Car Ownership - Help Make It More Affordable - Mobyl

Hi all,

I'm exploring an idea to provide a new form of car ownership. I believe that car finance for instance, should be a lot simpler and better for car buyers, and I'm looking to change that.

I'm in the process of testing out a few of my assumptions and hoping I could get your opinions through a quick 6-8 minute survey: https://helpmobyl.typeform.com/to/CZJdrl

There's an opportunity to win a £20 Amazon voucher for those who are feeling inspired!

Thanks for your time,

James @ Mobyl

Car Ownership - Help Make It More Affordable - Avant

Is there anyone in the know about these things who can tell us whether this link is safe?

Unless we can be sure, click on it at your own risk.

Car Ownership - Help Make It More Affordable - oldroverboy.

i is a link to a domain in the indian ocen territory. very probably spam.

Suggest blocking it!

Car Ownership - Help Make It More Affordable - RichT54

When I checked "helpmobyl.typeform.com" at ipaddress.com it said it was hosted at Amazon in USA?

Car Ownership - Help Make It More Affordable - Mobyl

Hi - valid point, thank you for raising. I'm the owner of the survey and it was built and hosted on a platform called typeform (typeform.com), which among others is used by Forbes to research their various lists. If anyone has clicked on the link and experienced any issues, please don't hesitate to reply below or email me on james [at] mobyl.io.

Edited by Mobyl on 04/08/2017 at 17:50

Car Ownership - Help Make It More Affordable - bolt

I did try it, but it locked up at the question whether you bought your car, I had to restart pc as microsoft edge wouldn`t recover.

I wont do it again

Car Ownership - Help Make It More Affordable - Manatee

Typeform is legit. It works fine. Probably more than can be said for Edge:)

Edited by Manatee on 05/08/2017 at 00:20

Car Ownership - Help Make It More Affordable - Avant

Thanks.

Car Ownership - Help Make It More Affordable - oldroverboy.

And anyone daft enough to put a real email address in a random form after such an explanation as was given at the beginning of this thread deserves an inbox full of spam.

The OP does not say where HE IS, where HE IS doing his research and gives precious few details before asking us to trust him.

so don't.

Edited by oldroverboy. on 05/08/2017 at 07:23

Car Ownership - Help Make It More Affordable - Mobyl

OP here, again. I think being aware of personal data is always good practise. Note I don't insist on providing any email or contact information and hopefully make that clear at the start of the form.

I am based in London and I am doing my research across the UK. I'm here because, while I have my own perspective (probably too London-centric), I want to get a better idea of how people actually operate when it comes to buying cars across the country. More specifically: I think that car finance in particular can lead people to make decisions that aren't in their long-term interests, and I'd like to see how things can be improved. My goal is to eventually create a product that is fairer.

This form is the start of that investigation. I want to get opinions, not contact details, and I value the perspective of the users of this forum. Don't click the link to the survey if you have any reservations, but if you have an opinion and want to share it, I'm equally happy to collect thoughts below.

Cheers

Car Ownership - Help Make It More Affordable - badbusdriver

Do you really nee a survey for this?.

IMO, whether they admit it or not, i'd say at least 75% of car buyers choose their car based on image, or percieved trendiness.

PCP and other current finance deals mean that people who couldn't otherwise even contemplate an Audi, BMW or Merc, now have one on their drive. This is undoubtably a good thing for the manufacturers, as their 'sales' figures are mighty impressive. This is just a smokescreen though, as the 'owner' of the car never actually owns it until the end of the agreement, by which time most will have changed to get into the latest model. So the 'owners' of these cars, are essentially 'renting' a car long term, by a different name.

Whether or not this is good long term, is debatable, but one thing is for certain. There are only 2 ways to improve the situation (if indeed you feel it needs to be improved). 1, make the finance cheaper (which leads to the question, who would pay for this?). And 2, persuade people to live within their means, which is all but impossible (see very long current thread).

There is no doubt that finance for any purchase can lead people down a road that is not in their best interests. Maybe, if you want to make things better, you should focus on pay day loans, this is far more hazerdous to peoples financial stability.

Car Ownership - Help Make It More Affordable - Engineer Andy

Do you really nee a survey for this?.

IMO, whether they admit it or not, i'd say at least 75% of car buyers choose their car based on image, or percieved trendiness.

PCP and other current finance deals mean that people who couldn't otherwise even contemplate an Audi, BMW or Merc, now have one on their drive. This is undoubtably a good thing for the manufacturers, as their 'sales' figures are mighty impressive. This is just a smokescreen though, as the 'owner' of the car never actually owns it until the end of the agreement, by which time most will have changed to get into the latest model. So the 'owners' of these cars, are essentially 'renting' a car long term, by a different name.

Whether or not this is good long term, is debatable, but one thing is for certain. There are only 2 ways to improve the situation (if indeed you feel it needs to be improved). 1, make the finance cheaper (which leads to the question, who would pay for this?). And 2, persuade people to live within their means, which is all but impossible (see very long current thread).

There is no doubt that finance for any purchase can lead people down a road that is not in their best interests. Maybe, if you want to make things better, you should focus on pay day loans, this is far more hazerdous to peoples financial stability.

Effectively this thread can easily be linked to that of the 'living within our means' one, as much of the problems of car ownership being affordable can, as you say, be linked to poor choices by people who buy specific cars for the wrong reasons and without seeing (quite easily - its not rocket science) whether they can genuinely afford to run it and subsequent vehicles over their life with other financial burdens. Hope for the best, plan for the worst is my motto, the problem is that most people don't do the second.

 

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