Motability Prices,what do you think of them ?

devizes18193

I was disappointed when they took away the option for buying the car instead of the contract hire . I find the advance payments hard to raise

CTcelt1988

sangio wrote: »

I absolutely agree with your comments. When I received my car it was a life saver.

Little did I realise that the government had in mind to change everything. I thought that my DLA HRM was safe unless there were any changes to my abilities, and that having the Motability car was always going to be there for me.

Unfortunately as more and more of this new benefit PIP is disclosed, the more it has become apparent that when I am re-assessed, and the goal posts having now been moved, I will lose the enhanced (HRM) rate. At best I would manage to get 4/8 points out of the required minimum of 12.

Being put in a state of false security has me worried sick.

If this has happened to me, it must happen to many others that thought only the Low rates of DLA were being attacked. It seems that many with HRM will stand to lose as well in considerable numbers.

Well, by going by the Goverments predictions, 1.7 million people will qualify for PIP altogether, 500,000 will lose out completly. They also estimate that 760,000 will get the enhanced rate of PIP Mobility, with 560,000 getting standard rate mobility. They estimate that if DLA was going to continue in the current way in 2015/16, then 2.2 million would be getting DLA altogether, with 910,000 getting HRM. So 150,000 could lose HRM, dropping down to standard PIP mobility.

anguk

sangio wrote: »

Errr there is such a thing called 'car finance' that is offered by all garages that still allows you to buy your car!

True, but I would imagine that you'd need to have a pretty good credit rating to get car finance from a garage and not everyone has a good credit rating. As far as I'm aware Motability didn't credit check for hire purchase so were the only option for some people.

leveller2911

sangio wrote: »

In which case there is clearly a business model that is just ripe for starting up.

If as you say many can't get credit because of a bad or poor credit rating, and they still need a car, why doesn't someone open up a national business to cater for these types of people?

We have Brighthouse for that category of the public when they need domestic appliances and furniture, what is wrong with 'Brighthouse Secured Car Finance'?

There will be no need for them to deal in the buying and selling of cars, just the financing of them.

They could put a max of say £2,000 for a car and the customer could pay weekly over 5/7/10 years as they do with TV's Fridges, Sofas etc?

Doesn't that just encourage people to get into debt and live beyond their means?...... It may be a great business model in times when as a nation we have just about maxed out on the Credit Cards.Whatever happend to saving up? or not buying what you can't afford?...


5/7/10 years to pay for a TV,or sofa ? :eek: seriously?

Just done a quick sum on a fridge freezer from there.At Currys its £600-00, from Brighthouse its cash price is £724-97 financed total to pay is £1,605-24 for a £600-00 fridge freezer. Shocking, truely shocking.

leveller2911

sangio wrote: »

Well people can't have it all ways can they?

They create that they are likely to lose their Motability car, then, as you say, it may be too expensive to buy one for those that have a dodgy credit rating, so what are we left with.

Good old public transport!

Or stay indoors! Take your pick. There is certainly no need to be 'housebound' is there?

You won't find many posters more critical of the the Motorbility scheme than me but posting a possible solution that invloves high interest legal loan sharks is not really in the spirit of a money saving website is it.......;)

Richie-from-the-Boro

Leo McKee Brighthouse CEO


It used to be called Crazy Georges. The French for once had the right idea, the government shut them down within two days for """ marginalising the poor, making their poverty permanent and passing the bounds of decency """. Leader of the Socialist Party, Lionel Jospin described the “scandal of shops for the poor where they have to pay twice what the rich pay”

In this country Brighthouse profits are booming revenues increase by 16.3 per cent to £127.2 million in the six months ending September 30th 2011, driven by the recession, while the UK Governemnt accept the abuse of the poor from the short-term credit industry.



They can afford it but they pay less than half the price the poor pay, but thats the way all politicians behave.

The_mangler

Im afraid public transport is not an option for my husband, so should he lose his motability eligibility we are completely stumped as to how to get to his appointments, many of which are 20+ miles away - we live very rurally. As you can see from my signature, I am in a debt management plan (largely due to uncontrolled illness amassing debts) so I am not at all sure what will happen to us. I am very grateful to Motability for giving us the option to not be housebound, but that doesnt mean I cannot comment on their pricing strategies ie. how prices can vary by many hundreds of pounds from one quarter to the next.

Ellejmorgan

sangio wrote: »

OK, then give us all an option, that in your opinion, will work!
At least I have tried to offer an answer. You come back with a negative opinion and no useful alternative.

Public transport is one I mentioned.

Maybe saving up out of their benefit money to buy a car for cash is another, but I do worry that they may not be able to afford to maintain it correctly and make sure that it is road legal.

What else is there then? And don't for FS say that the government should rethink all of the changes to the welfare awards.

They are just as likely to save up for a car and keep it legal as any other person would..

I'm on benefits, am disabled.. I pay my insurance outright and my car is put through it's mot before it's due and is very much road legal...