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I’ve been in this industry for over 30 years and it worries me greatly the levels of incompetence displayed by those at the sharp end. I don’t blame the sales staff, it often stems from the top. Directors and senior management struggle with basic product knowledge that spreads like a cancer throughout the organisation.

Whether it’s an independent dealership, dealer group, bank owned finance company, manufacturer-owned finance company or independent their basic knowledge is abysmal. Unfortunately, this attitude spreads throughout the organisation which means that customers are incredibly poorly informed and likely to make wrong financing decisions or the right decision but unaware of all the implications and the potential true costs.

I broke the story over 2 years ago that the PPI claims industry was eying up the car finance industry and the new regulations that were being introduced by the relatively new FCA. They were getting a sniff that all was not well inside the industry and there was potential for mis-selling claims.

If you think of what happened when a PPI claim was successful, people were having all their premiums returned. Could this mean that customers could have all their payments returned and the car given back as a result of being given bad information by an ill-informed or crooked salesman? The first test cases will give us an idea.

In the meantime, I see false reporting in the press and idiots masquerading as experts giving poor advice to consumers. There is little doubt that I am rapidly becoming the most influential person in the UK when it comes to vehicle finance. My appointment as non-executive director of one of the most progressive PR companies in the UK will help this along. Especially as the company chairman is as gung-ho as I am and supports me.

To illustrate my point I’m not going to mention names in order to avoid any unnecessary legal challenges but the Chief Operating Officer of one of this country’s largest dealership groups wrote a pile of nonsense in response to a poorly written piece in the Times. He, first of all, criticised the paper for the warning about potential problems with the claims industry. Defending the indefensible!

He then rants on about the difference between PCP and Personal Contract Hire (PCH) making a big issue about PCP not being a lease. This is fundamental. It is a form of HP agreement and HP agreements are leases – idiot. Any finance other than a loan is a form of lease. If someone else owns the goods whilst you have the use of them – it’s a lease! That’s basic accounting something one would expect someone in his position to know.

With HP or a PCP you only own the goods when you have paid all the money owed plus an option to purchase fee. If you want to read my views of the industry and reveal masses of PCP secrets go to Grahamhilltraining.com and register to download my PCP report. I’m explaining just about everything once and for all. Next on my target list is PCH. By Graham Hill

This week we saw the Government announcing some new initiatives to enable them to get to their 2040 target of no more petrol or diesel cars on our roads. Whilst they are trying to make the right noises in truth I don’t think they give a damn. Or maybe I’ve got it wrong.

A few years ago in an attempt to get us into diesel cars, we saw scrappage schemes that took us out of old chuggers and put us into new or newer cars but incentives to get us into electric cars seem to have missed the mark. Electric cars are so much more expensive than their equivalent petrol or diesel car to manufacture that even with the subsidies applied the cars they are still too expensive.

They are cheap enough to run at the moment if you charge from home but given the fact that most cars aren’t achieving their range and the cost of charging at public and filling station charge points is now incredibly high it costs less per mile in fuel to run a petrol or diesel car than an electric car.

I’m sure that it’s for these reasons that just 7,441 electric cars were registered in the first 6 months of this year which was fewer than the same period in 2017. So it seems that the Government stance has changed to push Ultra Low Emission Vehicles (ULEV). These are ‘vehicles with pure-electric engines, plug-in hybrid engines or cars with CO2 emissions lower than 75g/km at the tailpipe’.

Another interpretation comes from the Society of Motor Manufacturers and Traders’ (SMMT) who say that they ULEV’s are ‘vehicles using low-carbon technologies; emitting less than 74g of CO2 from the tailpipe; capable of operating in zero tailpipe emission mode for a minimum of 10 miles’.

It is all very confusing. To make matters worse the Government has announced that it will now settle for ‘at least 50%’ of new cars being ultra-low emissions by 2030. But as Mike Rutherford of Auto Express points out, surely this leaves the door open for the other 50% to be medium or high emissions vehicles?

As for the 2040 ban on petrol and diesel, that is looking decidedly dodgy as the biggest growth area is in the petrol hybrid cars and with no petrol the hybrids won’t work. So is that target in the toilet?

In their plans the Government has made a promise to ensure that all new homes will have an electric charge point fitted. Hmm, how does that work with flats that have fewer parking spaces than flats in the building? In fact I’m told that some new city flats are built with no parking at all. As Mr Rutherford suggests, possible on-balcony parking or maybe in the hanging baskets – we get the message. Clearly, the Government doesn’t.

Finally, in their disinterested way, they’ve said that all new street lights will have charging points fitted. They clearly haven’t so much as looked outside their windows or driven around their local town or city to notice two things. Firstly that most lighted areas are the most dangerous, on double yellow lines, pedestrian areas, dangerous bends etc.

