The Best Car Finance Blog In The World

How’s your breathing, do you suffer with hay fever? Well if your breathing has been affected recently it may not have been because of pollen. It seems that the European Commission has been threatening Britain with legal action for allowing more unhealthy PM10 particulate matter airborne pollution than permitted under EU legislation. Transport is a key source of PM10 pollutants. As a result the UK has been given 2 Read more �

How’s your breathing, do you suffer with hay fever? Well if your breathing has been affected recently it may not have been because of pollen. It seems that the European Commission has been threatening Britain with legal action for allowing more unhealthy PM10 particulate matter airborne pollution than permitted under EU legislation. Transport is a key source of PM10 pollutants. As a result the UK has been given 2 Read more �

Over the years I have put forward many reasons why you should opt for Dealer HP over a personal loan (contrary to all advice given in the media). Your legal rights are so much greater when you take HP. If you have read my book An Insider Guide To Car Finance, or been a regular reader of my newsletter, you would know the reasons that I put forward. However, I have just uncovered a new one that you may Read more �

Warnings have been issued about dealers and manufacturers who refuse to carry out warranty work because the vehicle hasn’t been serviced by a main dealer. This is illegal and flies in the face of the revised EU Block Exemption rules that came into force in 2002. In a case taken up by What Car a lady, Nocola West, had a Vauxhall Astra that developed a radiator fault that ended up putting water in the gearbox. The dealer Read more �

A friend of mine was once clamped in a car park for not having a ticket displayed in her windscreen (she accidentally put it in her purse – daft as). As a result another friend came to the rescue at 2.00am with his tool box. After about 4 hours and several hacksaw blades later she was finally free to drive home. Not something I approve of, obviously, but it made me a little more cautious about where I park my car and I Read more �

I saw recently in Auto Express a report on the way insurance premiums are spent on claims. Whilst I talk regularly about insurance, and how to reduce premiums etc., I thought it made interesting reading and felt I should share it with you. The average premium has risen from £354 annually 15 years ago to £616 annually, even worse if you have loyally stuck with the same insurer which they suggest would now have Read more �

In October last year the old dopey Government introduced a law that was aimed at reducing the legal aid bill by saying that if you challenged a motoring charge, such as speeding, and you won your case, you could only claim costs based on the legal aid rate. So if you had paid for a solicitor to prepare the case and represent you, and you won your case, you could only recover through the court the legal aid rate which Read more �

When Kelvin MacKenzie, the ex editor of the Sun newspaper, received an end of lease charge of £1,867.48 he was shocked and immediately tore into Mercedes Benz Finance through the columns of the Sun. In the same column he said, referring to the charge from the lender and following details of the charges, “as per the agreement (my fault I didn’t read it).” He didn’t read the agreement but he’s lambasting the lender Read more �

Mobile phone users who still use their phones whilst driving without a hands free kit are back in the news as conviction figures show another fall. Recently published figures show that convictions in England and Wales were down to 116,000 in 2008/9, down by 5% on the previous year, which in turn was down on the 167,000 convictions in 2006/7 even though the use of a mobile phone whilst driving was introduced as Read more �

I am, without doubt, the leading expert in car finance in the UK. However, wherever you look there are ‘experts’ who will not fail to give bad advice. This seriously winds me up because it can cost people a lot of money and in some of the worst cases, their home. It’s bad enough when this bad advice is given by well meaning friends down the pub or an accountant who is really not specialist, as I am, in vehicle finance. Read more �