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CAR LEASING
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Car and Vehicle leasing is the leasing of the use of a motor vehicle for a fixed or indefinite period of time. It is commonly offered by dealers as an alternative to car or vehicle purchase. The key difference in a lease is that after the lease expires, the lessee must return the car or vehicle to the dealer or buy it.

Rationale:
Car Leasing offers advantages to both buyers and sellers. For the buyer, lease payments will usually be lower than payments on a car loan would be and qualification is usually easier. Some consumers may prefer leasing as it allows them to simply return a car and select a new model when the lease expires, allowing a consumer to drive a new vehicle every few years without the responsibility of selling the old vehicles. A lessee does not have to worry about the future value of the car or vehicle, while a vehicle owner does.

For the leasor, leasing generates income from a vehicle the leasor still owns and will be able to sell or lease again once the original lease has expired. As consumers will typically use a leased vehicle for a shorter period of time than one they buy outright, leasing may generate repeat customers more quickly, which may fit into various aspects of a dealer\'s business model.

Lease agreement:
Lease agreements typically stipulate an early termination fee and limit the number of miles a lessee can drive (for passenger cars, a common number is 10,000 to 15,000 miles per year of the lease). If the mileage allowance is exceeded, fees may apply. Dealers will typically allow a lessee to negotiate a higher mileage allowance, for a higher lease payment. Car Lease agreements usually specify how much wear on the vehicle is allowable, and the lessee may face a fee if that amount of wear has been exceeded.

The actual car lease payments are calculated very similarly to the way loan payments are, but instead of an APR, the company uses something called the money factor.

At the end of a lease term, the leasee must either return the car or vehicle to the owner or purchase it. The end of lease price is usually agreed upon when the lease is signed.
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Candybar
Find the worst car models from the 2007 MOT

Highscores

  1. 100 turnsJonny
  2. 104 turnsJamie
My 
card   Wins!

You
win!

You
lose!

Choose the highest failure item on your card

Bottom Trump Fun Fact

X Volvo XC90 cars were registered in 2004.

XX of these failed the 2007 MOT on "item"

- Ling

EXPLANATION AND RULES

It's called BOTTOM TRUMPS because that is a funny name and indicates farting. Yes, that probably means YOU. It is simply the opposite of Top Trumps, nit.

In this game it means you win if you can choose the worst value for the failure rates of UK cars in the 2007 MOT test. Only 2004 year cars are selected, that means these are the rates of the model's FIRST MOT TEST, on the cars 3rd birthday.

 For DAMN FOREIGNERS, the UK MOT Test is an annual car roadworthiness check, quite strict, like the German TUV. It becomes compulsory on a car's 3rd birthday.

In this game, the pack of Bottom Trumps (like Top Trumps) is based on THE 2007 MOT TEST failure stasitics. Each card in the pack shows a list of MOT failure rates for the car model. For example, each card shows a different model of car, and the stats and data may include its percentage MOT failures in 2007 for brakes, wheels, emissions, seatbelts, steering, fuel system, exhaust or lights, etc.

The players are you, and me. All the cards are dealt among the two players. The starting player selects an MOT failure category from his or her topmost card and clicks on its value. The other player then compares the value of the same category from their cards. The highest value (the largest percentage of MOT failures; i.e. the WORST car) wins the "trick", and the winner takes all the cards of the trick and places them at the bottom of his or her pile. In turns, the other player then looks at their new topmost card, and chooses the category for the next round.

Players lose the game when they have lost their last card, and the winner is the player who obtains the whole pack. Some variants of the rules allow 'three card pick', whereby a player who has only three cards remaining is allowed to choose any of their three cards to play with. We don't play those rules, pay attention, dumbo!



MOT Information

The Ministry of Transport test (more usually: MOT) is an annual test of automobile safety, roadworthiness aspects and exhaust emissions which are applicable to most vehicles over three years old in the United Kingdom if they are used on public roads.

The name derives from the Ministry of Transport a defunct Government department which was one of several ancestors of the current Department for Transport, but is still officially used. The MOT test certificates are currently issued in Great Britain under the auspices of the Vehicle and Operator Services Agency (VOSA), an agency within the Department for Transport. Certificates in Northern Ireland are issued by the Driver and Vehicle Agency (DVA).

Many local car repair garages throughout Great Britain are authorised to perform testing and to issue certificates. In Northern Ireland tests are performed specifically at DVA Test Centres.

