Thornabytyres.com Review

Based on looking at the website, Thornabytyres.com presents itself as a local business offering car sales, tyres, servicing, and repairs. While the core services of tyre fitting and vehicle maintenance are permissible, the website explicitly states that it is authorized and regulated by the Financial Conduct Authority FCA with reference number 834290 and offers finance for vehicles from carefully selected lenders, for which they may receive a fee for referring customers. This aspect of offering interest-based financing Riba makes the overall business model problematic from an Islamic perspective, as Riba is strictly forbidden.

Here’s an overall review summary:

• Website Professionalism: Moderate. The site is functional but lacks detailed information often found on robust e-commerce or service platforms.
• Transparency of Services: Good for mechanical services and tyres, but vague on finance specifics beyond the FCA regulation.
• Clarity on Pricing: Not explicitly stated for services or products. requires direct inquiry.
• Customer Support Accessibility: Contact details phone, email, physical address are readily available.
• Ethical Standing Islamic Perspective: Unacceptable due to involvement in interest-based financial transactions Riba for vehicle sales.

While the fundamental services of maintaining and repairing vehicles are beneficial, the inclusion of interest-based finance taints the legitimacy of the entire operation for a Muslim consumer.

It’s akin to having excellent workmanship but embedding a forbidden element within the transaction process.

For anyone seeking to maintain a truly ethical financial life, engaging with services that facilitate Riba, even indirectly through referrals, is something to avoid.

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The principle in Islam is to stay clear of Riba, whether as a borrower, lender, or facilitator, as it is considered a grave sin.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Best Alternatives for Ethical Car Care and Purchase

For those seeking to align their financial transactions with Islamic principles, the focus shifts to avoiding interest-based finance entirely.

This means looking for businesses that either operate on a cash basis, offer halal financing models such as Murabaha or Ijara through dedicated Islamic banks, or provide services without pushing interest-bearing credit.

1. Local Independent Garages Cash Basis

   

   • Key Features: Often family-run, personalized service, direct communication with mechanics, usually accept cash or debit card payments.
   • Average Price: Varies widely based on service and location, generally competitive.
   • Pros: Supports local economy, no interest involvement, potential for long-term trust.
   • Cons: May not have the latest diagnostic equipment, limited financing options.

2. Halal Auto Financing Providers e.g., Guidance Residential

   • Key Features: Sharia-compliant financing structures like Murabaha cost-plus-profit sale or Ijara lease-to-own, avoiding interest.
   • Average Price: Monthly payments based on the agreed-upon profit margin and vehicle price.
   • Pros: Fully Sharia-compliant, clear ownership structure, peace of mind for Muslim consumers.
   • Cons: Fewer providers compared to conventional finance, stricter application criteria.

3. Online Tyre Retailers with Cash/Debit Options e.g., Tire Rack

   • Key Features: Wide selection of tyres, detailed specifications, often competitive pricing, allows direct purchase for cash/debit card, then arrange local fitting.
   • Average Price: Varies by tyre brand and size. fitting costs are separate.
   • Pros: Extensive inventory, easy comparison, no finance pressure.
   • Cons: Requires separate arrangement for fitting, can be overwhelming with choices.

4. Certified Pre-Owned Dealerships Cash Purchase

   • Key Features: Vehicles undergo rigorous inspection, often come with warranties, possibility of paying in full.
   • Average Price: Higher than private sales but lower than new cars, depends on model and year.
   • Pros: Reliability, warranty coverage, option to buy outright avoiding finance.
   • Cons: Still requires significant upfront capital if paying cash.

5. Used Car Dealerships Cash Basis or Halal Finance

   • Key Features: Broader selection of used vehicles, more flexible pricing, potential for negotiation.
   • Average Price: Highly variable based on car condition, age, and model.
   • Pros: Cost-effective, good for budget-conscious buyers, can purchase outright.
   • Cons: “As-is” sales can be risky, requires thorough inspection by a trusted mechanic.

6. DIY Car Maintenance Tools & Kits e.g., Basic Car Repair Kit

   • Key Features: Enables simple repairs and maintenance tasks at home, empowering vehicle owners.
   • Average Price: Varies by kit, from $50 for basic tools to hundreds for specialized equipment.
   • Pros: Saves money on minor repairs, provides a sense of self-reliance, avoids mechanic visits for small issues.
   • Cons: Requires knowledge and time, not suitable for complex repairs.

