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  Is GAP insurance a worthwhile investment? 19 Jul 2018 (Ask HJ)
  I have been offered 'shortfall' GAP insurance for car at £449 for three years. If the car is a total loss due to accident/theft, then the value would be...
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  Outright purchase or Hire Purchase? 21 Mar 2016 (Ask HJ)
  A friend is looking for a small cheap new car. They usually buy a new or pre-reg car costing around £6k car outright, but are being tempted by hire-purchase...
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  Sold an ex-demo car in the wrong specifcation 23 Mar 2012 (Ask HJ)
  We bought an ex demonstrator from Arnold Clark yesterday using PCP to finance it. When we returned home and put the two seats down in the boot we...
• selling a car with outstanding finance 8 Sep 2006 (Forum)
  a week later I receive a county court summons... the interesting thing is, the summons mentions nothing about the car, instead saying I was advanced a sum of money by the finance company. I replied to the summons making an offer of payment. After 8 weeks I heard nothing. I have since moved house and took the car with me, registered it at my new address and am waiting to see what happens I know the car is not legally mine, but the judgement failed to mention the car, nor did the finance company request the court to order me to return it.
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  Is this a good part-exchange deal for a new Land Rover Freelander 2? 31 Jul 2010 (Ask HJ)
  I own a Freelander 2, bought new in August 2007 and am considering purchasing a new Freelander 2 TD4 HSE. Under the Land Rover Finance agreement on the...
• PH taxi - Gap Insurance 1 Mar 2021 (Forum)
  I've recently purchased a 2nd hand car on HP which I'll be using for private hire, already have PH car insurance, can anyone help with the following questions, Car price £7000, add finance £8800, what policy do I need, vehicle replacement plus or back to invoice, finance over 5yrs Is it worth having excess policy cover, my own PH insuranc has £1000 excess, ALA offers excess cover, but only for the 1st year Lots of adverts on Google for PH / taxi gap insurance, does anyone have a recommendation?
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  What questions do I need to ask an internet dealer? 15 Mar 2017 (Ask HJ)
  What questions do I need to ask an internet dealer?
• Mercedes SLK - Ending PCP early 18 Jun 2015 (Forum)
  I have a PCP with Mercedes UK.  The agreement allows me to end the contract early provided that at least 50% of the finance has been paid. Having spoken to MB (to confirm this) they said that they would be obliged to put a marker on my credit record saying I had terminated the agreement early and that this "might make it difficult for me to take out finance in the future and at a higher APR and with a larger deposit".
• dealership finance dilemma 17 Apr 2012 (Forum)
  A few days later we arranged a test drive and she liked the car very much, needless to say we put an order in for one, again it was mentioned about the 50% deposit and 0% interest....I had checked this out myself but could find no such promotion. The finance and other details were to be sorted once the car had arrived so a small deposit was placed. Today the wife recieved a phone call from the dealer to say they had made a mistake and there is no 0% interest, but can offer low interest which would put approx £10 a month on top of the intended monthly payments.
• Outstanding Finance Question 9 Jun 2009 (Forum)
  I have a Renault Laguna 1.9 dCi Privilege Estate. I've had it 2 years and bought it on a 48 month finance deal from Cars 4 Staff (Lloyds Car Select). I was just finishing Uni when I purchased the car, hence the small deposit and 4 year payments. The Laguna is a nice car but we've put miles on it quicker than expected due to a variety of different events and circumstances.
• Recommendations for a family car? 27 Mar 2008 (Forum)
  The broad requirements I have are; - Must have 4 doors and a reasonable boot (have a young family). - Diesel definitely preferred. - I'll have around £5k deposit, and would want to finance the rest on a budget of say £350 to 400 / month. - Would prefer a straighforward finance, not leaving a lumpsum at the end. I'd like to own the car, so I guess that means not a lease. - Prefer new, but haven't excluded a 1-2 year old used car, if it's in good nick.
• Renault Clio - Car Written Off - Not my fault 18 Mar 2023 (Forum)
  The driver left his details and we have gone through both insurances and he is claiming full blame. We have no gap insurance and the car is on monthly finance payments. We recently found out that the insurers have written the car off and the value is likely going to be less than the finance agreement. Does this mean we are likely going to have to fork out a lump sum to pay the deficit even though it wasn’t our fault?
• Skoda Kodiaq - asking for the impossible 1 Jul 2018 (Forum)
  They don't have pricing for them yet so can't proceed. By the time they do have pricing, the finance deal and extra promotion will have ended.  Hey ho.   
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  What discount should I expect? 28 Jan 2013 (Ask HJ)
  How much discount should I expect when buying a new Hyundai Santa Fe retailing at £32000. This will be a cash purchase with no trade and no finance?
• Car Finance Deals 19 Jun 2007 (Forum)
  Just idly looking at a purchase plan for a Renault in today's DT. It looks like HP. Basically one puts down zero deposit, a first payment including some...
• Ford Fiesta Zetec S 11 Jun 2001 (Forum)
  At the moment there's a really good offer on a new Zetec S for £11,000 with £700 off with no part ex or £1500 off for my L reg Ford Escort Diesel with 75,000 miles on the clock, £750 off the finance, free insurance for a year, and low 5.9% finance which sounds good. I like the car, and I know that if I like it and want it, I should go for it, but is it a wise move? Especially with the new model due out?
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  Does this deal sound dodgy? 23 Oct 2012 (Ask HJ)
  My partner and I are buying a car from a garage in Derby, and have paid a £500 deposit by credit card. The car belongs to the garage owners wife, but...
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  Should my daughter get a new Mazda CX-5 through PCP or Hire Purchase? 14 Aug 2017 (Ask HJ)
  My daughter is looking to buy a new car, but is confused (as am I) about the best method of purchase e.g. PCP or Hire Purchase. She will do around 17,000...
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  Is it better to buy a used 2 year old car or buy a new car within a 3 year car finance agreement to buy/release at the end? 20 Jan 2017 (Ask HJ)
  Is it better to buy a used 2 year old car which has lost it's depreciation, or buy a new car within a 3 year car finance agreement to either buy at the...
• Vauxhall Insignia 2.0 CTDi (160) SE - Were my parents-in-law charged a fair price 21 May 2012 (Forum)
  They were told that it was the car that the MD had been using and that they were being offered it at an "exceptional price" of just short of £20k (£5k deposit, £15k on finance with GMAC). It had done about 9k miles. Two weeks ago my father-in-law passed away unexpectedly. My mother-in-law will never use the car, it's simply too big. We therefore began looking at selling it to pay off the finance, and here is where we've had a bit of a shock.