RAF FF Case Study Personal Contract Purchase

Monday 15th February 2021

Ken Wood shares how the RAF Families Federation has recently helped two Servicemen take their cars with them on overseas postings to Cyprus whilst being mid-contract on PCP or other financial agreements.

The situation

Eddie’s story

Eddie is a JNCO that was advised to contact the RAF Families Federation by his Chain of Command as he was being posted to Cyprus, had a BMW on PCP and wanted to take the car with him. After he contacted his finance company he was told he couldn’t take the car with him and he had two choices:

  1. Pay £5,227.00 and hand the car back having already paid 17 months of payments on the car (so a big loss and no car)
  2. Find £19,000.00 to pay off the finance

Jonathan’s story

Jonathan was given a short notice posting to Cyprus and also wanted to take his car with him. Jonathan’s car was also on finance.

How we helped

In both of these cases, the RAF Families Federation’s Support and Outreach Team member, Ken Wood contacted the two separate finance companies on the gents’ behalves. Ken put the case forward that Eddie and Jonathan were both actually Serving in the Armed Forces and not just ‘choosing’ to move over to Cyprus to work and as such, requested that they review their initial decision based on these circumstances.

The outcome

In both of these instances we were able to support both gentlemen with a positive outcome. As it turns out, the BMW dealership did in fact have a policy in place to support UK Service personnel and so we were able to line up the dots to utilise that policy. Jonathan too was successful with his finance company granting permission to take the car overseas. So on these occasions – we were able to reach successful outcomes for both gents!


Eddie emailed us to say:

So, I’ve just heard back from my finance company and they are letting me take my car away with me!! Thank you ever so much for all your help, it’s greatly appreciated. My wife and I couldn’t be happier.

I have never had service like what you have given and I will be recommending you to all people who are faced with what I have been through. Brilliant!

When I was put through to Ken and informed him of my stressful circumstance he immediately put me at ease and everything that he told me was positive. We both knew that this wasn’t going to be straight forward to sort out but his confident and friendly approach to everything was the
reassurance I needed. My case was in good hands and I knew Ken would do everything he possibly could to help me out.

We are over the moon with this result and we can’t thank Ken at the RAF Families Federation enough! Ken went the extra mile and provided exceptional service for us. If people are ever faced with an issue like I was, please do not hesitate to get in contact with the RAF Families Federation.

Thanks again Ken

Jonathan emailed us, saying:

After being given a late notice posting to Cyprus I required to take my car but my finance company initially said no. My colleague recommended that I
contact Ken from the Families Federation as he had helped him recently.

Ken was able to speak to my finance company and get them to agree to take my care with me. He was a great help and a huge weight has been lifted off my shoulders.

Good news I had a call yesterday and they are allowing me to take the car.

Thanks for your work!

How the RAF Families Federation can help you

These cases highlight the impact that we can have when dealing with outside agencies and how we can make a difference and influence organisations to look at its procedures to help Service personnel and their families.

It is worth noting that we do urge you to read the small print before you enter into any formal car finance agreement. Particularly with postings/tours being a requirement of your military career as Service personnel.

Not every case ends up with success, but we are always able to explain the reason a decision has not been made in favour of the Serving person and their family members – and if an emerging theme of disadvantage can be seen we are in a position to do the lobbying.

Contact the team:

You can contact us in the first instance using the ‘Report an Issue’ form. you can contact the team by emailing [email protected].

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This story comes to you as part of the RAF FF’s themed months over January and February on all things relating to careers and finance. This article is also shared through our quarterly magazine, Envoy (Spring 2021 edition), live from 1 March 2021. You can keep yourself up to date with ongoing information and advice shared by signing up to our (free) weekly eBulletin and Envoy magazine

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