When originally instituted in 1960 by the then Ministry of Transport, the test applied to vehicles over ten years old. As of now, it applies to most road vehicles over three years old, including motorcycles. Ambulances, taxis, and passenger vehicles with nine or more seats need testing after one year, while some "limited use" and agricultural vehicles are exempt from test altogether.

The list of items tested has been continually expanded over the years. Recently a sophisticated exhaust gases emissions test has been introduced for vehicles with internal combustion engines — the required standard varies depending on the age and type of the engine. Some motorcycles and older vehicles are only required to pass a visual emissions check.

The test classes are: Class I — Mopeds and Motorcycles up to 199 cc, Class II — Motorcycles 200 cc and over, Class III — Tricycles and three wheeled cars, Class IV — Cars, Motor Caravans, Goods vehicles up to 3000 kg gross weight, Minibuses (with no more than 12 passenger seats), Class V — Private buses (with more than 12 passenger seats and up to 16), PSV test (Class VI) — Public Service Vehicles used for Hire or Reward with more than 8 passenger seats (Test conducted by VOSA/DVA staff, usually at their own stations), Class VII — Goods vehicles (between 3000 kg and 3500 kg in gross weight), HGV test — Goods vehicles over 3500 kg GVW and Trailers over 1020kg unladen weight or 3500kg GVW if fitted with over run brakes. (Test conducted by VOSA/DVA staff usually at their own stations, or at VOSA approved designated premises).

All test Stations are required to display a "VT9A Fees and Appeals" poster on their premises which must be available to the public. It gives information on all test types and information on what to do if a vehicle fails its MOT test.

MOT refers to the inspection itself. The actual designation for the pass certificate is VT20.

It is illegal to drive a non-exempt vehicle that requires a test on public roads without a current MOT, except when driving to or from a pre-booked MOT Test. Possession of an up-to-date VT20 test certificate is a pre-requisite for obtaining a tax disc, and advertisements for used cars frequently say how many months are left to run on the current VT20 certificate. A vehicle could suffer major damage after an MOT has been carried out but the certificate would still be valid and obtaining a new one is not required under the test regulations (some insurance companies may ask for a new test but this is purely their own policy, not national law).

Vehicles used exclusively on certain islands or other areas mainly surrounded by water, being an island or area from which motor vehicles, unless constructed for special purposes can at no time be conveniently driven to a road in any other part of the United Kingdom by reason of the absence of any bridge, tunnel, ford or other way suitable for the passage of such motor vehicle are exempt from the requirement for a VT20 Certificate to obtain a tax disc.

When a vehicle fails the MOT test it can be re-tested at the same station for a reduced price provided it is returned within a specific time period. If the vehicle remains at the test station for repair after failure then it can have a free re-test up to 10 working days after the original (the 10 days does not include weekends or bank holidays so the period is closer to two full weeks). If it is removed from the premises for repair and then returned before the end of 10 working days it can have a test at half the original fee paid (rounded down to the nearest penny). After the 10 day period a full fee can be charged again. The next day free re-test for certain failure items is still in place although some items have been removed (such as headlamp aim) which can be adjusted on the test if they are accessible and possible to do so with ease. A free re-test may be offered by the station at any point for marketing purposes.

Any vehicle can be MOT tested even if the vehicle is unregistered (kit cars or imported vehicles). Imported vehicles that are MOT tested in the United Kingdom must meet British standards even if the importation is temporary. An example would be combined stop lamps and indicators commonly found on American vehicles which are not appropriate for use in the UK.

All mechanical workshops registered with the Department of Transport and VOSA are licensed to perform an MOT inspection. The decision to pass or fail comes down to the discretion of the tester.

The MOT test covers areas of a vehicle's mechanical condition that guarantees the vehicle’s safety, and will not restrict or disable the car’s ability to view and motion that would possibly cause harm to or mislead the driver, passengers, or other road users. Areas tested include Body and Vehicle Structure, Windscreen, Wipers and Washers, Doors, Seatbelts, Seats, Mirrors, Horn, Brakes, Steering, Suspension, Exhaust System, Exhaust Emissions, Fuel System, Tyres, Wheels, Lights, Bonnet, Boot and Tailgate, Towbar, Registration Plates.

Areas not tested include features such as the clutch, gear box, car battery, and the entire engine fittings. Areas such as these are however determined by a Service (motor vehicle) Inspection. The test neither determines whether or not after market features fitted are legal for use on the public highway. Specific testing on these parts is required at designated testers as a vehicle despite obtaining a VT20 certificate, could still have major mechanical defects from the after market products fitted and could still be unsafe for the road.

