May Contract Hire Deals

Thursday, 26. May 2016

Volvo V40 T2 Petrol 122 5Dr Estate Manual
Business & Personal

 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                    Momentum                                 £179 + VAT per month

6+23                    R Design                                     £205 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Our Cheapest Car

Skoda Fabia 1.0MPi 60 S 5Dr Manual + Metallic Paint
0-62 7.9 seconds, Top Speed 144, Combined MPG 64.2 
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                               Man                                       £101 + VAT per month

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

Amazing Hybrid Deal!
Toyota Auris Business Edition Hybrid 5Dr Tourer Auto
AMAZING SPEC!!
Business Only 
Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                        Saloon                             £165 + VAT per month

For Business Only, Road Fund Licence Included For Contract Term. Other Mileages Available

NEW Lexus IS 300H Hybrid Sport 4Dr Saloon CVT Auto
Sat Nav, Folding Mirrors, Heated Seats, 18″ Alloys, + Tons of Extras
Business Only 
Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                        Saloon                             £259 + VAT per month

For Business Only, Road Fund Licence Included For Contract Term. Other Mileages Available

Volvo XC60 D4 190 Nav + Leather Manual
Business 
Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                    SE                                                £269 + VAT per month

6+35                    R Design                                     £289 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Mercedes GLA 200D AMG Line 5Dr Manual & Auto + Metallic – Cars In Stock

Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                      Manual                               £269 + VAT per month

6+23                      Auto                                   £279 + VAT per month

For Personal Add VAT To The Personal Rate, Road Fund Licence

For Personal Add VAT To The Personal Rate, Road Fund Licence Included For Year 1, You Pay For Year 2 & 3. Other Mileages Available.

Citroen DS Range Manual
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                    DS3 Chic Pure Tech 82               £145 + VAT per month

6+23                    DS4 HDi Elegance 120                £199 + VAT per month

6+23                    DS Crossback HDi 120                 £235 + VAT per month

6+23                    DS5 HDi Elegance 120                £259 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Nissan Qashqai 1.5DCi N-Connecta & Tekna 5Dr Manual inc Metallic – Limited Cars In Stock 

Please Note: The N-Connecta includes: 17″ Alloys, Around View Monitor, Touchscreen Nav, Bluetooth, USB, DAB Radio, Dual Zone Climate Control, Auto Lights & Wipers, Front Fog Lights, Normal Or Sport Steering, Cruise Control, Stop/Start, Electric Folding Mirrors, Full Colour Front & Rear Camera, Rear Privacy Glass, Ambient Lighting. 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                          N-Connecta                             £189 + VAT per month

6+35                          N-Connecta + Comfort Pack   £195 + VAT per month

6+35                          Tekna Panoramic Roof          £209 + VAT per month

Business Users – Call For Personal. Other Mileages Available – Please Call Or eMail For Colours Available

Volvo XC90 2.0D5 Power Pulse Momentum AWD 5Dr 7Seat Geartronic + Metallic (Factory Order For July Delivery)

Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                           £459 + VAT per month

For Personal Add VAT To The Personal Rate, Road Fund Licence Included For Year 1, You Pay For Year 2 & 3. Other Mileages Available.

Be the first with the amazing new, highly acclaimed 2017 E Class that looks like a slightly smaller S Class. Packed full of new technology it is seriously – THE BIZNESS!

Mercedes E220D SE 4Dr Saloon Auto 2017 In Polar White (Other Colours Available)

Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                          Business                          £339 + VAT per month

For Personal Add VAT To The Personal Rate, Road Fund Licence Included For Year 1, You Pay For Year 2 & 3. Other Mileages Available & Other Colours

Ford Kuga 2.0TDCi 150 Various Models 5Dr Hatchback Manual inc Metallic

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                  Zetec 2WD                                  £215 + VAT per month

6+23                  Titanium 2WD                            £225 + VAT per month

For Personal Please Add The VAT, Road Fund Licence Included For Period Of Lease

6+23                  Titanium Sport 2WD                £249 + VAT per month

6+23                  Titanium X Sport 2WD             £255 + VAT per month

Amazing New 730LD 4Dr Saloon Auto + Metallic

Brand new long wheel base executive car – INCLUDING FULL MAINTENANCE

Business Only

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          LD                         £599 + VAT per month

6+23                          LD M Sport           £659 + VAT per month

For Business Users Only, Road Fund Licence Included For Term Of Contract. Other Mileages Available. FULL MAINTENANCE INCLUDED

BMW 3 Series M Sport Autos + Metallic
Business Only

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+23                   320d Gran Turismo              £299 + VAT per month

6+23                   330d Gran Turismo xDrive  £319 + VAT per month

6+23                   335d Gran Turismo xDrive  £343 + VAT per month

For Business Only, Road Fund Licence Included For Contract Term. Other Mileages Available

