Tag Archives: car shopping

Buying a car in tears…

Screenshot-4A recent Inside Out South on BBC TV featured a lady who had a nasty car shopping experience involving an unscrupulous car dealer in Hampshire.

Her husband suffers from dementia, they drove a smart and immaculate low mileage 59 plate Citroen C3 and they’d been tempted by a VIP invitation to attend a car showroom sales event. No harm in that, surely?

When they got there the wife was sufficiently impressed by the promotion to say she was interested in a new car and to pay £1000 deposit towards a new car. I didn’t catch the model concerned.

A little later on, the car in question was delivered to her door. It wasn’t new, it had higher mileage than her C3 and there were considerable signs of wear and tear. It looked much worse than her own car. Needless to say she said she wasn’t happy and didn’t want to buy this. “Can I have my money back?”

Out came the verbal thumbscrews.

“You said you wanted this.” “I got this car specially for you.” “The deposit is non refundable”… as this unscrupulous salesman digs in for his commission here.

Then we heard about the price. A car that was worth £4240 as a trade price had been valued at £2700 when used in part exchange. A £1500 rip off and that’s before they marked it up on their website to £5800. Outrageous.

Happily she had family to turn to (often they don’t) and presumably the son or daughter alerted Jon Cuthill at the BBC. Needless to say, in the face of this publicity, the dealer admitted defeat, said they would not take things further and gave the lady her money back.

She’d learned a big lesson. Don’t pay a deposit for a car you haven’t seen. Or when you’ve got a perfectly nice and fairly new one…

Stress had taken its toll of course. Nobody gets compensation for feeling daft.

“I never thought I’d buy a car in tears.”

“I wake up in the morning and wish this would go away.”

“I’m scared they’ll come and take our car away.”

“It completely ruined a special anniversary.”

But as the likes of consumer programmes know, to get the customer out of tricky situations like this often involves promising not to tell others the name of the business. That’s what irritates me most because I fervently believe in naming and shaming – especially in an industry where salesman don’t have to be licensed to sell us cars ethically. And where too many salesmen are totally unprincipled here, targeting vulnerable ladies as was the case here.

Yes, we’ve had to remove public blogs to get members a settlement too… but only after we’ve told local ladies the facts and who the offender was. This is what we do within the Club after giving a business time to put things right where possible.

If the business doesn’t budge and clearly doesn’t care, we award them Red Cards and keep poking them via blogs like this and using social media. I wish I knew the car dealer in Hampshire that used such bully-like tactics here. I’d be delighted to give them a good poke today…

FOXY

The demise and deceit of diesel cars

We’re told that by 2040 there won’t be diesel (or petrol) cars on UK (or French) roads.

But with progress running at the pace it does, perhaps this will happen sooner.

So what’s the problem now, you might ask?

The problem is to do with pollution, when we buy diesel cars with high levels of NOx.

This matters most where pollution levels are high, in cities in particular, because our health and that of pedestrians can be affected.

I am always surprised that so many motorists turn a blind eye to this sort of thing when CO2 emission details are available in the public domain. Maybe it shows the power of a trusted brand. Or a more Clarkson-esque attitude in favour of a car’s driving performance and looks? But were so many of us wise to trust car manufacturers to take care of this for us?

Dieselgate

An added concern is the Dieselgate scandal that is unfolding in the UK as I write this.

Amazingly motorists are still buying cars from manufacturers that have defrauded others here. Were VW a bank or a politician, for example, we’d be spitting abuse at them using social media. And yet we seem to buy VW Group cars with abandon – letting fleet sales shore up stakeholder profits…

As I see it, VW should be held to account for
+ fraudulent behaviour
+ addressing car performance problems after the dieselgate ‘fix’ – UK law firm Harcus Sinclair reports that out of 9,500 VW Group owners, 5,052 have reported problems with their car after their emissions fix.

We’ll have to wait for the Government’s Transport Select Committee to report on this matter to know what our options are in the light of the US lawsuit and partial settlement of $15.3 billion (£12.3 billion) for affected US motorists.

Car Models with Diesel Concerns

So, which are the stated ‘best cars’ with unacceptably high emissions and which are the models involved in the Dieselgate scandal?

I have been reading the Which? Car Guide 2017/18. They’ve clearly struggled with the ethical debate of listing offenders as ‘Best Buys’ (the Audi A3 Saloon is a good example here with emissions so high they wouldn’t pass the ancient Euro 1 standard) so instead they’ve listed their ‘best’ car choices by category and flagged them up with either Emissions Warning (EW) or Dieselgate (DG) so we know what we are buying, in future.

The following manufacturers and models are listed by Which? as a best car in their category despite an ‘Emissions Warning (EW)’ or Dieselgate (DG) flag.

