Forum Replies Created
There not there making profits due toi the high resale prices of used cars and alot of cars have risen as much as 26% in the last couple of years. prices will rise again soon as it’s costing them more in energy costs also, than it was before. So they selling/making less cars but making more profits. plus there’s not the huge amount of cars sitting around as before and vertu group ceo said recently thats the new model and they don’t plan to go back to how it was before.
Half Year Report 2022
Yep they sure are it’s run like the lottery and then they give away the excess made to good cause of a disabilty nature and not really back to those on the scheme. That’s another reason i left the scheme recently after 11 years and 4 cars on the scheme. My milage has also dropped alot and only doing 5/6 a year half of what i was doing. so they get a car back with well less than the 60k allowance they provide and what do you get back nothing..you add extras and pay an ap what do you get back after they make more from the sale than a standrad car.. nothing.
With rising ap’s the car i recent bought has risen another £500 which was an increase of 50% this 1/4 and i only see it getting worse. mb the charity is giving away 50m to good causes. we get a one off £250 towards your next car imo it’s an insult.June 29, 2022 at 10:33 am in reply to: Motability won’t let me wait for a new number plate #189453
Cancel the order now and walk away then, or purchase a private plate then no one will know what yea/plate it is, if it bothers you that much. Clearly it must do.
After all your leasing a car not buying one, if you do buy it at any point from mbo then that will be reflected in the book price you will pay..
Each manufacturer would have to setup some charity to run that scheme and it’s just not viable. Plus how else will MBO have a monopoly, so they can raise slush funds to donate to other causes outside the scheme, from the profit they make from the scheme and us..
Meinwhile the ceo of mbo said they sorry but ap’s will have to rise going forward..
I left the scheme a few weeks ago and bought a new car as i don’t see leasing being as good an option as it was for me in the past. All things considered, alot is to do with the high ap’s, lack of choice, huge waits for cars and the profits they are making from us that are not really being handed back down. It is a shame there is no other alternative to vat free disabled motoring.
Motability agree a price with the manufacturer, not the dealer and the dealer can buy cars direct from the manufacturer, as well as placing factory orders for customers cars with the manufacturer. At whatever price they sell cars, they order themselves, is up to them, often under the mrp. Clearly right now they won’t sell as low as mb paying for them. So that’s the real issue.
It’s not them being discriminatory, it them saying to you not at the price mb are offering or have agreed with the manufacturer, on cars they have ordered for themselves to sell..
To get one at that price you need to place a factory order with the manufacturer and they will act as the broker between the 3 parties, The manufacturer, mb and us the leasee, for that they get a small fee..
Them refusing to do that would be discrimination. That’s one reason i believe some car manufacturers have removed themselves from the scheme altogether and i don’t see them rushing to rejoin anytime soon..
I just left the scheme and bought a car that a dealer had on order, got a great deal and 0% apr.
Not from my local dealer, they had no cars on order and said sept/oct at earliest. so got one from a dealer 70 miles away in Dudley, which from paying the deposit arrived in 4 weeks.
I do get your frustration but i only see it getting worse for the scheme, unless mb offer more £££ for cars which will mean us paying higher ap’s. Which is one of the main reasons i left the scheme now and had been looking to maybe do so for quite a while.
In the last few years some car prices have risen 26% and how much has the allowance we get risen, a few pounds evey year. it just ain’t kept up. Now energy prices have risen also, so the costs of making cars will increase even more. Where this leaves the scheme is for me not viable or justifiable anymore to lease a car.. with such high ap’s.
se you starteted a thread on vauxhall’s q3 ap’s and they have risen so maybe an idea to place an order now.
I feel sorry for those who want to join the scheme and have no car or those who extended for 5 years and have been told they must order something asap or leave the scheme. MBO don’t really care, actual cars on the scheme have drop by 75% but they made bumper profits and Mb the charity are giving away 50m to other disabled causes from the profits from us and not directly back into the scheme.
If you do not apply for, and receive, a new Certificate of Entitlement to DLA, PIP, CDP, ADP,
AFIP or WPMS when you change your vehicle, you will not be able to apply for free vehicle tax.
I guess you’d have to contact the dept who pays the WPMS
Veterans UK Helpline
UK only: (freephone) 0808 1914 218
Overseas: +44 1253 866 043
You’ll usually be able to change tax class at a Post Office, but in some cases you may need to apply by post.
