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TheCountOfNowhere

The Motability Scheme

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http://www.direct.gov.uk/en/DisabledPeople/MotoringAndTransport/Yourvehicleandlicence/DG_10028000

http://www.motabilityoperations.co.uk/Pages/AMO.aspx

"Motability Operations is a not-for-profit company that runs the Motability Car Scheme, and more recently, the Powered Wheelchair and Scooter Scheme. "

Great, you think....

"The largest fleet operator in the UK and the biggest supplier of used cars to the trade, we are owned by the major banks: Barclays Bank plc, Lloyds Group plc, HSBC Bank plc and Royal Bank of Scotland plc"

"Our annual turnover is over £2.2 billion and our assets worth £3.7 billion."

" All surpluses are reinvested in the business for the benefit of our customers."

Great, the banks are helping people at last, that's good of them.

Is there a SCAM here ?

Are the assets bought by donations/public money owned by the banks ?

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http://www.direct.gov.uk/en/DisabledPeople/MotoringAndTransport/Yourvehicleandlicence/DG_10028000

http://www.motabilityoperations.co.uk/Pages/AMO.aspx

"Motability Operations is a not-for-profit company that runs the Motability Car Scheme, and more recently, the Powered Wheelchair and Scooter Scheme. "

Great, you think....

"The largest fleet operator in the UK and the biggest supplier of used cars to the trade, we are owned by the major banks: Barclays Bank plc, Lloyds Group plc, HSBC Bank plc and Royal Bank of Scotland plc"

"Our annual turnover is over £2.2 billion and our assets worth £3.7 billion."

" All surpluses are reinvested in the business for the benefit of our customers."

Great, the banks are helping people at last, that's good of them.

Is there a SCAM here ?

Are the assets bought by donations/public money owned by the banks ?

hmm, I think Motobility just put up the finance. I seem to recall reading that most of the vehicles are on lease deals. I think the scam is the ease with which funds can be secured to score a brand new motor under the scheme- blue badge heaven. A lot of radio adverts for car sales are concentrating on the motobility buyer, as they're a reasonable-sized group.

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hmm, I think Motobility just put up the finance. I seem to recall reading that most of the vehicles are on lease deals. I think the scam is the ease with which funds can be secured to score a brand new motor under the scheme- blue badge heaven. A lot of radio adverts for car sales are concentrating on the motobility buyer, as they're a reasonable-sized group.

They must be a reasonably sized group that otherwise wouldnt be able to afford cars ? Where does the money come from :blink:

And who benefits the most..I guess the car manufacturers and....the financiers...i.e. the banks.

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They must be a reasonably sized group that otherwise wouldnt be able to afford cars ? Where does the money come from :blink:

And who benefits the most..I guess the car manufacturers and....the financiers...i.e. the banks.

http://www.motability.co.uk/main.cfm?Type=PFAQ

Q. Is it true that people over 65 are not eligible for the Scheme?

A. No. Eligibility for the Motability Scheme is based on people being in receipt of either the Higher Rate Mobility Component of Disability Living Allowance (HRMC of DLA) or the War Pensioners’ Mobility Supplement. People who do not already receive the HRMC of DLA are not able to apply for it after the age of 65, but anyone who already has it can join the Scheme regardless of their age.

Q. What are the benefits of leasing a car, powered wheelchair or scooter through the Motability Scheme as opposed to buying one privately?

A. The Motability Scheme provides an all-inclusive package designed to give affordable and worry-free mobility. With a new car, powered wheelchair or scooter every three years, the lease also includes insurance, servicing and repairs, breakdown cover and tyres. The only thing not included is fuel.

Q. Is it possible to have a car and a powered wheelchair or scooter on the Scheme at the same time?

A. Unfortunately no. The mobility allowance is used to cover the cost of the car, powered wheelchair or scooter and in the case of a car it usually takes the whole allowance so there simply isn’t enough left over to cover the cost of a powered wheelchair or scooter as well.