Nissan Juke 1.6 Petrol Visia 5Dr Manual (Cars In Stock) **REDUCED**
Business 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                        Solid Paint                             £139 + VAT per month

6+23                        Special Solid Paint                 £149 + VAT per month

For Business Only, Please Call For Personal, Road Fund Licence Included For Contract Term. Other Mileages Available

 

NEW Toyota Avensis 1.6D Business Edition Saloon & Tourer Manual
   17″ Alloys, Touch Screen Sat Nav, Power Door Mirrors, Rear View Camera, Bluetooth, Wi-Fi etc.
Business Only 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                        Saloon                             £175 + VAT per month

6+23                        Tourer Est                   £179 + VAT per month

For Business Only, Road Fund Licence Included For Contract Term. Other Mileages Available

Nissan X Trail 1.6DCi N-Tec 5Dr 7Seat Manual (Cars In Stock Pre Reg. 65 Plate)
Business 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                        Solid Paint                             £259 + VAT per month

For Business Only, Please Call For Personal, Road Fund Licence Included For Contract Term. Other Mileages Available

Skoda Octavia 2.0TDi 184 VRS 5Dr Hatch Manual
0-62 7.9 seconds, Top Speed 144, Combined MPG 64.2 
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                               Man                                       £197 + VAT per month

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

Jeep Renegade Diesel 1.6 Multijet Longtitude 5Dr Manual
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £219 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

 

Citroen C4 Cactus Pure Tech 82 Feel 5Dr Manual
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £165 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Citroen C3 HDi 75 Edition 5Dr Manual
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £179 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Hyundai Sante Fe 2.2CRDi Premium 4WD BlueDrive 5Dr 7Seat Auto
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £309 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

 

Hyundai Tucson 1.7CRDi 116 SE Nav BlueDrive 5Dr Man
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £240 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Hyundai i30 1.6CRDi 110 SE BlueDrive 5Dr Hatch Manual
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                     £189 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Renault Kadjar TCE 130 5Dr Manual + Metallic
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                     Dynamiqu Nav                     £215 + VAT per month

6+35                     Signature Nav                      £219 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Volvo V40 D2 120 5Dr Estate Manual
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                    Momentum                                 £219 + VAT per month

6+35                    R Design                                     £235 + VAT per month

6+35                    Inscription                                   £245 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Contract Term. Other Mileages Available

Mini 3Dr Hatch Various Models Manual + Metallic

Business Users Only

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                   1.5D Cooper                                               £177 + VAT per month

6+23                    1.5D Cooper + Chilli Media Pack               £232 + VAT per month

6+23                    2.0 John Cooper Works + Chilli Med Pk     £253 + VAT per month

Business Users Only, Road Fund Licence Included For Contract Term. Other Mileages Available

 

Citroen Berlingo 625 Enterprise Van
Business
Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £169 + VAT per month

Road Fund Licence Included For Contract Term. Other Mileages Available

Citroen Dispatch 1000 Enterprise Van
Business
Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £189 + VAT per month

Road Fund Licence Included For Contract Term. Other Mileages Available

Citroen Relay 35 L3 2.2HDi H2 130PS Enterprise Van
Business
Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                     £229 + VAT per month

Road Fund Licence Included For Contract Term. Other Mileages Available

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April 2016 Special Offers

Thursday, 28. April 2016

Huge Rate Drop On This Car – The GLA – Amazing Value!!!!!

Mercedes GLA 200D Sport 5Dr Manual + Metallic (Limited Cars In Stock) 
   Looks A Little Like A Range Rover Evoque
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                      Sport                         £239 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2 & 3. Other Mileages Available

Mercedes E220D AMG Night Edition 5Dr Estate Auto 2016.5 Various Metallic Colours In Stock

Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                          Business                          £319 + VAT per month

 6+35                          Personal                          £359 + VAT per month

For Personal Add VAT To The Personal Rate, Road Fund Licence Included For Year 1, You Pay For Year 2 & 3. Other Mileages Available

Mercedes A180D 1.5 AMG Line 5Dr Manual In Cirrus White

Business & Personal 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                      £239 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available – Please Call Or eMail For Other Colours Available (Metallic + £8 Per Month)

Mercedes C220D SE 4Dr Saloon Manual & Auto (2016 MY) Various Colours In Stock
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          Man Business                          £249 + VAT per month

 6+23                          Man Personal                          £259 + VAT per month

6+23                          Auto Business                         £259 + VAT per month

 6+23                          Auto Personal                         £269 + VAT per month

For Personal Add VAT To The Personal Rate, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available

BMW 640D 3.0 2Dr Coupe, 4Dr Gran Coupe, 2Dr Convertible SE & M Sport Auto
Based on 2 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                          4Dr Gran Coupe SE                      £378 + VAT per month

6+23                          2Dr Coupe SE                               £398 + VAT per month

