Motability: Leasing v buying...

atrixblue.-MFR-.

highrisklowreturn wrote: »

Yes my speciality is tax law, which supports motability, without support from the UK electorate. Why support fascism and attacking the will of the people who are the majority and who don't want welfare dictatorship forced upon them?:money:

your speciality is tax law? and you cant afford insurance on a 1.2 corsa for DUI. who you trying to fool? your self? or have you read too much of the times newpapers.

missile

harveybobbles wrote: »

She has bed credit rating to be honest. Plus with buying it she'd then be liable for repairs, insurance and maintenence.

Does she really need a NEW car?

I would suggest her cheapest option may be to look for a low mileage circa three year old (possibly ex mobility) car. Any decent car dealer will be able to arrange finance, even with poor financial record.

When I considered leasing, I thought it was cheaper for me to buy and pay as you go for repairs and maintenance.

Beware the small print. It can be very difficult / expensive to cancel some lease deals.:eek:

ariba10

Higher rate Mobility--- £51.40 per week = £2672.80 per year. = £8018.40 over three years.

After three years you have nothing.

Buying a car looks the better option to me.

devizes18193

ariba10 wrote: »

Higher rate Mobility--- £51.40 per week = £2672.80 per year. = £8018.40 over three years.

After three years you have nothing.

Buying a car looks the better option to me.

i would also buy . The reason being over the next 3 years the benefits system is supposed to be changing . Bearing in mind the current governments record could you be totally sure the they will leave motorbilty alone . Yes there's a chance the wont want to hack voters off but the rules already have been changed probably due to the Daily mail piece . We brought ours and have not regretted it .

devizes18193

harveybobbles wrote: »

You moaning cos someone who deserves to get around gets free insurance...?!

Think twice before drink driving then.

is the insurance not factored into the lease cost and therefore not Free .

emmell

As a Motor Trader Harveybobbles I would have thought you would have been able to sort your Aunty a decent used car, then she wouldn't have to use all her DLA on a car.
ML.

harveybobbles

emmell wrote: »

As a Motor Trader Harveybobbles I would have thought you would have been able to sort your Aunty a decent used car, then she wouldn't have to use all her DLA on a car.
ML.

Hi.

She has poor credit and wont get finance.
Leasing a car via Motability makes sense to me as there is only fuel to pay for.

fivetide

No offence buts what is actually up with her?

If she needs a car actually adapted then she can buy one VAT free from a dealer (or used to be able to).

5t.

atrixblue.-MFR-.

to be honest, havinf a motability lease isnt very MSE. her DLA HRM will most certainly come in handy each month. with motability the cars is looked over with a fine toothcombe at every service interval all scratches noted all dents noted and mileage noted, then at the end of the lease these have to be paid for before they re lease another vehicle.

DLA have awarded a "indefinate award" but all this means is that when DLA is restructured she'll have to go through a new claim process and re examination with the new criteria or re examined at any time, usually they send you a update form to fill in you send this back and hey presto you go through re examination its 50/50 whether they do or dont personally i think they hold a yearly raffle of names to re examine people.

i know it can be very tempting to go for mobility and loads of people genuinly need a vehicle from them, but if they have a vehicle already save the DLA HRM for a few months part ex the fezza and she'll own a car outright albeit not a new one but a better one than a fiesta and shell get a discount with insurers for being not working due to illness (disabled).

pstuart

The comment about 'all of the dents and scratches' have to be paid for before they re-lease another vehicle is a complete surprise - is this something new, have they stopped the £250 'good condition bonus' and the fair wear and tear clause, are they now run by Mercedes Leasing?

If you go over your lease mileage (3 years and 60,000 miles) then they will charge, but other than that please tell what you know and the rest of don't.