As far as i know you cannot just transfer it over to another car you need the certificate of exemption.
I contacted hmrc for mein on 13th of june and it’s still not arrived they said 7 to 10 working days. Dealer taxed the car for a year as it was a new car but either way you cannot have a car on the road without tax. So If you don’t have the certificate of exemption you’llhave to tax it till you do then they will refund you for every whole month.
I’ve always had a test drive on every car I’ve had on the scheme often back to back if there’s more than one option on my final shortlist, that ticks all the boxes i need.
My 1st car on the scheme I remember well, had a test drive in the nissian Qashqai and then in the citroen c3 straight afterwards as the ap was £0 and fuel consumption was better.
Hadn’t even got out of the dealers before i was Thinking i don’t want it, as it drove horrible compared to the qq and the handbrake was so low on the floor it aggravated my back. So if you are able to do so i would highly recommend having a test drive. I do get what some are saying that they cannot physically test drive a car without adaptions but if you can then worth travelling to another dealer that can offer a test drive.
Often the car you can test drive is not the spec you maybe ordering but often you can sit in and check seats etc in one, somewhere, even after ordering if it’s a new model like the Ariya you could cancel the order if it didn’t work for you.
Few weeks ago I left the scheme and bought a new car the auto i drove on test drive was a 2019 that they had for sale didn’t have all the tech the newer model has and was a 1.0l not a 1.4l but the auto box and trim was the same. Personally i just cannot justify such high ap’s to lease a car, amongst a few other reason as it’s right for me and thats the biggest thing.
Whatever you decide make sure it’s right for you or you maybe, may have to order another car and wait again and pay a termination fee or keep a car your not really happy with.
That’s why you have to agree when ordring the car is suitable for you and if i guess it happens too many times then they won’t allow you to change the car before the 3 years is up.
I paided £50 termination fee as I’ve had 4 cars on the scheme and is the 1st time i have cancelled early. Plus with many current long wait times for cars, that wasn’t really an option for us right now as the current car we had just was not suitable anymore.
whenever I now drive a manual, it’s usually a loan or hire car and I cannot wait to get my auto back.
Hidden Alliance of former WEF Young Global Leaders working in Lockstep to enforce the Great Reset include Macron, Trudeau, Ardern, & Boris Johnson
A hidden alliance of political and corporate leaders is exploiting the pandemic(and now the ukraine crisis) with the aim of crashing national economies and introducing a global digital currency, and these leaders include President of France Emmanuel Macron, Prime Minister of Canada Justin Trudeau, Prime Minister of New Zealand Jacinda Ardern, and Prime Minister of the United Kingdom Boris Johnson.
This isn’t fiction, it’s fact. Just listen to the President of the World Economic Forum, Klaus Schwab, himself say the following –
“I have to say when I mention or names like Mrs Mirkle, Vladimir Putin and so on they have all been Young Global Leaders of the World Economic Forum, but what we’re really proud of now is the young generation like Prime Minister Trudeau, the President of Argentina and so on. So we penetrate the cabinets.
Members of the school’s very first class in 1992 already included many who went on to become important liberal political figures, such as Angela Merkel, Nicolas Sarkozy, and Tony Blair.
Will Lithium Prices Kill Demand for Electric Cars?
Prices have increased by 500% in the past year. Car prices will follow.
Why Electric Cars Won’t Save Us: There Are Not Enough Resources to Build Them
British scientists do the math and find that we come up short for cobalt, lithium and copper.
TreeHugger previously covered the UK Committee on Climate Change report, and complained that that it was too much business as usual, particularly with its suggestion that electric cars could replace all the ICE (internal combustion engine) powered cars in the UK, and its lack of interest in alternatives.
Now, a letter from the Natural History Museum’s head of Earth Sciences, Professor Richard Herrington, along with other experts, points out the scale of the problem of building so many electric cars. They calculate that, even with the most efficient batteries available, full electrification of the auto fleet by 2035 would need a lot more mining.
The worldwide impact: If this analysis is extrapolated to the currently projected estimate of two billion cars worldwide, based on 2018 figures, annual production would have to increase for neodymium and dysprosium by 70%, copper output would need to more than double and cobalt output would need to increase at least three and a half times for the entire period from now until 2050 to satisfy the demand.
