Should I worry about outstanding finance?
I am purchasing a used car imported from the UK by a dealer in Dublin who appears to specialise in this type of car sales. I have paid a small deposit to the dealer but have discovered via a Cartell.ie check that the vehicle has outstanding finance of a type called 'Unit Stocking' from a UK finance company. Interestingly the start date is shown as 01/02/2018 with a term of six months. I was told there was no finance outstanding on the car and the vendors appear to be respectable and trustworthy.
What steps should I take to protect my interests prior to completing the purchase?
GH, Tullamore
Gabriel Hannon (Tullamore)Feb 2018 Filed under: finance
Expert answer
Hi Gabriel,
We had a worth with our contact at Cartell.ie and this is what they said:
"Unit Stocking usually points to dealer finance. These types of issues can often be resolved, but as with any amount outstanding on a vehicle Cartell would advise caution until the matter is resolved. A Cartell.ie report provides a contact telephone number and account reference number for finance markers in the UK - so the customer can contact the bank directly and look to clarify the issue. If you are still having problems ring Cartell.ie customer service team on 1890 252331 or 01 5241517 and they'll be happy to talk you through the steps."
Hope that you get sorted
Mileage limitations on campers and classics?
Are drivers of camper vehicles or classic vehicles limited to a certain annual mileage?
Mairtin O Mhuirgeasa (Manorhamilton)Jan 2018 Filed under: classic cars
Expert answer
Hi Martin,
Camping vehicles, no — you can drive them as much as you like (depending on any mileage agreed with your insurer of course). Classic vehicles, usually yes — again, each policy is different and you can always negotiate, but Irish insurers tend to view classic and ‘vintage’ cars as very much show ponies, and you’re usually stuck both with a 5,000km annual limit and the need to show proof of having a ‘normal’ car insured and taxed for day-to-day use.
Can you tell me about a new Lexus crossover?
Can you tell me anything please about the new Lexus hybrid small crossover due out in 2018 I think? I drive an Audi A4 and love it, but thinking of changing to Lexus so I can drive a hybrid.
Many thanks
Elizabeth Regan (Dublin)Jan 2018 Filed under: hybrid
Expert answer
Hi Lily,
We’ll very likely find out a good deal more about the new small Lexus crossover at the upcoming Detroit Auto Show, or failing that the Geneva show in March. Here’s what we know for now, though...
It will be called the Lexus UX, and the company has already trademarked the UX 250h badge for the hybrid version. That suggests it may use the 2.5-litre petrol engine and hybrid assistance found in the existing Toyota RAV4 Hybrid, but, as the UX will platform share with the smaller Toyota C-HR, it may be that it will get a higher performance version of that car’s 1.8-litre hybrid. Certainly, Toyota has been making noise about a higher performance version of the C-HR Hybrid so it’s likely that both models are being developed in tandem.
Can you help me estimate a Niro's OMSP?
Determining the OMSP of a car that is not available within Ireland: yes, I have read through all of the Revenue documentation, and the only remaining variable in determining the VRT amount due is in determining the OMSP of the UK car. There are two Irish versions of this car, but there are FOUR in the UK. Only one of the four have previously been VRT'd, (I know this because it shows on the VRT calculator).
The car I wish to purchase is the top-spec, which includes front parking sensors, sunroof and high-spec sound system. What value could the Rosslare Office assign to these extras? What's worse, I rang Rosslare and they said that I have to purchase the car then register it, and only then can they tell me the OMSP of the car. This is too much of a risk. Please help if you can.
This car is a hybrid, hence the reason why only one of the four types have previously been imported.
Michael, Donegal.
Michael Carey (Letterkenny)Aug 2017 Filed under: VRT
Expert answer
Hi Michael,
The problem is that it’s not an open and transparent system. Because there is no official guide for second hand prices in the Ireland (such as the UK’s Glass’s Guide) it means that Revenue can set a value that they see fit, both for vehicles and for extras. Sadly, and I’m sorry that this isn’t much use to you, any value we might ascribe to such extras is a pure guess, and could be completely at variance with what Revenue eventually says. It’s an unpleasant quirk of an outdated vehicle taxation system.
