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Super-Smooth Riding New Cars

OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
Has anyone with stomach or motion issues tested out various newish cars and found the smoothest riding ones?  

I'm not able to test drive cars myself as the anxiety of going go a dealership and dealing with a salesman makes me too nauseous before even getting near the car.  It's a difficult situation!

I bought a nearly new car today.  Have spent months researching online to decide what I thought was the ideal model and spec.  Looked good on paper, has independent rear suspension and electronic adaptive suspension with a comfort mode.  But even in comfort mode I couldn't even get half way to the supermarket this afternoon without feeling really ill.  

I don't know how much of that was caused by the anxiety of it being 'different' as I really don't deal with change well.  Even if it's a 'good' change like getting a new car... I will try again tomorrow but if the same happens again I'll have to change it for something with a smoother ride. Trouble is, ride is very subjective so I really need advice from someone else with gut problems rather than back problems for example.

Any help will be appreciated.

Replies

  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    HI,

    I'm sorry your chocie of car may not have been the correct one. Personally, i think this is the sort of situation where you may not get the right advice based on other peoples experience because everyone is different. Which could mean you spending more money than you can afford because everytime you choose a car, if it's not right you lose money if you have to sell it to buy another.

    I test drove probably a dozen cars before deciding on my current one. My disabilities make driving difficult and if i sit for too long my legs start getting numb, so lack of feeling, which isn't nice. If i sit in a car that's too low, i can't get back out, the drivers seat has to be a certain height, the steering wheel has to be very light also and that's just to start with. The cars i thought may have been good, were infact the worst. Even the car i decided on isn't quite right and it took me a long time to get used to the seat, which was extremly annoying because i love the car but just 1 annoying thing that lets it down for me and i rely on my car so much because i can't even walk to my local corner shop.

    I think before you decide what you want to do you should give it some time to at least try to get used to it. Change is a big thing and a new car is a big change. I hope it works out ok for you, if not then good luck and your next choice. 
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • leeCalleeCal Member Posts: 3,019 Disability Gamechanger
    Thinking back I think the smoothest ride I ever had was in an old Daimler, don’t suppose that helps much.

    good luck with it 🙂
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    edited December 2020
    Just a quick update, sadly it didn't get any better and I've asked to return the car.  Got to wait until Monday to see if they'll allow it.  I've had to switch back to my old car for now.

    It also seems that the automatic gearbox was adding to the issue.  I don't have much 'oomph' for want of a better word so find driving physically difficult now and am getting muscle aches in my clutch leg after even short drives so thought it was time to move to auto...had no idea it could cause an issue like this but in hindsight, I can't use lifts, escalators or any form of public transport so it does make sense as there's less control than manual, it's a bit like being a passenger in my own car.

    So will stick to manuals and more comfort orientated cars.  I know no-one will be exactly the same as me but has anyone tried a Focus Active?  I've previously had a normal Focus which was ok, but they're changed the suspension setup on the newer ones and made the ride a bit firmer.  The Active model might be a better choice though?
  • Tori_ScopeTori_Scope Community Team Posts: 3,259 Disability Gamechanger
    I'm sorry that you ended up having to return it @OverlyAnxious. I don't know anything at all about cars I'm afraid! 
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  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    With the issues you have i definitely wouldn't recommend a ford focus. What car did you actually choose that you are unable to drive?
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    With the issues you have i definitely wouldn't recommend a ford focus. What car did you actually choose that you are unable to drive?
    Seat Leon.  But it was in FR Sport spec - the only model with adaptive suspension and I hoped putting that in comfort mode would have smoothed the ride but it wasn't enough.  There is the possibility of changing to the Xcellence Lux (comfort equivalent) but that comes with fixed suspension (albeit comfort orientated) and no IRS as with the models below.

