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Hello and welcome to a mostly bespectacled Episode 51 of the car podcast with Chris
Harris and his pals.
Three of us are UK based.
One of us is living it large in Ibiza in it, Manish, with his bins on.
Let's start straight away with a very, very important point before we start why I'm wearing
bins.
There is a really good reason to do that.
Okay.
Well, basically just before I came out on holiday, I bought two pairs of spectacles.
I haven't been to have my eyes tested in a while and I had a normal prescription
pair and I had these prescription sunglasses made on my first evening in Ibiza.
I perhaps partook too much of the rosé.
Mr. Step got my balance right.
This is whilst wearing the normal glasses and did that thing that you never do.
I walked into some patio doors.
I hit my head so hard the actual glasses flew off and the right arm snapped off.
Because they're really brand new glasses that you're supposed to put on, they kept
doing this.
If I did it with one.
The bottom line is I've spent five days wearing sunglasses to bed, breakfast, lunch, dinner,
shower.
I've basically got to wear these, otherwise I can't see.
So that is why I'm wearing these glasses.
I apologise.
That is one of the best excuses I've ever heard, Manish.
You look cool as you've got palm trees behind you and a lovely blue sky and Chris
Cooper is now taking the piss.
Right.
Let's start with this.
What should James Bond's next car be?
There's so much chat about who the actor should be, but the conversation is all wrong.
No one gives a shit who plays James Bond.
We care about what the car is, don't we?
That's of course we care about the actor, but fundamentally the cars are what it's
all about.
I'm going to go straight over to our James Bond car correspondent, Neil Clifford,
who I'm sure has some thoughts on this subject.
My thinking here is new owners of James Bond, or half-owners, Amazon.
Well, if you read the detail, they've still got a 50-50 JV on the creative authority of
the thing.
I thought he completely washed their hands of it.
No, the brookleys are out.
They're gone.
Yeah.
Brookleys are gone.
Well, yeah.
Have a read of the detail of that.
Anyway, I agree.
It's Amazon.
So Amazon have got to come up with a whole new strategy of James Bond, and probably let's
hope not, but could well possibly bugger it up.
But let's hope they don't.
Let's hope they come up with a great strategy.
Now, if I was doing that, my strategy would be a bit like some of what Star Wars, where
you go back.
You go back further.
You go back to the start.
A bit like Wicked, which I think was about the witches, wasn't it?
And therefore, you're going back to the original James Bond.
You're going back to whenever it was, Manish will know, the 30.
Wicked was the Wizard of Oz, wasn't it?
Yeah.
Wicked was pre-Wizard of Oz, yes.
So you're jumping back.
And therefore, you're going to put him in a Bentley, because you're, you know, not
as if I've read the bloody books, but if you Google it, he drove a Bentley.
And he drove a slate gray or flat gray Bentley with red leather.
Nice.
So there's going to be a bidding war anyway on this, isn't there?
Because, you know, it's the most over-commercialized film in a great way, and, you know,
a ship on movie is great.
But there's so much product in there, isn't there, that's paid for.
So there's going to be a bidding war between Aston and Bentley.
They will win.
And then you're going to take that new SuperSport, that's not on their website, but I've seen
it on Instagram.
They've launched a SuperSport.
It's not on the website, but you're going to bore it out, because the current car is
a four-litre V8, but the original Bond car was a Bentley four-and-a-half-litre blower.
So you're going to make a special one of 50, because you're going to commercialize it as
well on some of these cars.
And you're going to make it into a race engine, a four-and-a-half-litre Bentley.
And you're going to take that hybrid shit out, and you're going to put two superchargers
in this car.
So it's going to be 800 horsepower, but not hybrid.
And you're going to make 50.
And then it's obviously the real James Bond's car is going to have machine guns
and ejector seats and smoke and other little toys that we can possibly think of.
But basically, it's a slate gray, non-metallic, Bentley SuperSport, bored out four-and-a-half-litre
twin supercharger, and we all want one.
That's what we're going to do.
There's a lot of sense in there.
Manish, I have to say, is often seen reading rather lovely old, well-thumbed copies
of Ian Fleming Bond novels.
I've never seen him read so many, or anyone read as many as he does.
So you must be an authority on this, Manish, or have thoughts?
I do.
I always bring on holiday.
In fact, he bought from Russia with love with me.
And if you remember the movie, right at the beginning, Bond is by, I don't know
where he is.
He's in Henley or somewhere.
He's in the wooded area, at the wooded cops.
Yes.
And weirdly, the lady who played that in the film was meant to be in many Bond films,
but she only made two.
And in fact, she's the one that he says Bond, James Bond to, in Dr. Noah, the casino.
So you actually see her twice.
I think of all the topics we've ever had on this podcast.
This is the hardest I have ever faced.
I think this is a really, really difficult challenge that I was imagining.
For me, the iconic Bond car is obviously Sean Connery's DB5.
And I was wondering, why is this thing so iconic?
Well, I think if he'd parked that on Bond Street, you at the time, it might have slightly
turned your head, but I don't think you'd want to graffiti it or scratch it.
I think if he'd parked that and you saw him get out and have lunch at Scots with Moneypenny,
you just think, what a cool guy.
And it was such a sort of complete car.
The look, I mean, just, you know, when something is just right, I didn't think that Bentley
Blower was right.
No, I wrote, I mean, a few qualities.
The Bentley Blower was powerful.
It was agile.
Probably the most important thing was it was resilient.
It was designed for Le Mans.
When that car could go flat out for 24 hours, Bond very often has very long chases.
Goldfinger in the North is a fantastic, very long chase in that.
But I said, it's got to be parkable anywhere and kind of slightly vanish.
It needs to be repairable because Q has got to be able to repair this car.
And it's got to be loaded with all kinds of gadgets.
And you know what?
I think they have to build.
I think they have to build a new Bond car.
And I think it's got to be somewhere between this McLaren F1 SL that Murray has done.
I think it's also got to be a bit Aston Martin DB12.
And I think it's got to have the interior of the best ever modern Bentley.
So that's my answer.
There isn't one.
I think you have to invent a car and it's going to be an Aston Bentley McLaren.
Colab.
Colab.
Yeah.
Yeah.
A British car.
Colab.
Yeah.
Manish.
I think it's very, very nearly right.
I think this is, I think this is the biggest question in motoring right now, by none.
