M60 closed due to 'police incident' near Manchester
Traffic cameras show police and fire and rescue crews on the carriageway. National Highways said: "If this closure impacts on your planned route, please allow extra journey time. "Plan ahead, you may wish to re-route or even delay your journey."The agency said the diversion route can be followed by exiting the M60 anti-clockwise at Junction12 and keeping left to join the M602 eastbound.
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BBC News
23 minutes ago
- BBC News
Car finance judgement 'a hard pill to swallow'
A ruling by the UK's most senior judges later has closed down an opportunity for millions of motorists to claim compensation for motor finance Supreme Court decided not to uphold an earlier ruling which found that hidden commission payments to car dealers were the ruling left open the possibility of claims for compensation for large commissions that were BBC talked to two of the people who brought the case to the Supreme Court, plus a person who is planning to make a claim. 'A really big bag of salt' Marcus Johnson from Cwmbran, Torfaen, was one of the claimants in the landmark described the the outcome as "a bitter pill to swallow", although was awarded just over £1,650 on the grounds that his relationship with the lender was said he was "pleased for myself, but not for the hundreds of others" who will now miss out."It's weird," he said. "It's a win, but it's a really big bag of salt to go with it".He was 27 when he bought a blue Suzuki Swift in 2017, and did not know that the commission had been paid, although the lender said he had signed a after passing his driving test in June of that year he walked into a car dealership, and within an hour was driving away in a car he liked, "very excited".It wasn't until threes years later, when he had paid off the finance on the car, that he realised he still had almost the cash price of the car left to was then he decided to contact the three claimants won their test cases, it could have opened up lenders to compensation claims totalling about £ it stands, that bill could shrink to between £5bn and £13bn, according to accountancy and advice firm BDO. 'There's still meat on the bone' Andrew Wrench has been described as "a postman with a penchant for fast cars".He says that description "made me chuckle". The 61-year-old is ex-forces, and also held other positions before becoming a postman, but he is proud to have been described as "the Erin Brockovich of Stoke-on-Trent".He says he is pleased that Marcus was awarded compensation, and that there will be further claims arising from that judgement."There's still meat on the bone," he says, adding that he is glad he helped throw light on the subject, even though his own case was not successful."I just want people to be accountable, and I don't want them getting away with being deceitful and dishonest," he adds. "It all comes down to: honesty is the best policy."Andrew's lawyer, Kavon Hussain of Consumer Rights Solicitors, says that the judgement was "a mixed bag", but showed that the Supreme Court expected car dealers to "always be acting in their own interests" and people should not expect a good deal. 'I'm going to chase my claim' Although it has been a mixed result for the claimants in the case, some people are determined to pursue dealers were paid a bigger commission if they sold a higher interest rate on the were known as discretionary commission arrangements (DCAs) and were banned by regulators in Caffrey, from Blackburn, bought a car in 2009 after maternity leave. Her son was born with certain medical needs, and she wanted a car to get to work and multiple doctor appointments."I'm going to pursue my claim, but I do feel for the people it's put a stop to," she says. "They won't be compensated and I find that quite sad."Jemma feels she was "taken advantage of as a vulnerable new mum". She trusted the car dealership to give her the best deal it could, and paid a high interest rate for her blue Corsa, which she named "Colin". It was not until years later, having read about car finance in the local press, that she went to a law firm to bring a now intends to pursue it.