    I have previously had a few Ford Focus's in Titanium and Titanium X spec (comfort models) but they were the Mk2 and Mk3.  Now we're on Mk4 and annoyingly they've dropped the independent rear suspension on these models and just fit the cheaper rear beam suspension from the Fiesta.  The only one that kept the decent rear suspension was the luxury Vignale model...BUT they fit 18" wheels to them so there's less sidewall to soak up the bumps which I'm very cautious of.  

    My current car is a Golf Match (comfort model) which is just about ok but again that's the old model and VW have also dropped the IRS on the more recent models.  So There aren't any modern hatches that are a direct comparison to what I've had before.

    I don't really want an MPV type thing, I don't need the extra size or height, but if that's the only way to get a better ride then I may have to do that.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Ah yes the sport spec isn't suitable for me either because it's just not a smooth enough ride and my pain levels would increase a huge amount. My daughter has a ford focus with adaptive suspension (66 plate) it's potentially one of the worst cars i've ever been in. Even my grandson in the back in his car seat feels all the bumps and you can see his seat bouncing up and down.

    I currently have a peugeot 3008 (newest shape) GT line and i love it, it's a very smooth ride, although if i'm going to be super picky i found the seat wasn't 100% right when i first got it but now i'm used to it. My grandson's car seat doesn't bounce at all in the back of this one.

    Before that i had the suzuki vitara again it was lovely but not as comfortable as the one i have now.

    My personal opinion is to stay away from the sport spec models even if they have adaptive suspension because you'll likely find the exact same problem. I also agree that you may have no other option but to think of the SUV/MPV cars. Not all of them are big, the Nissan Juke is quite smal for a SUV, likewise the Renalt Captur.

    I don't know if they will agree to have the car back or whether you'll lose any money for returning it. Do let us know what happens and i hope you'll find something suitable soon.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    Good luck returning the car, I hope they are understanding of your reasons to return it.

    I’ve heard Citroens have decent suspension. They also have their “luxury” make DS.

    I do hope you manage to find something. I keep thinking of a possible solution but there’s always a reason it wouldn’t work for your situation. It must be very frustrating for you :|
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Ah yes, the Citroen. When i had my annual service a couple of weeks ago my courtesy was Citroen C3 Aircross. Peugeot and Citreon share a dealers where i live. The car was so lovely to drive, extremely smooth too. Th eonly thing i didn't like was there was no arm rest. I need an automatic so an arm rest is very useful.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Yeah, I'll definitely be avoiding sports specs now!

    Do you know which trim level your daughters Focus is?  On 66 plate that's still the old model, I've had a couple of those, albeit in comfort spec.  I guess hers is probably an ST-Line with the lowered springs and 18" alloys though?  Unless it's a full fat ST3 with 19s?  Tyres look like rubber bands on those!

    I hadn't really considered 3008s (or anything that size) but there are some just in budget.  GT-Line is semi-sport spec though, I'd probably be better off with the Allure myself.  They look a bit futuristic inside, how do you get on with everything being via touchscreen?  I had several late 90s/early 00's Peugeots back in the day but then they stopped making decent cars for around a decade lol.

    @66Mustang it is incredibly frustrating.  Tbh I feel far more frustrated by my issues than I ever feel depressed about them.  The underlying issues are the same ones that stop me getting out and dealing with any medical people as well.  I don't see any way for it to change though, it just goes round in circles with anxiety/agoraphobia/OCD causing nausea and IBS....and the IBS and nausea causing more anxiety.  I am really struggling physically this week as my insides just won't settle at all.  I just want to get all this car stuff out of the way and get moved into a new place (have found a potential compromise on a house...) in the hope that I can then relax a bit and get physically settled back to a more manageable level.

    DS is a 'premium' branch of the Citroen brand, but the smaller cars are still sporty rather than luxury unfortunately.  I did try a DS3 a few years ago but the ride was rock solid!  The days are gone of the air suspension on the old Citroens.  On that subject though...have you seen the 508 Fastback?  Looks fantastic...no idea what the ride is like on them though.
  • Tori_ScopeTori_Scope Community Team Posts: 3,259 Disability Gamechanger
    Good news on the house @OverlyAnxious :) I hope it works out!
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  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    I'm not sure but It's defintiely not the ST line. It's actually her partners car but she uses it because her car is a 3 door and not really suitable for a babies car seat.

