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Paying off a PCP early - interest charges
I recently bought a new car (6 months old) from a Volvo dealer. £35990. I put £11k down as a deposit and the £24990 financed using a PCP over 3 years at a monthly cost of £354.95. 21 days later I decided that it would be prudent to settle the PCP and own the car outright and I applied for a settlement figure. Volvo…
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Written off car, when can the salvage company collect?
Hi, We've been verbally told by the insurance company that the car will be written off. We are yet to recieve an offer in terms of payment and yet the salvage company are trying to collect. Am I right to refuse collection until a settlement figure has been reached? After all the car still belongs to me until an offer…
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Misled While Renting Van and Buying Additional Insurance
Rented a moving van but was very hesitant about it, not much experience driving vans but it was an urgent situation. Anyways figured whats the worst that can happen as I was able to buy additional insurance to reduce the excess down from £2000 to £250 (I was told this would cover me for any damage to the vehicle).…
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ULEZ fine
hello guys i have received a fine for not paying ulez charge on time! now, the time they allow you to pay, is a couple of days! i was on holiday at time, and when arrived home a few days later, tried to pay, but it was not possible, i even phined TFL, and was told that i missed the boat!! the next thing is afine of £180 or…
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Car hire purchase credit check/eligibility for people who don't usually borrow!
OH and I, mortgages apart (which we paid off several years ago) cannot remember the last time we bought anything on credit. We don't have credit cards and we simply like to buy outright. Just now we're considering the possibility of getting a 'new' (i.e. new to us!) car on HP but disturbing tales are reaching us of people…
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Approved Used Car - Strange Odour / Smell, what are my options
Hi, Looking to buy a used approved car but during inspection i noticed a strange strong odor (wet pet / dew). Flagged to the dealer before delivery of the car. Dealer responded will try best but cannot guarantee. Also, trying to cross sell optional product which includes steam cleaning, polishing and lifeshine autoglym…
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Damaged car missold?
In October 2023 we purchased an ex demo car which was a few months old. All was fine until a year later when I noticed the paint had rubbed away in a small area at the front edge of the door. On closer inspection, I could see that the door and the front wing are touching when the door is opening and closing. This prompted…
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Škoda Enyaq financing
I posted this on an Enyaq forum but since is a money saving site what are people’s thoughts on the below I have decided to get an enyaq sportline but torn between purchase options. There is a lease deal for a brand new 85x sportline that is £3782 upfront then £315 per month for 2 years.Total over 2 years £11342…
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Buying old car price variations between AutoTrader and Parkers?
My lads just passed test and looking to buy a cheap motor <£4k Virtually every car we find on Autotrader is at least 30% higher than the Parkers valuation. I know Parkers is just a guide, but is it really that far out, or do cars on Auitotrader tend to get advertised at higher prices?
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Non fault accident - repair cost if not repaired
I was planning to sell my car, which is a 2010 and hard to get parts for but has MOT and runs fine, but someone hit me from behind and the tailgate is damaged. Their insurer accepts responsibility, and has asked for my costs but it would suit me to get a cash payout and sell unrepaired (tailgate still works). Is that…
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Pothole claim solicitor
Hi having had our claim against national highways rejected for the damage caused by a pothole to our car we are now considering using a solicitor to make a claim on our behalf . Am wondering if anyone else has made a successful claim with the help of a solicitor? If so who do you recommend? Thanks in advance
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Van broken down under warranty
Hi, I bought a semi automatic 2014 van and it came with three months warranty. It broke down after 2 1/2 months with a power shift solenoid problem basically gearbox. It’s since gone back to the van dealership for them to check it over as it’s still under warranty. As the van has gone back to the dealership, I’m without it…
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Reduced car value after non-fault accident
Our car was crashed into while it was parked at home. Devastating as our car was booked in at a garage next day to sell!!! We had already been given a value for our car over the phone. We had the car repaired back to perfect condition and went back to garage to sell. Because it had been in an accident We were offered £4k…
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BW Legal - bogus car hire allegation
I've received a letter today from BW Legal which is demanding payment for car hire in Peterborough in 2020. They have previously attempted to obtain money from me with the same wording, which resulted in a formal complaint and what I thought was the end of the matter, but they continue to harass me. I have never hired a…
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SORN a new vehicle - who gets the refund?
I bought a brand new vehicle in June which I want to SORN. The dealer paid the VED. Will I get the refund or the dealer given that they paid? Thanks!
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PHEV or Full EV and PCP vs Part cash & Loan
I am currently looking at either the Hyundai Tuscan PHEV with a 38 mile battery range or Skoda Enyaq Sportline. The Hyundai Tucson is £27,750 and was first registered in March 2023. It does have a low PCP rate of 7.4%. The Skoda Enyaq Sportline was first registered in December 2021. It has done around 50,000 miles with a…
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Time to repair and repaint bumper
Hello, I'm hoping someone can shed some light on the following: Ford C-Max's rear bumper got deep scratches on the corner while parked. Estimate of repair is to strip, repair, repaint, and refit bumper and they are telling me that they estimate it will take 10 working days... I have no idea (hence my question) but that…
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Justpark now charging a fee for withdrawing earnings
I rent my parking space out via Justpark (as well as yourparkingspace and parkonmydrive). I've just noticed that, as well as charging a hefty 30% commission on parking fees, they are now charging a 50p fee for withdrawing earnings. I hadn't been notified in advance that they would be doing this. I'd encourage people to use…
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Insurance too cheap?
When More Than left the motor insurance market, Swinton Insurance offered me a policy, at an attractive rate. I have seen some negative comments, but went ahead. It is now time for renewal again, and they have reduced the cost from £257 last year to £243.Using all the MSE recommended sources, my cheapest offer is £332 from…
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Continuing Motorbike NCB
Hi Guys, need advice on basically how to carry on my NCB without a bike. I've gathered 7 years NCB, but it was nearly 2 years ago I last had a policy.After 2 years I usually lose the NCB, which of course I don't want to do. Is there any way I can just create a fake policy or insure on a friend's bike in order to carry on…
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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