A glance out of my window shows that all the new energy efficient lamps that were installed a couple of years ago emerge from the pavement on the opposite side to the road. This will mean that when charging a cable will lay across the pavement.

I think the Government should start to get serious or pass over planning for electrification to an organisation like the AA or RAC to get to grips with the problem. By Graham Hill

Highways England has announced that it is falling into line with the EU proposition to digitise the road networks thus setting a single standard of road networks that would stretch from the UK across the rest of Europe. Through sensors and wireless tech the network will be able to communicate and interact with individual cars.

Informing drivers of traffic delays ahead, temperature, road surface conditions and will even be able to inform and direct emergency services to accidents. According to Auto Express here are a few of the things planned:

1. Road sensors installed in studs or railings to convey messages to cars and help steer autonomous vehicles in future.
2. Big Data will help to predict traffic movements, prevent congestion from building up and warn drivers in individual cars to take another route. I thought that could be done already!
3. Potholes could be detected at once as the road would be able to report damage. Currently, patrols go out every few weeks to check for damage.
4. Sensor Tech could make it possible for heavy goods vehicles to ‘Platoon’. This allows lorries to travel in tight formation with fewer drivers saving fuel.
5. Self-repairing roads are something else that Highways England is currently trialling. This would reduce roadworks and costs.
6. Road charging would be possible with connected roads. This has already been suggested as a replacement for the road fund licence.

Sounds quite amazing! By Graham Hill

With so many drivers switching from diesel to petrol, often after many years of driving a diesel car, the AA is reporting an increase in misfuelling callouts. The majority of callouts are from company vehicle drivers, accounting for 59% with consumers accounting for 41%.

Not all were for petrol cars being topped up with diesel, many were the other way round but the majority was a result of changes in company car policy or attitude of consumers towards diesel vehicles. I must say that after many years of topping my car up at the local Tesco filling station and automatically knowing that the diesel pump was the one on the far right.

In their wisdom they decided to change the pumps for new ones with the new pumps having the diesel nozzle on the far left. I didn’t do it myself but it caused many drivers to top up from the wrong pump through not paying attention. The AA offers a fuel assist programme for just this purpose, probably not a bad thing to take, especially if you are moving from one fuel to another.

The AA put down the mistake to drivers being pre-occupied, driving an unfamiliar car or visiting an unfamiliar filling station. So if you are about to change from one fuel to another make sure you don’t misfuel, if you do don’t start your car and lastly don’t even move it as this can cause all sorts of problems. By Graham Hill

According to What Car from 2021 self-drive cars without a driver at the wheel will be allowed on roads in the UK. Is this Government nuts? Don’t answer that! That is 3 years away!

Just after reading reports that self-drive cars still need an alert driver at the wheel ready to take over the controls in an emergency or if the car suffers a fault, we now hear that the self-drive cars will not only be allowed on our roads whilst the driver reads the paper, he can actually be indoors watching the TV. Crazy!

The move will apparently be achieved by removing the current legal constraints and overhauling insurance policies. I think slightly more important than that is to actually guarantee that people won’t get run over by a driverless car and killed before sorting out insurance policies.

In the US, Google’s self-drive technology firm Waymo, recently announced a driverless taxi service in Phoenix, Arizona. The cars will be completely driverless and if I’m anything to go by passengerless as well! I struggle getting on the driverless train between the two terminals at Gatwick Airport.

It travels on tracks with computers that stop the train automatically whilst travelling at its fastest at walking pace. Someone needs to tell the Government what to do with driverless cars – I think I just did! By Graham Hill

Finally, after banging the drum for the last two years, Transport Secretary Chris Grayling has agreed with my views that diesel still has a part to play, especially when the Bosche system starts to find its way into new car production. By 2020 when the Bosche system is fully rolled out across all manufacturers the NOx emissions will be a tenth of that required when Euro 7 rules are introduced making diesel cars more environmentally friendly than petrol.

In the meantime,, Nissan hasn’t helped by being caught out doing something similar to VW and falsifying emissions tests in Japan. That aside Chris Grayling supported diesels by saying, ‘If you’re driving long distances and are out and about on the road for work, diesel is a perfectly sensible option.’

The Government is aiming for zero emissions by 2040 but as Grayling pointed out this has to be industry and consumer-led and technology neutral – no I haven’t got a clue either but that’s what he said. But he went on to say, ‘Diesels can still play a valuable role in reducing CO2 emissions during that transition period to a low-emission future.’

However, Grayling told the SMMT that diesel engines need to continue getting cleaner. The response from the SMMT was to question whether his views would translate into positive changes to the tax regime. The Government promised to remove the 3% diesel company car supplement from April 2016.

However, not only was that decision reversed in the wake of the VW emissions scandal it was increased to 4% from April 2018. Of course, if I was being cynical I would say that the UK Government along with Germany and France have allowed false information to circulate in order to penalise drivers of diesel cars.