7. Vehicle Inspection Services Pre-Purchase Inspection

   • Key Features: Independent mechanics inspect a used vehicle before purchase, providing a detailed report on its condition.
   • Average Price: Typically $100-$250, depending on the service provider and depth of inspection.
   • Pros: Essential for used car purchases to avoid future costly repairs, provides leverage in negotiation, ensures you’re not buying a “lemon.”
   • Cons: Additional upfront cost, requires scheduling with a third party.

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Thornabytyres.com Review & First Look

When you land on Thornabytyres.com, the first impression is that of a straightforward, local business portal.

It’s got the essentials: contact information, opening hours, and a brief “About Us” section.

This isn’t some slick, multi-million dollar e-commerce operation.

It’s designed to serve a local community in Thornaby, Stockton On Tees.

The website clearly states its primary services: Shesweater.com Review

• USED CARS
• TYRES
• SERVICING & REPAIRS

They highlight their establishment in 2011, which gives a sense of longevity and experience in the local market.

They claim to “supply and fit any tyre, any size for any car” and undertake “all types of repair work.” This broad service offering aims to be a one-stop shop for vehicle owners in their vicinity.

Initial Observations on Website Structure

The site uses a simple menu navigation, with links to “About Us” and “Vehicle Services.” Social media links Facebook and Twitter are present, which is a common practice for local businesses to engage with their customer base.

However, a significant element that stands out is their declaration regarding financial services.

Ethical Implications of Financial Services

The most crucial piece of information for an ethically-minded consumer, particularly one adhering to Islamic principles, is the following statement: Uaecarpets.com Review

“Thornaby Tyres is authorised and regulated by the Financial Conduct Authority, FCA number 834290. Finance is only available to a person aged 18 and over, subject to status. Indemnities May be required. We work with a number of carefully selected lenders who may be able to offer you finance for your vehicle. We are only able to offer finance from these providers, and we may receive a fee for referring you to them.”

This is a red flag.

The involvement with the Financial Conduct Authority FCA and the explicit offering of “finance for your vehicle” through “carefully selected lenders” immediately points to interest-based lending.

In Islamic finance, the charging or paying of interest Riba is strictly forbidden.

While Thornaby Tyres itself is a service provider, its role as a facilitator and potential recipient of “a fee for referring you to them” for interest-bearing loans makes their overall business model problematic for Muslims. Shrew.com Review

This is not about the quality of their tyre fitting or car repairs.

It’s about the broader financial ecosystem they operate within.

Thornabytyres.com Features and Missing Ones

Thornabytyres.com offers a relatively basic set of features for a business operating in the automotive sector.

While it gets the job done for basic information dissemination, it falls short on elements that modern, customer-centric websites often provide, especially given the nature of vehicle services and sales.

Service Offerings

The website clearly outlines its core services: Steamunlocked.eu Review

• Tyre Supply and Fitting: “Supply and fit any tyre, any size for any car!” This is a bold claim, implying a comprehensive stock or rapid sourcing ability.
• Vehicle Servicing & Repairs: “All types of repair work undertaken.” This suggests a broad range of mechanical expertise, from minor fixes to potentially major overhauls.
• Used Car Sales: They list “USED CARS” as a primary service.

Customer Interaction Features

• Contact Information: Prominently displayed phone number +441642617181 and email [email protected]. A physical address is also provided 2 Glasgow Street, Thornaby Stockton On Tees TS17 7AH, which is good for local businesses.
• Opening Hours: Clearly stated Mon-Fri: 9am-5pm, Sat: 10am-3pm. This is essential for customers planning a visit.
• Social Media Links: Facebook and Twitter icons link to their respective pages, allowing for alternative communication channels and community engagement.

Missing Key Features

Here’s where Thornabytyres.com could significantly improve its user experience and transparency, especially compared to more robust automotive websites:

