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  Do I need Gap Insurance? 16 Feb 2018 (Ask HJ)
  Is Gap Insurance worth having?
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  What type of insurance do I need to cover taxi drivers and hire cars? 1 Feb 2017 (Ask HJ)
  I'm planning to buy two new cars on HP to hire out to minicab/Uber drivers but I'm not sure if this is allowed. If it is, can you please advice on what...
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  What is the point of 8,000-mile contract limits? 9 Aug 2022 (Ask HJ)
  How can it make sense to spend several hundred pounds per month plus a four figure sum in initial payment to finance a car with an agreed mileage of just...
• Advice Needed 14 May 2018 (Forum)
  If I could would the finance company further finance the new car? I'm a little lost. Thanks in advance.  
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  How do I get a new logbook? 22 Mar 2017 (Ask HJ)
  I bought a car which has now had a crash. I can't find the V5C logbook and the scrap company can't scrap it as the previous owner still has outstanding...
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  Plus flaws? 19 Sep 2010 (Ask HJ)
  I'm confused over two cars. Which is the better buy / value for money and economy? Golf Plus SE 1.4 TSI 122PS man 6-speed 5-door Cash or 0% finance £18,275....
• Skoda Fabia - SOLD FINANCED VEHICLE BACK TO DEALERSHIP PROBLEM 6 Aug 2010 (Forum)
  THEY ARE SAYING I NEED TO COLLECT THE VEHICLE AND IF i WANT i CAN GET SKODA TO PICK THE VEHICLE UP BUT THE 3 YEAR DEAL ISNT UP UNTIL OCTOBER THE ONLY WAY FOR ME TO GET RID OF THE VEHICLE BEFORE OCTOBER WAS TO SELL TO A SKODA DEALERSHIP. LEGALLY WHERE DO i STAND AS THE FINANCE COMPANY STILL DOESN'T HAVE THE MONEY AND I DONT OWN THE VEHICLE PLEASE HELP
• VW Golf - Outstanding finance 31 Oct 2020 (Forum)
  I’ve put a £250 deposit for a 2016 VW Golf. I just did an HPI check and it has outstanding finances flagged. Does anyone know if it’s possible that no OF are still there and the flags just not been taken down? I’m in a pickle on whether to inform the car garage selling it or call those potentially chasing the car/cash.
• car brokers & manufacturer finance 16 Feb 2006 (Forum)
  I know you pay the dealer on receipt of the car but am unsure if you can use the supplying dealer to arrange finance? With them offering 0% at moment if I can utilise it, then it works out a really good deal! Anyone used a broker before and done this? Any help appreciated. Mark
• car finance 16 Jun 2005 (Forum)
  ok so i have bought a car, i paid 2k towards it , the other 8 was from a loan from a bank if it goes faulty, the garrage owner is respoinsible, he gave...
• Terminating car finance on BOS rather than HP? 23 Mar 2012 (Forum)
  Seems silly to get it repaired when i want to get rid anyway!  Im just trying to get rid of the finance and buy a new car outright in the cheapest way possible!   Thanks 
• Settling outstanding finance when buying a car 3 Dec 2007 (Forum)
  Hello, A friend of mine has seen and agreed a price on a BMW 3 series Touring. There are two issues (possibly not but neither or my friend have had to settle finance before) 1) The car is 150 miles away 2) There is outstanding finace... this was known from the start We understand that whatever price is agreed the buyer pays the finance and gives any balance to the PO.
• FIAT 500 - Voluntary terminate a PCP, finance company charge? 8 Sep 2018 (Forum)
  Hi, My wife currently has a Fiat 500 and wants to switch to another on a lease scheme. She's contacted Fiat finance and they've said she is far enough through her current PCP to voluntary terminate, which is good, however they've told her that there would be a £100 charge if the collect the car compared to if we drive it somewhere they decree.
• Graduate Reliable car 3 Apr 2018 (Forum)
  My son has a graduate placement starting Augusr 2018. He wil need a car but there is no company scheme. He is talking about getting finance on a car and I am thinking oh no!. So What is the best way to finance a car? If by finance which makes are offering the best deals? He has been running a 04 plate Clio diesel, is there a scrappage opportunity?
• Any - Cheaper funding options 27 Apr 2017 (Forum)
  I can settle existing finance settlements and the finance is attaached to the vehicle which is more protection for you, we simply send the dealer the funds. Please contact me on (deleted) (If someone is stupid enough to think they'll get away with free advertising, just imagine what the quality of their advice must be like.)
• Finance maths lesson please 9 Sep 2008 (Forum)
  I've just looked at a manufacturers website who claim 4.9% APR List price of the car is 27905 Deposit 5100 Dealer contribution 1621 Leaving a balance of 21184 from which 12600 is the payment deferred to 3 years This means they are really lending you about 8500 with the bulk being deferred to the end of the lease period which you then have to finance or refinance. The quoted Total charge for credit is 2455 That's about 28.5% by my calculations. Since when does 4.9%APR over 3 years add up to 28.5% ? I've noticed a few manufacturers doing this in the back of car magazines.
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  I was sold a car that still had outstanding finance - what can I do? 11 Aug 2018 (Ask HJ)
  I purchased a Jaguar XJS Cabriolet from a private seller via eBay. Before collecting and paying for the vehicle £15,000 I checked with an online company...
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  My car just had the engine replaced, should the mileage go back to zero? 12 Feb 2018 (Ask HJ)
  I bought a secondhand Peugeot 208 on finance with 33,000 miles on it. It then blew a head gasket after five months of use. As it was under warranty, I...
• PCP finance agreement equity checker 7 Feb 2018 (Forum)
  Hi everyone, Is there a service to check current market value of the car on a PCP finance agreement and compare it to the PCP settlement figure? Thereby working out whether I'm in negative equity or positive equity? Obviously for the majority of the PCP finance agreement it will be negative, but on my last deal (Audi S3 2010) I found that I was in positive equity almost a year prior to my agreement ending!
• Crazy finance deal & "non passed driver" 28 Jan 2010 (Forum)
  Way back in around 1970 a mate of a mate - who I met occasionally had a desire for a brand new car. He earned very little and there was no way he could afford `regular` finance. However, one day he turned up in a brand new Ford Escort. The horror story is, that he had managed to find finance over 10yrs - but was paying back more than three times the cash price of the car.