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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 »

I loved the story about those responsible for vehicle fleets attending the recent Fleet Van conference. These people are all responsible for making sure that drivers act lawfully and adhere to all areas of vehicle, driver and employee legislation. But whilst they were listening to the speakers, ATS Euromaster had nipped out to the car park with their tread gauges and checked all the vehicles. The attendees were then confronted by the fact that 9% of the vehicles were given Red Tyre warnings. This Read more »

Oh dear, oh dear oh dear! When are people going to start treating car finance as a specialist product and one that must be very carefully considered before taking it out rather than a tin of beans that they can tout around online to see whether Tesco have them on offer this week or are they cheaper at Asda? There are three major comparisons to be made when deciding upon the finance that you are going to take out. Read more »

The Department for Transport has revealed the top ten reasons why people crash. The top reason was failure to look, accounting for more than a third of  all smashes. Failing to look properly was the reason for 38% of crashes but this differed in regions with this reason being cited in London for 57% of smashes but in the Midlands this dropped to 32%. Failing to judge other motorists speed was next followed by careless Read more »

If you are illegally using a disabled badge when you pop into town in order to park closer to the shops, beware, as local authorities take a stronger stand. Research in Leeds and Newcastle found that the illegal use of the blue badges was now out of control. Research found that 60% of disabled badges used in Leeds were illegal and more than half of the badges in use in Newcastle were similarly illegal. Around Read more »

Years ago car number plates were screwed to the body work by two or even four screws making it a bugger of a job to remove a plate but these days even prestigious cars have their number plates fixed on with a couple of strips of double sided tape. It was hardly surprising then to see a warning from the Retail Motor Industry Federation about theft of number plates. Thefts have doubled over the last 3 years with the Read more »

Whilst all fatalities on UK roads dropped last year the figures are still too high. 2,222 people died on the roads of Britain last year, down 12% on 2008. Car occupant deaths fell 16%, pedestrians 13%, cyclists 10% and motorcyclists 4%. Whilst speed awareness courses are often not taken seriously by drivers who have been caught speeding and prefer to attend a course rather than suffer a conviction, the courses have been known to improve drivers’ attitudes towards speeding. This is particularly Read more »

Kwik-Fit are to carry out some major training programmes of staff following a recent BBC Watchdog report. They have said they are going to invest a further £1 million in training as a direct result of the allegations made by the BBC. They are to also increase their mystery shopper programme in an effort to identify and stop overselling by staff. The company is said to operate a zero tolerance policy in cases where Read more »

Buying a used car from a dealer? Then you should be more aware of your rights according to the Office of Fair Trading, who have reported that the number of complaints against dealers, for faults that have come to light within the first 3 months, has increased by 18% during the first half of 2010. The Office of Fair Trading Direct received over 38,000 complaints and, as Michele Shambrook of the OFT pointed out, ‘Most of the faults that come to light are the dealer’s responsibility.’ Had a bad used car experience when purchased from a car dealer, please let me know? By Graham Hill

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• Second-hand car complaints soar (bbc.co.uk)

Now here’s something you probably didn’t know about. We all know that if we are convicted of speeding and receive the automatic points on your licence you must declare that to your insurer immediately and suffer the increase in premium. Some insurers don’t increase the premium if it’s your first speeding fine but others do so check with your insurer. But here’s the thing, what happens if you are caught speeding, but as an alternative to a fine and points on your licence, you are given the Read more »