• Online Booking System: There’s no facility to book a service appointment online. Customers must call or email, which can be inconvenient for those seeking 24/7 access.
• Detailed Service Descriptions & Pricing: While they list “servicing & repairs,” there are no specific details on what various services entail e.g., oil change packages, brake services or their estimated costs. This lack of transparency can be a deterrent.
  • Data Point: According to a 2022 survey by Statista, 68% of customers prefer to research prices online before making a purchase decision.
• Tyre Search & Pricing Tool: For a business named “Thornaby Tyres,” the absence of an online tyre finder where customers can input their vehicle details and get tyre recommendations with pricing is a major oversight.
  • Industry Standard: Most major tyre retailers like Blackcircles.com or Kwik Fit offer this functionality.
• Inventory of Used Cars: While they claim to sell used cars, there’s no online inventory or gallery. Prospective buyers have no way to browse available vehicles before visiting.
• Customer Reviews/Testimonials: There’s no dedicated section for customer feedback on the website itself, beyond general “guaranteed great customer service.” Third-party review sites might exist, but integrating them provides immediate social proof.
• Blog/FAQ Section: A blog could offer valuable content like car maintenance tips, tyre advice, or common repair issues, establishing the business as an authority. An FAQ section could address common customer queries.
• Secure Contact Form: While an email address is provided, a secure contact form is often preferred by users for privacy and convenience.

Thornabytyres.com Pros & Cons

When evaluating Thornabytyres.com, it’s essential to look at both its strengths and weaknesses, especially from an ethical and consumer-convenience standpoint.

Cons Ethical & Functional Drawbacks

The primary “con” for Thornabytyres.com, particularly for a Muslim consumer, is its direct involvement with and facilitation of interest-based financing.

• Involvement in Riba Interest-Based Transactions: This is the most significant concern. The website explicitly states, “Thornaby Tyres is authorised and regulated by the Financial Conduct Authority, FCA number 834290. Finance is only available… We work with a number of carefully selected lenders who may be able to offer you finance for your vehicle. We… may receive a fee for referring you to them.” This clear participation in interest-bearing loans Riba, whether directly or as a facilitator, makes the service ethically impermissible from an Islamic perspective. Riba is strictly prohibited in Islam due to its exploitative nature and its potential to create economic inequality.
  • Source: The Quran 2:275 states, “Those who consume interest will not stand except as one stands who is being beaten by Satan into insanity.”
• Lack of Online Booking System: In an era where convenience is king, requiring customers to call or email for appointments is a significant drawback. Many prefer the ease of scheduling services online at any time.
• Absence of Transparent Pricing: No online pricing for services or tyres is available. Customers must call for inquiries, which can be time-consuming and prevents easy comparison shopping.
  • Industry Trend: Over 70% of online shoppers abandon carts if they can’t find pricing information easily.
• No Online Car Inventory: For a business selling used cars, not having an online catalog of available vehicles is a major missed opportunity. Potential buyers are left in the dark about what’s on offer.
• Limited Website Content: The website is very basic. There’s no blog, detailed guides, or extensive information beyond the very core services. This limits its value as a resource for car owners.
• Generic Design: The website design is functional but quite generic, lacking a unique brand identity or advanced user interface features that could enhance the customer experience.

Pros Limited Positives

Despite the ethical challenges and functional shortcomings, there are a few points where Thornabytyres.com performs adequately as a local business.

• Clear Contact Information: Phone number, email, and physical address are all readily visible, making it easy for local customers to get in touch.
• Stated Opening Hours: Transparently provides operating hours, which is crucial for service-based businesses.
• Local Focus: As a local business, it likely serves its immediate community directly, potentially offering a more personal touch than larger chains.
• Established Date: Operating since 2011 gives a sense of experience and stability in the local market.
• Claim of Comprehensive Service: “No job is too small or too big!” and “Supply and fit any tyre, any size for any car!” suggest a willingness to handle a wide range of customer needs.

Thornabytyres.com Alternatives

Given the ethical concerns stemming from Thornabytyres.com’s involvement in interest-based finance, exploring alternatives that align with Islamic principles is crucial. Bluejaywebsolutions.com Review

This means seeking out businesses that offer direct sales, cash payment options, or legitimate Sharia-compliant financing.

Ethical Car Care & Purchase Alternatives

1. Halal Automotive Financing Providers e.g., Ameen Housing Co-op for vehicles

   • Why it’s a good alternative: These institutions specifically design financing products that are compliant with Sharia, avoiding Riba. They use models like Murabaha cost-plus-profit sale where the institution buys the car and sells it to the customer at a pre-agreed profit, or Ijara lease-to-own where the institution leases the car to the customer with the intention of transferring ownership at the end of the term.
   • Key Benefit: Ensures that the acquisition of a vehicle is free from interest, aligning with Islamic financial ethics.
   • Consideration: Availability might be limited depending on your location, and the application process can sometimes be more rigorous than conventional loans.

