New car advice - HG gone on my Corsa - Rattle
I won't go into any details because there is a thread in tehnical but the upshot is my head gasket has gone on my Corsa and I cannot be bothered with old cars anymore. With my luck on used cars and my personality I just don't want the stress or hassle.

I have just been to a FIAT dealer to enquire about a loan for a new Panda I will find out in a few days if my application is sucessful. My credit score is rated excellent so its only really my self employed status which would effect me.

The Panda is £95 a month for four years, then a £1200 final payment.

The problem I have only owned my Corsa for 11.5 months, on the 27th of March I will have owned it a year and the scheme expires on the 31st.

The MOT is due on the 15th of March so as you can see the timing is all wrong. I have bought some block seal to hopefully bodge the HG and get it through the MOT but before I go down the scrappage scheme is there any other deals I should consider?

I only do city driving so engine size is not important, I just want something hassle free and simple. What ever car I buy I would keep it for a long time.

All this depends on my ability to get a cheap loan there is no point on paying higher APR. I did make a similar thread a few months ago with regard to my dad but the difference is my parents have poor history and my dads not driving anyway now.
New car advice - HG gone on my Corsa - ForumNeedsModerating
Panda - petrol, deffo.


Edited by woodbines on 08/02/2010 at 18:56

New car advice - HG gone on my Corsa - Rattle
Yeah the 1.1 Eco, 8v FIRE engine, very easy engine to work on but there is a problem with colour as my mate also has an identical car and if I buy one the same I will be a laughing stock. Another colour is almost £1k more which seems to defeat the object, I can get a brand new 1.2 16v Corsa for the same price although it may not be as reliable.



New car advice - HG gone on my Corsa - Pugugly
Thought of something with a longer warranty than the standard 3 years ?
New car advice - HG gone on my Corsa - Pugugly
Kia has seven - if you want a Fiat is spending a grand for a different colour really worth it ? The laughing stock thing shouldn't worry you.
New car advice - HG gone on my Corsa - Rattle
Heared too much bad reports on the Piccanto, my mates driven both and reckons the Panda is a world away in terms of how they drive. The RIO makes sense to me but I am not sure.

The warranty thing is not too much of an issue as they have a lot of hidden catches. What I like about the Panda is it has a very simple and very proven 8v engine where the car I have now has a very complicated 16v enigne.

I could always take out extended warranties too. Now if I do have to pay a lot for a different colour in the Panda that puts it into the £8k arena (without scrappage) and I could buy a brand new Corsa or Micra for that. I just applied with the loan through FIAT because if I cannot get a cheap loan this is pointless. I don't want to be paying silly APR amounts.

I've looked the Nissan Pixio but the specification is far too basic. The Panda is a similar spec to my ten year old Corsa so I won't feel like I am missing much.
New car advice - HG gone on my Corsa - slowdown avenue
why not get a qoute for the repair.
New car advice - HG gone on my Corsa - stunorthants26
From a purely white goods ownership angle, a Picanto with the 7 year warranty they are advertising it now has seems to complete piece of mind option.
New car advice - HG gone on my Corsa - rtj70
if I buy one the same I will be a laughing stock. Another colour is almost £1k more
which seems to defeat the object


So pay the unnecessary additional £1k and get a different colour? Or show some common snese ;-)
New car advice - HG gone on my Corsa - Rattle
Paying £1k for a different colour is not an option, so I either have to get a white Panda or a different car :) It is what I meant by defeating the object.

Anyway I could always get some decals and advertise my business on it, that way we won't get the cars mixed up!
New car advice - HG gone on my Corsa - rtj70
White Panda - what's wrong with that? As you say room to advertise your business. Win win.
New car advice - HG gone on my Corsa - Rattle
Becuase I know other things need doing to it too, repairing it just not an option especialy as I may be able to afford a much newer car for the what this is costing me.

I am considering all options though :).

The block seal should hopefully work enough to get the car through the MOT and the other option is to get a new engine from a lower milleage accident damaged car, the problem is most have been scrapped under the scrappage scheme :(
New car advice - HG gone on my Corsa - Old Navy
A HG fix is one hell of a lot cheaper than a new car, Rattle. But if new is the way you want to go, the long warranty offered by certain manufacturers is good for those funding their own cars.
New car advice - HG gone on my Corsa - Rattle
It dosn't stop there though does it, I know the shoes will need doing in the next 6 months, a tyre has gone (cheap I know), I am having problems getting into reverse at times, the gearbox has a bit of a wine all these little things will add up to what I could buy a brand new car for.

I know I still have to pay for servicing and stuff, but I do 4k a year so it should be a long time before I have to start buying brake pads and tyres.
New car advice - HG gone on my Corsa - 1400ted
the gearbox has a bit of a wine

Stop giving it the wine and it might change easier !

I'll get me coat !

Ted
New car advice - HG gone on my Corsa - gordonbennet
Stop giving it the wine and it might change easier !


Tee hee i love it here, can't make the slightest mistake without someone spotting it..;)
New car advice - HG gone on my Corsa - dieselnut
Why not get the Corsa MOT'd straight away before the HG gets any worse.
You will then know straight away if the car is going to qualify for scrapage without further expenditure, or whether you need to find a different route to a good deal.
New car advice - HG gone on my Corsa - Pugugly
A new car will add some credibility to your business -Rattle if you want a new car buy it - it's a basic human right !
New car advice - HG gone on my Corsa - freddy1
thought will the new system , and on records you could only get an mot a month early?
New car advice - HG gone on my Corsa - Rattle
It can be MOT'ed at any time but you loose a month. It expires on the 15th of March, so its not a problem.

The major problem is my car does not qualify for scrappage until the 27th of March :( The appeal of a brand new car is knowing the history of it, and not doubting what dodges have been done in the past. Quite a few people on this site have done it, bought a very cheap car and kept it for many years without any problems.

All this does depend if I can get credit or not though :)

Pug that is also partly it, I am earning more than ever before and I am thinking why do I need to keep driving old worn out cars.

Edited by Rattle on 08/02/2010 at 19:50

New car advice - HG gone on my Corsa - Dynamic Dave
The major problem is my car does not qualify for scrappage until the 27th of March


I'm sure there was an advert on the radio the other day where some car company is giving £2000 trade in on cars that are only 8 or 9 yrs old. Can anyone else remember who it was?
New car advice - HG gone on my Corsa - Old Navy
I think it is Nissan. EDIT - Yes, just checked their website.

Edited by Old Navy on 08/02/2010 at 19:58

New car advice - HG gone on my Corsa - rtj70
Nissan?

www.carscrappage.co.uk/nissan-offer-trade-in-on-ca...p
New car advice - HG gone on my Corsa - Rattle
Its Nissan, a tempting old shape Micra for £6k brand new. My car is old enough to qualify, I just haven't owned it a year until the 27th of March. I can't find any details on the Nissan scheme to say how long the previous owner has to buy it. However they have a nice thing where the car dosn't have to be registered to to same owner, the only the address, and there is an R reg Fiesta sitting out side which would qualify.

Not sure how my dad would feel about that though!

Edit just seen Rob's link and its the 12 months so its the same problem ;( Unless I used my dads Fiesta.

Edited by Rattle on 08/02/2010 at 19:58

New car advice - HG gone on my Corsa - Victorbox
Vauxhall are offering £3000 on cars 7 years and older - Swappage I think they're calling it.
New car advice - HG gone on my Corsa - Focus {P}
Vauxhall are offering £3000 on cars 7 years and older - Swappage I think they're
calling it.


I thought that sounded pretty good, so had a look at the website. The example they give is a 3dr Corsa Energy 1.0, £8,925. But that's after swappage - rrp is £11,925! 12 grand for a 1.0 Corsa??
New car advice - HG gone on my Corsa - old crocks
>>The major problem is my car does not qualify for scrappage until the 27th of March :(
Are you 100% certain it will qualify then? When the scheme started there was a fixed date of before 31 August 1999 not "ten years old" as was often quoted. Later this cut-off date was changed to 29 February 2000. Don't know what it is now but I would want to be certain before I got too far. What did the Fiat dealer say?
New car advice - HG gone on my Corsa - old crocks
Sorry Rattle but I have looked further into this and Directgov says your car does not qualify.
tinyurl.com/cjcrhc

"On 4 February 2010 the government announced that an extra month has been added to the deadline for the government scrappage scheme to help manufacturers and dealers prepare for and operate the final stage of the scheme.

Subject to agreement by manufacturers (consumers should check with dealers that the relevant manufacturer has agreed) the scheme will now run until the end of March or until the money runs out, whichever is sooner. The budget remains the same and there are no changes to the eligibility criteria."