Q. Adaptations may make driving easier for my client, how do they go about getting them?

A. Adaptation installers and the Forum of Mobility Centres both offer advice on which adaptations may suit their needs. Once suitable adaptations have been found they can be ordered at the same time as their new car through their Motability dealer. Some of the most popular adaptations are available at no extra cost. Adaptations added during a lease will be at the customer’s own cost and must be fitted by an accredited installer, after notifying us.

Q. Is getting a Wheelchair Accessible Vehicle on the Scheme any different to a standard car?

A. The main difference is the length of the agreement, which is five years for Wheelchair Accessible Vehicles (WAVs) instead of three. The mileage allowance is 100,000 over the five years.

Q. What is an advance payment?

A. The advance payment is the difference between the overall cost of the contract hire package and the customer’s allowance over the three year agreement. It’s a non-returnable payment made in one lump sum to the dealer at the start of a lease. Advance payments can range from nil up to several thousand pounds depending on the type of car chosen. Scooters and powered wheelchairs rarely have advance payments - in fact many don’t even use the full allowance.

Q. My client can’t afford the advance payment on the car they need, is there anything you can do to help?

A. We may be able to offer financial help towards the cost of a suitable car, adaptations, driving lessons or a Wheelchair Accessible Vehicle, depending on the applicant's individual circumstances. To find out more please contact our Customer Services team on 0845 456 4566.

Q. Who can be insured to drive a Motability car?

A. Customers can nominate two drivers. If the disabled person intends to drive, they count as one of the permitted drivers. Nominated drivers can be changed during the lease and a third driver can also be added by paying a little extra. Young drivers can be one of the nominated drivers but there are restrictions on the vehicles that drivers under 25 can be insured on and a higher insurance excess will also apply.

Q. Does the recipient of the mobility allowance always have to travel in the car?

A. The car is provided for the benefit of the disabled person. But, they do not always need to be in the car, for example having someone else using the car to do the shopping or run errands is still of great benefit.

Q. My client lives in a care home where a number of the residents all receive the mobility allowance. Is it possible for them to pool their allowances to get a bigger vehicle?

A. Unfortunately no, at the moment joint agreements are not available on the Scheme.

Q. Does Motability pay for driving lessons for disabled people?

A. Yes, young people, aged between 16 and 24 and in receipt of the Higher Rate Mobility Component, may be eligible for help towards the cost of driving lessons.

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They must be a reasonably sized group that otherwise wouldnt be able to afford cars ? Where does the money come from :blink:

And who benefits the most..I guess the car manufacturers and....the financiers...i.e. the banks.

:lol:

Not again. Motability came up a couple of weeks ago. You know where the money comes from... disability benefits...

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:lol:

Not again. Motability came up a couple of weeks ago. You know where the money comes from... disability benefits...

That was a rhetorical question...it's obvious where the money comes from...OUR TAXES !!!

And who benefits...obviously, the person with the car...and....the BANKS.

Sorry if we've been over this before. It was a bit of a shocker when I read it elsewhere.

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Two of my neighbours have motobility cars. Probably the newest ones on the street

Bring back the invacar, save the tax payer some money, and make it easier to police people parking in disabled spaces.

invacar3.jpg

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Motability itself as a distribution channel may be non profit but I suspect that the game is for the banks to provide the financing at commercial rates that then gets paid for by benefits. This lending is a source of profits for the banks.

Distribution as an activity is a cost (though an indispensable one), so the fact that it is non-profit is probably no bother to them. Just a sales channel for govt-backed auto loans.

It's not necessarily a bad thing though. The assets distributed do need financing somehow. All depends on the actual cost of financing and any explicit or implicit subsidy.

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Bring back the invacar, save the tax payer some money, and make it easier to police people parking in disabled spaces.

The invacar was a phenominally expensive Govermnent contract to provide specially made vehicles!