2. Independent Local Garages Cash Basis Only

   

   • Why it’s a good alternative: Many independent garages operate on a straightforward cash or debit card payment model for their services tyre fitting, repairs, servicing. They don’t typically offer in-house financing, thus avoiding the Riba issue.
   • Key Benefit: Direct payment for services, supporting local businesses, and often providing personalized service.
   • Consideration: You’ll need to do your due diligence to find reputable ones through reviews e.g., Google Reviews, Yelp or word-of-mouth.

3. Online Tyre Retailers with Cash/Debit Options e.g., Tyre Shopper UK Kikiso.shop Review

   • Why it’s a good alternative: Platforms like Tyre Shopper allow you to buy tyres online and arrange fitting at a local partner garage. Crucially, you pay for the tyres upfront with a debit card or bank transfer, avoiding credit and interest. The fitting fee is paid directly to the garage.
   • Key Benefit: Transparency in pricing, vast selection of tyres, and the ability to separate the purchase from any financing.
   • Consideration: Requires coordinating between the online retailer and the fitting center.

4. Used Car Dealerships Emphasis on Cash Purchase or Direct Bank Transfer

   • Why it’s a good alternative: While many dealerships offer finance, you can always insist on purchasing a used car outright with cash or a direct bank transfer from your personal savings or a Sharia-compliant loan. Always confirm the total price and payment method upfront.
   • Key Benefit: Direct ownership transfer without interest.
   • Consideration: You need to be firm about your payment method and ensure the dealership does not subtly pressure you towards interest-based financing. A pre-purchase inspection by an independent mechanic is highly recommended.

5. Private Car Sales Cash Transaction

   • Why it’s a good alternative: Buying directly from a private seller using cash is one of the most straightforward ways to avoid any Riba. The transaction is typically a simple exchange of goods for money.
   • Key Benefit: Complete avoidance of intermediaries and financial institutions, often better prices.
   • Consideration: Requires more vigilance in checking the car’s history HPI check, condition, and negotiating skills. Always meet in a safe, public place and bring a trusted mechanic for inspection.

6. DIY Car Maintenance Tools & Guides e.g., Haynes Manuals

   • Why it’s a good alternative: For minor repairs and regular maintenance oil changes, tire rotations, filter replacements, doing it yourself saves money and completely bypasses any service provider potentially involved in Riba. Investing in quality tools and knowledge pays off.
   • Key Benefit: Full control, cost-saving, and empowers you with practical skills.
   • Consideration: Requires time, effort, and a willingness to learn. Not suitable for complex mechanical issues.

7. Vehicle Inspection Services e.g., AA or RAC Pre-Purchase Inspection UK

   • Why it’s a good alternative: Before buying a used car especially from private sellers or dealerships, paying for an independent, professional inspection ensures you know the vehicle’s true condition. This service is paid for upfront and is purely diagnostic, with no financing implications.
   • Key Benefit: Mitigates risk when buying used cars, ensuring a sound purchase.
   • Consideration: An additional upfront cost, but a wise investment to avoid future problems.

How to Avoid Unethical Financial Practices in Car Purchases and Maintenance

Avoiding unethical financial practices, particularly interest-based transactions Riba, is paramount for Muslims. Mazumago.com Review

When it comes to significant purchases like cars or ongoing services, vigilance is key. Here’s how to navigate the market ethically.

Understanding Riba in Vehicle Transactions

Riba typically manifests in vehicle transactions through conventional loans, credit cards, and hire purchase agreements that include an interest rate.

• Direct Interest: When you borrow money from a bank or lender to buy a car, and you pay back more than the principal amount as interest.
• Indirect Facilitation: When a dealer offers “finance” options from third-party lenders, and they receive a commission or fee for referring you to these interest-based products. Even if the dealer isn’t directly lending, they are facilitating an impermissible transaction.
• Hire Purchase: Often structured in a way that payments include an interest component, blurring the line between a lease and an interest-bearing loan.