I almost think this is an emergency podcast territory.
In fact, Finn, when we go back, we have a little, the little Frank Drebbin, little
police squad red revolving thing and the wah wah wah.
Very close to emergency podcast territory for actually very similar reasons to what the
two of you chapters had so far.
You kind of go back to the beginning, but you're not quite sure that's where you actually
want to be now.
And I think I almost, if we had more time, I'd have prerecorded myself in front of
the McLaren factory, a Bentley factory, an Aston Martin factory, and a Jaguar factory
zipping around just to sort of show how dramatic and important this question is.
I also agree.
I think this is a car that doesn't exist yet.
It's definitely British and probably more so than that DB10 thing they did in that
inspector and became the first modern V8 Vantage.
They called it DB10, didn't they, in the film?
They made some for their best customers, so they do exist.
I've never seen one for sale.
No, I've never seen one.
But I think the dominant gene of this collab, I think it's a Jag, I think it's a Jaguar.
It's a Jaguar that we'd all, we'd all dreamed to exist.
And a new bond.
Wouldn't that be great if a new CEO of Jaguar did that?
Yeah.
That would be pretty cool.
Yes.
Would that be?
New Jag.
How irritating am I that you've said that, because that was my idea.
I should never have let you go first.
Great mind.
He just, he butted in, you didn't let him go first.
Sorry about that.
I agree more.
And I think Jaguar has the opportunity to pull off the PR coup of the decade and right all
of the wrongs of that pink nonsense, if it just said, right, what's our marketing budget
for the relaunch of this thing?
Just throw it all at Bond, make a Bond car, throw everything at Bond and it's, and hopefully
we'll have a massive cool Britannia revival, it'll be like 97, a lot more like Brit
pop is cool.
Yeah.
The country will feel good about itself.
Yeah.
We'll get the Olympics back.
Everything will be brilliant.
We're at the Oasis.
Maybe it's a B type, a Bond type.
They never did a B type, did they?
That's good.
Love it.
I love that.
We should be in charge of everything.
We could.
It's interesting when Manage said, I'm trying to assess, you know, what is a Bond
car?
It's really interesting.
I'm lucky enough to have stood in a room full of real Bond cars, not at a museum, you
know, and a private shoot.
And actually, it's a much more varied nuanced subject than we realise.
And I don't, even though the DB5 is the iconic car, or I'm told it was a DB4
Vantage, wasn't it actually?
It wasn't actually a DB5.
Is that not the case?
I think it was a five, wasn't it?
No, it's a four Vantage.
Four hasn't got those headlamps.
Five has got those headlamps.
Go on to the forums.
So I said DB5 in front of someone with a large forehead.
And they went, no, no.
So, but when you stand around the cars, you do realise that actually, when I was
a kid, it wasn't a DB5.
It was the wider spree from the survive.
You love me.
There was a much more powerful symbol of James Bond's driving scenes, I think.
And I think a brand like James Bond should serve as a resurrection
tool for our great car brands.
So if it's not Jaguar, and if it still survives, it should be a Lotus.
But just, you know, Bentley's doing fine.
McLaren's got its recovery package going.
I think it should be either a Lotus or a Jaguar.
Yeah.
I think it'd be great.
I'll show you a little photo that a friend of mine took this.
This is, can you see this?
This was just parked in his, just randomly today.
He heard about this question.
He said, look what's parked in my little outdoor car park.
I think that's a DB4.
And what year is that, Bentley?
Yeah, it is.
It's a V8.
Oh, it's a J.
There's no doubt that, you know, Aston is a great Aston.
For me, it's still Aston.
But I would shake it up if I was...
I think that's where we've all got to, isn't it?
Yeah, it is.
Yeah, but Aston's cool.
But Jenny, do you know if you've been directing it?
And Stephen Knight is going to be right.
I mean, they're going to be brilliant.
I promise you, the films are going to be absolutely brilliant,
whatever they are.
I mean, you could see them in a vanquish.
I mean, what's the silly one?
Valhalla.
Valkyrie?
No.
No.
That's a toy car.
He never has a toy car.
No.
No, it has a car with toys.
Didn't they have the Valhalla in the wind tunnel?
God knows why there was a wind tunnel anyway.
In the last Daniel Craig thing, just sort of behind him.
And God knows how much they've done for that.
Yes.
Yes.
I mean, the Victor, that one-of-one thing.
Yeah.
That's a cool...
Yeah.
That's a cool bond.
That's got a whiff of bond about it.
Yeah, it has.
It has.
But, I mean, Jag, that would be a marketing piece of genius,
that would.
Yeah.
That would write all of the wrongs.
Yeah.
OK.
Name a car trying a bit too hard.
That's a really, really good question, that is.
I'm going to go straight to Cooper on this.
Oh.
So, quite interesting question, isn't it?
What do we mean by trying too hard?
Do we mean uncool?
Or do we mean the right direction,
but it actually took itself too seriously?
And I think what we mean by that...
I mean, it's Neil's question,
if we were anything to see what Neil,
how Neil you've interpreted this.
But I kind of thought, I started thinking,
if this was a person, how would we know
that this was a person trying slightly too hard?
And I...
Bear with me for a second on this one.
When you...
Not that I watched them, but I'm aware that they exist
and occasionally see them on here,
these sort of reality TV things like Love Island or whatever.
And the blokes on there have clearly...
They've been to the gym,
but they've just taken it slightly too far.
So, their calf muscles are just too big.
That's not cool.
And they wear those trousers.
They wear those trousers,
which the young folk of today seem to...
Some of them, not all of them,
but some of them seem to very, very much cherish,
so the trousers are just too tight.
So, they're stretched over these distended calves
and they're slightly too short.
Don't like that.
Trousers are too short.
No, my mother would be horrified by that.
So, it's sort of...
They've gone the right direction,
but it's just...
It's slightly too much.
It's sort of...
Could it be uncool?
I think it's just trying.
No, now we don't like it.
It's offensive.
It's sort of...
I wouldn't have you around for tea.
I wouldn't be seen in that car,
would be what it was.
I think there's a real life...
I say real life.
It's not real life.
Both of these cars.
There are two, basically.
One is an example of where it didn't use to try too hard,
but now it definitely does,
and that's the Audi RS6.
Didn't use to try too hard.