It would also take a lot of energy to make these cars:
Energy costs for cobalt production are estimated at 7000-8000 kWh for every tonne of metal produced and for copper 9000 kWh/t. The rare-earth energy costs are at least 3350 kWh/t, so for the target of all 31.5 million cars that requires 22.5 TWh of power to produce the new metals for the UK fleet, amounting to 6% of the UK’s current annual electrical usage. Extrapolated to 2 billion cars worldwide, the energy demand for extracting and processing the metals is almost 4 times the total annual UK electrical output.
And then, of course, there is the electricity required to power all these electric vehicles. Building wind farms to generate that much would require more copper and more dysprosium, and building solar farms requires yet more high purity silicon, indium, tellurium, gallium. Professor Herrington notes:
The urgent need to cut CO2 emissions to secure the future of our planet is clear, but there are huge implications for our natural resources not only to produce green technologies like electric cars but keep them charged.
Seen in the south of France: e-bikes for mail delivery/ Lloyd Alter/CC BY 2.0
As I noted in an earlier post on copper, we have to stop talking about how electric cars will save us; it takes too much stuff to make them all, puts out too much upfront carbon, and nobody is going to make enough of them fast enough. All that copper and lithium and nickel and aluminum and steel has to come from somewhere. We have to look at getting people out of cars, at making it easier for people to use e-bikes and cargo bikes, transit and feet.
Again, this is why we go on about sufficiency all the time. What is the best tool for the job? Cars are convenient for some, but we can’t just build electric powered two and three ton boxes moving one person a few miles. We have to look at alternatives that use less stuff more efficiently. Electric cars won’t save us.
Leading scientists set out resource challenge of meeting net zero emissions in the UK by 2050
A letter authored by Natural History Museum Head of Earth Sciences Prof Richard Herrington and fellow expert members of SoS MinErals (an interdisciplinary programme of NERC-EPSRC-Newton-FAPESP funded research) has today been delivered to the Committee on Climate Change
The letter explains that to meet UK electric car targets for 2050 we would need to produce just under two times the current total annual world cobalt production, nearly the entire world production of neodymium, three quarters the world’s lithium production and 12% of one year’s total annual production of mined copper.
A 20% increase in UK-generated electricity would be required to charge the current 252.5 billion miles to be driven by UK cars.
Last month, the Committee on Climate Change published a report ‘Net Zero: The UK’s Contribution to Stopping Global Warming’ which concluded that ‘net zero is necessary, feasible and cost effective.’ As a major scientific research institution and authority on the natural world, the Natural History Museum supports the pressing need for a major reduction in carbon emissions to address further catastrophic consequences of climate change. Using its scientific expertise and vast collection of geological specimens, the Museum is collaborating with leading researchers to identify resource and environmental implications of the transition to green energy technologies including electric cars.
A letter which outlines these challenges was delivered to Baroness Brown, who chairs the Adaption Sub-Committee of the Committee on Climate Change.
Prof Richard Herrington says: ‘The urgent need to cut CO2 emissions to secure the future of our planet is clear, but there are huge implications for our natural resources not only to produce green technologies like electric cars but keep them charged.
“Over the next few decades, global supply of raw materials must drastically change to accommodate not just the UK’s transformation to a low carbon economy, but the whole world’s. Our role as scientists is to provide the evidence for how best to move towards a zero-carbon economy – society needs to understand that there is a raw material cost of going green and that both new research and investment is urgently needed for us to evaluate new ways to source these. This may include potentially considering sources much closer to where the metals are to be used.’
The challenges set out in the letter are:
The metal resource needed to make all cars and vans electric by 2050 and all sales to be purely battery electric by 2035. To replace all UK-based vehicles today with electric vehicles (not including the LGV and HGV fleets), assuming they use the most resource-frugal next-generation NMC 811 batteries, would take 207,900 tonnes cobalt, 264,600 tonnes of lithium carbonate (LCE), at least 7,200 tonnes of neodymium and dysprosium, in addition to 2,362,500 tonnes copper. This represents, just under two times the total annual world cobalt production, nearly the entire world production of neodymium, three quarters the world’s lithium production and 12% of the world’s copper production during 2018. Even ensuring the annual supply of electric vehicles only, from 2035 as pledged, will require the UK to annually import the equivalent of the entire annual cobalt needs of European industry.
The worldwide impact: If this analysis is extrapolated to the currently projected estimate of two billion cars worldwide, based on 2018 figures, annual production would have to increase for neodymium and dysprosium by 70%, whilst cobalt output would need to increase at least three and a half times for the entire period from now until 2050 to satisfy the demand.