Strategies for Ethical Car Purchase

1. Cash Purchase: The most straightforward and undeniably halal method. If you have the savings, buying a car outright avoids all forms of Riba.
   • Benefit: Complete ownership, no debt, no interest.
   • Action: Save diligently and purchase within your means.
2. Sharia-Compliant Financing: Seek out dedicated Islamic financial institutions that offer halal auto finance.
   • Murabaha: The bank buys the car and sells it to you at an agreed-upon profit margin. You pay the bank in installments without any interest.
   • Ijara Lease-to-Own: The bank leases the car to you for a specified period, and at the end of the term, ownership transfers to you. The payments are lease rentals, not interest.
   • Key Providers: Look for institutions like Guidance Residential for auto finance, Ameen Housing Co-op, or Islamic banks in your region. Verify their Sharia board and compliance certificates.
   • Due Diligence: Always read the terms and conditions carefully to ensure there are no hidden interest components or clauses that contradict Islamic principles.
3. Peer-to-Peer Ethical Lending if available and vetted: In some nascent ethical finance ecosystems, you might find peer-to-peer lending models that operate on profit-sharing or non-interest principles. These are less common for car purchases but worth researching.

Strategies for Ethical Car Maintenance and Repairs

1. Pay with Cash or Debit Card: For all services, always opt for direct payment methods. Avoid putting services on credit cards that you cannot pay off in full immediately, as this incurs Riba.
2. Verify Service Provider Practices: When choosing a garage, inquire about their payment methods. If they push credit or finance deals aggressively, politely decline and opt for one that focuses purely on service for cash.
3. DIY for Minor Repairs: Investing in basic tools and learning how to perform simple maintenance tasks oil changes, tire rotations, filter replacements can significantly reduce your reliance on external service providers and prevent any exposure to unethical financial practices.
   • Resource: Utilize online tutorials, repair manuals Haynes Manuals are excellent, and reputable automotive forums.
4. Bulk Purchase for Tyres: If possible, consider purchasing tyres outright from online retailers or wholesalers using direct payment, and then take them to an independent garage for fitting paying the fitting fee separately. This divorces the product purchase from any financing pressure at a retail location.

Red Flags to Watch Out For

• “0% APR” Deals: Often, the “interest” is built into the purchase price, or there are significant fees for late payments. Read the fine print thoroughly.
• “Buy Now, Pay Later” BNPL Schemes: While some BNPL services claim to be interest-free, many have hidden fees, late payment penalties, and can encourage impulsive spending leading to debt. Verify their structure rigorously to ensure no Riba.
• Aggressive Upselling of Finance: If a dealership or service center is overly persistent about finance options, especially after you’ve expressed interest in cash payment, it’s a sign to be cautious.

By being proactive, informed, and diligent, you can ensure that your car-related financial transactions remain ethically sound and free from Riba, bringing peace of mind and blessings.

Thornabytyres.com Pricing Implied and Missing

Based on the website, Thornabytyres.com operates on an implied pricing model rather than an explicitly stated one. This means you won’t find a price list for their services, tyres, or used cars directly on their homepage or any linked internal pages. This approach is common for smaller, local service businesses that prefer direct customer interaction for quotes. Flingtrainers.com Review

What’s Implied:

• Custom Quotes: The repeated call to “Please call us for any enquiries” strongly suggests that pricing is determined on a case-by-case basis. For services like repairs, this is understandable as the cost depends heavily on the specific issue, parts needed, and labor involved.
• Negotiation for Used Cars: For used car sales, it’s highly probable that prices are negotiable, and customers would need to visit the site to view inventory and discuss prices in person.
• Competitive Local Market Rates: As a local business, it’s implied that their prices for tyres and common services would be competitive within the Thornaby area to attract and retain local customers.

Missing Pricing Information:

• No Online Tyre Price List: This is a significant omission for a business with “Tyres” in its name. Reputable online tyre retailers allow you to input your vehicle details and immediately see a range of tyre options with their prices, often including fitting. Thornabytyres.com offers no such functionality.
  • Data Point: A study by Accenture found that 88% of B2C customers expect businesses to provide pricing information online.
• No Service Price Menu: Common services like oil changes, brake inspections, wheel alignments, or MOT tests typically have standard pricing. The absence of a basic menu or even a “starting from” price range means customers cannot budget or compare before contacting the business.
• No Used Car Price Tags: While specific car prices fluctuate, not having any indication of their used car inventory or general price ranges online makes it impossible for potential buyers to pre-qualify their interest.

Implications of Missing Pricing:

• Lack of Transparency: Customers often feel more comfortable and trusting when businesses are upfront about their pricing. Obscured pricing can lead to suspicion or the perception of hidden costs.
• Inconvenience for Customers: Requiring a phone call or visit just to get a basic quote is a barrier for many modern consumers who prefer to do their research online at their leisure.
• Hindered Comparison Shopping: Without online prices, customers cannot easily compare Thornaby Tyres’ rates with competitors, potentially leading them to choose businesses with more transparent pricing.
• Ethical Consideration from a Muslim Perspective: While not directly Riba, the lack of pricing transparency can contribute to gharar excessive uncertainty in a transaction, which is discouraged in Islam. Clear pricing helps ensure both parties are fully aware of the terms before committing.