Tries too hard now,
but there is only one winner of this question.
Don't fucking choose, my new bastard.
It's the T50.
Okay, that's not my...
It's the T50.
That fan is trying too hard.
The ones that he announced in Pebble Beach Quail,
neither of them had that little fanny thing on the back.
Even the beautiful, and it looks beautiful,
the way he's done the F1 thing.
It doesn't even know what Peter Stevens thinks.
I suspect we all know exactly what Peter Stevens thinks of that.
But I think the T50...
He's letting everyone know on Instagram.
Yeah, the T50 is trying too hard,
because it's sort of a bit unnecessary.
If you like that idea of a little big fan-suckery
sort of downforce thing,
the mercury have kind of sailed that ship
and sunk it in the mouth of the harbor,
and nobody's coming in or out.
So the T50, I think, right now...
And it's really irritating,
because the cars that try too hard,
you think, no, why did you do it?
You didn't have to do that.
That's my answer.
I'm really torn by this,
because I get what you're saying.
I was lucky enough...
I can probably say this,
but I'm breaking the embargo.
I spent a bit of time down at GMA last week,
and I got to talk to Gordon.
He's not been very well,
and it's really good to see him so full of energy.
It's quite weird when you're standing next to someone
who has achieved things that I can only imagine achieving.
And when you're asked about his car,
I can't but be honest.
I never quite got the way it looked.
And he doesn't get offended at all.
He's very professional.
He just goes, yeah, he goes,
I wanted to design something that was timeless.
It was about the packaging.
It wasn't about added bits,
and therefore the fan bit for him,
I do believe, was honest.
But what I find really strange is,
now I've driven it,
I view the car completely differently,
because once you've read the thing out to 12 on the road,
you view it completely differently.
Yeah, the engine's mega.
No, but it totally alters the way you look at the car afterwards.
It's such a weird thing.
I drove it,
and now I have utter lust for the vehicle
in a way that I just didn't before I drove it.
I'm prepared to drive it
and arrive at the same conclusion.
I'm available for that realignment.
You're also so cherished.
Yeah, the fan, I get the fan bit,
but I can't really describe the engine.
I can't really describe the rest of it.
It's an extraordinary motor vehicle.
When you're driving it, you're not looking at it, are you?
No, exactly.
Matt Manish, what do you think about this?
Well, do you remember a while ago,
we talked about facelifts
that we thought made cars much worse?
And I'm just going to take the Chris Cooper analogy a step further.
So you're talking about something
that fundamentally could have been right,
could have been okay,
but actually,
going to the gym,
taking too many steroids
and wearing the wrong trousers
just took you out.
For me, there's only one,
and it's a particular one.
It's the Kuntas 25th anniversary,
but with a wing.
Yeah, that's good.
And I think that wing,
there's just something about adding that wing
to an already absolutely unnecessary car.
You just add an unnecessary wing.
I mean, there's no way James Bond is driving that,
or a captain of industry,
or a very capable heart surgeon.
I mean, that is definitely,
I really want to be Rod Stewart,
but I can't sing.
There is something so wrong about that car.
That is for me the ultimate.
And in white,
it's just everything that could be trying too hard
about a car.
Yeah, it is trying too hard, yeah.
Neil, I think you posed this.
I really like this, Gawd.
I did.
These are two good questions to start off the podcast.
I think we're peaking too early, Chaps.
I was going to go SF-90,
just because, for fuck's sake,
if you design a car,
you can't put any luggage in it.
You just get in yourself about it, really, aren't you?
But I think for me, there's a clear winner.
It's one specific car,
but it's a series of cars,
which one manufacturer, which we all love
and we talk about this manufacturer,
often for many other people, too much.
It's limited edition 911s.
And I'll give you a specific one.
The Targa.
Well, the Targa could be up there, right?
The Targa's also shit, isn't it?
But the 50th anniversary turbo.
Yeah.
With the 50 written alongside.
And actually, any...
Okay, they do the GT3 thing and all that.
It's amazing.
That's their limited edition.
But when they start taking standard cars
and coming up with a stupid reason
to try and get another 20 grand off the punters,
but more importantly than that, they stick horrible.
The Germans are really quite bad at livery and logo.
Yeah.
They stick horrible liveries on them.
And then on the website,
Porsche Design Chronograph.
Only for the owners of high performance anniversary edition,
the Porsche Design Chronograph 911 Turbo 50th year watch,
limited to 1,974 pieces,
brings the feeling of the turbo to your wrist.
Lots of wank.
What the fuck is that all about?
With this poor guy going,
I had to buy this fucking watch to get this car.
It's already gone down 25 grand.
The limited edition Porsche thing is...
And we adore Porsche and they make some of the best cars,
if not most of the bloody best cars in the world.
But when they start doing liveries and stickers
and limited editions,
because they're all sat around the boardroom going,
shit, sales are 5% down.
What can we knock up now for an extra 30 grand?
Oh fuck, it's 50 years of the turbo.
It's really trying too hard.
That is.
I totally agree.
That's a good call.
Well, at least you know you'll be on the list
for all the limited series cars in the future.
There's a rumoured SC coming.
The convertible GT3.
Yeah, that's the world's worst.
World's worst secret.
I've just been crossed off the list.
Somewhere between Redding and Bristol.
Approximately.
This is a great question because
my interpretation of it is
probably from a
journalistic view.
This probably won't happen ever again,
but one of the most exciting events
if you're a total car nerd
throughout the 70s, 80s, 90s and into the 90s
was when you had new market entrance.
So you had brands that were established in other areas
that would make a model that would take on
a new vertical they hadn't been in before.
They were the best moments.
They generated amazing vehicles.
Some really clever thinking.
Think of when Mercedes did the 190.
They took on the three series.
In the early 80s that was huge news.
When Honda bought the NSX
straight at Ferrari and Porsche's Gullit,
the NSX took on the three series.
What often happened was
you could tell how well controlled
a brand was.
Whether the people that ran the company
really understood what they were doing.
Because they would normally execute in a way
that made you go so seamless.
They'd been in that marketplace for years.
When the 190 arrived,
they were like, you've been here for 10 years already, haven't you?
The 190 just looked right.
The genius like Bruno on the books
is going to be much easier to execute.
I remember a few of those
when I was working that were really exciting.
I remember going to see the Lexus IS 200
which was huge news.