Energy cost of metal production: This choice of vehicle comes with an energy cost too. Energy costs for cobalt production are estimated at 7000-8000 kWh for every tonne of metal produced and for copper 9000 kWh/t. The rare-earth energy costs are at least 3350 kWh/t, so for the target of all 31.5 million cars that requires 22.5 TWh of power to produce the new metals for the UK fleet, amounting to 6% of the UK’s current annual electrical usage. Extrapolated to 2 billion cars worldwide, the energy demand for extracting and processing the metals is almost 4 times the total annual UK electrical output
Energy cost of charging electric cars: There are serious implications for the electrical power generation in the UK needed to recharge these vehicles. Using figures published for current EVs (Nissan Leaf, Renault Zoe), driving 252.5 billion miles uses at least 63 TWh of power. This will demand a 20% increase in UK generated electricity.
Challenges of using ‘green energy’ to power electric cars: If wind farms are chosen to generate the power for the projected two billion cars at UK average usage, this requires the equivalent of a further years’ worth of total global copper supply and 10 years’ worth of global neodymium and dysprosium production to build the windfarms.
Solar power is also problematic – it is also resource hungry; all the photovoltaic systems currently on the market are reliant on one or more raw materials classed as “critical” or “near critical” by the EU and/ or US Department of Energy (high purity silicon, indium, tellurium, gallium) because of their natural scarcity or their recovery as minor-by-products of other commodities. With a capacity factor of only ~10%, the UK would require ~72GW of photovoltaic input to fuel the EV fleet; over five times the current installed capacity. If CdTe-type photovoltaic power is used, that would consume over thirty years of current annual tellurium supply.
Both these wind turbine and solar generation options for the added electrical power generation capacity have substantial demands for steel, aluminium, cement and glass.
The co-signatories, like Prof Herrington are part of SoS MinErals, an interdisciplinary programme of NERC-EPSRC-Newton-FAPESP funded research focusing on the science needed to sustain the security of supply of strategic minerals in a changing environment. This programme falls under NERC’s sustainable use of natural resources (SUNR) strategic theme. They are:
Professor Adrian Boyce, Professor of Applied Geology at The Scottish Universities Environmental Research Centre
Paul Lusty, Team Leader for Ore Deposits and Commodities at British Geological Survey
Dr Bramley Murton, Associate Head of Marine Geosciences at the National Oceanography Centre
Dr Jonathan Naden, Science Coordination Team Lead of NERC SoS MinErals Programme, British Geological Society
Professor Stephen Roberts, Professor of Geology, School of Ocean and Earth Science, University of Southampton
Associate Professor Dan Smith, Applied and Environmental Geology, University of Leicester
Professor Frances Wall, Professor of Applied Mineralogy at Camborne School of Mines, University of Exeter
The A1 and Q2 will be retired after the current-generation models when the A3 will effectively become the entry point into Audi’s global lineup. Further down the line, the company will launch its last new vehicle equipped with a combustion engine in 2026 before ending production of ICE cars in 2033. However, the assembly of petrol-fuelled vehicles could continue for a few more years in China, depending on demand.
So I guess it depends which markets we talking about. here in the uk no ice in 2030 but in the usa maybe baring California, sure they hoping for 2035 for no more ice cars to be sold.
Meanwhile, the lineup will grow to include the Q6 E-Tron due to be unveiled before the end of the year as Audi’s first product based on the PPE platform co-developed with Porsche. In China, a Volkswagen Atlas-based SUV is said to arrive in 2022 with the rather confusing Q6 moniker. Also coming this year is the facelifted E-Tron, believed to change its name to Q8 E-Tron to better reflect its positioning in the range.
What this tells me is that only those rich enough will be able to own/drive an audi.
The real goal/agenda is to stop the masses driving at all.. Nothing happens overnight it’s a slow process so you don’t really notice till it’s to late. Pretty much like buying a house is now, owning a car will be out of the reach of many.
I cannot justify leasing on the scheme at current high ap’s so have just recently left and bought an ice car albeit a mild hybrid. which I might keep for the rest of my life, or until they ban the sale of replacement parts for ice cars and no mechanics will touch them or know how to fix them.
One huge factor is the raw materials needed for ev’s are limited and there’s nowhere near enough on the planet for cars currently just in the uk to be ev’s, never mind the world.