How to Cancel Thornabytyres.com Finance Guidance for Existing Customers

If you are an existing customer of Thornabytyres.com and have entered into a vehicle finance agreement through their referral, understanding how to potentially exit or manage that agreement is critical, especially if you now recognize its Riba-based nature. It’s important to clarify that Thornabytyres.com refers customers to lenders. they are not the direct finance provider. Therefore, the cancellation process will primarily involve the lender they referred you to.

Disclaimer: This information is general guidance. You should always consult with a qualified Islamic finance expert or a legal professional for advice tailored to your specific situation, as financial contracts are legally binding.

1. Identify Your Lender and Review Your Contract

• Locate Your Agreement: The very first step is to find your finance agreement paperwork. This document will clearly state the name of the lender e.g., Black Horse, Close Brothers Motor Finance, etc., the terms of the loan, the total amount payable, interest rate, and details about early settlement or cancellation.
• Understand the Terms: Pay close attention to clauses regarding early repayment, penalty fees for early settlement, and any cooling-off periods.

2. Cooling-Off Period Right of Withdrawal

• Check for a Cooling-Off Period: Most consumer finance agreements in the UK and many other regions come with a “cooling-off period” during which you have the right to withdraw from the agreement without penalty. This is typically 14 days from the date the agreement was signed or from when you received a copy of the agreement, whichever is later.
• Act Immediately: If you are within this period and wish to withdraw, contact the lender immediately in writing email is usually acceptable, but follow up with a recorded letter stating your intention to withdraw from the finance agreement. You will then typically need to return the vehicle and repay any outstanding balance.

3. Early Settlement

If the cooling-off period has passed, your option is typically “early settlement” or “early repayment.”

• Contact the Lender: Get an “early settlement figure” from your finance provider. This is the total amount you need to pay to close the loan account today. It will include the remaining principal, any accrued interest up to the settlement date, and potentially an early settlement fee though these are often capped or waived by law.
• Calculate the Cost: Compare the early settlement figure to your original loan amount. Understand how much interest you would still be paying if you continued the loan versus how much you save by settling early.
• Source Funds Ethically: If you decide to settle early, ensure the funds you use come from permissible halal sources. This might involve:
  • Personal Savings: Using your own cash savings.
  • Interest-Free Loan Qard Hasan: Borrowing from a trusted family member or friend without any interest.
  • Halal Investment Liquidation: Selling off halal investments to cover the cost.
• Make the Payment: Once you have the funds, make the payment to the lender. Ensure you receive written confirmation that the account is closed and settled.

4. Refinancing Use with Extreme Caution

• Avoid Conventional Refinancing: Do NOT refinance with another conventional, interest-based loan, as this simply replaces one Riba with another.
• Consider Halal Refinancing: In very rare cases, if available, a Sharia-compliant institution might offer a halal refinancing option e.g., converting a conventional loan to a Murabaha-based agreement, but these are complex and not widely available for existing conventional auto loans. This would involve the Islamic bank buying your car from the conventional lender, and then selling it back to you on Sharia-compliant terms. This is a very complex process and generally not a common solution for existing conventional loans.

5. Selling the Vehicle

• Sell the Car: If you can sell the vehicle for a price that covers the outstanding finance, this is another option.
  • Process: You would need to inform the lender of your intention to sell. The buyer’s funds would directly repay the outstanding finance, and any remaining balance would go to you.
  • Ethical Stance: This helps you get out of the Riba-based contract.

Important Considerations:

• FCA Regulation: While Thornabytyres.com is FCA regulated, this only ensures they follow regulatory guidelines for conventional finance. It does not make the interest-based finance permissible in Islam.
• Financial Advice: Always seek professional, independent financial advice alongside Islamic scholarly guidance before making significant financial decisions related to existing loans.
• Record Keeping: Keep meticulous records of all communications, payments, and confirmations related to your finance agreement.

Getting out of a Riba-based contract, even with associated costs, is often considered a priority in Islam due to the severity of consuming or facilitating interest.

May Allah facilitate your efforts to purify your transactions. Promoleads.com Review

FAQ

What is Thornabytyres.com?

