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Hi Joe,

The bad news is that 2-05 Santa Fes go for as little as €2,500, which means if you were trading it in you'd probably be offered as little as €1,000 to €1,500.

The good news is that yours has a full service history, which really helps, so I'd say your Santa Fe sits a bit higher up the value pile. If it's in perfect nick you might get €4,500 privately or around €3,000 to €3,500 on a trade in. 

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Hi Michael,

It depends on your dealer and their financial services provider. Generally speaking this shouldn't happen - the Guaranteed Minimum Future Value (GMFV) is usually calculated on a pretty conservative rate, meaning that the car should have sufficient value in it to cover both the final bubble payment and a decent deposit to roll over into a new PCP. 

If that hasn't happened, then someone's cocked up somewhere along the line and pegged the GMFV too high. In one sense, you're on a winner - you can hand back the car and let the dealer take the €2k hit on the value, but it does leave you with no asset left to convert into a deposit. 

Can I just ask, has this actually happened or are you questioning a hypothetical problem? If it's actually happened then I would suggest that someone, somewhere has made a colossal error - the whole point of a PCP is that you should have equity left in the car to roll the deal over. If not, then I'd break out the original PCP contract and sit down and read the fine print, preferably with a good solicitor at your side. There may be some legal comeback if the dealer cannot fulfil their end of the bargain.

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Hi Mary,

You can get a full run down on what we thought of the Pajero here. But the short version is: it's a bit old fashioned but we really rather like it. It's big, comfy and should be endlessly reliable. The Pajero's reputation is that you can't kill it with a stick...

On the tax side, things are a little more complex. The good news is that because the Pajero Executive's boot space qualifies it for commercial rate Vehicle Registration Tax (VRT) you can get it, fully loaded with leather, automatic and a kick-ass sound system, for a lot less than many more prestigious rivals. 

You can also claim back the VAT if you're buying it for business purposes, although your accountant is the person you should be asking about that, not me. 

The trickier thing is road tax. Theoretically you can just pay the commercial vehicle road tax on one of these but it's complicated. You have to be able to prove, if challenged, that you bought the car for strictly business purposes. That's fine if you're, say, a developer or an architect or a builder or a farmer - someone who needs to carry big loads and visit muddy construction sites a lot. But if you're, say, a software engineer then that's just not going to fly and you're going to get a massive fine for your troubles. Better to pay the full passenger car rate (€1,200 in this case) and be on the safe side.

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Hi Mary,

We've seen them as cheap as €5,950 on a private sale but that's probably not the best way to go. Budget between €7,500 and €8,000 to get a good one, with history, from a dealer.

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Hi Debbie,

If you're importing it as a commercial vehicle (and it may well be that Revenue will ask for some proof of its future use before allowing you to do so) then it comes in under Category B, so it's a minimum of €125 VRT, or 13.3 per cent of the Open Market Selling Price, or OMSP.

How much that is can best be answered by me waving this piece of string around and asking you how long it is. I'd take a stab at around €8-900,  but honestly that's just a SWAG (Scientific Wild-Assed Guess). You won't know for sure until the car has been inspected. The wonderful certainties of the Irish vehicle taxation system...

If you're not importing it as a commercial, but as a private vehicle, then you're going to be paying more. The CO₂ emissions for the 2. 5D with 114hp were 186g/km, which puts the L200 into the ninth VRT band, which means you'll pay 30 per cent VRT. That should work out at about €1,500 or so, but again, that's a total finger-in-the-air guess and I can't offer you any more than that without taking the actual, physical car to Revenue myself for the valuation.

Best of luck with it

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Hi John,

You can't claim it back. The Revenue rules are that if a vehicle is less than six months old or has less than 6,000km on the clock, you must pay the VAT on importing it here, regardless of whether or not the VAT has been paid in the UK. The only way you could claim the VAT back from the UK HMRC would be to be VAT-registered in the UK.

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Hi Mary,

Sort of. Ford currently has a special offer, dubbed Ford Swappage, in play for 151 registrations. Basically, if you trade in a car up to ten years old against a new Fiesta, Focus, B-Max, C-Max or Kuga, then Ford will give you a bonus of €1,500 on top of the normal trade-in value of your vehicle. In other words, if your car is worth €5,000 as a trade-in, Ford will give you €6,500 for it.

There are some terms and conditions of course. The car being traded in must be taxed, insured and have a current NCT ticket and the offer is currently set to run out at the end of this month. It's also only available to individual, private customers not those buying for fleets.

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Hi Alice,

First off, yes - the Superb really lives up to its name and it's a car we can recommend without reservation. As for buying privately, it's always a bit riskier than buying from a (good) dealer, but if you tread carefully, you should be OK. Don't accept anything without a full service history, get a history check from the likes of Cartell.ie and potentially get an AA check too.

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Hi Rasti,

I'd say that kind of mileage puts you just over the tipping point for diesel, but if you must insist on petrol then go for the 1.6 - that 1.4 is so underpowered that you have to work it hard to get any performance out of it, and that really hurts the fuel consumption. As for buying privately, just keep your wits about you. The Octavia is a solidly reliable and well made car, which lowers the risk, but don't accept anything without immaculate paperwork and a proper, fully-stamped service history. None of this my-brother's-a-mechanic-and-he-looked-after-it rubbish. Worth getting a history check (from the likes of Cartell.ie) and maybe an AA inspection too. Be especially wary of cars with outstanding finance still owing on them.

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Hi Pat,

I'd say you could potentially get between €4,500 and €5,000 if you sell it yourself, or probably between €3,000 and €3,500 if you trade it in. One tip though - don't try to sell it now. The value of cabriolets drops sharply in the winter. If you can hang on until the summer you'll potentially make a few more quid, or at least find it easier to sell.