Looking for differences in Audi A5s.
Is there much difference between 177hp Audi A5 S line and 150hp Audi Sportback SE Technik? Also, some cars show a dial positioned just below the gear knob for controls while other models show no dial, but a display on the dash. Why is this considering they are the same year?
Gavin Reddy (Carlow)Jul 2017 Filed under: choosing used car
Expert answer
Hi Gavin,
Well the obvious answer for the first part is that there’s a 27hp difference — the 177hp 2.0-litre TDI engine has significantly more power and torque, but to be honest the 150hp version is pretty sufficient. S line and SE Tecknik are pretty similar in overall equipment levels, but the S line will have slightly lower, firmer suspension so may not be ideal for you depending on where you mostly drive. The knob below the gear stick is the MMI system, which controls the car’s setting and infotainment. If it doesn’t have that then it’s a pretty basic model, on which the original owner hasn’t spent any money on extras.
Will a cracked windscreen fail the NCT?
I booked my car in for its NCT recently and now a crack has appeared in my windscreen. Does this mean it will fail the test if it is not replaced?
Patrick Mcnally (Mayo)Mar 2017 Filed under: NCT
Expert answer
Hi Patrick,
It depends where on the window the crack is and how big it is. Click here to view the official NCT testing manual - go to page 26 and it clearly shows how cracks in the windscreen are assessed.
Best of luck
Is the Opel Ampera-e for Ireland?
When will the Opel Ampera-e go on sale in Ireland?
Seán Ó Dufaigh (Castlerea)Feb 2017 Filed under: future cars
Expert answer
Hi Sean,
It probably won’t. Opel confirmed at the Paris Motor Show last year that there won’t be right-hand drive production of the Ampera-e and that position has not yet changed. If there’s a sudden jump in demand from the UK and Ireland for electric cars, then Opel may well reconsider, but for now, we won’t be getting it.
When does the new Skoda Octavia arrive?
Can you tell me when the updated 2017 Skoda Octavia will be offered for sale in Ireland?
Gerry Cummins (Limerick)Jan 2017 Filed under: choosing new car
Expert answer
Hi Gerry,
The new-look Skoda Octavia is now in Irish showrooms.
Can I swap an unused Prius for a new Hyundai?
I'm thinking of buying a new diesel automatic, possibly the new Hyundai i30. Would any dealers take a 2008 Toyota Prius not used for a couple of years and another car, our 2009 FOrd Focus diesel automatic? What do you think?
Tony Broderick (Carlow)Jan 2017 Filed under: choosing new car
Expert answer
Hi Tony,
How come the Prius wasn't used for a couple of years? That's the first question you'll be asked. If it's in good condition and still works fine, and you can show a current NCT, then there's no particular reason that a dealer wouldn't take it as a trade in, but you'll need to be honest and open about the history of the car.
Should I keep my BMW X5's mileage down?
Hi,
I have a January 2015 BMW X5 25d bought new with now 70,000km on it. I had planned to keep it four years, but at the rate I am putting up the kms I am worried dealers will tell me it has too high a mileage at probably 150,000km to be worth much on trade. I know some main dealers don't like higher mileage premium stock. Would I be better if I was going for something similar to trade in when the car is relatively younger or do you think it won't make much difference?
Anthony Kiely (Nenagh)Dec 2016 Filed under: mileage
Expert answer
Hi Anthony,
The thing is, it shouldn’t make a difference, but it probably will. Our advice to buyers, and it’s the sensible advice, is to basically ignore the mileage and concentrate on the paperwork. If a car comes with a thick sheaf of service book stamps and receipts showing that it has been properly cared for, then the mileage is more or less irrelevant. A well cared for car with huge miles will always be a better car than a low-miles one that’s been abused.
Unfortunately, not everyone listens to us and so, yes, high miles or kilometres can still be an issue. I think the best thing you can do is to go and have a chat with your local dealer and see what they say. If your car is impeccably kept and serviced, then they may say that mileage will only be a minor factor and you can keep the car you’ve got for a bit yet. If they say otherwise, then it may be time to swap.