6+23                          2Dr Convertible SE                        £485 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

BMW 420D 2.0 M Sport 2Dr Coupe Auto + Metallic
Based on 2 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                                                                £306 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

BMW 520D 2.0 M Sport Auto + Metallic
Based on 2 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                             4Dr Saloon                     £275 + VAT per month

6+23                             5Dr Touring Est             £295 + VAT per month

6+23                             5Dr Gran Turismo         £345 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

BMW 116D 1.5 Efficient Dynamics Plus 5Dr Sport Hatch Manual + Metallic 

Business Users Only 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          116d Eff Dyn Plus 5Dr Man                £222 + VAT per month

Business Users Only. Other Mileages And Models Available – Please Call Or eMail

BMW 320D 2.0 Efficient Dynamics Plus 4Dr Saloon Auto + Metallic
Based on 2 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                                                                £298 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

Skoda Octavia 2.0TDi Scout 4WD 5Dr Estate Manual

Includes 17″ Alloys, Sat Nav, Parking Sensors, Leather Seats etc.     

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                    Manual                            £215 + VAT per month

        For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery. Other Mileages Available

VW Polo 5Dr Various Models Manual

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                    1.0 75 Match 5Dr              £122 + VAT per month

        6+23                    1.2TSi Match 5Dr             £132 + VAT per month

         6+23                    1.8TSi GTi 5Dr                 £162 + VAT per month

        For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery. Other Mileages Available

Vauxhall Insignia 1.6CDTi 136 SRi start/stop 5Dr Manual 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                 SRi                                        £219 + VAT per month

6+35                                 SRi Nav                                 £229 + VAT per month

6+35                                 VX Line                                 £219 + VAT per month

6+35                                 VX Line Nav                          £229 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Vauxhall Mokka 1.6CDTi 136 SE 2WD 5Dr Manual 17″ Alloys 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                 Man                                        £205 + VAT per month

6+35                                 Auto                                        £215 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

VW Golf 1.6TDi 5Dr Match Edition 5Dr Man & DSG Auto in Solid Paint + Winter Pack
Includes Sat Nav + Car Net Guide & Inform, Heated Front Seats & Headlamp Washers, Adaptive Cruise Control,  16″ Alloys, Parking Sensors Front & Rear, Front Fogs, Electric Folding Mirrors,

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                               Man                                       £190 + VAT per month

6+23                               DSG Auto                              £187 + VAT per month

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

Mercedes GLE 250D & 350D 4Matic (4WD) AMG Line 5Dr Auto (Various Colours In Stock – Pre Reg)
   This Car Replaces The ML 4WD
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          250D                          £469 + VAT per month

6+23                          350D                          £555 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available

 

Mercedes C63 AMG 4Dr Saloon Auto + Premium Package + Metallic 16 Reg
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £635 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available

Mercedes E220CDi AMG Line Edition 2Dr Coupe Auto + Metallic 16 Reg
Business & Personal

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                     £329 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available

Mercedes CLS 220CDi AMG Line 4Dr Coupe Auto + Metallic
Business & Personal

Based on 2 or 3 Years, 10,000 miles per annum, No Maintenance Included

6+23                    Business                     £329 + VAT per month

6+23                    Premium Business    £359 + VAT per month

6+35                    Personal                    £359 + VAT per month

6+23                    Premium Business    £388 + VAT per month

For Personal Add VAT, Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available

Volvo V40 T2 R-Design Nav Manual
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                     £209 + VAT per month

For Personal Add VAT, Road Fund Licence Included. Other Mileages Available

Volvo XC60 D4 R-Design Nav Auto
Business & Personal

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                     £309 + VAT per month

For Personal Add VAT, Road Fund Licence Included. Other Mileages Available

Vauxhall Corsa 1.4i 90PS Limited Edition 3Dr & 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                 3Dr                                        £129 + VAT per month

6+35                                 5Dr                                        £135 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

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An App That Can Make Drivers Safer – What Next?

Friday, 22. April 2016

There’s an app for that is rapidly becoming part of everyday conversation. Having created an award winning app myself that enables users to compare lease deals or simply to evaluate a deal to see if it represents good value, I know that app boundaries are limitless.

The latest app relating to motoring is aimed at younger, less than responsible, drivers that could help to prevent an accident, reduce their insurance premiums and help parents to worry a little less. The app has been created by employee tracking specialist, Romex. The app uses the driver’s phone to detect whether the car is exceeding 4 miles per hour via the phone’s GPS system.

At this point the app locks the device disabling calls, texts, emails and social media accounts, amongst other distractions. It can also monitor the speed the car is travelling at and the time spent driving. The company already has a similar product available to fleet users as part of its telematics systems to help companies and drivers to comply with legislation.