Audi A1 (2010-) DG
Audi A3 (2012-) DG
Audi A3 Cabriolet (2014-) DG
Audi A3 Saloon (2013-) DG & EW

BMW 2 Series convertible (2015-) EW
BMW 4 Series Gran Coupe (2014-) EW
BMW 6 Series Coupe (2011-) EW
BMW X3 (2010-) EW

Citroen Berlingo Multispace (2008-) EW

Ford Focus (2011-) EW
Ford Galaxy (2015-) EW
Ford S-Max (2015-) EW

Honda Civic (2012-2017) EW

Hyundai i10 (2014-) EW
Hyundai i40 (2012-) EW
Hyundai IX35 (2010-2015) EW

Kia Sportage (2016-) EW

Lexus IS (2013-) EW

Mercedes-Benz SL (2012-) EW

Mini (2014-) EW

Nissan Pulsar (2014-) EW

Porsche 911 Carrera (2012-) EW
Porsche Cayenne (2010-) EW

Seat Alhambra (2010-) DG
Seat Ateca (2016-) EW

Skoda Octavia Estate (2013-) DG & EW
Skoda Superb Estate (2010-2015) DG

Toyota Aygo (2014) EW
Toyota RAV4 Hybrid (2016-) EW

Subaru Outback (2015-) EW

Toyota Yaris (2011-) EW

Volkswagen Polo (2009-) DG
Volkswagen Sharan (2010-) DG
Volkswagen Tiguan (2016-) EW
Volkswagen Up (2012-) EW

What Should You Do?

1) If you have a choice, don’t buy a car with an emissions warning. Not just because you will likely struggle to sell it afterwards but because it is harming the planet and another human being could suffer by your action. If that doesn’t matter to you, you won’t be reading my blog.

2) If you own a car with an emissions warning you might want to sell it/trade it in for a newer car sooner rather than later. It doesn’t solve anything but it becomes someone else’s problem when values drop.

3) If you own a Dieselgate (DG) car that’s either been fixed or awaiting its fix – be sure to document the outcome*. You will likely have to have this ‘fix’ done because VW is threatening to de-register any car that isn’t fixed within a given period. Please see Honest John’s comment in the above image – we read of many cars suffering this ‘limp mode’ experience which could be scary on the likes of motorways, for example.

*Despite VW’s efforts to be (seen as) squeaky clean here, there may come a time when motorists are required to prove any detriment to claim fair compensation.

4) Finally if you are considering buying a car with either warning, I suggest you think again. There are other cars in your category that are as good and that don’t come with a health or fraud warning. Unless of course you’re considering buying a car that isn’t in the latest Which? Car Guide? In which case PLEASE do your homework thoroughly to find out why it isn’t a best buy and whether you’d do better buying one that is.

Club members can ask us for advice of course. Here’s where to join us.

FOXY

Using PCP to buy a new car

When I was young I was taught to save before I bought things. In fact I don’t think my Mum ever owned a credit card.

OK this philosophy doesn’t apply when buying a house but it has always informed my car shopping behaviour.

If I haven’t been able to afford the wheels I wanted, I have either made do with an older car, moved down a brand or used a personalised FXY number plate which I still have.

But apparently nobody saves to buy a new car nowadays so it’s time to get with the beat and understand how the PCP model works.

The PCP car ownership finance model

The market for new cars has been fuelled by competitive finance rates, a tendency for some dealerships to stockpile pre-registered cars at a discount and the ease of car finance methods called Purchase Contract Plans (PCP) and leasing arrangements.

Apparently anyone still wanting to buy a car using cash (older drivers we’re told) may be paying over the odds doing this – how confusing is that? This is because the car salesman is incentivised to sell you a finance deal from the manufacturer that enables him to earn more commission AND discount the car by more than he could do if you paid cash.

Keeping matters simple here, if you have a spare couple of hundred pounds a month (and often much less) you could be driving a brand new small family car and, depending on your contract/likely depreciation/annual mileage you could be able to trade up to a newer/flasher model in Year 2 or 3 and keep paying the same or a lower monthly bill.

Most contracts give you the option to buy out at the end of the period with what is called a balloon payment but I was reassured that 95% of motorists that have chosen to buy a car this way don’t; they simply swap cars and keep going.

Experian research tells us that one in five 18 to 24 year olds lease their car as in hiring one with the majority of cars costing more than £11,000 and nearly four out of ten paying for this by credit of some sort. Whereas 68% of drivers in the 46 to 50 age group pay for cheaper cars (worth £8000 or under) using cash.

I also learned that pet owners can be clobbered severely by wear and tear clauses and apparently few motorists know whether they’ve signed up to a contract or leasing plan.

