k and have it for a good 10 years. Mortgage 160k Additional Borrowing 20k Total Borrowing 180k at 4.74% Tracker HSBC from 1st July (Hoping its 4.49/4.24 by Summer) Purchase car on BMW PCP, highest deposit, over 4 years, mileage say 15k. Then once agreement up and running, week later, overpay…
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EV tax
I’ve just renewed my road tax on my EV Effective from 1 April 2025 I was charged £0 i called DVLA as I was expecting new charge of £190 was told that as I was renewing before 1 April I would get a further year free!!! Amazing !!!
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Car purchase problem
Hi there, advice needed….. I have seen a used car and put a deposit on it. I was meant to collect the car yesterday and went to the car centre to finalize the deal and take the vehicle away. They processed my deposit contribution but then a problem occurred their end with their ict systems which meant that the invoice…
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Radio code
Hello can anyone help me retrieve a code for my van radio please 281156951RTE326
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Breakdown Cover?
My breakdown cover with Rescuemycar.com is about to expire, whats good these days? I'm looking at personal cover for cars and bikes. If I'm honest I haven't been too impressed with Rescuemycar recently - left my husband by the side of the road overnight as they 'were too busy'. I have also had really bad experiences with…
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Car insurance company changed my job title to another one I'd tried when applying, and charged me
So I used a couple of comparison sites to renew my car insurance. As of recently I have 2 job titles and I tried both and ultimately used the one that I have always used to apply. I randomly logged into my insurance account to check my documents and there was a notice that I needed to call them. Couldn't get through, kept…
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RAC Battery Cover - complaint
Car refused to start a couple of Sundays ago, no life at all from the battery. No problem I thought, I have RAC HomeStart and battery cover. I was advised that as I was at home, I wasn’t a priority and the adviser tried to make me wait until Monday, but a patrol did attend on Sunday afternoon as I insisted due to ill…
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Halfords TPMS Valve Service
I have a leaking tyre valve so looking on the Halfords website they offer a TPMS valve service through National Tyres. The cost of the TPMS Valve Service is £5.99 Does this include a replacement valve? The what’s included description states a replacement service. The replacement service part of the TPMS service?…
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Sold a car privately
Hi advice please I sold a car in good working order sold as seen and test drive and reduced price by £500 the buyer had travelled 3 hours to buy it and now 8 days later has got in touch to say there has been issues and the car is not road worthy and sent a quote from a garage saying needs over £2k in repairs. Car driven…
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Changing photo on driving licence
Hi all, I am trying to update my photo on my driving licence as it's an old photo and looks nothing like me which really should have been changed ages ago. I've not been sent a renewal letter yet as I think that's due 2027. I don't have a passport. I have a D1 form and I've taken a new photo but what I was wondering is do…
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Low mileage diesel, need to drain annual addblue tank??
Asking for a friend who has recently got a Wheelchair Access Citren Berlingo diesel with an addblue tank. They are not planning to do many miles a year, (possibly only 2k). After doing some research I understand that the shelf life for Addblue is about 12 months. The Berlingo has a 17 litre tank that if filled will last…
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Notice of Intended Prosecution - Variable Speed Limit
I recently received a speeding fine for apparently doing 46 mph in 40 mph zone on the M1 motorway. The variable speed limits changed throughout the journey, from the standard 70, to 60, 50, 40 and maybe even 30 ! I feel the constant speed limit changes throughout my journey was very mis-leading. From lower speeds to higher…
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Salary Sacrifice - Car scheme
My employer offers a salary sacrifice car scheme but I am not convinced it's good value and I think that the lease company are benefiting more from the reduction in my tax than I would be! Here is an example: AUDI Q4 Q4 E-TRON ESTATE 210kW 45 82kWh Sport 5dr Auto the GROSS cost (excluding insurance but inc maintenance) for…
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Hire car excess insurance
We're off on our travels soon, and will be hiring a car in Japan - two rentals, total of eight days. Any suggestions for good or bad excess insurers, without having to trawl a wall of google results?
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Lex auto car tax rules
I've an EV.. Martin mentioned last night about applying early for car tax so you get a free year from April when tax applies to EVs too, regardless of when it's due. I lease from Lex Auto. They won't tax it early, I asked them today, due to their 'rules'. That's a shame as anyone driving an electric leased car will miss…
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Road Tax on electric cars registered before April 2025.
Can someone please help with the answer to these questions. If we buy a new electric car over £40,000 before April 1st, will we be having to pay the higher road tax in the future. Also, we currently have a 2 year old electric car, which was over £40,000 when new. What will the rate of road tax be after April 1st please.…
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Petrol differentials
What is a fair difference to pay for super unleaded petrol. The service stations advertise the price of ordinary unleaded but you don't know the price of super until you are at the pump. I've paid 7p extra at Tesco and 19p extra at Morrisons!
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Took my car to the garage and now it won't start! What are my options?
Hi. An amber engine warning light started to appear on my car's dashboard around two months ago. It was functioning ok, although there were some noticeable issues with it 'kangarooing' when moving up the gears too quickly if I accelerated hard (it's an automatic). I decided to bring the MOT and service forward by a month…
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Have I made a mistake with Green Flag ?
My breakdown cover is due for renewalLast years green flag cost £64Renewal would have been £68I have just taken out a new policy (yesterday) - at £48 !!Todays price is £53 I don't understand how greenflag work Unless I have made a boo-boo ?Recovery Plus does cover any driver in my car - doesn't it ?
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Santander Consumer Finance for PCH - are they OK?
Hi, I am looking at getting a new car on Personal Contract Hire, and Santander Consumer Finance have given a really good quote - substantially cheaper than anyone else including the main dealers. I've just looked on Trustpilot though and they have lots of really bad reviews! They are part of the Santander group, so I can't…
Bought a car, van or motorbike on Personal Contract Purchase (PCP) or Hire Purchase (HP) since 2007? Discuss the probes into hidden discretionary commission and undeclared commission - and how to complain.
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Most recent: Reclaim car finance and Bulling claims management companies by dunstonh
16 September at 11:29AM
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