That was Lexus taking on the three series.
That was their 190 moment.
And I think that slightly fell under the
heading of trying too hard on reflection.
There was a brand that was doing so well in America
and they tried to take on the three series
but they couldn't quite do it.
They built a car.
I remember a BMW engineer telling me when they took one apart
that they thought the game was over
because they couldn't believe how much money Lexus spent
on all the components and we can't compete with this.
But the sum of the components
was missing something.
And what they did is they applied a bit of chints.
I always remember the rear lights of the IS 200
was my definition of trying too hard.
I remember, yeah.
I just saw them and thought,
they're just a bit too dual like that.
The rear light clusters alone
is trying too hard.
So there's a few examples
in my working life like that.
I think that was one.
I also
totally agree that the latest RS6
is the definition of...
Is it trying too hard
or is it going a step too far?
Are they different phrases?
It's very interesting distinction.
For me it's gone a step too far.
It's lost any sense of cue
which was the whole point of the bloody
genre wasn't it?
The superstate is supposed to lurk under the radar
and I think it looks faster stationary
than any Ferrari, the RS6.
The car that for me takes it
is just trying too hard
actually that I've driven.
It's an exciting motor vehicle
and I'm not trying to wind them up
but if you look at the starting point
of the F12 Ferrari
I think one of the great
road-going Ferraris, if not
for sure.
It ends up as the 812 Evolutioni
which
I saw one yesterday at Silverstone
and I honestly think
if the four of us got together with some MDF
some glue and a load of beers
we could do a better job.
It's an absolute abomination to look at.
The green car
that was opposite the family.
I just don't get it.
I don't see how that is factory sanctioned.
So talk about trying too hard
if you drive that
sorry
I'd have an F12 all day long
but there you go.
These are three examples from me.
We all had a go at that.
It's a good one.
I've got loads more.
Car
finance
I'll add one other thing.
I always thought
I always had
in my mind
an absolute top-line model
of a car
often the one below it was the one that
made you look like you weren't trying too hard.
Maybe that's another way of approaching it.
How do you look like you're not trying too hard?
Do you mean
S500
not S560?
Exactly.
I always used to turn up
I remember being in Switzerland filming
and every time I saw just an
S4 Audi on Swiss plates
that is the definition of
very good.
That's the definition of not trying too hard.
We're comfortable with yourself.
If you've got the RS
it looked like you're trying too hard
and on the other side that was the case.
And I think
540 versus 530
sometimes if you came back one
you weren't trying as hard.
320i
So we're going to now discuss
the car finance
that ended up in the High Court
and Chris Cooper is going to explain
what the ruling was
and what we think about this situation.
So we probably all
saw
on social media lots of
adverts
and
people that we know in the automotive world
we all know who they were
imploring us
to get in contact
with the whole myriad of claims
management companies
because
the world was going to burn to the ground
over the behaviour
of dealers and lenders over
car finance
and we're all going to get lots of money back
bigger than the PPI scandal from
10, 15 years ago
and
it became a really, really big thing
for motor dealers, car makers, whatever.
It all came to a head
in a Supreme Court
ruling about a month ago
three or four weeks ago
and essentially boiling it all down
to the simplest level
it was about two questions
one was very, very general
which was
is there basically, has there basically been
illegal behaviour
in car dealers
and essentially was car dealers
and occasionally brokers
withholding the fact
that car dealers get commission
from banks and other finance institutions
who lend the money
to us to finance cars. Hands up
who's used car finance? I've used car finance.
90% of
new cars in the UK
are financed with car finance
a healthily
functioning modern economy
whether it's for computers
for houses
for soft things like software
and certainly cars, tractors
lorries, buses
machine tools, equipment for factories
all require finance
in other words a bank
or something like a bank to lend money
to a customer so they can finance something
they don't have the capital or the ready
available cash for
so it's a really, really important thing
to get clarified
so there were two things that came
in front of the Supreme Court
one was
actually was it illegal
not to tell customers
that they were earning a commission
from a lender
to do the finance
and this became a big question
because the court that's below the Supreme Court
in the UK
the Court of Appeal
when they're looking at some test cases
three individual customers who brought their cases
said yes, actually
dealers did owe
what's called a fiduciary duty
i.e.
that they need to act in the interest of somebody else
not themselves
not surprisingly
the Supreme Court
decided this was utter bobbins
who could reasonably have
thought that a car dealer
was acting in their interest
i mean come on
you know
no one could reasonably believe that
and funnily enough the Supreme Court
you can read all this online
pretty much said who believes that
honestly
go and have yourself checked out if you think a car dealer
is acting in your interest not in theirs
so at a stroke
the vast majority
of the potential exposure
of banks and dealers and other lenders
and all of this
ridiculous excitement about
all these adverts we see on social media
dead
pretty much most of that
overnight with the Supreme Court ruling
there was a second question
which was slightly more
nuanced and a bit more complicated
probably a bit more to it
and this has been bubbling around
since almost the last 10 years
which are the so called
discretionary commission
arrangements now again
these have been around
for as long as i can remember
when i've been buying cars
probably since the romans
since somebody invented a wheel
and attached a vehicle
to it
discretionary commission agreements
have been a bit of a thing
and the idea of these arrangements
is that if a car dealer
or a broker
could get a higher
interest rate
from the customer they get more commission
from the lender
so clear conflict of interest
the regulator of these things
the FCA financial conduct authority
a few years ago maybe about
2018 i think somewhere like that
decided actually these are wrong
they've been around for decades
and decades
and in 2021
2021 they were deemed to be
illegal in other words you had to tell
the customer what the interest rate was
you couldn't vary it depending on how much
you squeeze out of them and deal
so those have been deemed to be
they were banned in 2021
so what the
Supreme Court said was there may be cases
prior to 2021