That last sentence means it must be registered on or before 29 February 2000.
New car advice - HG gone on my Corsa - 1400ted
why not get a qoute for the repair.

>>
Had a HG done by our local man, you know where Rats, on our 1400 Berlingo van...was somewhere around £200 ish, he did the belt as well. Runs superbly now, passed it's ticket at Ian's this morning
£200...an new lease of life and no worries about the finance !

Ted
New car advice - HG gone on my Corsa - Rattle
Hopefully not too off topic but did you manage to get a new engine for that Astra? I suspect he is very busy with you and your friends bringing him broken engines to repair.
New car advice - HG gone on my Corsa - 1400ted
Not yet Rattolicus...doing a bit of research on the engine code, it seems to be rusted out on the block.
Plenty of engines around,,,two VX specialist breakers in Ancoats area.
The Berlingo didn't even need a head skim......it as just the gasket leaking oil into the water.
It was preventive, more than anything......it didn't even overheat.......but it would have done !

Ted
New car advice - HG gone on my Corsa - gmac
Where are you going to keep this shiny new piece of metal ?

Will it stand out like a sore thumb where you live and be a target where the older Corsa blends in ?
New car advice - HG gone on my Corsa - Rattle
Not really, there is always lots of new cars parked here due to offices next door, if a brand new BMW 750 can survive without being touched I think nobody will notice this.

It is of course one downside to owning a new car, I would be pretty damn annoyed if anybody did touch it. My mate got an egg thrown at his when it was a week old (different part of Manchester though).

Just seen the Fabias are £6k, that seems very tempting.
New car advice - HG gone on my Corsa - gmac
I take it the 750 is parked during the day. What about overnight ?
A friend of my wifes traded in her old Ford KA for a brand new Mini Convertible under the scrappage deal last autumn. Within two weeks some *insert your own word(s)* had keyed it.

Edited by gmac on 08/02/2010 at 20:17

New car advice - HG gone on my Corsa - Rattle
It is a just a risk I will have to take :) I should also add that the only reason I am considering a brand new car is the scrappage, if a 1 year old car was much cheaper I would take that option anytime despite the big advantage of having a car from new.

At the moment there is too many variables - will my car pass the MOT, will I get credit? Will the scheme still have money left in the pot by the end of March?
New car advice - HG gone on my Corsa - gmac
If you can afford it and you are happy with the deal go for it.
A lot of people get carried away with the thought of a new purchase and forget about storage.
Classic case is the new bigger car that won't fit in the garage when they get it home.
New car advice - HG gone on my Corsa - Rattle
I just have to think of it as as a cheap car rather than something which is brand new. It won't cost any more than my Corsa has done.

New car advice - HG gone on my Corsa - teabelly
I'm sure I read recently that vauxhall are offering up to £3k on cars only 7 years old or over. Can't remember whether that was only for Astras though.

APR isn't the be all and end all. What should concern you is the total cost of purchase for any given car. A highly discounted car with a higher APR may be cheaper than a main dealer priced car with 0% and scrappage for example.

If you are self employed have you considered business contract hire? There may be tax issues with using the car for personal use possibly but I am sure an accountant could advise.

New car advice - HG gone on my Corsa - oilrag
We bought a white 1.1 Panda last week Rattle. The white paint was a major attraction - with it being so easy to touch up.
We were glad to get the non interference Fire engine too, rather than one of those solonoid operated valve jobs that are intended to replace it.

New car advice - HG gone on my Corsa - bathtub tom
What's wrong with white?

Tell your mate 'imitation is the sincerest form of flattery'.

I bet his doesn't go wrong as much as yours. ;>)
New car advice - HG gone on my Corsa - gordonbennet
My tuppence Rattie.

If you feel that it's time to get a new car, which goes against my feelings (tight as ducks) but i understand your reasoning, then in my humble you should get as long a warranty as you can.

Before you do that though, have you maybe though about going up in size a bit and getting something a bit more old school tough and simple...i'm thinking of something along the lines of some of the larger Korean saloons (Sonata,Magentis etc) that are virtually bullet proof but worth peanuts because of the badge, under a grand, maybe have a look at a couple before you take the plung and take someone along who knows what they're doing.

I don't know your finances and don't want to but when i've taken out a loan as a youngster it's a long time preying on your mind and takes forever to pay back on something you might well detest in 12 months time.
New car advice - HG gone on my Corsa - Old Navy
Rattle, GB speaks sense, I have seen these tough "crap badge" cars used as taxis in the far east, used until the floor has been worn away by the drivers flip flop heel, (not corroded), and still mechanically sound after starship mileages. Don't be fooled by a badge or the shiny paint of a new car.

Edited by Old Navy on 08/02/2010 at 21:20

New car advice - HG gone on my Corsa - Rattle
I know the Panda well and I like it because its honest, it does not try and be posh but the build quality is solid and I know the engine fairly well.

I will look at other cars as well just to make sure. The Panda finance deal seems to be by far the best offer though (if I can get it).

If I do buy a new car because I am paying so little against the scrappage if I decide in two years time its not for me I should be able to sell it for pretty much what ever I owe on it anyway.
New car advice - HG gone on my Corsa - bell boy
you really need to take on board Luds advise on the other channel its proper

you are talking yourself into a millstone around your neck to keep up with your mates

stand back take a deep breath and reapraise the situation via another garage

the gunk you are intending putting in this engine will kill it stone dead

sermon endeth........
New car advice - HG gone on my Corsa - Dynamic Dave
My mate got an egg thrown at his when it was a week old (different part of Manchester though).


Was it on a housing estate, and was it wearing a suit?

(If you watched TV Burp at the weekend you'll understand the question ;o) )
New car advice - HG gone on my Corsa - brettmick
It is my opinion that everyone who likes cars needs to get the "I want to be the first owner of my new car" out of their system. I thought I had at 24 when I got a brand new R plate Corsa as a company car. I hated the job so it went after 4 months and I got a 17 year old Talbot as a stop gap for £80.

As someone who enjoyed 5 cars in our 2 person family last year, two of those brand new, I am now over the "need". Why? Because on a PCP you are paying the depreciation and I know that I wanted to spend my money on something better than a car sitting in my garage. That would be a different calculation if I were using it every day, so my advice is to weigh up the opportunity cost of the money and IF YOU ARE SURE you can afford it and that the car would be fast enough, big enough etc. then do it.

Don't "make do" with a new car though as at that price range if you go to a year old suddenly a lot more comes into your price range (i20 anyone?) while you still have the warranty and main dealer backup.
New car advice - HG gone on my Corsa - Rattle
Its £95 a month for four years, then £1200 final payment so 4560 plus 1200 = £5760.

It works out at barely more than £1k a year and at the end of the car should still be worth £3k. That is why this is appealing. If it was not for the scrap-page there is no way on earth I would consider buying a brand new car.

I am getting a £2k scrappage discount, I have not worked out the exact percentage but 2 year old Pandas are selling for £5k.

Bellboy my engine needs a new top end, chain etc the lot, it will cost a lot more to rebuild than a good second hand engine would cost.

All I need is a car that can cope well in the city :) I don't do motorway driving. It is just transport to drop laptops off with.

I've spent more than £100 a month on this Corsa if you include repairs and purchase cost.

A newish car with 1 owner and FSH And all the dealer backup is also another good option providing I can get a good finance rate.

I won't rush into it :) but the two best options are new engine or new car, new car is the least hassle and safest bet.

Edited by Rattle on 08/02/2010 at 21:44

New car advice - HG gone on my Corsa - old crocks
If it was not for the scrap-page there is no way on earth I would consider buying a brand new car.


Rattle, did you see my posts further up the thread? My reading of the situation is that your car does not qualify.
New car advice - HG gone on my Corsa - Rattle
Sorry didn't read it some of the threads got burried. I have bought the stuff to put in but I will now only use it unless I am certain I am scrapping the car. I will wait to see if I can get a loan first. in my

If not I will take it to the garage Ted uses. Ted the reason it is going to be very expensive my case is that it is a 16 valve engine with a timing chain so it is a much better job than say an 8v with a belt.

Also it from the gunk in the header tank it looks like somebody has put radweld crap in before to hide the problem and that has now failed.

Old crocks my car was registered in September 1999 so it will qualify but it will sadly need an MOT first as the MOT runs out on the 15th of March.
New car advice - HG gone on my Corsa - Rattle
Just having a long hard thing, the scrappage deadline is distorting my head a bit. On the plus side I am perfectly happy with my Corsa its the perfect size and spec and if wasn't for the HG I would have been happy spending a bit to get it through the MOT.