    The Allure just has a few less things on it, like the trim around the outside, on a GT line it is chrome, unlike the Allure, the headlights are not HDI like the GT line. There's a few extra things on the GT line but pretty much the same to drive to be honest.

    Inside, now that's my favourite of all! I love the cabin, it's so top spec for me. Touch screen is nice and responsive, it has a sat nav but i prefer to use my phone for google maps, although the sat nav on mine has live instant updates. The only thing i found difficult to get used to was the climate controls are in the infotainment system so really it's one button too many for me, exactly like the Utube videos i watched before i chose the car. Mine is the EAT8 diesel.

    I haven't see the 508 fastback but now you have left me curious so i'm going to have a look on google :D
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    I'll have to go petrol this time...  I've had constant DPF issues on both the Focus's and the Golf.  I just don't do enough miles for them but needed the cheap running costs of £30 tax and 55mpg.  This time I can afford a bit more on fuel and tax so a petrol is fine...though I know some new petrol's also have a GPF now.  Don't really want any less than about 150bhp though...
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Yes, that was my thinking too when i chose my current one because i don't do huge amount of miles, about 6-7,000 a year is my average. I sopke to the dealer before i made my choice and was advised that because it's a mobility vehicle then for me any repairs would be free, so it didn't make any difference to me and my bank balance. This was why i chose the diesel, otherwise i would have choosen petrol. Although i did look at a hybrib but the waiting list was far too long, so i passed on that one.

    BHP makes no difference to me at all really.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • irishmanirishman Member Posts: 13 Connected
    Hello, 

    Please just take my word for it and go for the new 2020/2021 Tiguan r line.

    I have ordered mine (coming Friday 18th December) and it is really an amazing car heated seats, steering wheel & Parallel parks the car for you if you prefer that and don’t like the pressure.

    It’s a suv and it has a rather expensive down payment of £3500 but if you can afford it please just get it, drives so smooth and has that sitting up high feeling.

    I have it because I have a hidden disability looking at me you’d think there’s nothing wrong but I am suffering massively from sciatica going down the back of my leg, I’m on a ton of tablets which include 300mg of pregablin twice and day and morphine patches.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Thanks @irishman .  Sadly I don't qualify for Motability so have had to purchase a used vehicle with my backpay from the Daily Living award.  New shape Tiguan would be well out of budget this time but may be a contender if I'm awarded Mobility at the next assessment.  I am a VW guy despite having owned various makes and models over the years!  You'll have to post a few pictures when you get it!

    After a colossal amount of hassle I have finally got the original car returned and the refund should be on it's way...  :)
  • irishmanirishman Member Posts: 13 Connected
    Aww I’m sorry to hear mate, hopefully you get it at some stage. 

    yeah I’m a vw man aswell I currently own a 2014 golf GTD it’s a great car but it’s too low down for my back. 

    That’s great news, I’d say go for a SUV and I’d rather automatic it’s way handier (golf was auto). 

    What car are you thinking off getting? 🤝
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Yeah, it's a bit annoying regarding Mobility.  I have to rely on a car, and need a specific type of car, in order to get anywhere at all.  Yet I don't qualify under the descriptors as I can walk an acceptable distance and go out alone.

    The Leon was DSG and I couldn't really get on with it so will be sticking with manual this time despite the aches it causes.  The 'box itself was really nice but I just couldn't deal with the lack of control when pulling away and parking etc.  I might have been better with an old slush box that creeps on the brake, but with the DSG it wouldn't creep until the throttle was touched first and kind of felt like stepping onto an escalator and being 'pulled' rather than being totally in control which was giving a sort of vertigo effect.