The maker has announced that the new app could be available as early as May 2016. Sales director, Steve Arscott explained, ‘It’s called distraction prevention, we’re approaching younger drivers because they’re the ones most likely to be glued to their phones.’ There will be a charge for the service and it will work alongside another of their apps called Guardian, which allows parents to monitor where their youngster is and whether they have been speeding – just as companies can do with their fleet drivers.

The company is optimistic that they will find an insurance company to partner up with, providing users with a rebate on their policy. The Guardian app can be extended to non drivers for worried parents who want to know where their off spring are. I’m sure it will lead to some very interesting debates between parents and children! By Graham Hill

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How To Get A Free Car For A Month

Friday, 22. April 2016

The Consumer Rights Act came into force in October 2015. The biggest change to consumer rights, included in the Act, was the right to return goods within 30 days for a full refund. This applies to all goods not just cars so please bear in mind if your 3 piece suite arrives damaged or the TV arrives with a scratch on it.

The question is, what constitutes a fault? My reading of the Act was anything that makes the car imperfect. But this view isn’t shared by lawyers who have challenged the right to reject by some customers when representing dealer clients. It’s down to interpretation and degree. The emerging fear from dealers is the freeloader who simply wants a free car for 30 days then return it to the dealer saying he wants his money back claiming that the car is faulty.

In this respect I have a little sympathy with the dealers (yes I did actually say that), because as with most English Law it lacks total clarity leaving it up to a judge to interpret it on a case by case basis and I have to say few judges are actually car experts. In order to protect their long term position some dealers have chosen to fight customer rejections citing that if a car is to be rejected and the client have his money refunded, according to the law, the ‘faults must be present at the point of sale’ AND render ‘the vehicle not satisfactory quality and/or fit for purpose.’

The files of a lawyer showed recent claims by consumers to reject their cars to appear to be extreme and misuse of the law. For example ‘The parcel shelf clip was missing’, ‘The cup holder does not work’ and ‘The FM button on the radio doesn’t work. As a consumer you have the right to either reject the car, if you feel that the fault satisfies the test shown above, or you can allow the dealer to fix it.

What the files didn’t show was if the customer had already allowed the dealer to attempt to repair or replace the faulty items, other circumstances that may have prevailed to cause the customer to reject and how long after taking delivery the customer chose to reject. The fact is that the law was created to prevent dealers taking anything up to a year to correct a fault that existed on a car at the point of sale, constantly fobbing of the customer who was left without a car for most of the time.

Was it intended that drivers should be able to drive around in a car for a month then simply return it for a refund because the cigarette lighter doesn’t work? Probably not but without tighter legal tests it is going to happen. Incidentally, this law may not only help the ‘freeloader’ but also customers who suffer from a condition, known in selling as ‘Customer Remorse’. These are customers who buy something then within hours, for often unexplainable reasons, regret the purchase.

It is why a good salesman will often congratulate you on your purchase after he has made the sale. Many people fail to see why the salesperson says things like, ‘I’m so pleased you chose that model, it is my favourite in the range and I should know I’ve been selling these for over 20 years’. It may seem daft – but it works! By Graham Hill

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FCA Issues A Scam Warning When Taking Car Finance

Friday, 22. April 2016

The Financial Conduct Authority (FCA) has issued warnings about a number of scams that are doing the rounds perpetrated by brokers who are not authorised by the FCA.

They will be looking to take action against such companies when they are found but in the meantime the onus is on consumers to make sure they check that the person providing the finance/advice/services is properly authorised.

Especially the case when you are asked to part with money upfront as a commitment fee or a deposit to secure a car that will be financed. Their advice is ‘We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are.’

And here’s the rub, if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme. So as I pointed out recently the first consideration should not be the rate that you are offered, be that a lease rate or APR, but the company that offers it and will represent you going forward. You have been warned – yet again! By Graham Hill

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How Best To Use The Law To Resolve A Dispute With A Dealer

Friday, 22. April 2016

If you are a regular reader of my posts you will know what section 75 of the Consumer Credit Act is and the way that it makes the finance company jointly and severally liable in the event that you have a ‘fit for purpose’, ‘miss-representation’ or any other breach of contract claim against the dealer.

The general perception is that first and foremost the dealer is responsible so you immediately take up the problem with the dealer which invariably gets you into a bit of a dispute. However, I am reading about more and more cases whereby the customer has immediately taken up the case with the finance company, which tends to take the side of the customer and roll over, somewhat quicker and easier than the dealer, leaving a very happy client and the finance company to battle out the recovery of any money they have spent from the dealer – not your problem.

In fact it is often the case that before making finance available to a dealer he must sign up to an agreement that simply says that in a dispute with a customer that the funder settles, the dealer is responsible to refund the cost. The agreement, in my opinion, shouldn’t be needed as it is covered off in sub-section 2 of section 75 of the act, as follows:

75 Liability of creditor for breaches by supplier.

(1)If the debtor under a debtor-creditor-supplier agreement falling within section 12(b) or (c) has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach of contract, he shall have a like claim against the creditor, who, with the supplier, shall accordingly be jointly and severally liable to the debtor.

