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  • FIRST POST
    • gemmaking
    • By gemmaking 10th Feb 13, 5:55 PM
    • 414Posts
    • 22Thanks
    gemmaking
    Motability 3 years Lease, After 3 years can you purchase the car? What price ?
    • #1
    • 10th Feb 13, 5:55 PM
    Motability 3 years Lease, After 3 years can you purchase the car? What price ? 10th Feb 13 at 5:55 PM
    My aunt is on dla, higher mobility.

    and giving up the higher rate DLA, mobility component, and getting a motability car..

    After the 3 year lease for a motability car (Mercades)

    what are the options after this?
    -They AUTOMATICALLY put you back onto the higher rate monbility ? (the DWP that is)

    -you can buy the car, and continue to drive it? - if so what is the price ?

    -any other options ?
    Last edited by gemmaking; 10-02-2013 at 6:14 PM.
Page 1
    • rogerblack
    • By rogerblack 10th Feb 13, 6:08 PM
    • 9,273 Posts
    • 9,438 Thanks
    rogerblack
    • #2
    • 10th Feb 13, 6:08 PM
    • #2
    • 10th Feb 13, 6:08 PM
    Once the lease is over, you can purchase the car.
    However, the vehicles are as I understand it sold at auction, so you may not get a good price. You do not get preferential pricing.

    You can start to receive your HRM payments again.
    You can lease a new car.
  • pauliboo
    • #3
    • 10th Feb 13, 6:13 PM
    • #3
    • 10th Feb 13, 6:13 PM
    When you get to 3 months before your lease is due to end you will get a letter from Motability explaining your options, and as Rogerblack has stated they are:
    1. Give the car back and receive the HRM payment back into your account
    2. Find a new car on the scheme and order it, swap the cars over when the new one is ready.
    3. Ask Motability for a price for your car - and then purchase it either using their HP scheme or from private funds.
    Unite Disability Champion & Equality Rep
    • CTcelt1988
    • By CTcelt1988 10th Feb 13, 6:36 PM
    • 253 Posts
    • 283 Thanks
    CTcelt1988
    • #4
    • 10th Feb 13, 6:36 PM
    • #4
    • 10th Feb 13, 6:36 PM
    When you get to 3 months before your lease is due to end you will get a letter from Motability explaining your options, and as Rogerblack has stated they are:
    1. Give the car back and receive the HRM payment back into your account
    2. Find a new car on the scheme and order it, swap the cars over when the new one is ready.
    3. Ask Motability for a price for your car - and then purchase it either using their HP scheme or from private funds.
    Originally posted by pauliboo
    I thought you had to buy car outright in one go from Motability if you wanted to keep the car, wasn't aware you could use the HP scheme to buy it from them.
    • gemmaking
    • By gemmaking 10th Feb 13, 8:45 PM
    • 414 Posts
    • 22 Thanks
    gemmaking
    • #5
    • 10th Feb 13, 8:45 PM
    • #5
    • 10th Feb 13, 8:45 PM
    Once the lease is over, you can purchase the car.
    However, the vehicles are as I understand it sold at auction, so you may not get a good price. You do not get preferential pricing.

    You can start to receive your HRM payments again.
    You can lease a new car.
    Originally posted by rogerblack
    Can you continue the lease for the current car, that you have had for 3 years?

    so you have it for another 3 years after the first 3 years?
    • rogerblack
    • By rogerblack 10th Feb 13, 9:59 PM
    • 9,273 Posts
    • 9,438 Thanks
    rogerblack
    • #6
    • 10th Feb 13, 9:59 PM
    • #6
    • 10th Feb 13, 9:59 PM
    Can you continue the lease for the current car, that you have had for 3 years?

    so you have it for another 3 years after the first 3 years?
    Originally posted by gemmaking
    I don't believe this is an option - as I understand it, at one time there used to be a scheme that would allow this.
    It's my understanding that the HP scheme mentioned above has ended.
    • pstuart
    • By pstuart 10th Feb 13, 10:34 PM
    • 649 Posts
    • 395 Thanks
    pstuart
    • #7
    • 10th Feb 13, 10:34 PM
    • #7
    • 10th Feb 13, 10:34 PM
    If you have done less than 15k in the 3 years you can extend the lease for up to a further 2 years, if you have certain adaptations ( hoists, swivels seats etc,) again you can ask them for a further 2 years. Five years max.