    I'm probably going to try a Mk4 Focus Titanium X tbh. I'm not sure why Poppys daughters Mk3.5 is so bad as I had two Mk3s myself a couple of years ago.  It may have some optional 18" alloys on it.  Anyway, for the first 6 months of the Mk4 production they still fitted independent rear suspension to them so it will have to be slightly older than I was after, I wouldn't risk a newer rear beam version.  I put my budget and criteria into a few sites and only came up with 4 cars - Mk3 Leon, Mk4 Focus, Nissan Juke and BMW Active 2 Series.  The Focus should be the safest option out of those and I've had plenty of experience with Fords in the past.  Heated windscreen is a massive bonus as well.  It's not what I want to be completely honest, I had ideas of going back to German shows (when Covid is over) and having a car that was interesting enough to photograph in scenic locations, but if the Focus allows me to start getting out and about reliably over short distances again that will be a good start.

    If the Focus isn't suitable, I will have to look into SUVs instead, but they'd have to be over 3 years old and out of warranty for my budget so would rather avoid that if possible.
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    Hi, I can’t remember if I already suggested this to you or not, I thought I did but can’t find it in my PMs.

    Just trying to think outside the box a little: did you ever consider the ND (4th generation) MX-5?

    It’s really light so they could afford to give it soft suspension. I have driven one and it is honestly really smooth riding. Though I find the Fiesta smooth :D

    There is a 1.5 and a 2L. You’d be looking at the 1.5 as the 2L comes with slightly firmer suspension and bigger wheels. It only has 130 odd HP but that is plenty because it is so light.

    Would also fit the reliability criteria, and it it interesting and has a great following so there’d be shows etc. to go to.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    @66Mustang Haha, yeah you did suggest an MX-5 before.  They look cool but not for me unfortunately, I can be pretty sure they won't be smooth enough for me specifically, plus if they're the same as earlier models, very low and quite cramped inside.  We had one bought into college one day, I didn't even fit in it!  :D  I need something with a bit of practicality too really, especially with the (hopefully) upcoming house move.  I would have liked a Scirocco before I bought the Golf tbh. 

    Due to the risk and costs involved I'm just going to stick with something as close to my current Golf as possible now.  But not a newer Golf, seeing as they're overpriced and under-specced...and only come with solid beam suspension on normal models (1.5 TSI Match).  I couldn't even afford the equivalent to my own one on a 19 plate, let alone equivalent to a Titanium X Focus on a 19 plate lol.  

    In other news, I used Tesco Pay @ Pump service for diesel yesterday for the first time due to the BP app becoming too unreliable.  Glad to say it was a success so will continue with that from now on!  ;)
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    That’s good about the pay at pump :)

    I hope you get a suitable car soon.

    Is there a reason you aren’t looking at small SUVs? They are often not much more money than the hatchbacks they are often based on.

    I’ve heard the Vauxhall Mokka is a decent small SUV to drive, at least compared to other small SUVs. Also, it looks like it is jacked up quite high so should ride smoothly?
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    66Mustang said:

    Is there a reason you aren’t looking at small SUVs? They are often not much more money than the hatchbacks they are often based on.
    Partly because I don't have any children, let alone grandchildren...  :D

    I just don't have any need for a car that size.  I'd rather have something that's easier to drive through single track lanes and park at the supermarket than something that's unnecessarily large.  They also don't always ride smoothly either, you'll often get a lot more bounce and body roll which I can't deal with either.  It's a fine balance to get something that just takes out bumps rather than crashing into them or bouncing several times after each one.  I did consider the Focus Active earlier in the thread but it's a bigger car with the same engine (so worse power to weight, slower, less MPG), less spec, and I can't stand the horrible unpainted plastic trim around the wheel arches.  I probably will have to go for an SUV eventually, but hopefully not this time lol.
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    Haha yeah that makes sense

    Not to be repetitive I would have thought the MX5 fits what you want r.e. suspension etc. as it has soft springs but isn’t heavy so it wouldn’t bounce up and down after every bump. You do get body roll when cornering fast but I’m guessing with your issues you don’t do that anyway

    Plus if PistonHeads is anything to go by, which it isn’t, the MX5 is the answer to all questions about cars :D

    In all seriousness though you know your issues better than anyone, good luck finding something, I hope you get something decent soon :)
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Slight update...  Bought a Focus, errors were made at the dealership and it was delivered too early, before one fault that I was aware of was rectified, without being cleaned (ideal during Covid!) and also on a day that I said I wasn't available.  Due to circumstances (I was literally about to go out and it was torrential rain) I just accepted and was offered a small refund.