(2)Subject to any agreement between them, the creditor shall be entitled to be indemnified by the supplier for loss suffered by the creditor in satisfying his liability under subsection (1), including costs reasonably incurred by him in defending proceedings instituted by the debtor.

The fact is that if you have taken out finance on a car, usually HP or PCP, and you feel that you have a claim against the dealer I would suggest that you challenge the finance company and if they ask you if you have already taken up the case with the dealer, point them in the direction of the Consumer Credit Act 1974, section 75.

As an aside I asked a lawyer friend of mine in the industry why the lender is more likely to roll over and he explained that if you took up the case against the dealer your recourse would be via the fairly wet fish Trading Standards but if you escalate a claim against a lender your recourse would be via the gritty Financial Ombudsman Service and if they investigate a claim they immediately charge £550 per claim investigation (in fact I believe they are allowed 25 claim investigations before they incur a charge). So there you have it. By Graham Hill

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End Of March 2016 Deals & Offers

Thursday, 24. March 2016

Jeep Grand Cherokee 3.0CRD Overland Auto + Metallic

Includes: 20″ Alloys, Sat Nav, Leather Upholstery, Bluetooth, DAB etc.

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                                                £369 + VAT per month

       For Personal Please Add The VAT. Other Mileages Available

Mini Clubman Cooper 2.0D 5Dr (Chilli Pack) Manual + Metallic **New** 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £189 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Vauxhall Zafira 1.4i 140 Turbo SRi 5Dr 7Seat Manual **New** 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £229 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Mercedes GLC 250D 204bhp AMG Line 4Matic 5Dr Auto + Metallic **New** 

Equivalent to Audi Q5 and BMW X3

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £369 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot 308 2.0HDi 150 GT Line 5Dr Manual + Metallic **Price Reduction** 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £179 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Ford Edge 2.0TDCi 180 & 210 SUV AWD Various Models 5Dr Manual & Powershift inc Metallic

** This is Ford’s largest SUV for sale in Europe – competing with BMW X3 – Packed full of Technology**

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, FULL Maintenance Included

6+23                  Zetec 180                                  £289 + VAT per month

6+23                  Titanium 180                            £305 + VAT per month

6+23                  Sport 180                                  £329 + VAT per month

6+23                  Sport 210 Powershift             £349 + VAT per month

6+23                  Titanium 210 Powershift       £319 + VAT per month

6+23                  Titanium Lux                            £329 + VAT per month

For Personal Please Add The VAT

Renault Grand Scenic 1.6DCi Dynamique Nav 5Dr 7Seat Manual + Metallic 

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                                                £199 + VAT per month

       For Personal Please Add The VAT. Other Mileages Available

Hyundai Tucson 1.7CRDi Various Models Very Limited Stock 

Business & Personal Rates

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

          6+35                      S                                 £225 + VAT per month

          6+35                      SE Blue Drive            £229 + VAT per month

          6+35                      SE Nav Blue Drive   £225 + VAT per month

       For Personal Please Add The VAT. Other Models & Mileages Available

 

Seat Ibiza 1.0 Sol Sport Coupe 3Dr Manual in Emocion Red

Includes 15″ Alloys, Air Con, Blue Tooth, DAB, Cruise Control etc.     

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                    Manual                            £119 + VAT per month

       For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery. Other Mileages Available

6+23                  Titanium 210 Powershift       £319 + VAT per month

6+23                  Titanium Lux                            £329 + VAT per month

BMW 640D 3.0 2Dr Coupe, 4Dr Gran Coupe, 2Dr Convertible SE & M Sport Auto
Based on 2 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                          4Dr Gran Coupe SE                      £425 + VAT per month

6+23                          4Dr Gran Coupe M Sport              £469 + VAT per month

6+23                          2Dr Coupe SE                               £455 + VAT per month

6+23                          2Dr Coupe M Sport                        £495 + VAT per month

6+23                          2Dr Convertible SE                        £549 + VAT per month

6+23                          2Dr Convertible M Sport                £583 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

BMW 420D 2.0 M Sport 2Dr Coupe Auto + Metallic
Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                                                                £327 + VAT per month

6+35                                                                £328 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

Mercedes E220 BlueTEC Diesel SE & AMG Night Edition 4Dr Saloon Auto + Metallic

Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included

6+23                          SE Business                          £249 + VAT per month

6+23                          AMG Night Edn Business       £269 + VAT per month

6+35                          SE Personal                          £299 + VAT per month

