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• Ford S Max - Finance or not 20 Jul 2020 (Forum)
  The choice is to go to an independent dealer and part ex my current car and use a no interest credit card to purchase an older model (2010 being max age) with reasonably high mileage or go to a Ford Dealer and get a newer one on finance. I can’t work out if the interest id be paying on finance is worth the added security which will come from having a newer car, with less miles from a main dealership Compared to getting an older model which I own outright.
• Volkswagen Golf - Car Finance - Best Options? 10 Jan 2018 (Forum)
    I'm likely to need a new car before a house (as I'm not sure on area etc. yet and may buy at the end of the year or next year).  Ideally I would buy a house before, assess finances, and then buy a car. However, I'm likely not going to be in this position till the end of the year.  Would you recommend total financing (which will affect mortgage loan) or put a chunk of current mortgage savings in to buying a car and try to get an interest free car loan if any good ones are about?
• Returning Faulty Car? 1 May 2009 (Forum)
  Is it worth calling the finance company and telling them that I'll cancel my Direct Debits until the problems are sorted or is this a no-no?
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  How do I reject a faulty car on finance? 12 Apr 2020 (Ask HJ)
  My new car has broken down three times in less than 12,000 miles/six months with the same fault each time. I have the car on personal contract hire. How...
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  What do I do if the dealer refuses to refund my deposit? 11 Feb 2017 (Ask HJ)
  I've put £100 down for a car and was waiting for the decision of the finance company. I was refused by the finance company and now the dealer won't refund...
• KIA Rio - Lead to apply for finance on a car that was sold 28 Sep 2016 (Forum)
    Today i called the dealer as i hadnt heared anything, only to be told that the car i applied for was sold on saturday, A DAY BEFORE i even applied for the finance. This was the only SR7 in the company and the dealer is now looking for alternative options. The issue is that whatever he come back with, cheaper or not, it isnt going to be the SR7 trim which is the only reason i applied for the finance.
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  Volkswagen won't let me transfer my finance agreement to Guernsey 28 Aug 2013 (Ask HJ)
  We are moving to Guernsey in a few weeks and plan to take our new Volkswagen Up with us. I phoned Volkswagen’s financial service to inform them, but they...
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  Can I end my lease early due to coronavirus? 2 Apr 2020 (Ask HJ)
  Can I return my car due to the coronavirus outbreak? I can't afford the car now. I have about 9 months left till the midway point of the finance agreement.
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  How should my brother-in-law dispose of his Hyundai Coupe which has finance owing? 16 Jun 2011 (Ask HJ)
  My brother in law (who I’d better not name) is due to appear at the Sheriff Court on very soon on two separate drink drive charges in June 2010 and April...
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  Am I okay to install an immobiliser in a car I have on finance, or is that considered a modification? 20 Nov 2018 (Ask HJ)
  I'm awaiting delivery of a new Audi S3 and, following a number of car thefts in my street, I'm looking at buying the Autowatch Ghost immobiliser. Given...
• MG MGF (1995 - 2002) - Finance company 3 Jul 2008 (Forum)
  Hello, I am currently in the process of terminating my finance agreement with the finance company as i am half way through the aggrement. They sent a bloke to inspect the vehilce today from a reputable breakdown company to ensure the vehicle was in reasonable condition.
• Finance PCP - Total Loss Cat N 16 Apr 2024 (Forum)
  I chose to retain salvage of the vehicle as I believe it can be fixed pretty easily. Once it has been fixed and passed its MOT; do I legally have to inform my finance company or do I just continue my monthly payments as normal?   I do understand that at the end of the contract agreement the car will be worth substantially less as it has been declared a cat N.
• Anyone buy on finance and return it after 3 years? 31 Jan 2008 (Forum)
  Hi Looking at whether its worth me doing the type of deals where you buy a car on finance for 3 years, and then return it to them. Cars I am considering inc Suzuki Vitara - as they are doing 0% credit. I currently drive a old Pajero - done me well, but thinking now I fancy a nice bit of creature comforts and wondered if anyone does what I am thinking.
• Finance Insurance 14 Mar 2001 (Forum)
  I have just realised that my car insurance policy does not include additional cover for any outstanding finance should it be written off. My previous insurer did, but in an effort to save money i forgot this when comparing quotes. My new insurer does not offer this option. Does anyone know if I can get cover for this item alone?
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  Can I part-exchange a car on finance? 17 Jun 2016 (Ask HJ)
  I currently have a Hyundai i10 on finance. The car has a year left before I can either return it, pay it off or part exchange. What I would like to know...
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  Legal query regarding dealership in adminstration 16 Jan 2013 (Ask HJ)
  I bought a car from a Vauxhall Dealership about a year ago. As part of the purchase, there was an in-built agreement for five years free servicing. I was...
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  Is this finance organisation trying to scam me or helping to sell my Morris 1000? 25 Aug 2012 (Ask HJ)
  I have just put my 1971 Morris 1000 Traveller on Autotrader to sell and I had a phone call from some finance organisation, saying that for an upfront charge...
• BMW 320td - Taking finance company to court 13 Oct 2011 (Forum)
  A 'Swirl Flap' had broken off and was ingested into the manifold and engine etc repairs have been estimated at approx £4,000.00. I have been trying to hold the finance company to account under the Sale of Goods Act (I have been receiving advice from Trading Standards). The finance company sent out DEKRA to carry out a engineers report. The issue here is if the 'fault' could have existed or been developing when I purchased the car.
• Car finance question - funny one... 25 Dec 2010 (Forum)
  Now I could probably lay my hands on the money, but I don't want to put that big a deposit down - I was thinking about the £4k in the car plus another £4k or so - meaning I'd have to buy the car, trade it in for (say) £22k against a £32k car leaving an initial balance of £10k to finance. However I really want £24k on finance (ie the £18k to buy the car less the £4k I want to put in) so I want another £14k back. Question is - is a finance company likely to be able to cope with this relatively complex situation and do the finance based on £22k but with £14k of it coming to me as cash?
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  What are the pros and cons of leasing a car? 8 Apr 2020 (Ask HJ)
  I'm considering leasing a Ford Mustang and wish to understand the pros and cons of this idea.