Whilst the younger drivers are more at home with this monthly instalment method of car ownership and financing, increasingly older motorists are learning how to sign up for a PCP deal then using their ‘opt out’ rights to legitimately cancel that arrangement with the finance house ie pay it off using cash.

The more I learn about this car finance model the simpler and more compelling it becomes. For as long as one’s job is secure and there’s no sign of uncertainty on the horizon.

FOXY

Brighton and Hove Motor Show | VIP Guests

This blog is mainly for readers within striking distance of Brighton.

We’re getting very excited.

We’re exhibiting at the Brighton and Hove Motor Show at the fab AmEx Stadium on Saturday 10 June (10am to 5pm) and on Sunday 11 June (11am to 4pm). Please visit us to see what we do to empower women drivers!

There hasn’t been a Motor Show in Brighton for many years but with a venue like this one, riding on the back of the AmEx being a Premiership Stadium now (!!) we’re confident it’s going to become a really memorable and growing annual event.

So we’re delighted to be supporting this, on behalf of women drivers, alongside headline sponsors Mobil1 and Rivervale Leasing as well as leading local dealerships Caffyns (VW/Audi), Tesla, Lookers (Mercedes/Smart), Yeomans (Toyota), Brighton Mitsubishi, Hendys (Renault/Dacia), Tates (Citroen/DS/Hyundai/Kia) and Porsche Centre Mid Sussex.

We’ll be asking them all, via Twitter (@FOXYTweets) which car models they’re bringing for us to see.

You’ll also find Heart Radio, the Platinum Publishing Group and Brighton and Hove Independent, all doing their bit to make sure this show is a success and becomes an annual event into Brighton’s future.

Finally it’s a free to enter event (unlike 2017’s London Motor Show that cost £17), providing you’ve registered in advance and via their website. So you can afford to come!

This is FOXY’s first Motor Show ever and we’re determined to bring a distinctly female flavour to balance out a likely male bias “because women drive as well as men… and often a lot better.”

Haha. Sorry guys. But the important thing is that we women influence between 80-90% of all car sales so it’s best to get us involved at the earliest possible stage!

A Family Day Out in Brighton

Yes, if fast (gorgeous looking and exotic) cars float your boat, driven by James Bond lookalikes of course, there’ll be lots of performance cars at the Brighton and Hove Motor Show and leading Sussex dealerships a-plenty organising test drives we’re told.

As you might expect, FOXY’s more at home in the Family Zone (that’s the Falmer side of the AmEx) relatively close to the Go Kart track and with a Bouncy Castle and Top Gear simulator as our family fun neighbours. Cool!

We look forward to meeting Brighton based Mumpreneurs and Athena business network members as well as all local motoring mums and daughters of course.

And there’s something in it for you all so DON’T PASS US BY…

OK, we’re not planning to be as physically active or demanding as they will be .

Instead, we’re offering pre-registered female drivers a number of FREE lifetime online gift subscription to FOXY Lady Drivers Club, on a first come, first served basis.

Come and activate yours at the FOXY stand, to enjoy really useful support services that put females first – like preferential car insurance, affinity car buying deals, motoring offers, VIP treatment and a whole package of stress-busting* support services.

*We know from experience that motoring can be very stressful for many females. Too many of us suffer from serious anxiety as a result of accidents, road rage, partner criticism, motorways and the total responsibility for the safety of any child passengers.

Please consider timing your visit to coincide with one of our VIP Guest visits. In this way you can find out about the likes of learning to drive, tyre safety, organising motoring events (at clubs, employee staff rooms, associations, dealerships) and driving overseas perhaps.

The following VIP Guests will be attending the FOXY Lady Drivers Club stand in the Family Zone, close to Entrance A (ie outside the Club shop in the Seagulls Fan Zone area). NB: This schedule may be updated via social media ie Twitter, on the day..

This is YOUR chance to visit the FOXY Lady Drivers Club stand to find out about the following motoring and business related topics.

ABOUT LEARNING TO DRIVE AND CHANGES TO THE DRIVING TEST

Saturday 10 June – 12 noon to 1pm

VIP Guest – Sue Blinco from Sussex Driving School.

Sue is highly qualified (one of the best qualified there are) and a FOXY Lady Approved Driving Instructor as you’d expect.

If you have a rising 17 year old who is keen to drive, this is your chance to ask Sue for advice or about changes to the Driving Test. And if you’re a nervous driver, ask her (and FOXY) for recommendations.
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ABOUT DRIVING – AS A WORKING MUM

Saturday 10 June – 2pm to 3pm

VIP Guest – Claire Jones-Hughes of Claritas Media.

Claire is an expert in all matters social media and manages the busy Mumpreneurs Network in Brighton.

She’s also a francophile with lots of experience of driving in France – and useful tips to share.

Come and talk to Claire about family motoring at home and in France. She knows how important your car is and how tricky it can be to manage its care, alongside family and work.

