Monday 21 September 2015
I had written a few posts recently about being mis-sold a PCP by my local dealership. I informed then I was a driving instructor with a annual mileage of 35000. The PCP plan had a much lower mileage allowance of 20000 which would incur significant costs when it came to trade in time. After complaining to the dealership and the finance company I presented my case to the Financial Ombudsman which seems to have done the trick.
I was contacted by the dealership and arranged to go in for a meeting to discuss the complaint. I expected to come away empty handed but was very surprised when I got there. The culprits were no longer at the dealership and had been replaced by some new guys. I spoke to the new branch and sales managers who were very nice. They began by apologising for the fact that I had to go through the hassle of sending the complaint around before reaching the Ombudsman which brought it to their attention. They admitted that the plan had been mis-sold and was not suitable for my needs.
After some discussion it was agreed that after a couple of years the car would be valued for trade in as if it only had the allowed 40000 miles on it and the difference between that and it's value with the actual mileage would be covered by the dealership. I can now do as many miles as I like without penalty which is a huge weight off my mind. They also agreed to pay for the dual controls fitting to the next car which will save me a bit. I thought that was a good and proper deal.
It appears that the other guys who mis-sold me the plan had been suspected of irregularities and had been removed. Now they have a proper case they can do something about it and find out what was really going on. I now realise it was not the whole company that was to blame but just a few individuals. Makes me glad I didn't start anything on the internet which would have got them bad press. I did find their internal complaints a bit soft though. I expected more from the finance company but all's well that ends well.
On a lighter note I drove through central London last weekend and it nearly made my brain explode. I'd hate to be in a rush and have to get through that lot. Lights went red then green then red again and nothing was moving except aggressive taxis and mad cyclists. I felt so proud when I got to Brixton and saw the Trailer Park Boys doing their thing live. Had to drive back through near midnight and the city did look spectacular from the insane traffic jam we were in. It's an interesting life innit?
Wednesday 2 September 2015
Easy peasy for a driving instructor who knows the roads.
I am out there on the road all day every day during the week. Like we all are. I have come to know the roads of Nottingham like the back of my hand. I don't know many street names so I could never be a taxi driver. Drop me off anywhere in this fair city and I'll always find my way straight back home.
It's not often I drive outside Nottingham to be honest. Come the weekend I have had enough of sitting in the car and can't wait to be out in the open air, or on an bus. I took the kids to Newquay for a holiday a couple of weeks back and it brought into focus the shortcomings in my hazard awareness and planning. I am used to knowing what comes next and what the speed limits are on any given stretch of road. Surprising how difficult things can be when the familiarity is taken away.
My sat nav is really old now. It costs £100 or something to update the maps so there's no chance. Sometimes I will drive onto a road that doesn't exist and the thing will recalculate. No big deal. The problem is that many of the speed limits have been lowered since the maps were done and the device is telling me it's a 60 when really it's a 50mph road. I got that unsure feeling learners get when they aren't sure what the speed limit is. I started to pay much more attention to signs as the week progressed and was back on form after a few days.
A couple of times I took the wrong turning at roundabouts. Easy to follow the lane changes when you know exactly where the lanes are going in advance. A bit tougher on unfamiliar ground. I had to struggle with my temper and keep it cool as I drove off in the wrong direction. It brought it home to me how much of my driving is done by memory. Plenty of country lanes in lovely Cornwall. As a city driver they aren't something I practice regularly. Tight turns straight after a hill which can't be seen until the last second kept me on my toes. Hard to be slow when the locals are 2 feet off your rear bumper and looking impatient.
The caravan site got a bit muddy towards the end of the week. Trying to make it up the hill in a front wheel drive car with the wheels skidding left and right gave me some much needed practice in clutch control. On the way home it was a game of dodging the aggressive idiots on the motorway and trying not to be a centre lane driver. It is so much more convenient and safe to stay in the middle lane as opposed to bobbing in and out of the left hand lane I think.
So it was good to realise my skills needed some work and to put the work in. When you stop thinking you're a good driver you start being one I've heard it said. It's true as well. None of us can afford to be complacent.