I will take to that garage to get a second opinion and a quote for the proper repair which I suspect at the very least will need new timing tensioners to solve the pinking issue.

I just want to keep every option open. My problem is something bad happens and I then rush into rash decisions as a way of hiding it. Thankfully there are older and wise people to make me see common sense. If its going to be a big job then I have nothing to loose than trying this blockseal because a new engine would be cheaper anyway.
New car advice - HG gone on my Corsa - bathtub tom
>>will need new timing tensioners to solve the pinking issue.

Why do you think the timing chain tension's got anything to do with pinking?

New car advice - HG gone on my Corsa - stunorthants26
>>Why do you think the timing chain tension's got anything to do with pinking?<<

You know who's thread this is dont you?

New car advice - HG gone on my Corsa - old crocks
Sorry Rattle, I mis-remembered what you wrote. I thought you were on the ten year limit not the owned one year limit.

Buy the white panda, paint big black patches around the wheel arches and around the headlights and feed it on bamboo shoots. :-)
New car advice - HG gone on my Corsa - FotheringtonThomas
Pffft! For the purposes of this thread, it does not matter one whit whether the car qualifies for scrappage, or whether the much-vaunted "blockseal" will fix a blown head gasket rather than the minor coolant leak for which it was designed, or whether concrete loaded into the cylinders would be better, or what a second-hand engine would cost, or anything at all. Blah blah blah.
New car advice - HG gone on my Corsa - legacylad
Rattle
I have just reduced my Mazda....se Classifieds. Considerably larger than your Corsa but totally reliable (to date) with a history of loving owners. I regularly leave it parked in less salubrious areas when visiting the big city for Imax/theatre/curries and it just blends in, giving me no cause to worry about wanton vandalism.
Sorry for plugging it..
New car advice - HG gone on my Corsa - Stuartli
Perhaps I've got the wrong end of the stick, but surely the idea of a scrappage scheme is to take such cars off the road, so why would their mechanical condition count against them?
New car advice - HG gone on my Corsa - NickS
Have you thought about buying this car through your business? I presume you are registered as a sole trader, and as such could you not claim back the VAT, given that it is basically a business tool? Get it sign written too and hopefully generate a bit of extra revenue which might cover your monthly cost. Or even better, get it wrapped in a vinyl covering making it look like an actual Panda, and get yourself a slogan such as "Finding PC problems un-BEARable?" A lot to be said for differentiating yourself from the pack, and people will recognise you instantly.

Is the deal on the panda 0%? If not I would consider a bank loan (business loan?) to cover the cost as its not then tied to the car. I think you would struggle to sell it before you had paid off any finance otherwise (if 2 years down the line you fancy something bigger).

The other option is surely just to get shot of your Corsa and take over the use of the Fiesta you mention is sat doing nothing? Sounds like a free car to me.............
New car advice - HG gone on my Corsa - Alby Back
The sign writing suggestion might be a good idea. Friend of mine has a flooring business. He specialises in high quality stone and tiled floor coverings. He bought a new Merc Sprinter which he used for a year or two unmarked. Recently though he had it sign written and had some graphics illustrating his work put on it. It has led to a huge increase in enquiries.
Previously if he was parked all day at a customers house or premises it was just a white van. Now it's an advertisement.

White Panda with good graphics sounds like a plan to me. Good chance you would recoup your investment fairly quickly.

Take an example. You have attended a customer and they are pleased with your work. Next day their neighbour asks them about you having spotted your car as they are also in need of your skills.....new customer......next day another neighbour.....

Go for it Rattle, take your business to the next level.

;-)

Edited by Humph Backbridge on 09/02/2010 at 09:37

New car advice - HG gone on my Corsa - perro
>>> Go for it Rattle, take your business to the next level. <<<

Ah - positive thinking at last!

Signed - ex small business owner who owned a *well* sign written van.
New car advice - HG gone on my Corsa - L'escargot
All this depends on my ability to get a cheap loan ..........


I'd just like to make a point (of which some people don't seem to be aware) about buying on credit. For a given total expenditure on cars in your lifetime, you'll get less total value of cars by buying on credit than if you paid cash. Just something to think about.
New car advice - HG gone on my Corsa - Rattle
The Fiesta is ok for now, but long term it needs new rear axle bushes and one of the arches is going badly. I will need to pay extra for the insurance too as I am only insured to drive it for personal use at the moment.

The total amount payable on this loan over four years is £5500 so its not bad. Considering I spent over £2k on my Corsa (inc the purchase cost) in the past year it is essentialy a good deal.

As said I above I am only going to do this if I can get a very low APR loan, I won't find it until a few days .

I've also got the autodata stats for the job and the book time is four and a half hours, plus an another hour for the chain tensioner so 5 hours at £50 labour it will set me back at least £250 plus parts. Then there is the usual problem of £100 labour down the line and discovering the head has cracked and it needs a new engine after all.

One final thought if all thats coming out the exhaust is coolent and the smoke is not that bad would it automaticaly fail the emissions?
New car advice - HG gone on my Corsa - zookeeper
rattle, if you only need transport for ferrying laptops about why dont you aquire an x- pizza delivery moped , and save up for a decent car with the money you save of fuel bills?
New car advice - HG gone on my Corsa - FotheringtonThomas
why dont you aquire an x- pizza delivery moped


Ha! Ha!
New car advice - HG gone on my Corsa - bathtub tom
Or even a pushbike. LIDL's do commodious panniers now and then, with my personal recommendation. ;>)
New car advice - HG gone on my Corsa - TheOilBurner
You can even buy waterproof trailers for bikes these days. Don't know how the laptops would cope with the bumps and shocks mind!
New car advice - HG gone on my Corsa - oldnotbold
Ask your accountant for the best way to buy it/put it/most of it through the business.
New car advice - HG gone on my Corsa - Pugugly
Forget bikes or scooters Rattle - you need a car !
New car advice - HG gone on my Corsa - Rattle
Indeed, I just need something with four wheels that dosn't keep sucking money out. Just doing nothing atm driving my dads car but having just done 6 miles in it there are a lot more faults with it than I realised so I only use it when I need a car, I have a bus weekly pass for jobs when a car is not essential.

Most my jobs are within walking distance too.

Was talking to a customer about it totday as he asked where my car was, he used to run a business repairing HGs but reckons on an old small car the bills will just keep coming so scrappage is probably the best bet.

There isn't a major rush to sort things out, just need to try and get it through the MOT with a failed head gasket but if the loan dosn't go through then a repair or new engine is my only choice. What I have ruled out is buying another old car, I would rather get mine fixed.
New car advice - HG gone on my Corsa - Waino
Rattle,

The HG went on my Mondeo 2 years ago and I had it fixed along with new cam belt etc at the same time. The following year, the sills needed welding. Now, this June when the MoT is due again, more welding will need doing around the rear wheel arches - and I suspect it will go on like this. In the meantime, all it's little niceties but not essentials, like heated mirror, remote locking, radio display etc are gradually packing up and not worth repairing. The vehicle is nearly 13 years old and with 164+k miles - its time has come.

I need a smallish estate for the next few years for putting band gear etc in the back but, if a small car would do, then I wouldn't hesitate to go for a Panda - petrol or diesel - decision depends on your mileage. You only really benefit from scrappage if you buy a small, cheap car anyway, and the depreciation on a Panda will be minimal if you are going to keep it for a few years. Folks rave about their Pandas!
New car advice - HG gone on my Corsa - Rattle
That is exactly my own thinking, my dad agrees with me, my mum thinks its a lot of debt. If the computer says no then I have no choice but to stick with what I have got. I checked the smoke and its not too bad, I reckon I can get the car through the MOT providing the crack gets no worse.

It is just a waiting game now :)
New car advice - HG gone on my Corsa - Pugugly
Has the computer said yes on the finance ?

If so I would get it tested as soon as so it doesn't get any worse...
New car advice - HG gone on my Corsa - Rattle
It takes a few days so at this stage I don't know its an option. This is the way I see it. I have a car which needs a major engine overhaul but I can easily afford a brand new car for the cost of a 3 year old one.

If I can get credit and at this stage I don't know, my credit score is very very good, 73% of people have worse score than me (I did a proper paid report). However I am self employed which is deemed risky for lenders.

If I can't get credit I am not going to get some silly 40% APR loan as it is just madness, I will have to either get my car fixed or get a new engine, the one thing I have ruled out is buying another old car.
New car advice - HG gone on my Corsa - Mapmaker
Golly, that lasted a long time.

I think with a small car that there's probably a lot to be said for driving/buying a new one, given that 2k buys you a rusty heap, and 5k a brand new motor. Complete no brainer (though remember you will have to pay for fully comp insurance).