6+35                          AMG Night Edn Personal      £319 + VAT per month

For Personal Add VAT – As Can Be Seen Personal Carries A Premium. Road Fund Licence Included For Year 1, You Pay For Year 2. Other Mileages Available – Please Call Or eMail For Colours Available From Stock

** NEW** Kia Sportage Various Models 5Dr Hatchback inc Metallic

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                  1.7CRDi isg 1 2WD                                  £169 + VAT per month

       6+23                  1.7CRDi isg 2 2WD                                  £199 + VAT per monthnth

  6+23                  2.0CRDi KX 1 4WD                                  £199 + VAT per month

         6+23                  2.0CRDi KX 2 4WD                                  £235 + VAT per monthnth

   6+23                  2.0CRDi GT-Line AWD                            £257 + VAT per month

    6+23                  2.0CRDi GT-Line AWD Auto                  £269 + VAT per month

  6+23                  1.7CRDi isg 3 2WD                                  £239 + VAT per month

  6+23                  1.7CRDi isg 4 2WD                                  £269 + VAT per month

For Personal Please Add The VAT

VW Golf 2.0TSi 220 GTi 3Dr & 5Dr Manual Inc Metallic 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          3Dr                                        £249 + VAT per month

6+23                          5Dr                                        £255 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail For Colours Available

Jeep Renegade 1.6 Multijet 120 2WD Night Eagle 5Dr Manual

Includes 17″ Black Alloys, Bluetooth, Touchscreen Nav, Rear Parking Sensors, Climate Control, Front Fogs etc.

PERSONAL CONTRACT 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                      £185 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail For Colours Available

Toyota Rav 4 2.5 Hybrid Business Edition 5Dr CVT Auto 

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                                                £209 + VAT per month

       For Personal Please Add The VAT. Other Mileages Available

Mercedes GLA 200d 5Dr Manual & Auto inc VAT 

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                  Sport Manual                £239 + VAT per month

        6+23                  Sport Auto                    £249 + VAT per month

       6+23                  AMG Line Manual         £259 + VAT per month

        6+23                  AMG Line Auto             £269 + VAT per month

       For Personal Please Add The VAT. Other Mileages Available

Skoda Octavia 2.0TDi Scout 4WD 5Dr Estate Manual & DSG Auto

Includes 17″ Alloys, Sat Nav, Parking Sensors, Leather Seats etc.     

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                    Manual                            £170 + VAT per month

        6+23                    DSG Auto                         £193 + VAT per month

For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery. Other Mileages Available

Skoda Yeti 2.0TDi 110 SE Business 2WD 5Dr Manual

Includes 17″ Alloys, Sat Nav, Parking Sensors, Leather Seats etc.     

Business & Personal Rates

Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included

        6+23                    Manual                            £162 + VAT per month

        6+35                    Manual                           £168 + VAT per month

For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery. Other Mileages Available

BMW 3 Series 4Dr Saloons & 5Dr Estates in Solid Paint

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          318i Sport 4Dr Man                £239 + VAT per month

6+23                          318i Sport 4Dr Auto                £245 + VAT per month

6+23                          318i Sport 5Dr Est Man           £256 + VAT per month

 6+23                          320i M Sport 4Dr Man             £295 + VAT per month

 6+23                          320d M Sport 4Dr Man             £309 + VAT per month

 6+23                          335d M Sport xDrive 4Dr Auto  £329 + VAT per month

For Personal Add VAT. Other Mileages And Models Available – Please Call Or eMail

BMW 1 Series 3Dr & 5Dr Hatches in Solid Paint 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          116d Eff Dyn Plus 3Dr Man                £219 + VAT per month

6+23                          116d Eff Dyn Plus 5Dr Man                £215 + VAT per month

6+23                          116d Sport 5Dr Man (Nav)                 £219 + VAT per month 

6+23                          118d Sport 3Dr Man (Nav)                 £222 + VAT per month

6+23                          120d Sport 3Dr Man (Nav)                 £229 + VAT per month

 6+23                          120d Sport 5Dr Man (Nav)                 £235 + VAT per month

For Personal Add VAT. Other Mileages And Models Available – Please Call Or eMail

Renault Kadjar SUV Various Models inc Metallic Paint

Signature Nav: Sat Nav, Heated Leather Seats, BOSE DAB Radio, LED Headlights, Panoramic Sunroof 

Business & Personal Rates

Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included

        6+35                   TCE 130 Dynamique Nav           £195 + VAT per month

        6+35                   DCi 110 Dynamique Nav           £215 + VAT per month

        6+23                   TCE 130 Signature Nav             £215 + VAT per month

         6+35                   DCi 110 Signature Nav              £225 + VAT per month

       For Personal Please Add The VAT. Other Mileages Available

VW Golf 2.0TDi GTD 184 5Dr Manual in Black 
Includes Sat Nav + Car Net Guide & Inform, Heated Front Seats & Headlamp Washers, 18″ Alloys, Parking Sensors Front & Rear, Front Fogs