    They still take your full allowance from you but you may get an enhanced 'good condition bonus'.
    • Richie-from-the-Boro
    • By Richie-from-the-Boro 10th Feb 13, 11:14 PM
    • 6,539 Posts
    • 4,887 Thanks
    Richie-from-the-Boro
    • #8
    • 10th Feb 13, 11:14 PM
    • #8
    • 10th Feb 13, 11:14 PM
    I too, like roger, thought the HP scheme finished in 2010, however this SN473 from November 2012 suggests "Motability members can either buy a car on hire purchase through the scheme; or lease a new vehicle" I previously understood they closed the trio of (1) Specialised Vehicles Fund, (2) car and (3)'power scooter' [Route2mobility] arm to Hire Purchase in 2010.

    My understanding at that time was Motability were simply not doing sufficient Hire Purchase Arrangements and the scheme fell [or was engineered] into [see archive] disuse. Additionally the impending introduction of PIP in April 13 meant those with HP agreements would create legislative difficulties [owned by the HP company - mid term en-block cessation of HRM funding] that would best be avoided.

    Here is the original 'Youreable' referred to by Pauliboo, you decide on HP. I have now revised my answer to the HP availability question to .. .. I don't know. Best way is ring Motability and ask - but be prepared for a fight.
    Disclaimer : Everything I write on this forum is my opinion. I try to be an even-handed poster and accept that you at times may not agree with these opinions or how I choose to express them, this is not my problem. The Disabled : If years cannot be added to their lives, at least life can be added to their years - Alf Morris - ℜ
  • kurgon
    • #9
    • 11th Feb 13, 7:10 AM
    • #9
    • 11th Feb 13, 7:10 AM
    My agreement finished in August and I only had one option (to by outright with a single payment) - there wsa no mention of HP.
  • pauliboo
    Hi, I'm Paul on Youreable.

    This post shows that the HP scheme is still alive and well - they just aren't advertising the fact.
    http://www.youreable.com/forums/showthread.php/3520-Just-bought-a-car-through-Motability-HP
    Unite Disability Champion & Equality Rep
    • gemmaking
    • By gemmaking 11th Feb 13, 9:35 AM
    • 414 Posts
    • 22 Thanks
    gemmaking
    My agreement finished in August and I only had one option (to by outright with a single payment) - there wsa no mention of HP.
    Originally posted by kurgon
    did you have the option to go Back on the Dla payment of mobility scheme? of the higher rate mobility
    • easy
    • By easy 11th Feb 13, 11:22 AM
    • 2,338 Posts
    • 2,750 Thanks
    easy
    Yes, if you are still eligible to receive DLA, then you can resume receiving your DLA payment.

    OP, Your aunt was never removed from her DLA payment, it was simply that her payment was diverted to Motability, rather than being paid directly to her.

    At the end of her agreement (I think 3 months before), she can ask for a price to purchase the vehicle. She can then buy it - either paying outright, or I believe she can ask about using her DLA payment to pay a motability hire-purchase agreement, or she could take out a loan from any other source to buy it. Another family member or friend could purchase the vehicle from Motability if they wanted it.

    At the end of my last contract my husband purchased the car. The price we were quoted by Motability was very fair we felt. OK it wasn't rock bottom, but given that we had known the car from new, it had been main-dealer serviced from new, we knew that it had been well treated, and it came with a years MOT and a year's warranty, a price of just under 6k for a three year-old 1.6 auto estate with 17k on the clock seemed like a good deal.
    I started a new contract on another car, when we get to the end of this one we might do the same again.
    I try not to get too stressed out on the forum. I won't argue, i'll just leave a thread if you don't like what I say.
    • gemmaking
    • By gemmaking 11th Feb 13, 12:02 PM
    • 414 Posts
    • 22 Thanks
    gemmaking
    Yes, if you are still eligible to receive DLA, then you can resume receiving your DLA payment.