    Today I've had the chance to look around the car and have found some other issues as well, not what I expected for it being 2 years old/less than 10k miles.  The ride seems ok though (at least round my estate, considerably better than the Leon) so I've got to see if I can either get a larger refund or just return this car as well, they may not be able to cover the cost of the faults within their profit margin though, I estimate around £500 worth, plus they'd have to pay for collection and delivery as I can't leave a car anywhere with my issues or take it more than a few miles if they insist on work done at their own dealership.

    Anyway, I just want to double check that there's absolutely no way of being eligible for Motability without Enhanced Mobility on PIP?  No chance of a 'case by case' basis considering the issues I have?  

    (PS - I also lost that house...then found an ideal one just half a mile away.  Tried to apply immediately but was told I couldn't apply without viewing, and couldn't view until 5 days later.  I was really unwell during those but forced myself to the viewing...only to be told that they'd already had lots of applications!  I guessed at that point that I wouldn't get it.  Still put my application in but as expected, was let to someone else.)
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    edited December 2020
    @OverlyAnxious no I don’t think so. I did some serious research into this when I was on the lower rate for mobility - I was willing to fund the shortfall myself - but they said no the money can’t come from me it has to come directly from the mobility component of PIP.

    It’s a real pain I agree, I really think they need to review the criteria for mental health as to be honest about it you seem just as affected by your issues as I do by mine, if not more, but just because of a small detail (I can’t go out alone and you can) you don’t qualify. Physically disabled people can get Motability when they can go out alone so why not psychologically disabled.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Unfortunately there's no chance of you exchanging your mobility award for a vehicle because you need Enhanced mobility for this and they don't consider anyone case by case.

    @66Mustang The mobility award for following and planning a journey and moving around are 2 completely different things, they have totally different criteria. A person that is unable to walk a distance but can go out alone is completely different to someone with mental health that is unable to follow and plan the route of a journey. You can't reeally compare either of them against each other.

    For example. I claim Enhanced mobility because i'm unable to walk just a few steps without pain and discomfort. I would be able to plan any journey and go out alone.  My daughter claims Enhanced mobility because she doesn't have the capacity to follow the route of a journey, even to the local shop, which for us is just around the corner. Although she would be able to walk or even run that distance.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    My point is that it's possible to have difficulty planning and following a journey, as OverlyAnxious does due to his issues, and whether you are alone makes no difference - he would have his stomach problems etc. regardless of if he had someone with him for support

    But I take your point that moving around and planning a journey are two different things

    It is what it is I guess
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    66Mustang said:

    It is what it is I guess
    That's my life motto!   :D

    Thanks for the clarification @poppy123456.  I thought that would be the answer.  :(  It's frustrating having all this money as backpay but not being able to use it on a brand new car.  I could just about afford a brand new Ibiza or i10 but obviously they're too small and rough riding.

    Regarding the different Mobility sections.  It is annoying that the mental side specifically relates to planning and following a journey - I can use Google Maps and know my way around locally at least.  And that the physical side only relates specifically to walking a short distance.  Ironically I'm getting much closer to 1e than I was when I took the assessment (unable to undertake any journey due to OPD) but of course if receive enhanced mobility due to that it would be then too late!  :s
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    1E will not get you Enhanced mobility because this would be 10 points, which would be standard rate and you need 12 points for Enhanced award.

    The car you've just had delivered, wouldn't it better to ask the dealer to put right what's wrong with the car? As it's only 2 years old, surely it can't be a huge amount of work. There's always going to be some risk when buying a used car, even when it's just a couple of years old.