PLEASE go for something with a 7 year warranty and then we won't have to have any more technical threads from rattletrap.

Oh yes, and if you buy the panda, I think 1k for a different colour would be money well spent.


You are, I take it, self employed. I presume you are not VAT registered (as if you were you would have turnover of 68k - and in your business that would mean nearly 68k profits, and you're clearly skint so you don't (and I hope you haven't voluntarily registered for VAT given the large number of private clients you have)).

Have you thought of buying a van (does the scrappage scheme apply to vans?)? You would - provided your year end is 5 April and you do not use the van for private use in the current year - be able to claim it 100% against tax, thanks to the AIA, with no restriction for private use. Then in subsequent years you could have as much private use as you like without any clawback. On the other hand, 40p per mile might be easier and better value..



Edited by Mapmaker on 09/02/2010 at 18:02

New car advice - HG gone on my Corsa - Rattle
No need for a van because I don't need to carry that much stuff at once. Back seats are more useful (even if they are cramped). Not VAT registered because it would not be helpful for private or business clients.

I haven't fully thought about the tax implications but I put down 80% of my vehicle use for business use (its actually higher, but I don't want to make IR suspicious).

I was told a nice chineese lady (you know the one) never to lease a car because with my history apparantly all lease companies have black listed all 27 years from Manchester in case they are me, I think she was joking though.

I really need a car though and that simple engine in the Panda really appeals to me because its a simple engine of the old fashioned sort (no 6 hour HG repairs on that engine).

Looking at the I10 but from threads on here it seems Hyundai dealers have messed people about, my mates experience with FIAT has been brilliant. He's had his Panda six months now and never seen the dealer since the day he got it.

It really does depend if I can get credit. My Corsa is still drivable too but if I use it I am just making the HG worse.
New car advice - HG gone on my Corsa - Pugugly
A car is more attractive to a potential partner as well.
New car advice - HG gone on my Corsa - Rattle
Yeah thats true, a van sometimes just looks like a company van the employee is borrowing for the weekend. That said I don't think most people really care what people drive as longs as its now yellow and has three wheels.

I've always been the exact opposite of flash.
New car advice - HG gone on my Corsa - L'escargot
A car is more attractive to a potential partner as well.


You can get a mattress into some vans.
;-)
New car advice - HG gone on my Corsa - Rattle
I am far too old for that sort of carry on! Might come in handy for camping though, I wouldn't need to bother pitching a tent!
New car advice - HG gone on my Corsa - Stuartli
>>I am far too old for that sort of carry on!>>

I thought you were only 27?
New car advice - HG gone on my Corsa - Rattle
Yes but I am a lot more fussy now :) What I mean is in my head I am far from a teenager now.

New car advice - HG gone on my Corsa - Waino
A car is more attractive to a potential partner as well.>>


Ah, Rattle, if it's a woman you're after, then perhaps a Panda is not the right vehicle. What you need is my old Mondeo estate ;-)
New car advice - HG gone on my Corsa - oilrag
C`mon - stop teasing Rattle and get back on track ;-)
New car advice - HG gone on my Corsa - slowdown avenue
does the scheme allow 2 weeks lapse of mot, bring you to 29 march, 2days after your 1 year ownership, 2 days inside the end of scheme
New car advice - HG gone on my Corsa - Rattle
Not as far as I am aware and either way I cannot do anything until the 29th, so it would mean driving a car quite some distance (the FIAT dealer is 7 miles away in the city) without an MOT.

It is why I was wondering about scrappage altneratives, nearly new car at dealers seem stupidly expensive.
New car advice - HG gone on my Corsa - slowdown avenue
read HJs rules top of page mot section. you could have a booking for mot with them
New car advice - HG gone on my Corsa - slowdown avenue
was, at the scrappy today, he wanted £350 for corsa engine reckons he sells them daily, and £150 to fit it. i would thi9nk you could fix yours for less.
how much extra would your insurance be on a panda, then floor mats and seat covers
New car advice - HG gone on my Corsa - Rattle
My Corsa is fully comp anyway I don't think it will make much difference, I don't want to check though until I know if I can gt a loan. Repair costs I seem to getting from google is around £500-£600 if the jobs done properly.
New car advice - HG gone on my Corsa - SpamCan61 {P}
Repair costs I seem to getting from google is around £500-£600 if the jobs done properly.


Seems somewhat expensive to me, a head gasket change on a 2litre 16V Omega at a Vauxhall main dealer 4 years ago cost me 400 quid, local mechanic would've cost a day's labour +parts + head skim which would've been about 50quid cheaper.
New car advice - HG gone on my Corsa - touchbase
Well, my suggestion is an ex-BG Kangoo van. Cheap to buy, service history, low miles. Will take signwriting, dirt cheap to run, very secure, great around town, comfy to drive in. I have had mine (03 reg) for 3 years now and apart from fuel ( 50+ per gallon) , tax(standard) and insurance(cheap) it has cost me under £200 in routine repairs, maintenance etc.
A new car/van is great but you take the depreciation hit, pre-owned somebody else does.
New car advice - HG gone on my Corsa - BobbyG
But then you fall into the issues that Rattle has just now in that if you get the wrong used car/van, its going to cost you in repairs.
New car advice - HG gone on my Corsa - touchbase
I agree, but you can also get a naff new car too. I think the Panda is a nice little car, I had a couple of FIRE Uno's years ago and they were smashing little cars. Older and wiser now, I don't buy new any more. However, as someone said at the top of the thread, everyone *has* to do the new car thing at least once.
My experience of the BG Kangoo, it's great, I would have another, but yes it could be a dog if you're unlucky. You can get a BG 05/06 with 30k miles for not much.
New car advice - HG gone on my Corsa - SpamCan61 {P}
A new car/van is great but you take the depreciation hit


plus you get to worry about where to park it overnight and getting your first ding.
New car advice - HG gone on my Corsa - 1400ted

Rats...You know Ian's OK at the MOT station. Why not pop down and ask him if he would fit you in between tests and just do an emissions test for you. He's done it for me.
Slip him a crisp tenner and you'll know how bad it is....or not !

Ted
New car advice - HG gone on my Corsa - legacylad
My tuppence worth....never borrow money to buy a car. A home yes, a business yes, but not a lump of depreciating metal.
New car advice - HG gone on my Corsa - Alby Back
Funnily enough legacylad, I was just re-reading some of this as it kind of reminds me of the early days of my business when I / it genuinely needed a decent large car. I've been a bit of a hypocrite further back up the thread in advising Rattle to "Go for it". I never did and always paid for my cars from savings for the reasons you highlight.

Even when things got a lot easier and I / the business could easily afford a posh car I always only spent an amount of money I could afford to ignore.

Having said that, a Panda is not exactly self indulgent and as Rattle has pointed out it looks pretty affordable even when stacked up against his current bangernomics strategy. So in summary......

Yeah....go for it !

;-)
New car advice - HG gone on my Corsa - legacylad
Fair enough.
I went for it in '91 with a 3 year old URquattro (my first MLC) and again in '97 with a new Elise (my second MLC). Somehow I missed the 6 year cycle in '03 but am now back on course with the 330Ci Convertible.
New car advice - HG gone on my Corsa - Alby Back
I guess most people who regularly frequent car forums might admit to having occasionally bought things they shouldn't have and while regreting some of them being quite glad they did in other cases.....

Have I ever told you about my Westfield ? Thing is, it was back in......

;-)
New car advice - HG gone on my Corsa - ifithelps
If the scrappage scheme is a genuine plus to the buyer, it might make borrowing to fund the deal a wise move.

A Panda is a sensible enough choice, but I would be concerned about leaving a shiny new car parked outside in a big city overnight.

I get the impression Rattle Towers is not situate in the best of areas.

Cosmetic damage costs a lot fix, and can leave the car permanently tainted in the eyes of its owner.

New car advice - HG gone on my Corsa - Rattle
That is exactly the point I don't want another old banger, I would rather keep my Corsa as least I know it and apart from the HG issue its not a too bad car.

I will get getting a high pecentage off from scrappage, 36% off to be exact on an already cheap car. Small cars also keep their value very well. In ten years time it will still be worth £1k.

In four years time I will easily be able to get £3k for it, meaning the total cost has been around £2500 for four years motoring. I also do low milleage so servicing issues like brakes etc shoudln't be a problem for quite some years, I may well have to buy a few new back boxes though.

Having said all that this thread is a little premature because I don't know if I can even get a loan yet.