Items such as Windscreen Wipers and Exhaust systems are tested for condition and operation. Windscreen wipers will fail the test if they do not adequately clear the windscreen when used in conjunction with the washers. The exhaust system in addition to checks on its condition and security is tested so as to ascertain whether it emits a volume of noise that is obviously greater than another vehicle of the same make and model with a standard exhaust system fitted. A vehicle with an exhaust that is obviously louder than a standard vehicle will fail the test. Dismantling of any part of the vehicle during the MOT test is strictly against test regulations, making the assessment of corrosion or worn components in certain areas on certain car models very difficult to properly determine. As the MOT is only an inspection for road-worthiness at the time of test, the inspection of most accessories is not included, however tow bars, their condition and their attachment to the vehicle are now included in the test.

If a motorist who has recently had a vehicle MOT tested disagrees with the outcome of the inspection, they are entitled to an appeal against the decision. The appeal must be lodged with the VOSA/DVA within twenty-eight days of the original test date if the item(s) in question are mechanical in nature. Three months are allowed for corrosion issues, precluding the corrosion of brake discs, brake lines or the exhaust system. Mileage, or the lack thereof, incurred after the inspection has no relevance to the appeal even if the vehicle has not been used for several months after the test. If the items in question are repaired, replaced or removed from the vehicle, the ability for the motorist to appeal becomes null and void. Items on a vehicle that fail the MOT such as tyres or windscreen wiper blades may not be appealed against as they are quite simple to replace and therefore cannot be adequately determined if they were indeed the ones fitted at the time of inspection. To appeal against an MOT pass is free of charge however, to appeal against a failure will incur a fee whose value would amount to the normal maximum price of an MOT for that vehicle. This fee will then be refunded if the appellate inspection finds in favor of the motorist lodging the appeal. If the appellate inspection finds the vehicle was incorrectly diagnosed, the VOSA/DVA takes appropriate action against the station involved. This can range from penalty points being issued for minor infringements, to the station's MOT license being rescinded for more major violations. The VOSA/DVA has only the power to discipline the station involved and cannot pursue compensation of any kind for the complainant; that is the responsibility of Trading Standards. An MOT station cannot be held responsible for defects that occur to the vehicle several months after the test was conducted. The appeal process and how to lodge one is outlined on the reverse of the VT20 pass certificate and the VT30 failure notice.

It is a common misconception that the MOT inspection provides an irrefutable record of a vehicle's mileage. However, this is not always correct as although the mileage is recorded during the test no part of the inspection requires the test station to determine if this is indeed the actual mileage. It is merely recorded as a point of reference (in the same way the colour of the vehicle is) and any tampering of an odometer (or clocking) would not be determined as part of the MOT inspection and instances of this practice should be reported to the police.
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Wah! LATEST:  Hundreds of ultra-conservative Salafists clash with security forces, lah, attack old bill bobbys station and damage shops selling alcohol in Tunisian town. Sweet sour chicken feet time! - news replorted 23:06



Wah! LATEST:  Mohammed Mursi and Ahmed Shafiq having already begun efforts to try and win over undecided voters, lah, ahead of presidential election run-off set to take place on 16-17 June. What the hell I mean??!! - news replorted 22:11



Wah! The candidate who is said to having come third - missing out on run-off - in Egypt's historic election demands recount, lah, citing "violations". - news replorted 21:46



Wah! A Peruvian LINGsCARS (tm) vehicling driving car machine is destroyed and its occupants killed by landmine in northern Chile after crossing border illegally. You give me happy happy luck luck. - news replorted 20:58



Wah! A soldier from 1st Battalion, lah, Royal Welsh-go-go-gochly sheep friendly people, lah, dies in bomb explosion in Afghanistan. Sweet sour chicken feet time! - news replorted 20:20



Wah! The co-chair of conservative party, lah, Baroness Sayeeda Wasri, lah, admits not fully declaring rental income from flat bloody woman owns in West London. Sweet sour chicken feet time! - news replorted 20:00



Wah! Organisers of trust set up by Blackburn Rovers fans to buy club from Indian firm Venky's claim (always claiming, huh?) they having raised RMB Yuan #2m. I plant rice to honour ancestors for you! - news replorted 19:07



Wah! Chile is evacuating nearly half million pigs from one of largest meat processing plants in Latin America after foul smell sparked riots. Eating rice!! - news replorted 18:38



