Where have all the Motability Cars gone?

portly1

only_mee wrote: »

Why not finance a car and use the mobility side of it to use for the repayments, it's what i did.Motability will loan you the money against your benefit, but there is criteria involved in age/miles i believe.

Yep. No more than 45,000 miles on the clock when you buy it and the loan period plus the age of the car cannot exceed 7 years.

In addition you are limited to loans of approx. £7200 for a 3 year loan, £9400 for a 4 year loan and £11200 for a 5 year loan.

ie car 3 year old, over a 4 year loan period must have covered less than 45,000 miles and be for a max of approx. £9400. The same car but over a 3 year loan period cannot exceed approx. £7200.

The interest rate that Motability charge is close to 10% which is way above what you can get elsewhere.

pstuart

Might be useful for some as I was told there were no credit checks.

portly1

pstuart wrote: »

Might be useful for some as I was told there were no credit checks.

All depends if you are willing to accept their rate of interest.

A point of warning though if the DLA/PIP award ceases before the car loan is repaid to Motability they are within their rights to repossess it or demand that you settle the outstanding balance in full. Their terms and conditions are that you must at all times be awarded the relevant benefit.

If you have a 'dodgy' credit score - is it wise to take out more credit if you may have had problems paying credit off in the past?

icd

i pick up my new (2nd) motability car first week of october which is an audi q3 automatic (£2,000 payment) this was not advertised on the motability site but during a visit to an audi dealership i enquired about the q3 and they said it is available on the scheme but is being withdrawn from motability after only 4 weeks on the list as audi realised they can sell all stock as soon as they are made.maybe this is what other car companys are doing which will affect available stock.

pstuart

portly1 wrote: »

All depends if you are willing to accept their rate of interest.

A point of warning though if the DLA/PIP award ceases before the car loan is repaid to Motability they are within their rights to repossess it or demand that you settle the outstanding balance in full. Their terms and conditions are that you must at all times be awarded the relevant benefit.

If you have a 'dodgy' credit score - is it wise to take out more credit if you may have had problems paying credit off in the past?

You are starting to sound a bit 'Andy'.

CTcelt1988

pstuart wrote: »

You are starting to sound a bit 'Andy'.

I think it is, the giveaway was when he stated people are handing back their cars early, Andy always says this.

markmarkmark

pstuart wrote: »

You are starting to sound a bit 'Andy'.

You converted my thoughts to concrete reading the new posts today. Well done!

Tigsteroonie

ColinJ78 wrote: »

Unfortunately the model/trim level I currently have and would like to renew is not available on the scheme now, only an inferior trim level/engine with an advance deposit of only £1k. I would be happy to pay a £2k advance deposit (or even a bit more more) to get the vehicle I actually need. It has the little necessities (note necessities not luxuries) that work with the hand controls and accommodates my powerchair and associated hoist to give me the car I need.

Could you get the lower spec car through Motability and then negotiate with the dealer to pay directly for the additional spec (necessities) that ou particularly require?

For example, we went for lower spec S-Max earlier this year (Zetec rather than Titanium) but had privacy glass added by paying the dealer direct.

treborc

Richie-from-the-Boro wrote: »

There was a change announced in the selection criteria for cars in late 2010. The cars available were changed to be below an AP of £2,000. The limit will not apply to WAV. I see nothing wrong with that :

- plastic~pigs went out in '77, so they've been around for 33 years
- there are over a half million Motability MOTA's on the road
- the SVF has been around for 20 years to pay for bigger / adapted MOTA's
- most of the MOTA's they supply are 8 grand less than the UK average

The intention was to clamp down on those who want a premium MOTA costing 25 grand or more from Dec that year ;

- those with needs above 25 grand will still get their MOTA
- only accept nominated drivers who live within 5 miles of the customer
- a Statement of Responsibilities must be signed at the beginning of each lease by the customer
- no drivers under the age of 21 on the Scheme from January, unless they reside with the disabled customer
- and restrict drivers under 25 to cars in Group 16 or lower which also have a power output of 115 BHP or less

It all seems perfectly reasonable to me, I mean there's so much in the pot and always more need than money to supply that need. It seems to me that insurance costs for [nominated] people under 25 / cutting down on fiddlers / and reducing how the car may be used [ abuse detection has to be paid for out of the pot ]and by whom is perfectly sound as a policy from a disabled persons point of view.

Many people in this group have MOTS's of £30k or more and need them - they will still be taken care of FOC in the scheme :

- some nice people [STRIKE]braggards[/STRIKE] in this group have MOTA costing in excess of £35k happily tell me its for no other reason than they can
- I cautioned people in this group over two years ago this was on the cards for 2012, much as I also did last year for the not tightened up Blue Badges fraud issue

Many people have needs, the less that's wasted on avarice or fiddlers the more there is for the genuine needy .. .. and in times of rising costs I for one am pleased with the clampdowns on misuse - more for the needy, no one in this rich island we live in should want the disabled to return to the plastic~pig days.

Bit out dated my grandson is seventeen has just passed his test and is my named driver, I have agreed to pay the first £400 of any accident and my car cannot be over 1.6 litres

Also the 25 and living with you has been changed to within a mile and has now been updated on special cases.

Nice to be on the ball better if you check the up dated version.

treborc

portly1 wrote: »

Not on Motability they didn't! Unless it was a WAV.

They must have bought it off Motability and financed it privately over 3 years.

Many people that I know are getting out of Motability and buying there own cars instead.

With PIP on the horizon and with short term awards going to be the norm, Motability as it stands now is a dead duck in the water for most.

I could have one if I wanted, but why waste all that money on a car that in any likely event will end up being taken back after PIP goes nationwide. Mugs game now.

It used to be fantastic especially when lifetime/indefinite awards for DLA were the norm for most. There was security in the knowledge that the car would always be available to use throughout the 3 years.

Is that right are you one of those who do not meet the criteria then or believe that somehow your not that disabled .

PIP's will clamp down on the people who may have had DLA because it was at the time seen as being hard/soft to get, PIP's is no different I was just awarded it 35 point and awarded the high rate or enhanced mobility all Military have been removed from the Pips.

So I doubt Motability is a dead duck.