Motability question

DX2

easy wrote: »

If you are no longer eligible to receive HRM, it makes commercial sense for them to offer you the option of continuing the lease. Otherwise they will lose money on ending the lease early.

The dealer will ask you if you want to buy the car and it is down to you to get finance for it, if you can't do this the car goes to auction.

Edit to add: What do you think happens to the car when the person on DLA dies, ending the lease early.

jetta_wales

redbu wrote: »

In which case, should that not be reason enough for everybody and anybody to put in for DLA - HRM?

New car day 1 Value £15000
Car value at day 365 £8000

Use the car for the first 12 months free of charge then buy it at a knock down price after a year. In my example a saving of £7000!!!

Everybody should be able to do that! What has disability got to do with it? There are families on very low income that would love the chance of a scheme like that.

I thought we were all misfits and that you were leaving this section because of that?

pompeyfaith

In which case, should that not be reason enough for everybody and anybody to put in for DLA - HRM?

But you do not put in for HRM as you state, you fill in the mammoth dla form which is a hard task to start with and then wait for a decision which is not always the one you were hoping for.

You make it sound so easy which it is not, and is the hardest form out of all dwp forms to fill in.

moose1982

With regards to the car tax issue, that is not a Motability-only exemption. Anyone can apply for a vehicle to be classed as for disabled use and therefore free car tax. I had that info sent to me at some point, it may have been after I was given a driving licence needing various adaptions.

Regarding the '£15k at day 1 and £8k at day 365', I know the figures were plucked out of the air to demonstrate a point, but the gap is actually nowhere near that. I have a Ford Focus 1.6 Titanium Automatic, cost to Joe Public was about £22k but Motability paid £9740 for it (I have a copy of the invoice). Therefore if my DLA HRM did end or lower at the end of June (when mine is due for renewal, they couldn't ask for more than £9740 could they? I would hope not because I actually quite like the car and wouldn't be able to get out without it and so would happily get a loan to buy the car. Does anyone know if Motability still offer a low cost loan scheme for people wanting to buy their cars? I know they used to.

sueturnersmith

The low cost loan scheme from Motability has now finished, unfortunately.

tonycarew

DX2 wrote: »

As I said in post 10 if you are no longer eligible for HRM then the car goes back, if you want to buy the car the dealer will contact motability for a price then the dealer will sell you the car. Then you can either get a bank loan or finance elsewhere to pay for the car.

I don't think you have to necesarily buy the car via the dealer as your post implies,from the Motability web site :-

When you reach the last 14 weeks from the natural end of your lease (but not the last 8 days), we can provide you with a price to purchase your car. All you need to do then is make a note of the exact current mileage on the car and contact our [URL="javascript: ask_question( 'What is the contact number for Motability Operations Customer Services' , '' , '' , '');"]Customer Services[/URL] team.
You can make the payment to purchase your Motability car using the following methods:

Debit or credit card
Bankers draft or building society cheque
Personal cheque
Payment from a third party (if you don't have a bank account)

DX2

tonycarew wrote: »

I don't think you have to necesarily buy the car via the dealer as your post implies,from the Motability web site :-

Well I am only talking about the experience I have had when purchasing our motability car Might be different as we were only a year and a bit into our contract, not just 14 weeks left on the lease.

easy

Do people misunderstand ??

Of course you are not FORCED to buy the car if you have to end the lease early, nor to continue the lease. Many people would not be able to afford to do either.
If you wish to keep the car, then motability will give you a price at which you you can buy it. If you choose to buy, you will carry out the transaction via the dealer.

On the motability website, it says that you should contact them, and they will discuss each case individually.
I suspect - tho haven't tried it - that you may be able to pick up the lease, and pay it yourself up to it's end date, if you can't afford to buy outright. From the MSE point of view, it may be better value to get a loan for the purchase price, and buy (altho of course you will have to pay for service and insurance on top).

If you do not wish to do either, then Motability will send the car into one of it's auctions. Mine is due to go back at the end of it's lease in June, and DH is wondering whether to go to the next BCA motability auction, with a view to buying it - he assumes auction price will be less than motability's asking price.

DX2

easy wrote: »

Do people misunderstand ??

I suspect - tho haven't tried it - that you may be able to pick up the lease, and pay it yourself up to it's end date, if you can't afford to buy outright.

Seems you don't understand. You cannot pick up the lease and pay it yourself up to it's end date.

If the DWP or SPVA decide you are no longer eligible for the award, or if the allowance is not renewed in time and a new claim needs to be made, Motability Operations will organise collection of the vehicle.
If your allowance is stopped during the course of your agreement, Motability Operations will organise collection of the vehicle.

http://www.motability.co.uk/documents/PDFs/Mot%20Ops%20Publications/Contract%20Hire%20HandbookApril2011.pdf

sunnyone

easy wrote: »

I'm sorry, I don't believe you are correct.

Motability is a car leasing company, and operates as a business. They broker leasing deals with you as a customer, but simply have the additional authority to receive your payment directly from the DWP.
If you are no longer eligible to receive HRM, it makes commercial sense for them to offer you the option of continuing the lease. Otherwise they will lose money on ending the lease early.

There is nothing in the paperwork that states that the insurance policy is only applicable to DLA recipients. I'm sure the fleet insurance is offered to cover cars owned by motability Ltd, and used by the lessor. After all, a huge number of the cars are insured to be driven by a driver who is NOT a DLA recipient - on behalf of someone who is.

Road fund license may be the only difficulty, but purely as a slight administrative burden on motabilty. As far as I see it, they can apply for a standard tax disc for the vehicle, and pass the cost on to the lessor.

YOU CANNOT HAVE A MOTABILITY CAR IF YOU DONT GET HRM/WPMS UNLESS YOU ARE APPEALING THE REMOVAL OF HRM/WPMS AND ALREADY HAVE THE CAR IN YOU POSSESSION!!!!!!!!!!!!!!!!!!!!

Its a simple fact to take in, Motability is only for HRM/WPMS claimants and no one else, its exclusive to HRM/WPMS claimants, members of the public cant get a motability car, LRM claimants cant get a motability car and it has nothing to do with money saving motability being a leasing company, they are a leasing company but only for HRM/WPMS customers ONLY.

Chew the fat as much as you want, post your misinformation as much as you want but it wont change facts.