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                      £221 + VAT per month

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

VW Golf 1.4TSi 5Dr Match Edition 5Dr inc Discover Navigation + Winter Pack 
Includes Sat Nav + Car Net Guide & Inform, Heated Front Seats & Headlamp Washers, Adaptive Cruise Control,  16″ Alloys, Parking Sensors Front & Rear, Front Fogs, Electric Folding Mirrors,

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                      £178 + VAT per month

For Personal Add VAT. Other Mileages Available. There Is A Documentation Fee Of £199 Payable On Delivery

VW Touran 1.6TDi SE 5Dr 7Seat Manual     

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

        6+23                                                       £201 + VAT per month

For Personal Please Add The VAT, There Is A Documentation Fee Of £199 Payable On Delivery

 

VW Scirocco 3Dr Coupe Various Models 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          1.4TSi BMT Tech GT                    £205 + VAT per month

6+23                          1.4TSi BMT Tech Black Edn GT   £245 + VAT per month

6+23                          2.0TDi BMT Tech GT                    £233 + VAT per month

6+23                          2.0TDi BMT Tech Black Edn GT   £239 + VAT per month

6+23                          2.0TSi 280 R                                £274 + VAT per month

6+23                          2.0TSi 280 R DSG Auto               £292 + VAT per month

For Personal Add VAT. Other Mileages And Models Available – Please Call Or eMail

Nissan X Trail 1.6DCi TEKNA 2WD 5Dr 5Seat Manual  

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                          Solid Paint                                £255 + VAT per month

6+23                          Metallic                                     £260 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail For Colours Available

 

Peugeot 108 1.0 Active 68 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £119 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Peugeot 108 1.2 Puretech 82 Top Allure 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £125 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot 208 1.2 Puretech 82 Allure 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £139 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Peugeot 2008 BlueHDi 100 Allure 5Dr Manual + Metallic 

Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £179 + VAT per month

6+35                                                                         £175 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Peugeot 3008 BlueHDi 120 Active 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £209 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot 5008 BlueHDi 120 Active 5Dr Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £220 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot 508 HDi Active 120bhp & 150bhp 4Dr Saloon Manual + Metallic 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                   120bhp                               £209 + VAT per month

6+35                                   150bhp                               £222 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Citroen DS3 1.2 Puretech DSign 3Dr Manual

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £135 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Volvo V40 T2 R-Design 5Dr Estate Manual (Cars In Stock) 

Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £189 + VAT per month

6+35                                                                         £189 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Hyundai i30 Blue Drive 5Dr Hatch & 5Dr Tourer Estate Manual inc Metallic  

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                     1.6CRDi 110PS SE Hatch                    £145 + VAT per month

6+35                     1.6CRDi 110PS SE Tourer                   £155 + VAT per month

For Personal Add VAT. For Nav Add £17 + VAT Per Month, Other Mileages Available – Please Call Or eMail

 

Hyundai Tucson 1.7CRD 5Dr Manual  

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                     S                                                         £219 + VAT per month

6+35                     SE Blue Drive                                      £225 + VAT per month

6+35                     SE Blue Drive Nav                              £229 + VAT per month

For Personal Add VAT. For Nav Add £17 + VAT Per Month, Other Mileages Available – Please Call Or eMail

Ford Kuga 2.0TDCi 150 Various Models 5Dr Hatchback Manual inc Metallic

Business & Personal Rates

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                  Zetec 2WD                                  £215 + VAT per month

6+23                  Titanium 2WD                            £225 + VAT per month

6+23                  Titanium X Sport 2WD             £255 + VAT per month

6+23                  Titanium Sport 2WD                £249 + VAT per month

6+23                  Titanium X 2WD                        £235 + VAT per month

For Personal Please Add The VAT

BMW 520D 2.0 M Sport 4Dr Saloon Auto + Metallic
Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                                                                £279 + VAT per month

6+35                                                                £276 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

 

Mini 1.5 Cooper D 3Dr & 5Dr Hatch Manual + Metallic + Metallic
Based on 2 & 3 Years, 10,000 miles per annum, No Maintenance Included
BUSINESS USERS ONLY

6+23                            3Dr                                    £169 + VAT per month

6+23                            5Dr                                    £159 + VAT per month

6+35                            3Dr                                    £168 + VAT per month

6+35                            5Dr                                    £162 + VAT per month

For Business Users Only. Other Mileages Available – Please Call Or eMail

 

Peugeot Partner 850 HDi L1 92 Professional Van 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £165 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot Expert 1000 L1 H1 90 Professional Van 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £179 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Peugeot Boxer 330 L1 H1 110 Professional Van 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £219 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

 

Peugeot Boxer 335 L3 H2 130 Professional Van 

Based on 3 Years, 10,000 miles per annum, No Maintenance Included

6+35                                                                         £229 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