where some customers
didn't know what was going on
and if you look at the individual facts
of the case may have suffered
what's called harm that is
sounds like an obvious word it's a technical
legal word for
if things have been fair would they have
paid a lower price
so there is a small number
when you add all up it might be
a lot of money but it's a small number of cases
and individual
settlements might be much more
they're not going to be £10,000
people aren't going to be getting PPI type settlements
which at one level is a shame because
when consumers got all their PPI money
where it was after the GFC
people spending their PPI settlements
made a huge economic difference
the country suddenly there was 50 billion
of cash out there with people saying
it's Christmas early
so on these DCA agreements
the Supreme Court said yes
they probably do need
in some cases to be examined
where is it all now
so the FCA immediately after the Supreme
Court beginning of August said
we think there will be some compensation
we're going to consult in the next
six weeks or sometimes September will tell
you how we're going to deal with that
for the people listening
to this and asked as well because I've probably had
some agreements to fit into this category
the FCA has said
you don't need to use claims management
companies we may well
prescribe that
lenders have to sort this out for you
in fact you may not have to do
anything at all
so while the FCA is deliberating
what they're doing right now we're right at the end of August
they're doing it right now sometimes
September they will come back and say yes that's fine
so there may be some
mitigation to be
paid back to certain customers with these DCOs
one of the best quotes I saw about this
was
beginning of August Paul Barker
editor of auto express and esteemed
weekly is it still weekly
I used to work with Paul
yep, good guy
so he said today's Supreme Court ruling
which found that car finance firms
did not unlawfully
missell products simply by failing to
doze commission narrows the scope
anyone who
signed up for a discretionary commission arrangement
should between
2007-21 should still be eligible for
commission and the FCA is expecting
set out steps next few weeks
in the meantime Paul Barker and auto express said
we strongly
advise against using claims
management companies
which often take a hefty cut of any compensation
30%
probably or more
instead there are free tools and official routes
available to you to make a claim directly
these claims management
companies claim that they can tell you what
you're owed I don't know this
for sure because I don't know how the data protection
will work but I'm pretty sure if you go
to your credit referencing agency like an
Experian on Equifax during credit check
it will give you a list of all the agreements
you've ever had I think going back more than
six years
so you can do some of those things
waiting for the FCA
to
tell you how it's going to happen
so the bottom line of all of that is that
common sense is perverting
the FCA might still make a bit of a mess of it
if I'm honest
I'm wondering in the press about that
but a healthy functioning
car finance sector
will return
is returning has returned really
which is essential for our economy
for manufacturers for us
how we access cars because if all the
banks said it's far too risky
we're going to end money on tractors
or space rockets or aircraft
or railway
carriages but not cars
people in this country would
be harder to access cars so I think
it's not quite all as well as it ends well
there are still some matters to be resolved on these GCAs
but that's where we've got to
and I think Paul Barker gives a good
advice to say
sound still
clear of the claims management companies
there are tools available online check your own
credit referencing agency wait until
the FCA comes back in September
that is my summary of the matter my lord
the reason I'm looking at is my dog
has started to come into the room and is having
a 10 minute drink which is very noisy
I'm sorry about that so I apologise
very good summary there Mr C
look cars on the table I got approached
to do one of these adverts and I nearly did it
the only reason it didn't go up is there was a massive
cock up
in my edit and it never went up
so I'm not whiter than white
you know we've all got a way of living and I can't
make films for free wait there
PEP
and
and
my drinks for hours that dog
so
I get it
and I also
the advice I totally get but I've got
to offer the counterpoint which is all bloody
lazy and if
someone presents a really easy tool
and you get
70% of what you might be owed back
well most people just go stuffer I'll use the
service don't they but I can see
also that
these sums of money probably aren't going to be in the same
areas
magnitude of as PPI are they
they're looking at a couple so what you're going to get
is a percentage of the gap
that your own in other words if the rate
was
how do they calculate the rate you should have been
offered that's the bit I don't understand
that that is one of the questions that appears
unresolved right now which is
because the paperwork
the FCA
and we all know you keep your records for six years if it's the
tax man or whatever it is
some of these go back nearly 20 years
so will the lender have
the paperwork or will they have followed
their own protocols of disposing
of documents so they're not lying around with
people's details in so
that that is a very murky area
as to do they even have the paperwork
and if so how would they calculate
harm or what should you have paid
there is
on this on the non on the
just a pure
did you was it okay that the dealer took
commission there was one case
that the supreme court did up hold
where
the commission was so
ridiculously large that was
regarded as illegal under
existing long standing consumer credit act
regulation and I think that's
probably very much an outlier
involving that particular lender
and conduct they had at the time
so I mean I haven't checked myself
but I'm guessing that Martin Lewis the consumer
champion you go to
his website there will be lots of tools
you can use blah blah blah
but you're right Chris there may be some
who still want to do it and say look
somebody else manage the problem for me
yeah I might
when this all blew up
I remember thinking quite glad that didn't go
up so there we go I'm being very honest with
you and maybe I should have looked at it
a bit more closely and I might have said
this is not the right thing to do but ultimately
we all
we all experiment don't we anything to add
Neil Clifford car finance manage you've never
financed a car have you
but I do have the great quote it says
Marcus Johnson this is the third case
you were talking about Marcus Johnson
who was a Suzuki Swift and was charged
one thousand six hundred and fifty one
pounds in commissions on a car
worth six thousand four hundred and ninety
nine that's the case
that's the case that
Mr Cooper was talking about I mean