BBC News
3 hours ago
- BBC News
Car finance payouts limited, but lenders aren't off the hook
There may well be a few sighs of relief from senior finance company and banking executives following the Supreme Court's ruling, but it is unlikely you will hear the champagne corks verdict does almost certainly reduce the potential compensation bill significantly. Lenders no longer face the prospect of having to pay £30bn to £40bn to aggrieved car buyers. The likelihood of the government stepping in also appears to have receded the industry is not off the hook. The Financial Conduct Authority may still open a redress scheme for cases where dealers had a financial incentive from lenders to ramp up interest rates on loans as much as possible. The Supreme Court's ruling also upheld one consumer claim, in which the commission payments were deemed unfair – and that could provide a template for others to follow. All of this means the compensation bill could still be in the Supreme Court's intervention has been eagerly awaited since October, when the Appeal Court issued a verdict in three test cases which could have triggered an avalanche of compensation each case, people who had bought cars on finance claimed they were partially unaware that the deal had involved a commission payment being made by the lender to the car dealer. They claimed that in law the commissions amounted to bribes, or secret Appeal Court judges agreed, essentially saying that commission payments made by a finance company to a dealer for arranging a car loan were illegal if the car buyer had not given his or her "informed consent".They also concluded that a car dealer had a "fiduciary duty" towards the car buyer when it came to arranging a car loan. In other words, the dealer should set his or her own interests aside, and act purely on the customer's meant that millions of car buyers could potentially claim compensation – if they could show that the dealer had not specified what commission payments they were receiving for lining up a finance deal. It was not enough for the details to be buried in small had feared that this would lead to an avalanche of claims against them – and that the same arguments could be used to challenge other kinds of consumer finance agreements as well, potentially increasing the compensation bill still the Supreme Court threw very cold water over those arguments. The President of the Court, Lord Reed, dismissed the idea that car dealers had a "single minded duty of loyalty" to their customers, and insisted they "plainly and properly" had personal interests in the finance agreements they were involved ruling clearly blocks off what could have been a very wide avenue for compensation claims. However, the court did side with one of the claimants. In the case of Marcus Johnson, a factory worker, it decided that the finance agreement was "unfair" under the terms of the Consumer Credit Act. This was because the size of the commission payment was very large, and because Mr Johnson had been misled about the relationship between the dealer and the lender. He was, they said, entitled to say this could open the doors for other cases in which the commission payments are seen to be is also a key question the Supreme Court ruling does not answer. This is what should happen in cases involving so-called Discretionary Commission Agreements (DCAs). These were finance deals in which the car dealer could set the interest rate of a loan, within a set scale. The higher the rate, the more commission they would be paid – and the customer would be unaware of the Financial Conduct Authority banned such deals in 2021. It is now considering whether to launch a redress scheme for consumers who were affected by them. If it goes ahead, millions of car buyers could still have a claim, though it is not clear how much compensation they would to Richard Barnwell, a financial services advisory partner at accountancy firm BDO, the bill could still be substantial."We believe there is still a potential for redress, for example, if discretionary commission arrangements are deemed to be an unfair relationship, redress could still be from to £5bn to £13bn or more," he analysts agree. According to Martin Lewis, who runs the MoneySavingExpert website, "the Supreme Court has certainly narrowed the number of people who will be able to reclaim car finance. I think you're probably talking the lower end of £10bn, as opposed to £40bn."That £10bn would still be a significant figure. But the finance industry appears to have avoided the potential free-for-all rush to claim compensation the earlier verdict had threatened to spark while the Treasury says it will "work with regulators and industry to understand the impact for both firms and consumers", the BBC understands that the likelihood of the government intervening with retrospective legislation to protect financial firms has now diminished law of bribery only applies to persons who owe a single-minded duty of loyalty and are therefore bound to have no personal interest in the matter that they are dealing the present case the car dealers plainly and properly have a personal interest in the dealings between the customers and the finance companies.