Ifithelps I actually live in one of the better areas of Manchester, however car crime in general in Manchester is very high. My mate parks his in a rather average part and has never had problems being on the street. It is an issue though, luckily my jobs also tend to be in the better areas too.

Ted thats a good idea about the MOT man, I will ask him tomorrow, the print out on the emissions should show exactly what the problem is even if it passes.

Edited by Rattle on 09/02/2010 at 21:55

New car advice - HG gone on my Corsa - BobbyG
Legacylad, why not borrow? I may not have £5k cash for a car but I might be able to afford £100 a month for the loan - so why not? Obviously taking into account sensible interest rates and depreciation via outstanding loan.

I am not advocating the "Bright House" type of finance where every penny of your benefits are accounted for to repay your tv, etc that you could have done without. But if you are in a steady job, with steady income, know your limitations then why not?

Everything I buy depreciates, my shopping, my TV, my cd's and dvd's , and even my house may have.

Yes in an ideal state have money saved up for any purchase but the problem is everyone would be sitting around till their 40 before they can afford to buy anything!
New car advice - HG gone on my Corsa - Manatee
Borrowing is a very personal choice.

Borrowing to invest can make you more money - as with buying houses, or capitalising a business.

Borrowing to get 'stuff' just adds to the cost so loses you money. The monthly commitments make you poorer and more vulnerable to a drop in income.

I borrowed £500 to buy a car when I was 24 - the interest rate was very low and the payments were only £21 a month, but I resented every payment and never did it again, and I've been happier for it I think.

If Rattle can get over the immediate transport problem, maybe he could invest a fraction of the £100 in new kit to make him more productive or enable him to do other types of fix - that would make him money, not make him poorer, and he might get a better car in a year or two without the borrowings.

What think Rattle? Or do you have all the kit you need for your business?
New car advice - HG gone on my Corsa - Mapmaker
Rattle. Please, please buy a new car, and then we shall be spared all these hypothetical threads.

For the record, I haven't heard of anybody (in real life; obviously on a motoring forum you only hear of the problems) with a head gasket problem otherwise than on a K series Rover.

Yet if you search the forums for posts by Rattle including "head gasket" there are 48 hits, likely HGF being attributed to virtually every small car on the streets.


Frankly, I just don't believe a word of it.


New car advice - HG gone on my Corsa - stunorthants26
It has become a bit of a Carry On film. I swear Im just waiting for a 'my car has a rust spot so I have to re-shell it' thread.
New car advice - HG gone on my Corsa - TheOilBurner
Don't be so hard on Rattle. The BR would be a lot less interesting without him and his funny tales.

:)
New car advice - HG gone on my Corsa - jbif
Please, please buy a new car, and then we shall be spared all these hypothetical threads. >>


I shouldn't bet on it. Just think, the Fiat Panda will give hundreds of opportunities for various questions and a Hyundai with 7 years warranty will lead to 7 years of constant queries on whether a speck of dust qualifies for repair under warranty.
Frankly, I just don't believe a word of it. >>


I guess that if everyone followed the advice in the first sticky in discussions in response to certain paranoid people, the number of daily posts and hits to this website would halve (and so could possibly impact on HJ's income).

p.s. BTW, I think the HG failed because he started his car when it was kept unused for days/nights outdoors at temperatures reaching minus 17 degrees Celsius.

New car advice - HG gone on my Corsa - Rattle
That thought had crossed my mind too, but the water out the tailpipe has been a problem before I realised I was loosing water. It is always dripped a bit but it usualy cleared up after a few miles but now its not clearing up and I am loosing coolent. There is a very slight sweet smell from the rear tailpipe although its not very strong.

I did not start the car in extremes of -17c, it was always above freezing and I only it twice and left the engine running for 20 minutes or so.
New car advice - HG gone on my Corsa - Mapmaker
I did not start the car in extremes of -17c it was always above freezing
and I only it twice and left the engine running for 20 minutes or so.



I'm not sure what this is asserting, but I think it is asserting that whilst Rattle was ill (swine 'flu?) he only started the car twice. Yet here

www.honestjohn.co.uk/forum/post/index.htm?t=81658&...f

he was starting it every few days.


New car advice - HG gone on my Corsa - Bagpuss
Years ago my 7 year old Mk2 Ford Escort was misfiring badly and the temperature gauge shot up into the red. Topping up the radiator brought only temporary relief. Eventually the engine stopped and wouldn't restart so I trudged to a phone box and phoned a mate who towed me home. The dipstick indicated a significant amount of water in the sump and removing the cylinder head revealed 2 of the pistons to actually be completely submerged in several centimetres of water. Ah, that'll be the head gasket then. Half a days work and the car was roadworthy again (or as roadworthy as one of these underengineered rotboxes was ever going to be).

That was the only car I've ever owned that has suffered head gasket failure. Maybe I've been lucky.
New car advice - HG gone on my Corsa - Rattle
I will film it if you want but I really cannot be bothered. If you don't like my threads you do not need to reply to them. I've known a few people who had HG problems and one of them was a K series.

There is no signs of any leaks, I am using coolent, I have mayo, there is smoke like a steam train, there is a lot of water dripping out the back. But of course its just my imagination. Its perfectly normal for cars to use a lot of coolent and have rust in its header tank.

I've had cars long enough now to know the difference between condensation (e.g a bit of steam when the engine is cold).

I am going to book my car in to a bigger garage which Ted uses later just to get a proper check done to confirm it is the HG for 100% certaincy.
New car advice - HG gone on my Corsa - Pugugly
"If you don't like my threads you do not need to reply to them"


Well said Rattle
New car advice - HG gone on my Corsa - ifithelps
When I worked at the garage in the 1970s we did a lot of head gaskets.

So many that we had our own cylinder head grinder/refacer.

We also kept a stock of about a dozen rebuilt cylinder heads - the popular models at the time.

Breakdown customers were quite impressed because we could do a head gasket in about an hour by fitting one of the 'stock' cylinder heads.

We kept their old one, and rebuilt that when it was quiet.

New car advice - HG gone on my Corsa - Waino
When the HG failed on the Mondeo, the symptoms were a slow loss of coolant and increased steam from the exhaust - even when the engine was warmed up. THE method for verififying HG failure was a 'pressure' test - which proved beyond doubt that the HG had indeed packed up.
New car advice - HG gone on my Corsa - Brian Tryzers
Rattle wrote:
the gearbox has a bit of a wine

so Ted wrote:
Stop giving it the wine and it might change easier

and GB wrote
Tee hee, I love it here, can't make the slightest mistake without someone spotting it.

Then Rattle wrote
Just having a long hard thing.

And no-one said a word. Quite right too, of course.
Sven, Samantha! Stop that at once! The kindly old gramophone archivist can dust off that seven-incher without your help.
};---)

Incidentally, could we perhaps have a précis version of these threads for those readers with - ahem - lives? Perhaps it could go up on Sunday morning and be called Rattle Redux. }:---)
New car advice - HG gone on my Corsa - Garethj
£95 a month for a new Panda that'll depreciate?

Find a friendly, experienced, mechanically minded person to buy you a car for a budget you can afford and give him £250.

In the last 10 years I must have bought half a dozen cars for me and Mrs GarethJ, only 1 ever left me stranded (that 1961 throttle cable wasn't covered under VW's warranty). No breakdowns, no carrying tools around, nothing except servicing and repairs that were done when it was convenient. I'm sure most people's story is the same, is Rattle using up everyone else's bad luck?
New car advice - HG gone on my Corsa - TheOilBurner
is Rattle using up everyone else's bad luck?


Drat! If I'd known that beforehand I would have finally took the plunge and bought myself an Alfa!

;)
New car advice - HG gone on my Corsa - brettmick
i10 anyone?

Trade in your 7-10 year old car. Upgrade to any new Hyundai.
£2,000 minimum part exchange allowance when you
Trade and Upgrade *
Missed out on the Government's Scrappage scheme? You can still afford a new car when you Trade and Upgrade with Hyundai.

When you trade in your 7-10 year old vehicle (W to 52 plate) we'll give you a £2,000 minimum part exchange allowance against a new Hyundai. It's as simple as that. All models come with impressive levels of equipment as standard and our Five Year Warranty for your peace of mind.

Thanks to Trade and Upgrade, owning a new Hyundai is now even more affordable
New car advice - HG gone on my Corsa - Rattle
I've been looking at that Hyundai scheme and the I10 seems to fit my needs perfectly. The big question is now is I can get a loan I have researched it and it seems even though my credit score is exellent my income and self employed status may go against me.

Is their a minimum amount of time a person has owned the car for the Hyundai scheme? That is what is causing me problems at the moment.