    Have you thought about a loan for a car? or maybe finance, like a lease? I don't really know a lot about leasing a car this way to be honest because before i had my first mobility car i used to have a very old car, more than 10 years old.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    I have offered them to fix all 6 faults, will cost them around £700 though and they'll have to collect and deliver so I suspect they'll decide to make a return and full refubd.  Then only repair the dangerous fault hoping for another buyer that's less fussy about visuals!

    Trouble is, I need to be able to rely on a car 100% in order to get anywhere.  So far I have never had this only being able afford older cars (6-20 years old).  I also need a car that is totally free from contamination due to the OCD which again I can't get with a used car.

    The fact so much has already gone wrong with this one means that I don't trust there to be no faults with the engine etc now and I can't risk breakdowns.  I also found a lot of not only dog hair but also dog poo under one of the seats so the car feels very contaminated despite over an hour with anti bac sprays and wipes yesterday.

    Tbh I'd prefer a return now I've had the chance to think about it.  I won't be any better off in it than my current 8 year old car, which is better condition at 110k miles!

    I would consider lease but I don't know what type is the same as Motability?  So you put a deposit down and just pay monthly until you return the car a year or two later.  The only schemes I can find are ones to fully buy the car with a large payment at the end which I wouldn't have.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    There's a PCP option which you pay the monthly payments for X amount of years and then at the end you have a choice to either return the car or pay the remaining balance and then the car becomes yours. Or return the car and choose another lease with more monthly payments. Or hand the car back and walk away. Full details here.  https://www.moneysavingexpert.com/car-finance/personal-contract-purchase/

    Or you could just keep the car you have. What's the reason for wanting a different car? Does your current car have some issues? Expensive to continue to keep it on the road maybe? Or do you just want to change it because you feel like a change of car is needed? Only you can answer this question of course but you may never find the right car for you, when choosing used cars because there's likely always going to be something that's not quite right for you, especially with your contamination OCD.

    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    edited December 2020
    Thanks @poppy123456 It looks like PCP would be the only option, BUT they're a minimum of 2 years and I only have around 14 months of my PIP award left so could lose half my income again in Feb 2022.  I can't find anything (other than Motability) that allows a lease of 12 months.  I'm not going to buy another used car though (after 50 of them!), only worth changing this time if I can get brand new.

    Few reasons for changing my car.  First is that I never have trusted it, it was already high mileage and previously written off when I bought it.  I bought it in a rush after my previous car let me down and I needed something cheap, smooth and quickly.  That has had a major impact on my agoraphobia though.  There is also still a lot of previous owner contamination in it, and many areas that I can't touch or place any items.  Plus it's diesel and having constant DPF regens, roughly one every week which isn't good for the engine, the DPF or the battery because the fans stay on for ages after switching off.  I only do town and (slow) backroads now, and only did 3000 miles this year, so need a petrol engine before this one gets completely ruined.  It'll actually be cheaper to run than any modern petrol that I could buy ironically, with £30 tax and approx 50mpg.  But with the PIP I can afford a bit more on fuel and tax in the hope of better reliability.

    The other issue I have is that I don't know how else to use around £10k of backpay before the grace period ends.  I don't mean that in an ungrateful way but I really can't face the hassle of having to apply for UC if I lose the ESA & HB due to the savings limit.  Without being able to move, I haven't been able to use any on furniture etc either.  I really hope I'll have moved by then (April I think it was?) but after the last 6 months searching I'm struggling to remain optimistic now.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Once the grace period ends for your backdated money, only savings of more than £16,000 would end all means tested benefits. If you have less than this then it's a reduction of £1 for every £250 over £6,000.

    Although council tax reduction maybe different because some local councils will only allow a maximum of £6,000 savings, it depends on each individual council because they have their own rules.

    With the PCP option of course they will do a credit check on you. Motability lease isn't a minimum of 12 months, it's a minimum 3 year lease but you must have at least 12 month remaining on a PIP award. Although of course with motability if a PIP award ends then you just return the car and then there's no further payments.