You could also ask her about The Mumpreneurs Networking Club in Brighton.

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HOW TO ORGANISE A MOTORING EVENT FOR WOMEN/STAFF

Saturday 10 June – 3pm to 4pm

VIP Guest – Steph Savill – FOXY Lady Drivers Club Founder

Whether you are a female friendly employer, organise a club or an association of sorts it makes good sense to organise a motoring event designed to appeal to men and women alike, to raise their awareness of the important safety-related issues they need to know.

So why not discuss this with me on the day and see how I can help?
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ABOUT DRIVING IN FRANCE

Sunday 11 June – 12 noon to 1pm

VIP Guest – Kicki Smith – ITE Travel Expert in Sussex.

Kicki is a member of the Athena Brighton South Downs Group and a veritable travel expert so she can help you organise your motoring holiday of course.

But today she’s on hand to tell you what you need to know about about driving in France. More rules bien sur… so we all need to know the latest savvy motoring hacks.

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ABOUT TYRE SAFETY

Sunday 11 June – 2.30pm to 3.30pm

VIP Guest – Steph Savill – FOXY

A subject dear to my heart – to keep you, your family, other motorists and pedestrians as safe as possible.

If nothing more, at least I can show you how to do the 20p tyre tread safety check and give you some simple tyre safety advice face to face.
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But if none of these topics hit the spot for you, come say hello and leave us any questions/messages in our Brighton and Hove Motor Show Visitors Book and we’ll get back to you during the following week.

Here’s how to find out what FOXY Lady Drivers Club does to empower women drivers in their motoring lives.

I hope to see many of our Club members at the AmEx on 10-11 June! Be sure to say hello.

FOXY

We’ve driven a safe Volvo deal for Club members

Club members enjoy fantastic Volvo deals
In case you need reminding, FOXY is all about saving Club members’ money when it comes to motoring bills in 2017.

So, when it comes to buying a new car, we recognise that this is a significant investment when it’s extremely important to be sure you’re getting the best possible deal, ideally without having to haggle, and from a business you know you can trust.

Thanks to Volvo’s Affinity programme, Club members have that reassurance and access to a variety of discounts and offers. That means you can get your hands on a brand-new Volvo at a very tempting price.

The Volvo UK dealership network knows that members of FOXY Lady Drivers Club are eligible for special deals – they make it easy for you to talk discounts and finance when the time is right.

If you’re a Club member simply visit your local Volvo showroom to view the range. Then, once you’ve selected the model of your choice, a member of the sales team will talk you through the options.

The three elements of Volvo’s affinity deal

Volvo cars are popular with Club members
The first element of Volvo’s affinity deal is your FOXY Partner discount, awarded as a percentage of the vehicle’s net cost.

This maximises the value of the discount, by keeping the pre-VAT price of the car as low as possible. In consequence, you get more for your money, putting Volvo ownership within closer reach.

The second is the Volvo discount itself. Volvo offers a lump-sum reduction on the net value of their cars which varies by model and means you’ll often secure a new vehicle for what feels like the cost of a second-hand car.

The third element is the option of metallic paint for free. This is usually sold at up to £700 so you have a wider selection of bodywork finishes to choose from when it comes to specifying your perfect Volvo. Without paying extra for metallic paint as so many motorists do.

Added Value Volvo Services

It is also possible to purchase an up-front servicing deal to plan your running costs for the first years of ownership. We offer three years of servicing at a Volvo main dealer for £300 with five years for £500. What’s more, packages like these are sometimes available at no cost to customers taking up a Personal Contract Purchase (PCP) offer. Just ask your local dealer.

If you’d like to spread your purchasing costs and keep interest payments to a minimum, Volvo’s finance deals change over time, but Affinity partners will often benefit from preferential interest rates – including occasional 0% deals that aren’t available to customers outside affinity car buying schemes like FOXY’s.

Finally, if you’d like to personalise your car, a selection of accessories can be added at discounted prices. These could include lifestyle accessories like roof bars, cycling racks, interior mats and dog guards. By clustering these items together in packages, Volvo is able to offer Club members’ significant discounts here as well.

Thanks to Volvo’s Affinity programme discounts, Club members can own their dream Volvo, equipped with their personalised specification, for a surprisingly modest outlay. Of course Volvo Cars are best known for their leading safety features and record but you can also enjoy the elegance, economy and poise that are also characteristics of the brand.

As a Club member you’ll be saving money whilst making a sound investment with a view to a safer motoring future.

NB: Terms apply re membership eligibility and family ownership. For example, you need to have been a Club member for a minimum of six months.
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If you plan to buy a brand new Volvo later in 2017, and you’re not a Club member yet, it will make financial sense to join FOXY Lady Drivers Club at least six months ahead.