Daily Mail
3 hours ago
- Daily Mail
RAY MASSEY: Genesis G80 is a swish, smooth sensation
Get me to the church on time!' was initially all I demanded of the new all-electric G80 saloon from Genesis, the luxury arm of Korea's Hyundai group. I was headed to the historic Ashridge House in leafy Hertfordshire, to see my godson Warwick and his bride Nataliia tie the knot, and needed an equally swish set of wheels to fit the occasion. And boy, did the G80 deliver – in ding-dong style. Available exclusively as a long-wheel base model, the car – mine was in a sparkling Geneva Silver – has passenger comfort firmly in mind. In addition to plenty of legroom, there is a centre armrest for those in the back, and the second-row comfort pack (£2,640) includes heated rear seats, too. Genesis has also added Chauffeur to the list of available modes (Eco, Comfort, Sport and Snow), allowing for super-smooth driving. In fact, had my services been required for the happy couple, all I'd have needed was a smart cap. With its striking 'face', sharp lights and Nappa leather interior, the zero-emissions limo was also a head-turner, with a hint of Bentley in the latticed grille – cunningly disguising a charging point. Riding on 19in wheels as standard, the all-wheel-drive G80 is powered by a new, larger 94.5 kWh lithium-ion battery, and a 370 horsepower 272kW dual motor system. It goes from rest to 62mph in 5.1 seconds, up to a top speed of 139mph. For instant oomph while cruising, it will cover 50mph to 75mph in 3.3 seconds. Claimed range has increased to 354 miles. The G80 also features a driver-controlled powered rear-closing door system, soft-close doors, rear and side window electric blinds for added privacy and sunshade, and twin vanity mirrors. Being electric it is also exceptionally quiet, though you can opt for a futuristic EV sound. Head-up display is great for viewing sat-nav directions and speed limits through the windscreen while keeping my eyes on the road ahead. Live images of what's behind you flash up on the dashboard when you indicate left or right, which helps eliminate dangerous blind spots. There's extra comfort up front too (a £1,780 option) with relaxing driver and passenger massage in the cossetting but sporty 'ergo motion' 18-way electrically adjustable seats. However, the erratic voice control often lost a lot in translation. Although it has a wide 27in digital screen, key functions are controlled by dials on the centre console. Steering wheel paddles alter the regenerative braking resistance – right up to 'one-pedal' driving – so you brake by taking your foot off the accelerator. You can turn myriad warning systems off, but the alert for cars about to cross behind you is useful when reversing, as are live images of what's behind you. The G80 is only slightly let down by its boot, measuring 334 litres. It's not cheap, either: prices start from £75,615, though my car, with £10,000 of added wedding bells and whistles, cost £84,925. More than an everyday runaround, this is a car for an occasion. Wedding planners, chauffeur firms, busy executives – take note. Will it fit in my garage? Genesis electrified G80 On sale: now Price: from £74,800 Price as driven: £84,925 Seats: 4/5 Colour: Geneva Silver Style: Large extended-wheelbase limousine saloon Powertrain: Electric EV all-wheel drive Length: 5,135mm Width: 1,925mm Height: 1,480mm Wheelbase: 3,140mm (an increase of 130mm) Wheels: 19-inch silver Tyres: Bespoke Michelin Pilot Sport 4 Weight: 2,410kg Energy source: 95.5 kWh lithium ion battery Propulsion: 272kW dual motor (136kW for each of the two motors, front and back). Power: 370 horse-power 0 to 62mph: 5.1 seconds 50mph to 75mph: 3.3 seconds. Top speed: 139mph Range: 354 miles Boot: 334 litres Entertainment: 17-speaker Bang & Olufsen 10-level surround audio system Interior spaceRear passengers: Legroom: 995mm (up 83mm) Headroom: 950mm (up 20mm) Charging times DC ultra-fast to 80 per cent: 25 minutes DC fast-charge to 80 percent: 84 minutes AC Wallbox to 100 per cent: 8 hours 30 minutes Motoring trip for car fans Looking for a late break that combines a love of supercars and superbikes with great food and fun? Then consider a trip to Italy's Motor Valley, which I visited recently. Supported by legendary car and motorbike makers including Ferrari, Lamborghini, Maserati and Ducati, the initiative showcases the automotive talent and expertise of the Emilia-Romagna region. And Bologna – home of food favourites including tortellini, mortadella and, of course, bolognese sauce – is at its centre. The Motor Valley website ( highlights 13 motor museums to visit plus other attractions such as the Ducati World amusement park (above). Claudio Domenicali, CEO of Ducati and president of the Motor Valley Development association, says: 'Motor Valley represents Made in Italy excellence in the automotive and industrial production chain.'