    With the house move you are getting extremely close to the SDP rules changing, which is in a few weeks. So any move after this and you'll need to claim UC for help with any rent, if you move to a different local council.

    I don't know what else to suggest really. I hope you find a solution soon!
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Yes, sorry, I didn't explain the backpay amount clearly.  I am still a few thousand above the £16k limit (it's also been backing up on top of the backpay as I haven't moved so not been paying the expected extra rent!), so although I don't need to spend the whole £10k, I would need to spend a few thousand which I'd rather put towards a car than just waste on something that won't make any difference to my issues.  The daft thing is I could barely afford food and fuel this time last year, and now have more money than I know what to do with! 

    Credit check is fine, I have an excellent credit score...but whether they'll accept benefits I don't know.  Yes that's what I meant regarding the 12m of Motability, just poorly worded again lol.

    Yeah, the SDP rule change has been playing on my mind for weeks now.  I was totally gutted to lose the house I found a couple of weeks ago, it was around 90% suitable, only half a mile away, fully refurbished and available immediately, couldn't believe my luck!!  To lose it has been a massive blow as I don't think I'll find anything else before the 17th(?) now.  My issues have got worse over the last weeks (possibly exacerbated by the anxiety around cars and houses lol) so it's looking like I'd have to remain in the same area now anyway.  Assuming I move after the SDP change BUT remain in my local area under the same council, is it still as simple as just switching the HB and CTR on the council website or does that change?
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Ah ok. Sounds like a difficult situation. I know for the PCP they do ask about earnings etc but i don't know if you'd fail because you're unemployed. I've never personally had a PCP myself. I only know through my daughter who has got her car this way and her earnings were taken into consideration for that.

    Yes, if you remain with the same local council you can continue to claim housing benefit.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    edited December 2020
    I’m not sure if you’d get PCP on a car as I have also got an “excellent” credit score and was denied a £25 a month phone contract (that I had the money to pay for in one go if I wanted to but they know best!) so I dread to think what they would say about a car :(

    There is a special kind of PCP, called advance purchase or something, where you pay the whole lease up front. For example if it’s £200 a month you just give them £7200 and the car is yours for 3 years, maybe that would be an option if you can’t get credit clearance for a PCP? I know Lotus do it (not very helpful to someone that needs a super smooth car lol) and Ford used to do it on their new cars.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    Yeah I'm not sure about getting PCP either.  I have had a couple of quotes for doing it but not mentioned my income yet...

    I've been looking at Fords but haven't seen that option.  Only Ford acquire (buying the whole car monthly), Ford options (PCP/renting for 3 years) or leasing.  Leasing won't work for me as you can only make a small deposit and large monthly payments. Acquire won't work as I can't afford to buy the whole thing.  So the only thing left is PCP.

    We're now in Tier 4 though, so that means no test driving at all.  Though I don't see how I'd be able to test drive anyway.  Even getting to the dealer (about 5 miles away) is a huge challenge on it's own now.  I tried it yesterday and did manage to get there, had a quick drive around the forecourt but couldn't get out of the car and certainly wouldn't have been able to deal with a person face to face.  Feel like this might be too little, too late now. :disappointed: 
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    edited December 2020
    Here it is 

    https://www.ford.co.uk/finance/ford-credit/personal-financing/ford-options-cashplan

    Yes the current situation is annoying :( I can understand why you feel the way you do...

    Take a look at your fluoxetine thread and seriously consider the replies, IMO there is a chance that taking it will give you a little respite from your issues and provide the break you need to get on.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    66Mustang said:
    Here it is 

    https://www.ford.co.uk/finance/ford-credit/personal-financing/ford-options-cashplan

    Yes the current situation is annoying :( I can understand why you feel the way you do...

    Take a look at your fluoxetine thread and seriously consider the replies, IMO there is a chance that taking it will give you a little respite from your issues and provide the break you need to get on.
    Ah, now that's interesting.  I wonder why they don't offer that option on the finance calculator!  Good to know there's another option there.