I've also booked in my car for next thursday to have a proper test done by Ian (the machnaic that does all Ted's engine work) but I then went onto a job a mile from there in total I had the engine running for 40 minutes on the way back and I then left it ideling until the needle got into the middle, it was still plashing out water all over the place and the colour of the water coming out the back is exactly the same colour as my coolent.

He said if it is the head gasket the car is scrap as it will cost £600 to repair because it will need a timing chain, tensioner, skimming etc.

Edited by Rattle on 10/02/2010 at 15:34

New car advice - HG gone on my Corsa - RobertyBob
The Scrappage Scheme rules allow the MoT certificate to expire up to 14 days before the date of the order. Would this help with your timing?

Quote from direct.gov :-
?...have a current MOT test certificate before date of order for the new vehicle (or that has expired no more than 14 days before the time of order ).?
New car advice - HG gone on my Corsa - Rattle
I bought the car on March 27th 2009, the MOT runs out on March 15th. The problem is the dealer said I could not bring it in until the 29th so yet it does help if I can find a good dealer who can sort me out on the 27th or 28th.

The main problem is how do I get a car without an MOT to the dealer?
New car advice - HG gone on my Corsa - SpamCan61 {P}
The main problem is how do I get a car without an MOT to the
dealer?


Book an MOT at that dealer, then it's legal to drive it there.
New car advice - HG gone on my Corsa - Mapmaker
Or drive it to him before the MOT runs out.
New car advice - HG gone on my Corsa - FotheringtonThomas
Or just drive it, it's only an MOT.
New car advice - HG gone on my Corsa - FotheringtonThomas
He said if it is the head gasket the car is scrap as it will
cost £600 to repair


Oh well, best just scrap it then. It'll solve all your problems, and many others.
New car advice - HG gone on my Corsa - Mapmaker
>I haven't fully thought about the tax implications but I put down 80% of my vehicle use for
>business use (its actually higher, but I don't want to make IR suspicious).

I doubt it judging on figures we have seen so far. 2,500 miles, of which 400 on a trip to Wales and two 100 mile trips to Southport suggests 24% private use, even if you never even use the car to go to Tescos.


You may well generally be better off claiming mileage at 40p per mile.


(Although in the current year as you paid £1,300?, and spent £826, plus petrol say £250, claiming 76% of that lot (assuming no scrap value) gives you a deduction of £1,805.)


New car advice - HG gone on my Corsa - Rattle
Paid 1150 for it, until very recently apart from the holiday to wales and two trips to Southport that has been the only personal use of my car. I do 70 miles a week and less than 5 of them is personal however now my dads not driving I am doing more personal milleage than I was.

I might end up having to hire an accountant to make it easier to get a loan and hopefully they can also advice me on how to maximise the amount of expences I claim.

With regard to MOT driving it there before it runs out sounds like a good option if the dealer will allow it. The Hyundai scheme needs a lot more looking into though, it may well be the answer.

Edited by Rattle on 10/02/2010 at 17:04

New car advice - HG gone on my Corsa - stunorthants26
A good accountant is worth their weight, well worth the money and unless you earn a very good wage, they have many good ideas about making tax go away.
New car advice - HG gone on my Corsa - Mapmaker
Oh yes, don't forget the car insurance too.
New car advice - HG gone on my Corsa - quizman
Rattle, my advice is- do not borrow too much to buy something which will loose money. You will end up in debt. Get a car you can afford like a petrol Focus from a proper dealer, not from some Arthur Daley type.

Good luck.
New car advice - HG gone on my Corsa - Rattle
The problem is a Focus from a proper dealer actually costs almost as much as a new Panda does. I haven't checked prices lately but I reckon a good 03 reg (7 years old) Focus would cost me at least £3k from a dealer if not more, and it will need work doing on it even if it is just a couple of tyres.

The only reason I want new is simple used cars have increased in value a lot, cheap new cars are cheaper than ever thanks to the scrappage. I've seen 3 year old Pandas at dealers for the price I can get a brand new one for.

The debt is a big issue but I am sensible enough to know what I can afford and the total payments per year is very low in terms of my total income. It barely costs more than my contract phones.
New car advice - HG gone on my Corsa - Hugo {P}
I wouldn't discount the idea of a loan for a new Panda just yet.

If he can get the 2k off under the tale end of the scrappage scheme he could be onto a good thing. The total cost to change to a new car from this 10 year old Corsa at £3k makes a lot of sense, especially if he can claim mileage against business.

Assuming he is running it as his own car and claiming mileage allowance, there will be a suitable mileage rate he can claim back against tax.

He needs something reliable for his work, this car will give him image, which is important. OK so it may depreciate faster than an 03 Focus, but it will cost him less to run than a 6 year old car. He will have a 3 year warranty or more with the Kia. That won't pay for running costs but it will help ensure against unexpected costs.

He will no doubt do quite a bit of mileage in his work, so those first few years of owership are important.

If he wasn't in a position to get the scrappage allowance then it would not seem so attractive.

Alternitively, if his dad's fiesta is worth less, then he could use that. The new car would have to be registered in his dad's name but a change of keeper in a month or two would solve that, the only disadvantage being that the V5 will show 2 owners not 1.
New car advice - HG gone on my Corsa - Rattle
Just an update, I phoned the dealer who said the loan has been approved. So if I want to get a new car the option is there. Also because of the 14 day MOT lapse rule which I didn't know about until somebody told about it on here I don't even have to bother getting my car through the MOT.

The dealer said they can probably collect the car from my house so some of the problems have been solved. Just one concern is the scheme guarenteed to last till the 31st March? The dealer seemed to think so.
New car advice - HG gone on my Corsa - hyundai_help
It's not guaranteed to last, just until money runs out.

The dealer might be able to get you on the system early, I would ask.

Out of interest, what was the APR they offered you, if you don't mind saying? I didn't find Fiat very forthcoming with low rates, and bought a similar Panda on a 0% credit card (Tesco do 12 months interest free in case this helps, you have to pay Fiat 2% fee, you claw some of this back in clubcard points).
New car advice - HG gone on my Corsa - RobertyBob
Does the Panda have to be white?

'Mambo Yellow' seems to be a no-cost option according to FIAT's web site.

It also seems to come with 'Partial cellophane wrap'. What on earth is that?

Edited by RobertyBob on 11/02/2010 at 21:39

New car advice - HG gone on my Corsa - gordonbennet
Have you test driven one yet Rattie...how many times did you manage to stall it?

Course it could be me and my oversize plates, and it's not true what they say.;)
New car advice - HG gone on my Corsa - Rattle
Not driven one yet I need to book a test drive, I want to test drive a few cars. I have also just looked into deal a bit more closely as they have not done a credit search (I checked) all they have is my word for it that I have ran this business for four years. It turns out is leased, thats why there is a payment at the end. As I intend to keep the car beyond that its not too much of an issue but there is an anual milleage limitation of 5000 a year. I always wondered why my mate had become to mean about lifts!!

I've done exactly 3000 miles in my Corsa and 600 of them were holidays/day trips.

I am not going to rush into anything but at the same time as my MOT is running out, my engine is pretty much had it I only have a couple of weeks and I am mad busy with work, when I post on here it is always inbetween jobs or when I am working on PCs at home waiting for scans. I need to book an entire day off to visit dealers.

An update on my Corsa, my dads car is not running properly (I know whats wrong with it, its just a split vacumn hose will take me minutes to fix) so I had to my Corsa to take my grandma back home. I was aware of a trail of steam behind me (although most cars were smoking due to the weather) but when it idleing it started running on three cylinders so I think that was its last outing.

It is a real shame as the body work is suburb but even if I had a new engine put in everything else will still be worn.

What is so nice though is I now have a car decision to make and for once its not which £500 should I buy. Finally feels like I have been working for something for the past four years.

The way I see it is £95 a month is not a lot of money at all (I typical spend £30-£50 on a saturday night) and if times got a little hard I could easily cut my spending.

I now just need to compare all the different cars and finance deals without it affecting my work.

My favourites are:-
Fiata Panda - I love Italian cars, always have done they make cars for passion and even make a cheap city car full of charector. It has a simple well proven 8v engine too so if I have it in six years time its not a car only dealers can fix.

Hyundai I10 - The five year warranty is attractive but when you look into closely there are catches, the brand means nothing to me where as FIAT is something I really like, I always take an active interest in FIAT models where as Hyundai they are all washing machines. That said all I need is a washing machine and the car fits the bill.

Nissan Pixio - Not the base spec but the mid range model, costs about the same as the Panda and looks a bit more modern. I think I find the quality of the interior rather lacking though even compared with the above.

