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Renew Citigo with new?

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Citigo will be three in May. OSR seat belt socket has broken. Exhaust ( I think ) is banging and knocking when starting and accelerating or decelerating. Hope it's not a drive shaft. Dealer to look next Tuesday. Had a valuation too. They have offered £3750 which seems lower than expected. Will cost £8000 to change. Any thoughts anyone? If I change before April then I keep zero VED. After it goes up to standard rate £140. Just coming to 30,000 miles.

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