it's unbelievable
they absolutely
the commission was a quarter of the
resale value of the car
and half the interest payments
I remember going to a
very well-known car dealership
group
in probably ten years ago
and as I was
you know I was never
in the days of free money
you know I just financed everything
of course you did you went as skinny as possible
there was nothing and you just pay
you just and you were gambling on the vehicle going out
because you knew the market well
and I remember sitting there
computer was doing this well I put
20 in what do you want
one year two years three years
yeah it's usual thing what product do you want
and I thought I've never asked the question
is that the best rate you can offer me
because you don't when you're sitting there
and they've given you your very expensive cup of tea
in a nice mug you just want them to say yes
exactly you just want
you go oh
when they say yes but I just said
is that the best rate you can offer me
and he went
you can see his face slightly crumpled
he's like shit that's the question
we don't want to be asked because no one asks it
and I didn't do it because I was being clever
I was just curious and he went
well actually we could and I thought oh my god
that's what I did think this is a bit more complicated
than I first realised
yeah yeah yeah I think that's fine
is that the best price you can offer
yes you've got the smell of the car
you don't
at that point you don't give a shit do you
you just want him to say oh yes
it's been authorised you're like great
also that's another
Finn write this down for us please
shit you've done in car showrooms
that you can't quite believe I can remember
buying a car
I mean the stuff you buy
I remember coming home once I bought
a 997 Carrera 2
I came home with a Recaro baby
baby seat for a child that
hadn't yet been born
and I think it was
£600 and you can get the same
one in mother care for about 80
yeah I remember thinking
everyone in the house going what
have we done that for you
you're mesmerised by these showrooms
the tat that you buy I'll have one of them
yeah you just want him to say yes
you're committed straight away
committed yeah doesn't really matter
why much the interest rate is
moving on
to a very very important
segment this
Chris Cooper is going to have his chance
to launch
cheese or car
so this is a
I gather a quiz an interactive
quiz it helps if you can see
if you can't see this is a
difficult one probably is that the case or not
no it's there are some visuals
but everyone can
everyone can play along at home
so
this is the first in
what might be an occasional series
it might be a one of one
depending on how this goes
I mean may never decide to do this again
so
it sort of plays
there's a bit of a British theme in what we're talking about tonight
after James Bond
and British
great British car brands
so
we had to go a while ago at
cheese or service station
could you be spot
from the name
is that a cheese or is it a service station
harder than it sounded
to be clear we didn't have a go
we knocked it out of the park
I think you got two out of ten
and Neil got one out of ten
Neil did worse
than somebody purely guessing
because he was trying to
that might happen tonight
so I have a list of
twelve names
of British car makers
these are makers names
not model names, makers names
some still exist
some may be
resting
in that great lexicon of great British car brands
from recent or past
years
and I've also perused a list of
British cheeses
of soft or hard
cheddar or goatee or other varieties
and
I'm going to read these twelve names
and you've got to decide
whether they are
cheese
or
car
so here we go I'm going to call them all out
you need to think about it and then we'll go through them and say which one it is
alright so the first one is
Beauford
Beauford cheese
or car
number two
number two
Buckland
car or cheese
number three
is Brinkburn
cheese or car
car or cheese
number four
is Crowdy
C-R-O-W-D-I-E
why is that funny
you're motoring me
you're complaining about the music
Crowdy
number five
is Darian
Darian
D-A-R-R-I-A-N
hmm this is harder
than I thought obviously
and the next one
Dunlop
I think we know that one
that's a trick one
pretty fucking trick
Fairthorpe
and then one, two, three, four, five, six
number eight
Farley Wallop
Farley Wallop
that's a trick one as well
number nine
Simon
number ten
is Pilbeam
I think they're all fucking cheeses
number eleven
it's a trick
is Renegade
yeah
and number
the last one, number twelve
is Strathcarran
yeah
I can only guarantee
I've got three of those right
yeah
that's three more than I can guarantee
I'm going to call
hold your answer up now
so we can make sure you're not cheating
you've actually written something down
that's my answer
take a screenshot of that now
there we go
right okay so you haven't cheated
you've got two sets of answers
right okay
what do we think Beauford is?
car
car
it is a car
do you know what it is?
it's still made
it's that
they're lovely I'm sure
occasionally there's wedding cars
they're like white old fashioned
vintage cars
with big red wings
they've got mishandese engines in them
yeah that's a Beauford
that's a Beauford
I've got that
who's got that?
I thought it was a Bristol
to be honest
Buckland
what do you think Buckland is?
cheese
it's a Morgan old boy
it's a car
it's a screen wheeler kit car
it's still made
I'm not sure how many there's been
that's a car
definitely on the Q plate
definitely on the Q plate
if we can find a picture one at all
Buckland
right number three Brinkburn
cheese or car
cheese
cheese
please don't be a car
it's cheese old boy
yes
great
right
you should know this one
sorry hang on
I missed one out
what do you think Crowdy is?
I've written car
it sounds like a car
to me
get the Crowdy old boy
it's cheese
it's cheese
it's a Scottish cream cheese
it actually sounds quite delicious
it's tasting notes
anyway
I'll tell you what goes very well
what goes very well with cheese
a good cheese is whiskey
it does
totally
I think I can go wrong there
right Daryon
car
car
it is a car
Mr H what is it?
rally car
it's a rally car
Dunlop
cheese
yes
it's a trick it's a cheese
don't try and trick us with your cheese humour Cooper
cheese
it's a cheese
it's actually
it's not a hard cheese it's a soft cheddar
that one
this is Dunlop
Dunlop is a soft cheddar
that's number six what's number seven then?
Fairthorpe
sounds like a cheese
it's got to be a cheese
no he's going to hold up a bloody car isn't he?
it's a Morgan Allboy
it's a car
it's actually quite nice
it's a little two seater
glass fibre body
a little sort of midget size sort of thing
bit more faired round than that
it's got a motorcycle engine
actually look quite cool I quite liked it
so Fairthorpe is a car
right Farley Wallop
this is obvious
I know it's a cheese but I'm hoping it's a car
so I wrote it
I wrote cheese
it's a cheese
yes
do you know
who cheese is it?
Farley Wallop
is that Alex James off of blur?
where was it?
