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  Are there disadvantages to buying an ex-financed car? 15 Jul 2020 (Ask HJ)
  Are there any disadvantages to buying an ex-PCP car from a Mercedes dealership? Should it affect the price?
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  Can you explain where on earth the money comes from for a deposit contribution? 1 Jun 2018 (Ask HJ)
  Can you explain where on earth the money comes from for a deposit contribution? I negotiated an excellent deal on a pre-reg car. The dealer than said I...
• Skoda Yeti - Skoda contract hire /HP 3 Oct 2016 (Forum)
  Hi all I'm in the process of buying a Yeti from a Skoda dealer, and I was going to use contract hire to keep the cost down util some money appears next year. Skoda, VW finance UK, use the same form for HP & contract hire I strongly advise you read the contract very, very carefully, especially clause 3.1 Care and use of the vehicle. "-not allow the vehicle to be taken outside the United Kingdom without our permission except that you maytake it to any countrywithing the European Union for up to 60 days in any calendar year" I queried this and the dealer rang Skoda finance,AKA VW Finance, underwring as I travel frequently through Switzerland to Italy.
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  Personal Contract Hire (PCH) companies 9 Jun 2015 (Ask HJ)
  I'm looking at getting a new car and considering financing under a 'Personal contract Hire' agreement on a 3 year term. Have looked in to the concept in...
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  Buying a used car - should I have to pay an admin fee? 5 Nov 2014 (Ask HJ)
  A branch of a national dealership has a three year old Ford Kuga at a very good price. However the salesman quotes £99 administration charge to check HPI...
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  Drip freed 3 Oct 2009 (Ask HJ)
  At the moment, LandRover has two finance agreements. The one I am interested in is 0% finance where you put down half the value of the car and then pay...
• Ford b max zetec navigator auto - 12 month old Finance car Total loss 7 Mar 2018 (Forum)
  Now I was asked to contact ford which I did but I contacted my dealer who said they don’t make ford b max in automatic anymore. Told insurance when they should’ve been contacted ford finance which I confirmed with ford finance.they are going down the total loss route regardless and not offering me a replacement car claiming it’s hit the 12 month mark anyway but I would say at the time of accident it wasn’t?
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  Dealer won't repair faulty car - what can I do? 13 Feb 2014 (Ask HJ)
  I purchased a 2010 Nissan Qashqai 12 weeks ago. Recently the power steering broke and the dealer has said the connector on the main harness broke, which...
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  What is PCP? 21 May 2013 (Ask HJ)
  What is PCP finance?
• Car Finance Query on Interest 28 Sep 2011 (Forum)
  I'm looking at purchasing a new car and was asked to get a final settlement figure on my current car/loan as it is classed as a Personal Loan (wasn't aware, thought it was a car finance part of Arnold Clark). Where I'm really confused is the interest. Amount borrowed was £12700.88, interest amount £2857.72. Taken over 60 months (so far made 42 payments).
• Car Finance 5 Jul 2006 (Forum)
  On the 2nd May 2003, we had a settlement figure for our car finance. We had remortgaged and wanted to pay it off. When the money came through, phoned the company up to check the settlement figure still stood, was told yes, so paid it by debit card over the phone.
• New/used car sales contract. 23 Apr 2003 (Forum)
  HELP NEEDED! Ive ordered a pre-reg car from a dealer (not the Seat on another thread), and am financing through Motability Finance HP (not the leasing that Motability is known for). The dealer has given me a fixed price for my trade in (Fiat Punto) and I have signed a contract showing this and all the other figures and a deposit of £500 paid.
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  Can I put a private plate on a leased car? 17 Jun 2024 (Ask HJ)
  Can I put a private plate on a leased car?
• Volkswagen Golf mk 6 vs Seat Leon mk 3 30 Apr 2015 (Forum)
  I might be able to get a 1.4 13 plate Leon for similar money to a 11 or 12 plate golf. We will probably go for a PCP finance deal (never bought a car on finance before but currently don't have a lump sum in the bank and PCP looks favourable to a personal loan. Question is which car??????
• When should I sign hire purchase contract? 19 Apr 2015 (Forum)
  The hire purchase agreement has a 14 day withdrawal clause. My question is when should the finance hire purchase agreement be signed normally – should I ensure it is not more than 14 days before collection? Much appreciate any advice.
• Ready funds how to get best price/options w dealer 15 Sep 2011 (Forum)
  Would a good spec one year old be a better financial bet - what to watch out for? Either way - how much leverage do ready funds hold over finance - if any? I've seen some substantial freebies that are only available with finance. Not that I'm going that route. How much can I bargain if I don't go for a default spec but want extras and what would be the waiting time be for delivery?
• Ford Focus - 2010 Focus New or Used 29 May 2011 (Forum)
  I have been to a couiple of garages and seen new 2010 1.6 zetecs for around £13k with 3 yr warranty, first year tax and roadside assistance included along with 0% finance with a 40% deposit. Used ones appear to be about £8.5k but the finance deals seem to be 10% or more. Taking everying into account the new one would not cost much over 3-5 years, is it worth it?
• Never a WORSE time to buy on finance.... 5 Dec 2008 (Forum)
  I thought I would start this thread as the polar opposite to the other current thread "Never a better time to buy - if you have money" Because if discussing...
• Dealer interest rates 12 Mar 2005 (Forum)
  After many years of company car driving I'm opting out and looking at buying a nearly-new car over the weekend. I was all set to raid my savings and pay cash but was amazed that the dealers opening offer on finance was at 3.6% flat. Considering that my money (in my wife's name, 20% tax rate) in an Internet account that pays 3.8% after tax, I'm wondering if I'm missing something here?? I know there are some charges involved and the APR is higher than the flat rate but even using the Intelligent Finance ad on this site with APR 6.1% the payments are actually marginally lower.
• Dealers 10 Mar 2003 (Forum)
  I made an offer for the car, subject to RAC vehicle inspection and my own inspection. This was agreed and I contacted RAC. They immediately did an HPI check and found a finance agreement ouitstanding. The local dealer said that this was normal and that they would settle the agreement before selling the car to me. Shouldn't they clear a finance agrement on a car BEFORE they offer it to a customer?