Corsa 1.2 16v 5 door - Currently a very good offer on but the car is too heavy, the engine is too under powered and there is still a question mark over the long termness of the engine, mine hasn't done well and then there is cam shaft horror stories. Still a hell of a lot of car for £6500.

Ford Ka - I really like the funky design and I do really like Fords, I really need a 5 door though and the mechanicals are a long way from the Fords I have grown up with.

Kia Picannto - too small and gets bad press compared to the Panda.

Kia Rio - Zero image but quite big and a very long warranty. It would be ideal for my dad and if he can afford something newer I will suggest it but its not right for a 27 year old.

Suzuki Swift - I love these cars, they look really cute (like the original mini) are supposed to be very fun to drive and are very well built. The problem it is slightly out of my budget and it also costs more to run than the Panda.

C1/106/Aygo - They seem to be quite pricey for what they are and probably no better build than the Panda.

8 year old Alfa 156 - My perfect car really, but HJ will end up using all his bandwidth because of my 200 posts a day in technical asking for help with all the faults!
New car advice - HG gone on my Corsa - Nickdm
Go get the white Panda, Rattle! Paint's only paint and not worth paying a grand extra to choose a different colour. With a brand new car you'll be buying a warranty and PEACE OF MIND, which is priceless after you've spent a few years nursing older cars and picking up unexpected bills. I'm sure you can earn the 95 quid/month repayment in the time you save not worrying over an older car, or trawling round garages/repair shops!

Lovely wee car the Panda. And you only live once :-)
New car advice - HG gone on my Corsa - Rattle
Exactly, while visiting garages for repairs has never actually stopped me from doing work as a lot of jobs I can walk or get public transport to and also have access to my dads car. However I am sure I have lost marketing time when I could have been doing leaflets/updating website/practising virus removal etc so having a car that only needs to see a garage once a year instead of once every two or three months is a major appeal. For me though the biggest thing is knowing the history of it.
New car advice - HG gone on my Corsa - jbif
The Panda is £95 a month for four years, then a £1200 final payment. >>


Is this a PCP type deal such as this one? :

New Fiat Panda Active ECO on the Scrappage Incentive scheme
Finance Example

Cash Price: £4,995
Deposit (1.98%): £99
Balance to Finance: £4,896
47 Monthly Payments of: £95.96
Followed by 1 payment of: £2,084
No Payment Protection: £0.00
Total Payment: £95.96
Annual Mileage: 5000miles
Guaranteed Future Value: £1,799
Excess Mileage Charge: 6p per mile
APR: 12.5%
Total Amount Payable: £6693.12
Interest: £1413.12


Note that Rattle's deal says final payment is £1200, whereas the one I have shown says final "payment of: £2,084"

Edited by jbif on 11/02/2010 at 22:25

New car advice - HG gone on my Corsa - Rattle
That seems to be one, see above it took me a long time to make that post hence the order being wrong.

The dealer told me £1200 final payment so I need to clarify it. If the sales man was wrong or I miss heared him (I do have a slight hearing problem) then it worries me. That said £2k for a four year old Panda with about 18k on the clock and known history isn't too bad. If I saw a four year old Panda with 1 owner, FSH and 18k on the clock for £2k I would jump at the chance.

My biggest worry with any finance is what happens if I have an accident and the payout is less than the total value fo the loan? This happened to my cousin. Hopefully it if it does because the amount in question is quite low it should only be a few hundered pounds annoying but not the end of the world.
New car advice - HG gone on my Corsa - Manatee
>My biggest worry with any finance is what happens if I have an accident and the payout is less than the total value fo the loan?

You can buy gap insurance for this - just don't buy it from the dealer.
New car advice - HG gone on my Corsa - Rattle
I know about GAP but didn't realise I could get it from a third party I will look into it :).

Also I might specify the £40 cig lighter, because I don't think the standard Panda comes with a 12v output for my sat nav, that said I doubt I will ever go any where which is so long I can't charge it at home. I only ever really use my sat nav for strage areas with complex road layouts anyway.
New car advice - HG gone on my Corsa - Pugugly
You can get GAP for between 50 and 75% of what dealers charge from t'internet.
New car advice - HG gone on my Corsa - Rattle
Thanks I will have to do some sums to see if it is worth it, it is one of them break down cover type things, if you don't have it you will break down, if you do have it you won't.

New car advice - HG gone on my Corsa - Pugugly
Another thought, if you can get documentary evidence of an internet price, your dealer will probably match it.
New car advice - HG gone on my Corsa - Pugugly
You should get some sort of breakdownn cover as part if the warranty..
New car advice - HG gone on my Corsa - Rattle
I think it comes with a year, I know my mates did. I already have RAC cover for another 6 months too on my Corsa :( it was cheap.

Just need to think about it over a few pints over the weekend as I know it is a lot of debt so it is not a decision I can make straight away.
New car advice - HG gone on my Corsa - Stuartli
>>..and 600 of them were holidays/day trips.>>

A lot of them discovering the hidden delights of North Wales...:-)

>>(I typical spend £30-£50 on a saturday night)>>

That's three to five nights boozing four pints of Guinness each time in my local club...:-)
New car advice - HG gone on my Corsa - Mapmaker
I already have RAC cover for another 6 months too on my Corsa :(


If you tell them you have bought a new car which comes with cover they will (probably) suspend your cover for 12 months. Ring 'em.


>>>>(I typical spend £30-£50 on a saturday night)>>

So if you stay at home on Saturday night for two years, you have bought an entire new car.



New car advice - HG gone on my Corsa - OldSock
So if you stay at home on Saturday night for two years you have bought
an entire new car.


But no friends with which to enjoy it :-)
New car advice - HG gone on my Corsa - rtj70
Also I might specify the £40 cig lighter, because I don't think the standard Panda comes
with a 12v output


It probably has the 12v power socket with a plastic cap instead of a lighter. I know it's only £40 but I'd check. Although it also will come with an ashtray which can be handy for storage.
New car advice - HG gone on my Corsa - slowdown avenue
fiat panda. Fix It Again Tomrrow. Test drove one and it was the easiet car to say no to. gears ,brakes , clutch, gas, all awful
hyundai i10 bought one . all good , but can you wait 4 months
swift , all the pundits saying how good it is. it was a great disappointment
agila, liked it bit pricey, tinny indicators
pixo, liked it, well breed, likeable 3 cylinder!. good price
kia rio , the diesel engine is brilliant. try it
picanto, great brakes
micra ,good car made here!
New car advice - HG gone on my Corsa - midlifecrisis
I paid 25% for my RTI gap on what the Audi dealer was asking for!

Just Google gap insurance. Plenty to choose from.

Edited by midlifecrisis on 12/02/2010 at 17:58

New car advice - HG gone on my Corsa - Rattle
My dads Punto was always very reliable in the 50,000 or so miles he put on it, that said it only had 14k when we bought it, this Panda has the same engine though.

Had great MPG and was always much faster than the 0-60 would suggest.

I need to test drive the Panda and others before I make any decision. I have done 6 miles in my Corsa since making this thread and 40 or so on my dads. My Corsa has lost about 50-100ml (impossible to tell its just down by about 5mm) so it is another indicator of HG certaincy but won't know for sure until next thursday. It was pinking a lot the last time I ran it and didn't idle smoothly as if one of the cylinders was struggeling though that may just be an engine mount.

I am also wondering what happen after the scrappage will these city cars come down a lot I wonder? If so there might not be such a major rush and I could put down at least £1k deposit or more.
New car advice - HG gone on my Corsa - Pugugly
Lot of firms are offering 0% finance now as scrappage starts to pale. Vauxhall have a Swappag scheme of some sort.
New car advice - HG gone on my Corsa - Rattle
Just spend the day at the dealers.

Hyundai have offered to give me £2k for my Corsa and they will then flog it Auction. I prefer this because it would be a shame to scrap it. However the car does (i10) does not seem to be as well built as the Panda and it dosn't have electric windows in base spec form which I find stupid.

The C1 seems a bit poorly made compared to the Panda.

I have driven the Panda and I really liked it, the steering had a lot of feel but was also very light, the boot is the perfect size and group one insurance and £30 a year taxi mean it makes a lot of sense.

Also been to two Ford dealers and I can buy a brand new panda for the cost of a four year old Fiesta with 40k on the clock. Used cars have goen up in value too so it makes them also less attractive.

Now although the Panda has some benefits cost wise it will cost me more than any second hand car will even with a lot of repairs but it is a once in a life time experience and I can afford it so why not.

