What to do with broken car on finance?
Discussion
roz84 said:
I do know what the engine code is and had thought of buying a car with the same - I know a few different models have them (d4ea engine) - with say rear end damage or whatever but a running engine, but even Kia themselves couldn't tell me if it would be possible to do a straight engine swap even though the codes match! Which again, put me off doing anything yet.
Engine transplants on like for like engines are fairly straight forward.Usually there can be subtle differences between models (sensors brackets etc)
But you have these on your broken engine to swap over if needs be.
loose cannon said:
A US recall that doesn't cover the OP's car? (Sportage 2011-13)Kia have only issued one recall in the UK that may affect the OP's car - and that's the brake light switch.
Have you been to a Kia dealer? I used to work for one and in my experience their warranty is one of the best. As long as the car has a full service history (ideally main dealer) then their goodwill system can be generous.
One particular example I can remember was an 11 year old, 122,000 mile Kia Sorento (8 years out of warranty) having over £1000 worth of work because of a known issue fully paid by Kia. It's a long shot but it's worth giving them a call.
One particular example I can remember was an 11 year old, 122,000 mile Kia Sorento (8 years out of warranty) having over £1000 worth of work because of a known issue fully paid by Kia. It's a long shot but it's worth giving them a call.
I would buy (or extend the finance) to one of the cheapest/oldest but still sound Sportages you can find, which seems to be approx £1,500 and then you can keep the other one to use for any parts.
If you think of any future issues and/or failures then bar another main engine issue you've got it covered? If you get a mobile mechanic they could do say an alternator swap, or stick caliper swap etc easily.
Just thinking that this way you are reducing your ongoing costs you would have likely incurred anyway if you'd never has issues to offset some of the upfront costs. ie tyres are a good one, whatever you have left on them can be utilised as they can be swapped over when the new ones are worn.
These threads make me realise what a massive pita this sort of thing is especially for those with minimal mechanical knowledge, as it starts a snowball effect of issues, is the garage 'checking' what went wrong being truthful, if they are is their advice biased, you have your car in bits at a garage which limits your options, all options are costly and none really come with a future guarantee of good engine health, massive rock and a hard place!
Others could inspect the cambelt in seconds then move on to a socket on the crank pully nut, in 10 mins you are massively further forward in at least being sure of what's wrong.
If you think of any future issues and/or failures then bar another main engine issue you've got it covered? If you get a mobile mechanic they could do say an alternator swap, or stick caliper swap etc easily.
Just thinking that this way you are reducing your ongoing costs you would have likely incurred anyway if you'd never has issues to offset some of the upfront costs. ie tyres are a good one, whatever you have left on them can be utilised as they can be swapped over when the new ones are worn.
These threads make me realise what a massive pita this sort of thing is especially for those with minimal mechanical knowledge, as it starts a snowball effect of issues, is the garage 'checking' what went wrong being truthful, if they are is their advice biased, you have your car in bits at a garage which limits your options, all options are costly and none really come with a future guarantee of good engine health, massive rock and a hard place!
Others could inspect the cambelt in seconds then move on to a socket on the crank pully nut, in 10 mins you are massively further forward in at least being sure of what's wrong.
Most dealers offer 4 or 5 year finance as a default. I imagine there are a lot of cars older than the Kia in the OP still with a long while left on a finance agreement.
With regards to the OP, if you can get a new engine in I would do that then look at your options, don't just leave it sitting paying for a car you can't use - the sooner it's running the better. Out of curiosity what is the current mileage on it roughly?
As another poster has said, no wonder so many people lease/buy brand new on PCP even if it means downsizing massively.
With regards to the OP, if you can get a new engine in I would do that then look at your options, don't just leave it sitting paying for a car you can't use - the sooner it's running the better. Out of curiosity what is the current mileage on it roughly?
As another poster has said, no wonder so many people lease/buy brand new on PCP even if it means downsizing massively.
May have missed this but are you in a position to clear the finance yourself before potentially selling the car as salvage? Or would the value of the salvage cover the finance owed? There are various places that will buy the non running car for more than scrap value, some may be able to pay the finance company directly if that would help... obviously depending on the figures either way.
honest_delboy said:
I can fully understand why people lease, they just want a working car to get them from A-B and no horrific unexpected bills
Hope you get it sorted OP
Yeah, I used to lease for this very reason.Hope you get it sorted OP
The last 4 years I've been shedding. First 2 years cost me £200 in repair bills and sold the car for what I paid. Current car recently had a £700 bill to get through it's MOT. I was really annoyed about this until I realised that was all the car had cost me so far, the equivalent of just 2 months lease payments in almost 2 years.
Anyway OP. We've had the same situation as this happen to 2 of my wifes cars in the past. First was a Vitara that the engine seized. We ended up selling that to a garage as spares or repair. They stuck a new engine in it and sold it on. Second was a BMW 1 series with a snapped timing chain. We paid to get a new engine put in that then instantly traded it in. It made sense with this car as we got £6k for the trade in and the engine cost £2k.
The best thing to do really depends on working out what you owe v what it's worth v what it will cost to fix.
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