Thornabytyres.com is the official website for Thornaby Tyres & Car Sales, a local business based in Stockton On Tees, UK, offering services such as used car sales, tyre supply and fitting, and various vehicle servicing and repairs.

Is Thornabytyres.com an ethical business from an Islamic perspective?

No, from an Islamic perspective, Thornabytyres.com is not considered fully ethical due to its explicit involvement in facilitating interest-based vehicle finance through referrals to external lenders, for which they may receive a fee. Interest Riba is strictly forbidden in Islam.

Does Thornabytyres.com offer car financing?

Yes, Thornabytyres.com states on its website that it is “authorised and regulated by the Financial Conduct Authority” and works with “carefully selected lenders who may be able to offer you finance for your vehicle.” They also state they “may receive a fee for referring you to them.”

What are the main services offered by Thornabytyres.com?

The main services advertised are used car sales, supply and fitting of tyres, and general vehicle servicing and repairs.

Can I book a service online with Thornabytyres.com?

No, the Thornabytyres.com website does not offer an online booking system. Tigerpitcrossfit.com Review

Customers are instructed to call or email for inquiries and appointments.

Does Thornabytyres.com provide pricing information on its website?

No, Thornabytyres.com does not display specific pricing for its tyres, services, or used cars on its website.

Customers need to contact them directly for quotes.

How can I contact Thornabytyres.com?

You can contact Thornabytyres.com via phone at +441642617181, email at [email protected], or by visiting their physical location at 2 Glasgow Street, Thornaby Stockton On Tees TS17 7AH.

What are Thornabytyres.com’s operating hours?

Thornabytyres.com is open Monday to Friday from 9 am to 5 pm, and on Saturday from 10 am to 3 pm. They are closed on Sundays. Hexkeyboards.com Review

Are there any Sharia-compliant alternatives for buying a car in the UK?

Yes, there are Sharia-compliant financing providers in the UK, such as certain Islamic banks or cooperative finance models, that offer Murabaha or Ijara contracts to avoid interest in vehicle purchases.

How can I find an ethical garage for car maintenance?

Look for independent local garages that accept direct cash or debit card payments for their services and do not push interest-based financing options. Prioritize transparency and clear pricing.

What is Riba and why is it forbidden in Islam?

Riba refers to interest or usury, and it is strictly forbidden in Islam.

It is considered exploitative and unjust, as it involves making money without genuine effort or risk, and it can lead to economic inequality and hardship.

If I have an existing interest-based car loan, how can I get out of it ethically?

You can try to settle the loan early by paying the full outstanding amount with halal funds e.g., savings, interest-free loan from family. Consult your lender for an early settlement figure and seek advice from an Islamic finance scholar. Trustedpetcarers.com Review

Does Thornabytyres.com have social media presence?

Yes, Thornabytyres.com has links to its Facebook and Twitter pages on its website.

Is Thornabytyres.com a new business?

No, Thornabytyres.com states on its website that it was “established in 2011,” indicating over a decade of operation.

Can I sell my car to Thornabytyres.com?

The website primarily advertises “USED CARS” for sale by them, implying they deal in pre-owned vehicles.

You would need to contact them directly to inquire if they purchase vehicles from individuals.

What should I look for in a website offering automotive services?

Ideally, look for websites with online booking systems, transparent pricing for common services, detailed service descriptions, an inventory of products like tyres or vehicles with prices, customer reviews, and clear contact information. Frontify.com Review

Why is transparency in pricing important for a service business?

Transparency in pricing builds customer trust, allows for easy comparison shopping, helps customers budget, and reduces uncertainty, which is beneficial for ethical transactions.

What are the risks of engaging with businesses that facilitate Riba?

Engaging with businesses that facilitate Riba, even indirectly, can involve one in a transaction that is impermissible in Islam.

It also normalizes and supports an economic system that is considered unjust and exploitative.

What are some common ethical alternatives for financial transactions in general?

Ethical alternatives include direct cash transactions, interest-free loans Qard Hasan, profit-sharing agreements Mudarabah, cost-plus-profit sales Murabaha, and ethical investment funds that avoid forbidden industries.

How can I ensure my car purchase is completely halal?

To ensure your car purchase is completely halal, either pay for the car outright with your savings, or utilize a verified Sharia-compliant financing product from an Islamic financial institution. Nexodesigns.com Review

Always ensure the entire transaction avoids interest.