I'm pretty sure a Ford Escort with whatever adaptions are necessary is much cheaper!

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So this involves:

(a) Benefits system and

(b ) The banks.

I wonder who is doing best out of the deal...:rolleyes:

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Bring back the invacar, save the tax payer some money, and make it easier to police people parking in disabled spaces.

I agree!

When those were around I had far more respect and time for them as the people inside were often ex WW2/military with both legs blown off etc!

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What could you possibly mean?

The is the most altruistic circle jerk you could ever imagine.

Public subsidies to Rail system = prices rise extortionately every year!

Most overpriced, ridiculous system in europe - with rail track system still stuck in the 1950's

Banks own and lease-back over One Third of UK Carriages/Rolling stock

90% of all Trains = LOCO!

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What could you possibly mean?

The is the most altruistic circle jerk you could ever imagine.

Apologies. This lot only think of others. I am ashamed and need re-educated. :D

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"The largest fleet operator in the UK and the biggest supplier of used cars to the trade, we are owned by the major banks: Barclays Bank plc, Lloyds Group plc, HSBC Bank plc and Royal Bank of Scotland plc"

"Our annual turnover is over £2.2 billion and our assets worth £3.7 billion."

£billions and £billions.

It's no longer http://bariatric-products.com/mymobility/images/shoprider-scootie-jr-3-wheel-travel-mobility-scooter.jpg

and it's no wonder that there's so many disabled parking bays all over the place these days since 1997. There must be a fair amount of lobbying going on for Motobility and motobility cars these days. Taxpayers funding the banks and the motor industry etc yet again.

How that will all square with the Coalition wanting to get a lot of the disabled off the disabled register (those that aren't really disabled anymore) and back to work is another thing.

No offence to the disabled of course.

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No offence to the disabled of course.

The problem being they didn't stick together. Some of them got up and walked showing that disabled people can actually function as normal members of society with jobs and proper gainful employment.

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http://www.direct.gov.uk/en/DisabledPeople/MotoringAndTransport/Yourvehicleandlicence/DG_10028000

http://www.motabilityoperations.co.uk/Pages/AMO.aspx

"Motability Operations is a not-for-profit company that runs the Motability Car Scheme, and more recently, the Powered Wheelchair and Scooter Scheme. "

Great, you think....

"The largest fleet operator in the UK and the biggest supplier of used cars to the trade, we are owned by the major banks: Barclays Bank plc, Lloyds Group plc, HSBC Bank plc and Royal Bank of Scotland plc"

"Our annual turnover is over £2.2 billion and our assets worth £3.7 billion."

" All surpluses are reinvested in the business for the benefit of our customers."

Great, the banks are helping people at last, that's good of them.

Is there a SCAM here ?

Are the assets bought by donations/public money owned by the banks ?

Believe me the drivers pay through the nose for this scheme.It is a very,very expensive way to run what are usually bog basic cars, although often from necessity automatics.These are bought at huge discounts think £15k list will be under £10k,the person's mobility allowance is taken from them,which pays for the car over a three year period. Motability then send them to auction where a typical; three year old model will make £5k - all of it profit for Motability.

I have bought these cars at auction and I can tell you that - despite what the service book might say,they have not had a spanner laid on them in that three years - oil like mud,pictures of neglect.

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Believe me the drivers pay through the nose for this scheme.It is a very,very expensive way to run what are usually bog basic cars, although often from necessity automatics.These are bought at huge discounts think £15k list will be under £10k,the person's mobility allowance is taken from them,which pays for the car over a three year period. Motability then send them to auction where a typical; three year old model will make £5k - all of it profit for Motability.

I have bought these cars at auction and I can tell you that - despite what the service book might say,they have not had a spanner laid on them in that three years - oil like mud,pictures of neglect.

How are the drivers paying through the nose when they are paying with money given to them by the state? It's the taxpayers paying through the nose.

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  • 312 Brexit, House prices and Summer 2020

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      • down 5% +
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