However, this attempt at crucifying diesel drivers will end up biting them on the rear end because diesel car sales have dropped through the floorboards leaving them with far fewer drivers to rob. Time will tell how this argument pans out but I’m pleased that the Government has come out positively. By Graham Hill

The RAC Foundation is to receive funding from the Department for Transport (DfT) to look into the ways that accidents, resulting in fatalities and injuries, are investigated in order to find out the genuine cause and how the accidents may be prevented in the future.

£480,000 is being invested in the project allowing the Foundation to recruit the services of specialists and use sophisticated data analytics to come to more accurate conclusions. For example, speed may result in an accident but why was the driver speeding?

Was there a distraction, a fault with the car or simply trying to meet unrealistic appointment or delivery targets set by an employer? Beyond individual cases, the data will be used to identify patterns relating to the make and model of car, the driver, temperature, time of day, road conditions, number of passengers etc.

By analysing the accidents in a totally different way to the police, who are looking to apportion blame, they are hoping to have a positive effect on the number of accidents and the outcomes. Let me be clear, accidents resulting in death or injury are down massively.

In 2016 the number of deaths was 1,792, up 4% over 2015 but compared to 10 years earlier the death rate is down 44%. However, the rates are starting to flatline so new ideas have to be developed if we are to bring them down further. The RAC Foundation believe they will be having a positive effect very soon.

They are introducing some of the techniques that accident investigation teams use when working for Maritime, Air and Rail organisations when trying to find the cause of a crash. By having an independent body it will take a lot out of time spent by the police investigating accidents leaving them to get on with other duties. By Graham Hill

Knowing the best products to use on your car can be a bit daunting. Ask the advice of a shop assistant and you have to ask if he or she is giving you best advice or is he simply looking at the commission he can make or the product with the most profit in for the shop?

Well, I’ve got the answer thanks to Auto Express who evaluated 236 products and came up with the best. To help you I’ve shown them below:

So there you have it, the results of tests carried out by Auto Express.

Fleet News highlighted the problems faced by most of us in the industry this week as manufacturers try to resolve the problems they face attempting to get their cars through the WLTP (Worldwide harmonised Light vehicle Test Procedure). As cars are tested and fail the more stringent tests they are removed from the manufacturers’ price lists whilst they work on a ‘fix’.

They fix the problem, test it themselves, feel that the car is OK and back on the list they go ready for the next test. The car then fails again because the manufacturers haven’t been able to totally replicate the test conditions imposed on their cars at the test centres. So the car is removed from the price list again.

This means that some manufacturers have stopped taking orders and stopped production of some of their models altogether. Orders can’t be placed as the manufacturers can’t say when their cars will be approved and without knowing the cost of the modifications necessary to get them over the line they can’t set the list price.

Without the cost, they can’t calculate the new list price. Without the list price the leasing companies can’t release their rates – it’s a mess! As a result of all the confusion, one leasing company has decided to take all cars off their lease quoting system unless they have been WLTP approved. One of the reasons for this is the confusion caused over interim arrangements put in place to calculate benefit in kind tax for those driving company cars.

The rules tighten further from the 1^st September which means that if cars have not been approved under the WLTP rules they cannot be sold. This will, in theory, lead to a lot of cars being pre-registered in August at big discounts unless, like the rest of Europe, our Government allows an extension. This has led to uncertainty amongst those waiting to take out a new lease expecting some mega-deals in August.

This situation could well lead to some brilliant lease deals – but it may not. It’s a gamble that I won’t advise on when asked if customers should wait. What with the uncertainties of Brexit life is tough at the moment in the car industry and confusing for customers. By Graham Hill

It is now getting ridiculous. How long are we going to allow local Government to demonise diesel and force drivers to pay unfair penalties for driving cars that just a couple of years ago the Government was encouraging consumers and businesses to drive?

There is now little to choose between diesel and petrol cars when it comes to environmental damage. Last year saw CO2 output from cars rise for the first time since records began and for the first time in years we saw warnings issued about the damage that petrol cars could be causing to the Ozone layer as a result of increased CO2.

And with some particulate filters believed to allow zero soot emissions from the exhaust of diesel cars it seems ridiculous to demonise the cars and punish the drivers the way that local authorities do. London councils are leading the way when it comes to hating diesel cars (or loving them in terms of increased income).

Charging extra for older (pre-2005) cars to enter the central London congestion charge area may seem to make a little bit of sense but some boroughs charge premiums for parking permits for diesels irrespective of their age.

Merton charges an annual surcharge of £115 for all diesel cars, Islington is £99.65 and Hackney is £50. Kensington and Chelsea and Lambeth charge £43 and £40 respectively for pre-Euro 6 diesels. Camden and Barnet charge a surcharge on all diesels.

The problem is that this unjustified surcharge could well spread across the rest of the UK as local authorities see the opportunity to rip off diesel drivers and add to their income.  By Graham Hill