[daval1980]

<p style=”text-align: left;”>My wife’s been offered £999 from the motability grant scheme but we aren’t sure if this is also on top of the £750 new vehicle payment and the £300 good condition bonus she should receive when her current lease ends. We presume this will give her £2000 for a deposit towards her next lease, are we correct with this assumption?</p>
We’ve seen a Skoda Enyaq she likes but the deposit is £2099. Reading another post here it suggests she can only put a further 50% towards the deposit so would this be 50% of the grant or has that technically gone over 50% with the £750 and £300?

Sorry if this is confusing, our heads hurt trying to figure it out!

Topic

[kezo]

I’m sure this was mentioned before but, can’t think where.

My honest answer is I’m not sure but, its fair to say, you can use the GCB ontop of any grant awarded, so would assume you could also use the new vehicle payment as well. The grants team wouldn’t offered you a gant imo, if  they were only going to be awarding you £1000, as the other two payments make up this. The fact they have offered £1000 I take it as ontop of the the GCP, NVP making £2000 to be put towars AP, if that makes sense.

Edit: Ignore.

 

• This reply was modified 1 year, 10 months ago by kezo.

[Colin]

I’m absolutely not certain of this but I would think it may be an issue. If you choose to apply both the GCB and NCP to the car, you are choosing to pay a little over £1000 which would absolutely be over the 50% of grant limit.  As the NCP can be paid direct to you after getting the car and the GCB is absolutely paid direct to you after getting the new car then they may both count as your contribution.

At the same time, if they consider the NCP to be a reduction in the AP, then the actual AP is then £1349 which after the £999 grant leaves less than 50% of the grant to cover the difference.

I typed this with one idea in my head then talked myself into the second (completely opposite) possibility so now I’m as confused as you seem to be.

All I can suggest is don’t ask here as I doubt anyone here will know 100% unless they have been in the exact same situation – only option I can think of is ask someone who WILL know, either Motability or the grants team.

It basically all comes down to if they consider the NCP to be your contribution (which technically I think it is as you CAN use it but don’t have to) or if they consider it to be a Motability reduction in the AP.

"Man is born in freedom, but he soon becomes a slave, in cages of convention, from the cradle, to the grave."

[kezo]

Absolutely @Colin In normal circumstances you can only add a maximum of 50% to the grant.

The good condition payment is not taken into account, as it is paid after collection of our new vehicle. That then leaves the new car payment £750, that can be offset agains’t the AP of your new car or taken as payment in the bank.

The grant award, plus a contribution of 50% max give’s £1,500 as a maximum AP. The tricky bit is how the grants department treat the new vehicle pament £750!

i.e if you use the £750 NVP, is your grant award reduced by £250 or do you get this refunded as part NVP payment or do they allow you to add the full £750 NVP to the grant. I don’t know?

[daval1980]

Thanks for all your replies

Had a chat with the grants team today who confirmed you can only put 50% of the award as extra towards a car. Doesn’t matter how you do that, just can’t be more than 50%.

So the NVP could be used in our case but only £500, with the remaining £250 being ours

Not the news we wanted to hear but isn’t the end of the world, could be worse, we could be left without a car

[Callmejohn]

I would argue that the £750 NCP is for everybody and can be taken off the AP then that would leave the AP at £1,350 which would mean that it is less than the 50% of the grant left to pay.

If  you went for a car at £999 and took of the £750 then you are effectively only getting a £249 grant. Nobody should loose out on the £750 NCB as

it is a  separate and one time only offer  by Motability Operations where as the grant is payed by Motability the charity.

The good condition bonus is a totally separate issue as you will not know if you are even getting it until after the whole transaction is over.

I would put that argument to the grants people.

 

[kezo]

daval1980 wrote:

Thanks for all your replies Had a chat with the grants team today who confirmed you can only put 50% of the award as extra towards a car. Doesn’t matter how you do that, just can’t be more than 50%. So the NVP could be used in our case but only £500, with the remaining £250 being ours Not the news we wanted to hear but isn’t the end of the world, could be worse, we could be left without a car

As John says, I would definately speak to grants regarding the £750 NVP payment. I would also speak with Motability on how this would work from the dealers perspective and reassurance you will get the remaining £250.

From my understanding the dealer is set up to allow the £750 NVP to be offset agains’t the AP and not a percentage of.

Again from my understanding if you were to ld to use the £750 NVP by the dealer, would your grant then be reduced to £749 from £999.

I think if it were me (after speaking to Mota and Grant) I would play it safe – If your funds allow you to find £500 to put to the grant it may be the safer bet and have the £750 NVP along with the GCB paid directly into your bank account.

[Author]

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