Citroen Berlingo HDi 75HP 625 Enterprise Van in White or Shark Grey 

Based on 2 Years, 10,000 miles per annum, No Maintenance Included

6+23                                                                         £145 + VAT per month

For Personal Add VAT. Other Mileages Available – Please Call Or eMail

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Graham Hill Reveals The Power Of The Unfair Trading Regulations

Friday, 11. March 2016

In a recent newsletter I promised to reveal the power of some regulations that few consumers are aware of and many providers of goods to consumers abuse. They are called the Unfair Trading Regulations (2008). They regulates 5 main categories of potential unfair business practices. Additionally in 2014 amendments were made to the regulations that gave consumers greater rights of redress.
More specifically if the consumer was the subject of misleading action, i.e. if a false statement was made by the seller or if he used aggressive selling techniques, he was entitled to take the following action: 1. Undo the contract, 2. Insist on a discount on the price paid, 3. Seek damages. So this legislation is quite tough. In the case of cars here are the five main categories of potential unfair business practices:
1.    Giving false information either verbally, visually or in writing, for example if the vehicle’s specification is misrepresented and/or its service history, length of MOT, mileage, number of previous owners etc. at any time either before, during or after the transaction.
2.    Giving too little information, omitting or hiding important information. e.g. having a check carried out on the vehicles mechanical condition but failing to mention the check and the results. Failing to mention the results of any history and mileage checks or (and this is a good one) failing to draw the customer’s attention to key elements of any warranty, for example what the warranty covers, the claims limits, excess and conditions of use.
3.    Acting aggressively e.g. using high pressure selling techniques to sell the vehicle, finance or warranty.
4.    This is a good old English law statement ‘Failing to act in accordance with reasonable expectations of what’s acceptable.’ No I don’t know either!
5.    There is a ban of 31 specific practices, no I won’t list them all just a few important ones such as falsely claiming to be a signatory to a Code of Practice, falsely claiming to be approved, endorsed or authorised by a public or private body. And here is a great one: falsely stating that a vehicle will only be available for a very limited time in order to elicit an immediate decision to buy.
I have illustrated the law as it applies to vehicles but they are equally applicable to anything you buy. Be it a TV, three piece suite etc. Now I bet you didn’t know that? By Graham Hill
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Your Rights When Paying A Car Deposit By Graham Hill

Friday, 4. March 2016

When people hear about me and leasing a little late in the day. It is often the case that someone goes into a dealer, test drives a new or used car, negotiates a deal and pays a deposit, often much more than he or she needs to.put down.
They then find out, after contacting me, that there is an amazing deal on a new car that makes the cost cheaper than the used car or by choosing a different finance method can save a lot of money on the same new car supplied through me. As a result he wants to cancel his order with the dealer. Now legally this is a breach of contract but the good news is that the dealer can only legally recover his costs which must be ‘reasonable’.
So if you have paid £1,000 deposit and you cancel the order he has no right to keep the £1,000. He may be entitled to a few pounds admin costs and maybe a few pounds to re-advertise the car but that’s it, he must refund the balance. If he carries out a service and MOT at your request he may also recover those costs but even that is debatable because both add value to the car when he re-advertises.
My advice is pay as little as possible, say £100, and pay by credit card, it increases your legal rights phenomenally, even more so if you end up buying the car, especially if you pay the balance in cash. And if a dealer tries to keep your deposit get straight on the phone to your local trading standards office. By Graham Hill

 

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The Auto Renew Insurance Con – Call For Action!

Friday, 26. February 2016

Having just renewed my insurance I have first hand experienced of the way that crooked insurance companies are trying it on through the ‘auto renew’ con. I had the paperwork through explaining that they had researched the market on my behalf in order to achieve the best possible rate which in fact increased my premium by a third.

But by expressing the new premium in monthly terms on the face of it the figure could have easily been overlooked and being lazy I could have continued on with the same insurer. But having checked the previous year’s premium I was staggered and immediately jumped on comaparethemarket.com (free cinema ticket every week for a year – there’s my dates off match.com sorted for the next year).

When I saw the premiums I was staggered. I was about 40 quotes down the list before the premiums were anything close to the quote from my existing insurer. In fact the quote I went for with the RAC was about £100 a year less than the premium I paid last year. I had a similar experience with Mcafee for my computer protection insurance. I paid the Argos shop £19.99 for one year’s protection last year.

When it came up for renewal they were going to hit my credit card to the tune of £89.99. When I phoned to say I didn’t want it they said they would reduce it to £45.99. After checking with Argos I told the lady to shove it. I believe that if you sign up to auto renew a policy of any kind, if the premium increases by more than say 5% for whatever reason it should be clearly explained and you have to opt in rather than opt out. Rant over! By Graham Hill

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