no
it's a semi soft
pasteurised goat's cheese
it's wrapped in
pulled in time
and has elements of citrus and lime
I thought it sounded quite nice
Farley Wallop
right Huntsman
cheese
cheese
I think it's a car
should be car
is a cheese
yes
I'm doing badly here I need these last three
right I'm in trouble here
right I'm good
that's a car
cheese
it's definitely a car
it is a very famous manufacturer
of single-seaters
for the hill climbing inclined
very very famous cars
last two
renegade
car
cheese
it's a cheap
it's cheese
renegade is a model
no it's a model
no it's a model
it's a model
haven't they
no it's a renegade is a cheese
it's a soft blue cheese
washed in ale
I quite like that one as well
last one
Strathcaron
cheese
I went to see it
I don't think I ever drove it
I drove to Norfolk to meet his lordship
and see the car
it's a car
Strathcaron was a car
it was designed and engineered by Reynard
motorsport
about 25 years ago
just before they started working on the catering thing I did with them
and the lead engineer
who was designing it
his name is Kieran Salter
who now runs a really really impressive motorsport
and engineering high-tech business of Silverstone
Reynard being in the motorsport industry
so the blokes that Reynard at the time
nicknamed this car
not the Strathcaron, the Strathcaron
so in my head I can always see a Strathcaron
I think they made it
it was quite a round, it looked a bit like an Audi TT
convertible thing
whatever
so Neil Clifford
8 out of 10
and Rhys Harris
7
Manish
7
from the middle of the class
to the top
can I have some cheese please
I will send you some cheese
a medley of cheeses
from across the British Isles
I thought you were here to complain about the music
that was
a lovely little break in tempo
because I congratulate you on your day
loved it, the preparation
just a loop back
to the way we began there
I have to ask the important question
what cheese would James Bond eat
because we've sort of merged
James Bond theme there with the cheese
come on, off the cuff
I think he's
kind of a punchy Stilton man
I was going to say that
Stilton, Cars Water Biscuit
no messing about, gets on with it
what would you drink with it
yeah yeah, that's a huge
James Bond pours
port into his Stilton
eats it with a huge tablespoon
that's what he does, no faffing
yeah
there we go
now what are we doing next
our two car garage
I'll read this out now
you're going on holiday to Ibiza with your family
four in total
you need something rugged that you can take
to the dusty beach car parks and forget
but that gives you some pleasure on the twisty roads
for your second car
you want to arrive in style
how do you say that Manish
your second car
you want
to arrive in style at
Ushuaia
Ushuaia, thank you
Ushuaia, Ushuaia
when you've got VIP tickets for Calvin Harris
Brackets, no relation
there is no budget
do you mean there's no money
or there's no limit on money Manish
sitting there and I read it
is your film producer glasses on
I suspect it's the latter
now darling, I've gone about
this a different way today
because I am a little bit
I haven't been sleeping too well recently
and when I'm not sleeping too well
I'm all over the classifieds
what I do between two and five in the morning
I just go through the usual
classifieds and I love it
I now realise it's just been
a medicine in my life
and I went to the coming soon
the auctions coming soon
section on the car on classic
just because sometimes nicely what's coming up
and I've chosen two from there
and they overlap a bit
but I really love them
so first of all the ultimate
Iberian island car for me
is the Renault 4
so I think that's the car
you only need one car
you turn up to the club in that
you're still the coolest dude aren't you
whatever you do it's a classless piece
of genius engineering
it's got the small bumpers
I love it, however you're allowed
two cars and you want to make an entrance
I think everyone else turns up
in their fancy supercar
I think a proper convertible
Land Rover
they're not really my thing
I don't like as I know
the Defender thing but those
with the fold down screen
is a really cool thing actually
so I just think if you rock up in those two
wherever you are on that island
you're winning and they're both coming soon
they're auctions that start I believe
on the 27th of this month
so get bidding
over to you Neil Clifford
it's a very dangerous question
this managed because
oh no I beat the expert
I've been a few times
the worst thing you can do
in Ibiza is turn up really
in anything big and flash
you're going to get
you're going to get laughed
off the island
it's all very sort of shabby
chic
the wealthier you are
the scruffier you are
sort of 70's California
vibe with a bit of Peter String
fellow sort of mixed in really
I think
the only way you could do it
with super car in my view
is go the sort of
De Tomaso de Ville
you know this sort of thing
it's got a few
it's got rust bubbles everywhere
the AC doesn't work
it's still got cassettes in the middle
there's cigar ash everywhere
you might be able to pull that off
in a sort of 1980's
football, hooligan
drug dealer sort of way
on that note can we just remember
the fabulous 456 manual
there was an automatic that used to be parked
round the back of Harrods
and it had dents on scuffs
every single wheel, every panel
and it used to get service down at Park Royal
it just lived on the street didn't it
for about seven or eight years
I think you can pull off
Ibiza in that way
but I think in general
unless you're living there
you've got more authority
if you're living there
to do the rust bucket
you know
Maserati Bora
that's running on seven
but I think if you're
rocking up
you've got to be really careful
because you look at Dick very quickly
and I'm in the auctions
so I found
actually you're going to ruin it a bit
but a lovely restored
W123
which is on actually
some lunatic
has brilliantly put it on
an air ride system
so you can lift it up going on to the beach
you can chuck all the
beach shit in the back
it's got a custom period roof rack costing
£4,000 alone
whatever sort of roof rack that is
but I think that you could smoke around
in that it hasn't got AC
but you have the windows down anyway
but then you do need a convertible
but again
there's risk attached to the convertible
so I'm going
a sort of crappy old jag
I think you can pull that off
it's a bit sort of Gary Linnaker's brother
if you know what I mean
there's a bit wide boy about
you own a nightclub
you've got a pizza restaurant
the government's chasing you
for tax back in the UK
it hasn't been service for
nine years
but I think still bombing about
an XJR
or an XJ
I think
the R is a bit too much
you just want the standard car
again AC doesn't work
CD players all a bit jammed up
but
they go forever those things right
yeah they do
no one can service it on the island anyway
so I think
you're going to do it quite scruffy
or you're going to look a bit out of place
in Ibiza
bang on
Manish, you are currently in Ibiza
what two cars would you have
I would have
this 30 year old
E34 525i touring
that would be
family car
it's got 85,000 miles on it
I think probably only four owners
I think this is a babe
you could take this to Jondal
Kala Jondal
go and park it, it would be covered in sand
it doesn't matter, put all your stuff in the back
you can be back at your villa
in no time at all
it's gorgeous, 30 years old
it's shabby shig
CD in the plane constantly
but I think you're going to go do shwire
and apparently
the grown up nightclub
culture here has changed
so at night
they kind of go in the late afternoon
early evening
have a bit of dinner, have a drink
have a dance and they're back by midnight
basically that's what you do
if you're kind of middle aged
I went there two years ago
and I was
found on a dual carriageway
by a friendly local taxi driver
at five in the morning
so I begged to differ
I'm sure you can find that life
but I would actually turn up
where did it go
