Do you ever wonder why some friends, relations or work colleagues drive a better car than you? There is a very good reason – because they know more than you do! Want to know more than them? Then download my book and you could be one step better than them! You deserve to drive a great car. By Graham Hill

Dealerships and garages are still failing which means that whether you are buying new or used from a dealer you need to use the credit card technique that I recently explained in order to protect yourself between paying for a car and taking delivery. According to Experian 35 garages and related businesses failed in July this year compared to 50 last year. So whilst it is an improvement it’s not worth taking the risk and don’t forget that using the credit card technique could help to increase your Read more »

Graham Hill’s in depth car review focuses on the new version of the Bug, or to give it the full name, VW Beetle. It’s one of those cars you either love or hate and, I have to say, I fall into the latter group. Like me, VW have found that the Bug appeals more to the ladies, so to try and balance things up they have made it look more butch(ish). To me it still looks like a Bug with about as much appeal as a breadstick. But what do I know, I’m sure this car of the people will have certain women and an Read more »

I have mixed views over my next piece. You see over the years I have recommended to clients that they make use of the law wherever they can to save money. One area that I have heavily promoted is covered by sections 99 and 100 of the Consumer Credit Act, better known as Voluntary Termination, whereby once you have paid half the total cost of the finance, you can simply hand the car back to the HP provider and they have to stand any loss between what would normally be required to Read more »

Andrew Sentance may not be a name that you have come across before but he is very important in our lives. He sits on the Monetary Policy Committee in the Bank of England. They sit each month and decide whether base rate should stay the same, at 0.5% or increase. Since the rate dropped to 0.5% every member of the committee has voted to keep it at the same level, that is until the October meeting at which Mr Read more »

The motor finance industry was to see a potential new broker association being formed that would concentrate on providing benefits to consumers and small business  operating predominantly in the retail sector. The NACFB (National Association of Commercial Finance Brokers) offered their support to any such initiative but when this came to my notice, as an ex director and president of the association, I saw a huge potential for the association and immediately got to work with the chief Read more »

I have issued another general warning about the lack of money available to lend and the subsequent repercussions. I have had many people writing to me explaining that they had strong credit but have been declined for loans on several occasions and are now being told that they have dropped into the sub-prime category, which means they will pay high rates of interest if they are able to secure finance at all. The reason for this is the fact that whilst there are still lenders willing to offer low rates Read more »

One of the constant questions I get asked is if the bank rate is at 0.5% why are personal loans running at around 8% – 10% and HP can be much more than that? Well unless you are a banker or you have a tracker mortgage the bank rate is pretty meaningless and this has always been the case when interest rates have been running at a pretty low level. The fact is that the interest a lender charges is his income. He might have a few fees that bolster up his admin costs but he still has his overhead costs to Read more »

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