If I buy the Panda through FIAT will be on a three year PCP plan with a baloon payment but I might see if I can get a standard loan which will mean the car is mine out right.
New car advice - HG gone on my Corsa - Harleyman
Rattle, I've just found a car with your name on it......... ;-)

.... browsing Wikipedia I came across this;

"Lada Kalina....... in Finland it will be marketed as Lada 119, because "kalina" means "rattle" in Finnish.

Back to topic; I assume you mean the Hyundai doesn't have REAR electric windows because it certainly has them in the front. Since you're (I'm guessing) a single man, this shouldn't really be an issue.

Trust me it's as well built as the Panda. And it's much better on the motorway.
New car advice - HG gone on my Corsa - stunorthants26
i10 Classic has elec front windows according to Hyundai which is the same as the Fiat. Hmm.
New car advice - HG gone on my Corsa - Rattle
Indeed it looks like it was a mistake in the brochure. The i10 spec is fine but it is more expensive than the Panda.

I really liked the way the Panda drives with its mini like handeling and road is also cheaper to run. Both cars seem to have their little faults. I think the Panda looks a little neater too as it is styled to be completly different to anything else. The boot is also impressive. On the downside there is no central locking on the drivers door, (e.g you have to lock it from the drivers door) and you can only open the boot from the boot lock.

I could drive the i10 away tomorrow if I wanted. The finance Hyundai have offered is not quite as good either.

My next stage is to see if I can get a loan from the bank of £5k then I am not tied limited to dealers options on finance.

I really like the free reving nature of the little FIAT engine as when I drove my mates it really was quite involving to drive, the exact oposite of a diesel. Driving in city traffic the only pleasure you can get is rev the engine and chucking it round corners. I am not sure how well the I10 will cope with this as I haven't test driven it yet.

Another reason for discounting the Aygo/C1/106 is the boot is too small.

The Skoda Fabia is still an option and will be going down to a Skoda dealer when I get chance to see what they are offering.

I think my heart is set for the Panda on three year finance, then I can either hand it back and get another brand new car or simply keep it. If I get a good one free of 'rattles' then I will probably keep it for a very long time and if I can afford it maybe also buy a weekend car so I don't get bored.

I did look into the Lada, but sadlty they are not sold in the UK and they are probably built like an FSO Polenez.

Edited by Rattle on 15/02/2010 at 00:01

New car advice - HG gone on my Corsa - rtj70
But make sure a newly introduced 0% finance deal isn't better. It may be more to borrow initially but the total paid and indeed monthly could be less.

I think PU mentioned similar deals...
New car advice - HG gone on my Corsa - Rattle
I am not sure if I will qualify due to my self employed status and fairly low income although my credit score is as good as it can possibly get. You are right though, 0% finance mean the over all cost is about the same as I can still get at least £400 for my Corsa even if the head gasket has gone.

I am just a bit scared of applying in case it comes back as a decline, I really need some proper financial advice on the loan. The FIAT one is fairly expensive but the over all cost for a motor car is cheap.

I think Skoda is doing 0% and seen a very others too, it is a tricky time because the scrappage is ending but the car companies will have to come up with something else to get people to buy their cars.

New car advice - HG gone on my Corsa - rtj70
Must admit I hadn't thought of the implications of asking for such a loan and not qualifying. It could harm credit ratings etc.

Edited by rtj70 on 15/02/2010 at 09:40

New car advice - HG gone on my Corsa - Rattle
That is the catch 22 situation. That said my friend still managed to get a Tesco loan (though higher APR than FIAT have offered me)i.

The problem is because my business is so simple the only accounts I have are those filed for Inland Revenue and most banks want proper approved accounts when applying for loans at a decent rate of APR.

I might be best to stick with the deal but find as much money as a deposit as possible to reduce the overall interest I pay.
New car advice - HG gone on my Corsa - Mapmaker
I must say I do not understand why banks do not accept tax returns as evidence. Far more reliable than an accountant's accounts - who ever overstates their income to HMRC...?
New car advice - HG gone on my Corsa - JohnM{P}
Surely there will be a credit check required for the PCP also, so the question is whether someone is more likely to get 2 smaller loans approved than a single one for the same/similar amount? (Sorry, cannot answer that myself...)


New car advice - HG gone on my Corsa - Stuartli
If you don't drive your new car, it will definitely be Rattle free...:-)

Just remembered that when I checked out house and contents insurance on GoCompare.com recently (I find it's the best comparison website), there was a link to checking out loan offers without affecting your credit rating status.

It's near the bottom of the Home page, on the right hand side.
New car advice - HG gone on my Corsa - Rattle
Just an update. Took it to the guy which Ted uses today and he did a sniff test which revealed gases in the coolent tank. By the time I had driven the car home the exhaust looked like a leaking water tap.

There is no do doubt beyond doubt that the head gasket has gone :(

Going down to FIAT tomorrow to finalise as much as I can for the new car :)

I am also going to video it for the guys an another website as there is a lot of people convinced their head gasket has gone because of the smoke but hopefully the video will show the difference between condensation and leaking coolent.
New car advice - HG gone on my Corsa - Pugugly
Post it onto YouTube and link it from here.
New car advice - HG gone on my Corsa - rtj70
Perhaps a reason why the previous exhaust went and I think you said the new one was rusting quickly.

You need a reliable vehicle for work so you need to do something. Before you commit to a car, have you thought of a van. Insurance could be less too (fewer seats).
New car advice - HG gone on my Corsa - Rattle
I haven't checked insurance on a van, but there have been times when I have needed a car. The seats can act as a good cushion too.

Will check insurance though, if it is a lot lower it might be worth considering but I would prefer a car.

And yep it seems very obvious now, my car always had dripped a bit but never really lose any coolent until recently. I am sure I had made threads in the past about the head gasket and people said its just condensation, again maybe I am not as paranoid as even I think I am.

The car is still in the early stages of head gasket failure but the garage seems to think it would fail the MOT on the visible element of the emissions. I had a Fiesta which had worn piston rings a few years back (Rattle) and passed the emisions on paper but failed because it was chucking out blue smoke, STP stop smoke got it through the MOT until it burnt away.

The oddest thing about mine is the steam gets a lot worse as the engine heats up which is an obvious sign of HG failure too I suppose.

I wonder if this is the reason why my car has always pinked a lot too? I never got to the bottom of why it pinked but I worked out a way to avoid it by timing the gear changes exactly at the right time.
New car advice - HG gone on my Corsa - Rattle
I don't want to make a new thread for this so I will keep it all here, but on paper the Hyundai i10 seems better I just cannot ignore it.

HonestJohn also seems to really like both cars and it is the same story in all the reviews. The i10 has a 4 star NCAP rating which I have just found out, so that is also a plus.

If I compared both cars on paper the Hyundai would win, and I need to use my head more when looking at cars but when using the head the Panda's exellent reliability record and cheap servicing costs also wins. I am also a little dubious about the 5 year warranty as it has a lot of exclusions and those such things will be a lot cheaper to fix on the FIAT.

I am going to take the i10 very seriously but I still think my heart is in the Panda but if I prefer how the Hyundai drives then the decision is made. It now comes down to the full test drives of both cars.

I've ruled out the C1/Aygo/107 because they are too pricey and the base models are too basic, but if I wanted something to do high mileage in then this would be my choice purely due to that 3 pot Toyota engine.

New car advice - HG gone on my Corsa - Rattle
Got some pics of the problem now. When you first start the car no signs of any problem

i167.photobucket.com/albums/u141/amazingtrade/P104...g

About a minute or so after ideling water appears at the end of the tailpipe

i167.photobucket.com/albums/u141/amazingtrade/P104...g

Every few miles the oil cap turns into milkshake

i167.photobucket.com/albums/u141/amazingtrade/P104...g

But the oil itself looks ok

[IMG]i167.photobucket.com/albums/u141/amazingtrade/P104...g[/IMG]

Finally the video and I think it is enough to show that I haven't been paranoid and after all those head gaskets threads I have made it was a problem after all.

s167.photobucket.com/albums/u141/amazingtrade/?act...v
New car advice - HG gone on my Corsa - Pugugly
Rattle this thread is getting too long - normally we chop them at 100 - can you start a new thread on your new car purchase ?
New car advice - HG gone on my Corsa - Rattle
OK please close this thread now. The only reason I posted the above was that some people were saying they didn't believe me.
New car advice - HG gone on my Corsa - rtj70
Now read only.
New car advice - HG gone on my Corsa - Pugugly
We believe you Rattle - that's all that matters.
New car advice - HG gone on my Corsa - rtj70
No idea... maybe Dave will know. If never looked at the old swear filter.

Edited by rtj70 on 20/02/2010 at 19:16

 

Value my car