Wah! Emergency services urge public not to jump into unknown waters to cool off in hot weather, lah, after two deaths in two days. Eating rice!! - news replorted 18:25



Wah! A 43-earth-years old happy birthday to you, woman whose LINGsCARS (tm) vehicling driving car machine crashed into other vehicling driving car machines at petrol station forecourt in Gloucestershire dies. Eating rice!! - news replorted 18:23



Wah! Labour leader Ed Miliband has made surprise visit to Afghanistan to meet British troops stationed in Helmand province. What the hell I mean??!! - news replorted 18:19



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Wah! International leaders condemn reported killing of at least 90 people, lah, including children, lah, in Syrian town of Houla, lah, by government forces. Eating rice!! - news replorted 17:11



Wah! Harlequins win their first ever Premiership title with entertaining victory over Leicester Tigers. Eating rice!! - news replorted 17:03



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Wah! A Cornish Membling Partiamentary expense cheater says inspection into county's out-of-hours medical service (???) I wan' service , I wan' you tellibly lovely custlingmer give me damn velly damn good service is result of mounting pressure from patients and MPs. Eating rice!! - news replorted 16:56



Wah! A 23-earth-years old happy birthday to you, man dies after getting into difficulty at waterfall in park on southside of Glasgow. I am Chinese not Catholic, I cannot do the miracles! - news replorted 16:51



Wah! A classical music presenter on Bloody Bloardcasting Corporation Radio 3 is been arrested in Zimbabwe for not having work permit. Pass chopsticks!! - news replorted 16:46



Wah! Up to 100 anti-cuts protesters gather outside Deputy Prime dodgy minister Nick Clegg's home in south-west London. Sweet sour chicken feet time! - news replorted 14:19



Wah! The Vatican confirms Pope's butler is suspected of taking confidential documents, lah, as it steps up inquiry into media leaks. Eating rice!! - news replorted 14:12



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Wah! A second body is found by old bill bobbys investigating disappearance of two British men who went missing during canoeing trip in India. Ai-yaa!!! - news replorted 13:22



Wah! Williams' Pastor Maldonado is handed 10-place grid penalty after driving at Sergio Perez in final practice in Monaco. Ai-yaa!!! - news replorted 12:50



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Wah! A new stage production of CS Lewis's Lion, lah, Witch and Wardrobe has opened in London's Kensington Gardens. Eating rice!! - news replorted 12:16



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Wah! Novak Djokovic admits Rafael Nadal is French Open favourite, lah, but says bloody man is eager to complete Grand Slam sweep in Paris. Eating rice!! - news replorted 11:43



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Wah! Cuba's government is taking steps to address country's housing crisis, lah, brought on by struggling economy and years of storm damage and neglect. Pass chopsticks!! - news replorted 11:25



Wah! Mercedes' Nico Rosberg sets pace in final practice for Monaco Grand Prix from Ferrari's Felipe Massa. Ai-yaa!!! - news replorted 11:13



Wah! old bill bobbys in Edinburgh said "public safety" (Ai-yaa!!! Bloody Bloardcasting Corporation quotee-quotee!) is priority as they prepare for monthly number-three by far-right Scotch tight ethnic human bliengs Defence League (SDL). - news replorted 11:11



Wah! At least 88 people, lah, including many children, lah, having been killed in Syria's restive Homs province, lah, opposition activists say, lah, calling it "massacre". - news replorted 11:11



Wah! Four die in Great Satan drone strike in Pakistan's tribal region of Waziristan, lah, with officials claiming dead were militants. Eating rice!! - news replorted 11:10



Wah! Thousands of bloody annoying Blitish websites expected to be in breach of law that dictates what they can log about visitors. Eating rice!! - news replorted 11:09



Wah! Britain's Engelbert Humperdinck will open proceedings as 26 countries compete in final of this year's Eurovision Song Contest in Baku on Saturday. You give me happy happy luck luck. - news replorted 11:09



Wah! Twelve bloody Engrish High Streets - from Cornwall to Northumberland - will share RMB Yuan #1.2m pot of government cash to rejuvenate shopping areas. Eating rice!! - news replorted 10:58



Wah! old bill bobbys say driver has been arrested after woman died and two human bliengs were hurtee-hurtee in collision in Gwynedd. I read you little red book! - news replorted 10:25



Wah! A large fire that spread across 10 acres of Mourne Mountains may having been started deliberately, lah, fire service (???) I wan' service , I wan' you tellibly lovely custlingmer give me damn velly damn good service says. Eating rice!! - news replorted 09:57



