Urgent help needed with ARNOLD CLARK - horrendous company!

brendenconnolly

There is no mobility car. There has never been any mobility car. And I don't see what that has to do with anything, I asked for advice on the situation, not an accusation of using mobility cars for disabled people and then moaning about Arnold Clark.

It was physical credit checks they done - we can see them all on the credit files.

That wasn't the main point though. The main point was that they never properly explained the finance product they sold in the first place, and that is what has led to the problems.

brendenconnolly

spacey2012 wrote: »

Who is driving Mother In laws Mobility car ?

I don't understand why you would ask this?? The Mother In Law doesn't have a mobility car. She receives Attendance Allowance. My Mum has always had her car, and doesn't feel the need to make her Mother In Law use her money to provide a car for her partial use. In any case, it's not relevant to the post, is it?

spacey2012

Nobody is accusing you, just pointing out if she has these serious mobility problems, she would be entitled to DLA with mobility allowance and as her carer she would be the one who keeps the car.
This is a money saving forum, if you want to take um-bridge and turn down a free car then good luck getting finance and paying for one when she can have a free one.

We can only lead the horse to water, we can never make it drink.

How she uses the mobility car is nobody on here's business.

If you feel, this is not relevant then why introduce it to the thread ?

Another point, you will always catch more flies with honey than vinegar on here.

fivetide

spacey2012 wrote: »

Nobody is accusing you, just pointing out if she has these serious mobility problems, she would be entitled to DLA with mobility allowance and as her carer she would be the one who keeps the car.
This is a money saving forum, if you want to take um-bridge and turn down a free car then good luck getting finance and paying for one when she can have a free one.

We can only lead the horse to water, we can never make it drink.

How she uses the mobility car is nobody on here's business.

No you are encouraging someone to be fraudulent. That's less MSE than HMP!

If you feel, this is not relevant then why introduce it to the thread ?

The OP didn't! You did!!!!

brendenconnolly

spacey2012 wrote: »

Nobody is accusing you, just pointing out if she has these serious mobility problems, she would be entitled to DLA with mobility allowance and as her carer she would be the one who keeps the car.
This is a money saving forum, if you want to take um-bridge and turn down a free car then good luck getting finance and paying for one when she can have a free one.

We can only lead the horse to water, we can never make it drink.

How she uses the mobility car is nobody on here's business.

If you feel, this is not relevant then why introduce it to the thread ?

Another point, you will always catch more flies with honey than vinegar on here.

My apologies - I have misunderstood you. I have been quite stressed by the events of the last few days, because my Mum has ended up quite upset about things and I haven't been able to find the answers - I didn't mean to sound sharp, and I hope you can accept my apology.

I suppose a mobility car could be sorted out, if that was the only way - I will probably just end up getting her finance in my name, but I'm not in a position to take on more commitment until January.

She has rented a car now until 10th December, at a cost of £350.

The main gripe I have is why the finance terms and reproposal were not properly explained at the time, and whether they are allowed to do all these other credit checks without permission.

It's easy to get carried away when writing about things that have an adverse effect on our lives. I am grateful to all contributors here for comments and advice.

colino

You may well find that the finance proposal form you (the salesman) completed allows the trader (in this case AC) to find finance for you, acting as a broker. In most cases this is a single hit for the best provider, but may run up several contacts to find a suitable deal, especially if there is a change of circumstances involved. Have you tried getting funding direct?

brendenconnolly

colino wrote: »

You may well find that the finance proposal form you (the salesman) completed allows the trader (in this case AC) to find finance for you, acting as a broker. In most cases this is a single hit for the best provider, but may run up several contacts to find a suitable deal, especially if there is a change of circumstances involved. Have you tried getting funding direct?

They never asked anything to be signed, until the finance was approved by Santander, at which time all the finance documents were signed, accepted and the deal was done. Once they reproposed, almost 4 months later, and Santander declined, they then ran the application through 5 lenders in a 3 hour period, without further reference to anyone. She hadn't asked for "Finance at any cost", she accepted the deal offered by Santander, each additional lender they tried to obtain financing from had different terms and interest rates, and varying policies relating to term etc, none of that was discussed.

She is looking at other funding options as we speak, but there is no doubt her position has been weakened by this, although we can't find any reason why Santander have now declined, I can only imagine their lending criteria has changed in the last few months.

spacey2012

fivetide wrote: »

No you are encouraging someone to be fraudulent. That's less MSE than HMP!

No, YOU are attempting to put YOUR words in to someone else posts.
That is not going to win any arguments, it goes with shouting racists or tin foil hat.

If the OP is a carer for someone with mobility problems on DLA then they can apply for a mobility car to care for the needs of that person.
If you have a problem with it, contact your MP.
Some people are disabled, no doubt they are very sorry they are disabled but they are and I am quite sure they will swap you the disability benefits for your health.;)

spacey2012

OP : explore the realms of obtaining a mobility vehicle it can be a very quick experience, as for this situation without sight of what the contract states in regards to credit checks it is an awkward situation, however you may need to see if it ties to any delivery costs as finance has been declined and they have a car sat waiting collection , so a good read may be in order.
As for the bank mentioned, they are famous for it.
Could you not try a bank loan ? or even if your bank has finance deals, many do have of-spins that do car finance, it does not have to be tied to the dealer and is often much lower interest than the dealers own versions.

brendenconnolly

It's possible that the Early termination Agreement with her current finance company to hand the car back has had an adverse affect on the credit score, I'm told - however, had AC been doing their job properly, and made sure the finance agreement was up to date, and had been keeping us informed throughout, then we would not had terminated the agreement before the finance had been reproposed to Santander. The fact remains that AC know full well that the finance needs to be renewed after 3 months if the vehicle is not delivered. They know this in every case because they deal with finance companies daily. Yet, when they sell the product, they choose to say nothing about it, allow people to make their arrangements based on a signed and sealed deal, and then because of their deceitful ways, and their inappropriate approach to selling finance, people are left in unfortunate situations because they have taken the word of a so called professional, who works in the trade and has told them everything is confirmed.