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Black Horse Car Finance
We have a settled car finance account however we have discovered via a mortgage application last week that BH listed a default on our account on 12th November, our car was collected on the 14th October we had a balance provided to us of what we owed prior to the car being collected but we were under the impression that we…
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Handbrake Accident Am I Insured
Could anybody help in letting me know if my insurance is still valid. Sorry for the long description but I wanted to give you all the facts. I had just turned a corner at a traffic lights crossroads when my Hyundai car cut out. I did apply the handbrake but only at two or three notches and so it wasn't fully on. My car…
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Should I pay off PCP on bike?
Hi, so I have a 2024 motorbike I want to get rid off, I've taken it over 3 years PCP. I've recently advertised it and being very upfront about its still owed money to clear it off, I've stated on the advert I will clear the finance and ensure its clear if someone is serious about buying it and ensuring its clear before…
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RAC turned up without correct tools then charged me for tow home
Hi all, can anyone advise if I can possibly get the £199 'emergency tow home' fee refunded? The circumstances are of my own doing but the fix was very easy. I was NOT an RAC member until I called for a repair and joined over the phone for this repair. I had bought the part to fix my oil leak and decided to stop on a side…
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Static caravan damage
hi all, we own a static caravan that was damaged by a snowplough contracted by the Park. The Park originally said it was their responsibility but now say say we have to claim on our own insurance which does not seem right? Any help much appreciated please.
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EV Cabling
Hi everybody, I'm hoping to get an EV charger fitted, but my Consumer Board is in the middle of the house under the stairs. Is it possible to run the cables in the house and is there a good way to hide them, also once the cable goes outside it will need to be armoured cable, will the internal cable need to be armoured?…
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Speed awareness course and PCH car lease
I'm looking at doing a PCH lease for the first time. I have a clean license, never had any points so if I did ever get caught speeding I would hope to do a speed awareness course to avoid points.I am just researching the details of leasing and can see I wouldn't get any tickets sent to me since I'm wouldn't be the…
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Does motor legal protection include defence of claims for uninsured losses against policy holder?
Question about Motor Legal Protection: one of its main
purposes is recovery of uninsured losses, but does it provide cover in the
opposite situation, i.e. defence if someone claims uninsured losses from the
policy holder? I understand this may vary between policies but I'm interested
in finding out if this is generally…
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Insurance not sorted after 2 years
Hi, Back in August 2022, a lady drove into the side of my car which is clearly their mistake. I had dashcam which clearly recorded the incident. The lady was adamant that it’s not her mistake and didn’t want to provide any details but I got the car reg and all photos in relation to the damage. I have reported to my…
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Garage made mistake with repair - not sorted 4 months later
Hi all, I'd be really grateful for some advice from any mechanics, as well as any general thoughts on my issue. I have a VW Caddy Maxi which is converted into a small camper van (professional conversion - this doesn't really matter aside from the fact that the van obviously worth more than a regular 2015 Caddy) The van…
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VAT on VED for a leased vehicle
On April 1, 2025 Vehicle Excise Duty (VED) was instigated for Electric Vehicles (EVs). This seems fair since I create as many potholes as a Diesel SUV. My vehicle is currently leased. The leasing company has told me that I will be billed separately for the VED AND that they would be charging me VAT on top of the amount. As…
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Cheap rates for EV?
Hi everyone 👋 My friend has got a mobility car but its electric. She doesn't have a drive. So they didn't fit her with a EV charger. She has been told to use BP pulse app to get a slightly cheaper charge when using public ev chargers. However on the app they seem to be a good few miles away from where she lives. So which…
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Cooling off period
Deletedddd
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Power Steering fluid
I've got a 2012 Ford Mondeo 1.6 EcoBoost. I'm being told that it is recommended by Ford that the power steering fluid AND the reservoir and attached filter should be replaced at 75,000 miles Does this sound right? (I had read the service/maintenence schedule for this car online last year, but I now don't seem to be able to…
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PETROL OR HYBRID
Hi Folks I'm thinking of buying a new car, but can't decide whether to go for a petrol or hybrid car. Any suggestions greatly appreciated Thank You
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Insurance claim seemingly on indefinite hold - can I do anything?
Back in January I had a minor bump when another driver decided to pull out of an illegal parking spot (double yellow lines, hatched markings) into my path. I went into the side of them, but fortunately had it all on dashcam. The driver got out of their car and threatened me before driving off. All of this was reported to…
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Car hire in Slovenia - advice needed please.
Hi all, Our car hire company are being particularly unhelpful answering my questions & have told me that with the "personal touch" someone will contact me 2 days before we arrive with further details and that, "no", they havent got anything to send me now!!! I am trying to research the questions myself and was hoping that…
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Another GAP Insurance Question
I’m potentially buying a used car for £60k and putting a £20k deposit down and financing the balance. I’m looking at combined RTI Gap insurance. I believe that in the event of a total loss, it will pay the difference between the insurance company's settlement and the higher of either. The outstanding finance. The original…
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Best mercedes star on grill please
https://postimg.cc/ZWSHdHNq Or https://postimg.cc/ZWSHdHNq I have this one I want to change it to the top one is it better or not please? Thank you
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Car Insurance - I work 3 nights per week
I work 3 nights per week, 6pm to 6am so my car is parked in a factory car park, I got renewal quotes and rang 3 insurers. The first 2 said I needed to say it was parked in a factory car park pushing the premium up significantly. The 3rd company (Elephant) said because the car is at home for the majority of evenings (4…
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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