It’s no real surprise to me at all and is the real reason smaller cheaper cars will be dropped in favour of higher end cars.
This whole situation is being social engineered, pretty much the 4th industrial revolution is coming and the wef / un will put in place the structure so it does happen and all the companies and goverments will adopt and implement it.
Audi have taken the Q2 off the shelves globally. Audi’s spokesperson confirmed that the German carmaker is not looking forward to a second-generation model of the Q2. In addition to that, Audi have also pulled the plug on the A1 supermini which was on sale in international markets. Going forward, Audi will place their focus on bigger products that return higher profits.
The A1 and Q2 will be retired after the current-generation models when the A3 will effectively become the entry point into Audi’s global lineup.
So I guess that will mean there still will be a q3 but if it comes back onto the scheme i dread to think what the ap will be considering the ap’s of the q2’s which is the only audi currently on the scheme.
1 year is £250 2 years £400 and 3 years £600
I just recently dropped my car off at the dealers I was buying my car from, just told them that would be where was best for me. Got my cheques a few day later. 1 for gcb one for pro rata of the ap paid.
I handed mein back a year early, but pretty much is the same process as at the end of the lease.
I am still waiting for the letter of exemption for the road tax from dwp, my v5 has arrived even the letter to say I am no longer the registered keeper of the scheme car has arrived.. So had to tax the car hopefully it comesbefore the end of the month then I can put it on the new car and only lose 1 months road tax.
£5250 over 36 months that’s £145 extra a month on top of the allowance and after you give back the car you get nothing for those extras or the extra book price of a better specification of car, guess who does benefit.
That’s where i see no value at all for me to the scheme, never have. There is no way I would pay that much more, infact I am buying a 25k car and with insurance it’s less than that a month.
I have had 4 cars on the scheme and never added an extra once. Highest ap was last one £1599 dealer contributed £200 only as it had risen £600 from £999 In the time from when i had a test drive to when I could place the order and I just could not afford it, as I was paying for our wedding.
Before it was removed from the scheme sure the ap was £2799 and is hard to suggest it to people at that ap. Arise of £1800 in ap since i first looked at it in late summer 2019, ordered it in jan 2020. I didn’t get it till june because of lockdown seems like the car rose £300 in ap every 1/4.
Like pops says it’s down to you to decide whats best and right now i have decided with all things considered buying is better for me right now and that’s exactly what i have done.
Revenue in the six months to March 2022
increased 6.7% to £2,313.9m (2021: £2,169.0m).
• Rental income increased 4.3% reflecting
higher average customer numbers (with an
incremental 9,800 joining the scheme) and
the effect of the 0.5% uplift in mobility
allowances effective from April 2021. Rental
income in the year to March 2021 was also
net of £32m of insurance related rental
rebates, which distorts the year-on-year
• Notwithstanding a lower volume of vehicles
sold – down 30,000 units compared with 2021
(a consequence of an increasing volume of
lease extensions for existing customers
pending the delivery of their new vehicles)
the proceeds from the disposal of operating
lease assets saw a 8.4% increase in the six
months to March 2022 compared with prior
year, reflecting the elevated sales values
achieved in the used-car market.
Profit for the period was £598.7m, representing
a 10.3% return on assets (above our long-term
target of 1.5%). This above target result is
primarily driven by two effects:
• A gain of £403.9m from vehicle sales (2021:
£78.4m), reflecting the buoyant used-car
market referenced above. The strength of
the used-car market can be directly linked
to the new-vehicle supply-side challenges
faced globally. This has resulted in significant
switching of demand to used cars. Our vehicle
remarketing operation has been able to
effectively capitalise on the conducive
demand conditions in the used-car market,
with average sales values of £15.5k (up 50%)
on prior year not only driving increased
revenue, but leading to crystallised profits
versus the net book value. Whilst this upside
is in part a result of used-car values
exceeding our previous forecast expectations,
this also reflects the realisation of a
proportion of the blocked appreciation which
was carried through the September 2021 year-
end (as signalled in the 2021 Annual Report
• A £311.4m depreciation credit reflecting the
output of the March 2022 fleet revaluation
exercise outlined below.
The result for the first six months of trading
takes restricted reserves on the balance sheet
to £3,480.1m (March 2021: £2,444.7m) providing
headroom above our target position.
In late 2018, Motability received a donation of £400million from Motability Operations. The extraordinary size of this donation was made possible by the unusually buoyant second-hand market, in which cars have been selling consistently at values significantly higher than expected.