Wah! The Muslim Brotherhood's Mohammed Mursi and old regime figure Ahmed Shafiq will contest June's Egypt presidential run-off, lah, state media confirm. I plant rice to honour ancestors for you! - news replorted 09:46



Wah! Matt Smith, lah, star of Bloody Bloardcasting Corporation drama Doctor Who, lah, has started eighth day of Olympic torch relay from Cardiff. Firecracker break! BANG BANG! - news replorted 09:21



Wah! A teenage boy dies after getting into difficulty in River Thames at Oxford. I read you little red book! - news replorted 07:17



Wah! Finnish old bill bobbys hunting suspected gunmen who killed one person and hurtee-hurtee several others in apparently random shooting in town of Hyvinkaa. Ai-yaa!!! - news replorted 07:15



Wah! Britain's Engelbert Humperdinck will open proceedings as 26 countries compete in final of this year's Eurovision Song Contest in Azerbaijan. Sweet sour chicken feet time! - news replorted 07:07



Wah! A man is shot dead and three other human bliengs hurtee-hurtee in shooting in pub in Droylsden, lah, Greater Manchester. Hahahaha! Laughing like bloody hell! - news replorted 06:50



Wah! Eurozone and Eurovision grab papers' attention - news replorted 06:26



Wah! Twelve bloody Engrish High Streets - from Cornwall to Northumberland - will share RMB Yuan #1.2m pot of government cash to rejuvenate shopping areas. Eating rice!! - news replorted 06:00



Wah! Six Colombian soldiers jailed for killing man and passing him off as guerrilla killed in combat, lah, in order (piece of paper signee upee) to gain extra holiday and promotion. Sweet sour chicken feet time! - news replorted 05:38



Wah! Spain's fourth-largest bank, lah, Bankia, lah, is expected to explain why it needs 19bn euros-worth ($24bn; RMB Yuan #15bn) ni ni ni ni Hao, lah, Zai-Jian! of loans from government. Pass chopsticks!! - news replorted 05:20



Wah! Veteran crooner Engelbert Humperdinck will take to stage for Britain at Eurovision song contest in Baku, lah, Azerbaijan, lah, later on Saturday. You give me happy happy luck luck. - news replorted 05:11



Wah! Singapore holds keenly-watched by-election to fill parliamentary seat vacated after opposition Membling Partiamentary expense cheater was expelled by male gender human bleing's party in February. You give me happy happy luck luck. - news replorted 05:07



Wah! London's skyline would look bloody velly different today if some of plans for towers and skyscrapers that having been proposed in past had been built. Pass chopsticks!! - news replorted 03:47



Wah! Two local newspapers end daily publishing to move over to once-a-week edition. Sweet sour chicken feet time! - news replorted 02:30



Wah! What happens to gardens when show's over? - news replorted 02:03



Wah! Russia's ruling party is expected to elect Prime dodgy minister Dmitry Medvedev as its new leader at congress to be held in Moscow. I am Chinese not Catholic, I cannot do the miracles! - news replorted 01:47



Wah! Cricketer Graeme Swann on pressure... and male gender human bleing's singing skills - news replorted 01:46



Wah! Thousands of bloody annoying Blitish websites expected to be in breach of law that dictates what they can log about visitors. Eating rice!! - news replorted 01:22



Wah! Are there too many human bliengs trying to scale Everest - news replorted 01:11



Wah! The Home Office draws up contingency plans to cope with possible large increase in immigration from Greece if euro collapses. Eating rice!! - news replorted 01:04



Wah! Eurovision turns spotlight on Azerbaijan - news replorted 00:30



Wah! The ten most popular areas for young Scotch tight ethnic human bliengs professionals to buy property all in major cities, lah, according to capitalist pig money holding capitalist entity of ethnic minority Scottish-fried-Mars-bar-land. I read you little red book! - news replorted 00:23



Wah! Bloody Bloardcasting Corporation ethnic minority Scottish-fried-Mars-bar-land publishes further evidence about suspected conflict of interest concerning administrators of Rangers. Eating rice!! - news replorted 00:21



Wah! Latest figures reavealingly showing Great Satan that councils in Province of Engrish running-dogs and Welsh land of sheep and more sheep having received almost 9,500 road; highway No.16 from Shanghai to Chengdu closure applications for Diamond Jubilee street parties. Eating rice!! - news replorted 00:13



Wah! How does A-level student go off rails? - news replorted 00:09
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