I would actually turn up in this
beautifully restored
E-Type Jaguar
it's black with burgundy
God knows how much this thing is going to cost
it's a 4.2
I just think you roll up to your nightclub
and that's a famous film producer
you enjoy yourself and
Bob's your uncle
anyway I didn't do any of that staying out too late
stuff anymore
it's very Ibiza
well it's a very British island
unless you go to the
bit over there
it's all a bit German
but really it's brilliantly British
lovely
I like that
I love how Manish says he doesn't indulge in the nightlife
and he started this podcast by saying
he got pissed up and walked into a window
and broke his glasses
you don't strike me as being that
abstemious Manish
it was a very very scary small amount of rosé
that's what I can say
I've got some
CCTV footage of me walking
into a pane of glass earlier this year
in someone's showroom
it's that shock isn't it
you have no idea what's happening to you
God
bless you
so Ibiza
I haven't been there
for about 40 years
35 years
and the last time I was there
I was doing
must be a bit more 35 years
when I was a student
I used to do yacht delivery
I was used to into sailing
so to make money, summer jobs
you'd help somebody sail their boat
usually from the Mediterranean
back to the UK
at the end of the summer
you get your airfare paid
and you got your food on the boat
you might get 50 quid at the end of it
and it was quite good
I knew a little bit about it
I went from Yorker
we went to Ibiza
more on the Norse side
a beautiful little bay
there was a boat moored next to us
anchored next to us
and we got there quite early in the morning
and when all the people inside came out of it
they were all wearing no clothes whatsoever
chaps and lady persons as well
I must go back there one day
maybe put me off
I don't know
I think
you're all sort of really interesting
but
it's got to be
one of those
it's his
not a Mahari
it's not a Mahari
it is the Mahari's
French military cousin
it's called
Citroen Fath
F-A-F 4x4
it's a 4x4
and there's one in the auction
on Carn Classic now
only 150 were made
for the French military
presumably this is the last one there
because it must have had five reverse gears and one forward gear
I'm here all week
very funny
is this a twin engine vehicle
no it's a single engine
it's a Mahari platform
a trans axle
and it's got something at the back as well
so that's how
that starts his auction
in about a day's time
this is Sunday at Bank Holiday weekend
it's got
it's 1979 it just looks I mean mega
I love that
the other one
because I don't know Ibiza
Ibiza Ibiza
you can tell I've not been there for a very long time
but I just like the idea
it seemed to me to be a place that you would want
to make a statement
without, as Neil says, going the wrong way
so
being that this episode
is all about James Bond
in one way or another
I know it's not quite a James Bond car
but on the auction
it's a live auction now
there is a 1932
Rolls Royce Phantom 2 in yellow
oh
oh
that would have
you'd stand out there
that would have fantastic wheel travel
because we know Rolls Royce
in your very famous and very excellent
appraisal of the Cullinan
on that top gear TV thing
you said actually Rolls Royce started making cars
where there weren't roads
so in 1932 Phantom 2
4050 Continental
by Thrupp and Mabel
I think you could tell
anywhere in Ibiza and people would think
by Joe they've got that right
so a Maharis
French military cousin
and that Phantom 2 I think would be
brilliant on Ushuaia
or any other major naval ports
I think that's good
I love it, well a very good selection
of cars and I have to say
I'm giving it to Cooper because I'm
mildly obsessed with Maharis
but I want a Mahari in my life
I've never lived
in a country that could support such a purchase
isn't it amazing
it's gone dark since Manish has been there
now I can smell that
Iberic heat, I can hear
the cicadas or whatever grasshoppers
chirping away behind you
I can smell the glass of wine
that's about to arrive
old Bristol's not quite the same really
let's do some music before we go
Manish give us a tune
it just struck me today
for whatever reason I remembered
one of the best holiday summer tunes
was Duff Punk
and Farrell Williams Get Lucky
wasn't that just a wonderful thing to do in a car
and they remember they auctioned
a black 400i
Ferrari 400i, yes
there's one of those for sale at the moment as well
I'm not going there
right, Neil Clifford
I was listening to tears for fears yesterday
driving to Silverstone Festival
and I've no idea why I was
but I thought I'd pale shelter
it's really quite a good song
actually
you go mad world
it's almost too much mad world
but when you go off
peace on
tears for fears
ones you can still sing to
but it's not as obvious as mad world
pale shelter, good song
apparently they originated in Bath as a group
I'm sitting
that was the second song
in the album The Hurting and a friend of mine
used to listen to that when he skied
that was his absolute favourite skiing song
so it's funny you say off-piste
the reason why actually
I do remember why I was listening to it
because I saw in the news that the guy
whatever the cool dude who was the lead singer
showed up at a
tears for fears imitation band
gig and just sat there
and listened and they brought him up on stage
it's pretty time to something
and I thought that was fucking cool
he was there clapping
so I've put a bit of tears for fears on
Chris Cooper
I know it's a bit of a cliche this one
but having spent a bit of time
in Cornwall over summer
and thinking about Manish and Ibiza
Groove Armada at the river
it just never fails to get away
I
I drove to Silverstone
as well and did a bit of racing
so I'll say thank you to Alex Brundle for letting me drive
his wonderful Mustang
we managed to sneak in a ninth place
we should have done better really a bit done by
Safety Car
I was partnered by Marino Frankiti
my old power and a great driver
he's one subring he shouldn't be cocking about at me
at Mustangs but it was really good fun
and I've got a bit of an aspect of this Mustang thing
more on this later
is what I'll say
and I drove there in Modemla
I can't stop driving and it's just a great car
took two of my kids
they both sat in the back in the extended wheelbase
with the electric seats and I drove them
I just drove through the front
on the way back
and I like listening to inappropriate music
sometimes putting the wrong tune for the car
is really good fun
and I think if you're in a linen hide
Modemla with clear glass
listening to The Watcher by Dr Dre
as you roll into Silverstone
and everyone's looking at you going
he's that bloke
we had a really good fun couple of days in Silverstone
thank you so much Alex
and I'm going Dr Dre The Watcher
put that in your car that is a great thing
I'm going to listen to it now
so
that brings us to an end episode 51
of the car podcast with Chris Harris and his friends
they are Neil Clifford
Managed Pandy who is pretty much in the dark now
and Chris Cooper
thank you very much for joining us
pop along next week for 52
next week
celebrations
bye bye
take care
bye bye
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About this episode
A lively discussion unfolds around the iconic cars of James Bond, with Chris Harris and his friends debating what the next vehicle should be. They explore the potential influence of Amazon as the new owner of the Bond franchise and suggest a return to classic roots with a Bentley as Bond's next car. The conversation also touches on the significance of the DB5 and the idea of a collaboration between British brands like Aston Martin and Jaguar. The episode is filled with humor, nostalgia, and passionate opinions about automotive history and culture.
This week, the team discuss what James Bond’s next car should be – with not much agreement as might be expected. WE also have an interactive quiz – “Cheese or Car?”, more on this later. This, and much more. We hope you enjoy!