Now that market is even higher but only 50m donated. Also they donated money to ukraine recently all while ap’s go up and up and cars on the scheme go down and down.
Truth is as of friday I left the scheme and am no longer gonna be lining their pockets to donate to other causes. Went to the bank today to deposit my 2 cheque’s one for gcb and one for part of the ap i paid.
I see no value for me in paying a large ap to lease a car that suits my needs, there are so many reasons now why I see the mb scheme as less attractive to me and them giving huge amounts away which is raised from us is just another in the long list.
£250 towards your next car is an insult, when they are clearly making huge profits. We all could and should apply for grants, then they’d be in trouble. I’ve never bothered to apply as Ap’s was affordable but currently and I think moving forward, as more and more cars become bev’s or phev on the scheme.
Ap’s are not justifiable and that is a huge reason why i left now rather than in just over a year, when my lease would of ended. I got more back now than I would then and the 0% deal on the Vitara I got was to good to ignore.
I’m liking it alot and has just been placed no1 as the most reliable suv in a survey by what car.
Ordinarily Tardelli, one should not be worried, The specific model’s Ap will be honoured at the price you ordered it at, regardless of how long it takes to turn up.
The issue might be that, The specific model in the format it was in might not now be available and if it was to come back onto the scheme In a new format/spec it would have a different reference number assigned to it. Then you know something has changed.
If the ap has changed also in those circumstances then the ap you agreed might not be honoured. That really depends on the manufacturer.
Likewise if some specs have been dropped, due to supply issues they may say the ap you agreed stands. You then have a choice to make, to accept it as is or decline the car.
That’s if the car turns up and the order is not cancelled by the manufacturer as some have done as it is no longer making those models or rebranded the trim levels etc and cost have risen hugely, especally for those waiting over a year.
Truth is no one really knows.
What was you told when ordering the car as to the delivery date?
There was someone else who was getting a mini and I remember them saying the specs had changed or the packs they added on to it had changed. Maybe they know more.
Maybe have alook on the mini site and compare the trims to what you actually ordered or contact the dealer directly. Although dealers don’t know everything about every car and the specs or how certain features actually work. So i find it best to actually check myself.
I have just left the scheme and bought a new car. The car I wanted, in the trim and engine combo is not currently on the scheme.
My local dealer could only place a factory order and said the earliest would be Late September and slots were already filled so it would have to be one of the colours available, to get one then.
However via what car, I was contacted by a dealer asking if I was still interested from a previous search and offers given to me. He said they had cars coming that was on order that would arrive in 3 to 4 weeks.
So I ordered on 12th of may and picked up the car on friday the 10th of june. Got free mats and a full tank of juice and didn’t even ask for it..
So I think it really depends on the timing.
The dealer I got the car from has ordered the cars but my local dealer has not and I can see why any surplus In the system may not be offered to the scheme users because of the discount they get from the manufacturers.
There is nothing stopping you placing an order via the scheme into the system but it depends on the manufacturer as to when it will be built and arrive, As I could of done and you’d have to wait and maybe there’s delays and dates are pushed back due to the next crisis and global supply issues.
I don’t think it’s just mb customers being pushed back.
The big problem is many cars have more orders than they can supply and the big dealers can place orders before any consumer or pickup any slack in the schedule and have no real issue selling them right now.
Personally I don’t see much changing anytime soon, it’s the new normal as the vertug roup ceo was saying recently and is one of the reason I decided now was the time for me to leave the scheme.
I am paying more than on the scheme yes, but when my Hp term is up I will have around a 12.5k asset and I’m paying no interest. Which Is a huge Incentive to me.
There’s alot more reason’s also, like the wait on the scheme and the huge Ap’s and coming legislation etc etc
So for me it was the right thing to do, before some say about not getting credit, I would consider myself on a low income, as my conditions prohibits me from working, I got approved on my income alone.
Right now also I don’t think I could wait a year+ as some are having to do, as the current scheme car was Just not suitable anymore due to condition changes not just in my condition but in my wife’s. We also annually, doing half the mileage we was doing.
So really the scales have been tipped more in favour of ownership than leasing.
I got one today but you won’t see it otr as it’s on a private plate. Not on the scheme though, I terminated my contract today and handed the car back to dealer I got the new one from. So now I own a car rather than leasing one. Great deal, free mats and a full tank of juice as well.