    I have just read the Fluoxetine thread (had to set aside some time to read through that one lol!).  I do hope to try it at some point but it won't be until next year now.  I realise that's only a few hours away but I mean once this xmas season has passed and things get a more relaxed.

    The trouble with taking any med, especially an SSRI, is exactly the same as the issue with cars.  The worst symptom I have, and the one that stops me doing the most things, is the nausea.  I'm currently feeling like I'm on the cusp of being ill for long periods of each day.  I feel like it'll only take a tiny bit of added nausea from an SSRI to make me physically ill and that's a scenario I know I can't cope with.  I also couldn't ask anyone round to help me out as that in itself already causes a lot of nausea, even for people standing outside and me on the doorstep.   It is a difficult situation (another one!  :D ) but I'm going to have to do something soon.  :#
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    I won’t pretend to know how you feel but I can say I can relate a bit as I was at that stage myself i.e. the stage where you can take a big risk that might pay off or might make things worse. Like someone with a physical illness who is deciding whether to have a big operation that has a chance to go wrong or make their life better. I’m not exaggerating with that analogy either as I know how significant mental health issues are.

    The position you are in now is not great but it’s predictable enough so easy to say “let’s just stay the way I am” but you have to decide if you want to be that way for the rest of your life or take a risk to make things better. Personally if it was me I would take the risk but I’m aware that’s very easy for me to say as an outsider.

    Sorry I’m probably talking drivel and it probably sounds a bit harsh but hopefully it helps even a tiny bit. I wish you the best of luck whether you choose to take the medication or not :)
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    **UPDATE 27/02/2021**

    Hi all,

    Looks like I may need to revisit this due to Covid delays so are there any further ideas?

    I ordered a brand new 'crossover' vehicle on finance at the beginning of Jan but it now looks like it's not going to be ready in time.  This is a massive blow as it looks like I may not find another finance deal the same, and may have to buy used again which I was really hoping to avoid.  On top of that, my stomach problems have worsened again, to the point where I'm having to avoid speed bumps and rough roads even within a 30mph town setting, let alone any further out.  :(
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    Damn sorry to hear that @OverlyAnxious :(

    What do you mean by it’s not going to be ready in time? Can you just wait longer or it the case that you lose the deal if it’s not delivered by a certain date?
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    The factory has been closed for 4 weeks.  And now I'm hearing rumours that it's being extended for another 5 weeks.  I'll be passed my backpay grace period before it's even built let alone delivered, so I'd lose all means tested benefits.  I might have been ok if I could move before then and spend some of the backpay on furniture (as the original plan), would just have lost a chunk of income until the car was ready.  But moving before then seems impossible now too.

    Regarding the deal, they've already suggested that one positive is I could still get it at the old price...seeing as their delay pushed it into the new plate period meaning I should really pay more for it now!  :|  :D
  • 66Mustang66Mustang Member Posts: 4,315 Disability Gamechanger
    Would a car be considered deprivation of capital? Especially if you have a good reason as to why you need a brand new one that’s a decent spec?
  • OverlyAnxiousOverlyAnxious Member Posts: 1,165 Disability Gamechanger
    66Mustang said:
    Would a car be considered deprivation of capital? Especially if you have a good reason as to why you need a brand new one that’s a decent spec?
    Probably.  But that's a bridge I'll have to cross when I get there.   :#

    I'm still over the £16k threshold currently which is why I'd lose ESA/SDP/HB when I reach the end of the grace period if I can't spend at least some of it by then.  I'd just be left with PIP at ~£90 a week.  Yes, I'd have the savings to live off, but would have absolutely no chance at moving without an income, and would have to forget about changing cars.  I'd then have to apply for UC when my savings dropped low enough which seems like further hassle.

    This is mainly caused by the prejudices and resentment of landlords and lettings agents.  I should have been in a more suitable place with safe & reliable fixtures and appliances having spent a chunk of backpay on furniture by now.  :(
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