    OP, Your aunt was never removed from her DLA payment, it was simply that her payment was diverted to Motability, rather than being paid directly to her.

    At the end of her agreement (I think 3 months before), she can ask for a price to purchase the vehicle. She can then buy it - either paying outright, or I believe she can ask about using her DLA payment to pay a motability hire-purchase agreement, or she could take out a loan from any other source to buy it. Another family member or friend could purchase the vehicle from Motability if they wanted it.

    At the end of my last contract my husband purchased the car. The price we were quoted by Motability was very fair we felt. OK it wasn't rock bottom, but given that we had known the car from new, it had been main-dealer serviced from new, we knew that it had been well treated, and it came with a years MOT and a year's warranty, a price of just under 6k for a three year-old 1.6 auto estate with 17k on the clock seemed like a good deal.
    I started a new contract on another car, when we get to the end of this one we might do the same again.
    Originally posted by easy
    alternativly after the 3 years,

    can she get that money after the 3 years, paid Back to her bank account, as she was getting it?

    so she will get the Highter rate mobility back on track? for 1 more year

    and then after that year, choose another vehical (after she sees how it goes )
    • easy
    • By easy 11th Feb 13, 12:27 PM
    • 2,338 Posts
    • 2,750 Thanks
    easy
    yes, that is what my first paragraph said
    I try not to get too stressed out on the forum. I won't argue, i'll just leave a thread if you don't like what I say.
    • gemmaking
    • By gemmaking 11th Feb 13, 1:07 PM
    • 414 Posts
    • 22 Thanks
    gemmaking
    yes, that is what my first paragraph said
    Originally posted by easy
    oh yes, thanks
    • pstuart
    • By pstuart 11th Feb 13, 5:06 PM
    • 649 Posts
    • 395 Thanks
    pstuart
    Thanks Paul, this now sounds like a plan!
  • graceyb13
    Hire purchase and motability
    I got my car on hire purchase. They don't advertise it anymore but it can be done if you phone them up. The first girl told me they didn't do it anymore and then i phoned again and said that i was basically being forced into having a lease car that would never be mine and miraculously they put me through to the hire purchase department. The car has to be under 3 years old with less than 40,000 miles on it. The hire purchase can be over 3,4,or 5 years and my apr was 8.9% i think. They tried their best to get me to go for a lease but i was adamant as i knew what car i wanted and needed for my daughter. So yeah it can be done, you just need to get past the person on the phone who probably doesn't even know it exists
  • joseyjo25
    hi my daughter has been awarded full mobility iv gone through every chanel to find out if she can buy a used car useing her allowance rather than lease so it becomes her own iv been told this stoped last year .i see gracey 13above seems to have managed to do this can you tell me if this was resent and who i contact to find out if this is possible and is a credit check
  • Starlightz21
    HP from motab
    I called them and asked this question as I wanted to take the HP option rather then the lease option and was told NO! That they stopped it, that was just a couple weeks ago so if anyone knows any different I would like info please.

    Thanks
    • missile
    • By missile 16th Dec 14, 8:58 PM
    • 10,345 Posts
    • 5,351 Thanks
    missile
    hi my daughter has been awarded full mobility iv gone through every chanel to find out if she can buy a used car useing her allowance rather than lease so it becomes her own iv been told this stoped last year .i see gracey 13above seems to have managed to do this can you tell me if this was resent and who i contact to find out if this is possible and is a credit check
    Originally posted by joseyjo25
    If you want a used car .... Why not buy a used car on HP / PCP from a dealer and use the DLA to pay the monthly premium?


    Obvious disadvantages would be a second hand car may not be as reliable as a new motor and you are responsible for maintenance, insurance et al
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
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