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• Main dealer APR ?? 6 Jul 2008 (Forum)
  It's very modern , spacious and filled with scurrying suits . I always look at their stock, and have noticed all their cars carry finance quotes at 14.7%.. this has been the same rate since at least last year. Are they real ? Their customers, I'd have thought , are either cash buyers or savvy hard working self - made types who know the cost and value of money to the extent they know 14.7% is a right royal rip - off .
• SEAT Ibiza II (1993 - 1999) - Ibiza GTi Cupra Sport - things to look for?? 26 Apr 2008 (Forum)
  It's a T '99, 75000 miles, it'll need a service but as I'll probably only use it until the next MOT is nearly up and then flog it against something new on finance, financially it makes sense. Part of the appeal of course is having what is effectively a 2.0 litre Polo ;) If I go for it, can anyone please give me buying tips or things to look for? Doesn't seem to be a lot about it in the car by car review on here.
• how difficult is it to buy a new car !!! 19 Jun 2007 (Forum)
  1 dealer I went to offered at least 1000 more in PX without any pushing & could offer the exact model spec & colour I wanted & deliver in 2-4 weeks. 3 out of 4 didn't even know that the manufacture offered a 50/50 purchase deal that saved a fortune over there normal finance & they didn't even know it exsisted. I don't ever want to hear a salesman winge again I don't sympathise
• HJ Mini tests 19 May 2007 (Forum)
  I totted up the cost of options & the whole package seemed more an exercise in 'options trading' (just like 'finance deals' are the real money-spinner for some main dealers) - the base car is made to look almost unattractive, but the options list soon makes the car look overpriced, imho,when compared to the alternatives.
• Log Book Loans 8 Aug 2006 (Forum)
  However, I heard one on the radio this morning about "Log Book Loans". Apparantly, if you have a car without finance, you give them the log book, they lend you 40% of the value of the car, and you keep the car to drive around in. And they emphasised "no credit checks". Presumably they take the car if you don't pay.
• Smart move? 30 May 2006 (Forum)
  Attracted by the finance offer (£99 down, £99 a month for 3 years) as a PCP on the Smart "Purestyle" base model. Went to Lincoln yesterday and they had one left : Black frame, white panels (Looks like it needs a low profile red roof light bar a crest on each door and "Protect and serve" below!)
• There is always a gullible car buyer.. 9 Mar 2006 (Forum)
  It was a clean car with only 33k miles and full history.however we only paid £1800 and I sold it for £3995 financed over 4 years with an extended warranty,a service plan and our own insurance,so i should make around £x for the deal,it wasnt difficult, I just hung around the guy and chatted ,i told him i previously worked for x and his cousin works there as well and a wee connection was made.
• Calculations correct? 30 Nov 2004 (Forum)
  Cash option Income 1 Cash total £6750 p.a. gross = £3982pa (less 41% tax) 2 Add saving from no P11D eg £111 per month (BMW 320d)= £1332pa 3 At 30000 miles p.a (10,000 business) tax allowances £4,000pa Total = £9314 or £776 per month Expenditure 1 £20,000 financed over 5 years = 4668pa 2 Depreciation pa. aprox 20% (not scientific) £4,000 3 Servicing etc £800pa (estimate) 4 Insurance £400 5 Tax £160(?) Total = £10028 or £835 per month Car option 1 Choice of sensible motor either new or up to 1 year old £22,000 purchase price 2 0.22p per mile, no tax, insurance etc to worry about 3 Tax liability £111 per month (@40%) Are these figures correct and is this a no brainer car option?
• The bus: your opinions please? 16 Sep 2004 (Forum)
  Anyway, if any of you have read my profile you will see that I have recently given up my (sorry if this sounds smug) quite high-powered, well paid job in finance to be a bus driver. Am I as mad as a penguin? I don't think so as my stress levels have plummeted. Sadly so has my income, but I think that it's a small price to pay. Anyway, I'm waffling. As a newcomer to the world of public transport I'd be intrigued to know the view that you all hold on the bus as a mode of transport.
• MOT certificate mislaid - problem? 8 Sep 2004 (Forum)
  And the local Vehicle Inspectorate tell me they can't issue a duplicate, because they have no records. So, must I face the prospect of financing a new MOT test? Oz (as was)
• keeper/owner 24 Mar 2004 (Forum)
  A post by Volvoman yesterday made me wonder: As the DVLA website states, the V5 shows only the registered keeper of the vehicle, and that person is not necessarily the vehicle?s legal owner. If a car is bought new from a dealer, and paid for outright, without finance, then there will be a bill of sale, which is probably reasonable proof of ownership. But if a car is bought privately from say its third registered keeper, how do I know that he is not selling it from under the nose of its legal owner?
• Still dreaming of Florida... 24 Aug 2003 (Forum)
  Car Prices - So very much lower, undercutting the UK by about 20 - 30 % across the range. Also lots of finance deals offering 0% APR over many years and 10 year 100k man. warranty. 3. It cost me the equivalent of £12 to fill the tank of a 3.5 Litre Pontiac which was the hire car. These big yank-tanks still onlt come with 4 speed autos on the whole and the cheapest, tackiest interior trim.
• new zafira? 9 Jul 2003 (Forum)
  However, because the zafira holds it's value so well and I've sourced a UK one at 20% (£3,100) off list price and I can finance it at 5% apr, the numbers are starting to look quite attractive. Any comments or favoured alternatives gratefully received.
• 
  What will happen to new and used car prices after the pandemic? 15 Apr 2020 (Ask HJ)
  You gave an opinion to a question about whether or not, after the pandemic, there would be some bargains on new cars. You said no. I think that after this...
• Audi RS4 - Faulty RS4 out of 9 months in the garage for 4 31 Jul 2010 (Forum)
  Mid-June 2010, the new Gearbox sump plug had been left off… and the new gearbox   whined itself to an early end as well as the engine still sounding and running rough, in addition to various niggles (parking sensors, aircon problems). 6 weeks encounting, bad customer service, slow action by the Finance company (Audi VW Finance) and I’m still struggling to get my issue resolved. The first gearbox was done under warranty, and the second, I am not sure, but Audi Doncaster are covering the costs, because it appears to be their maintenance error (I picked it up, the morning after England’s first world cup match!)
• Modern car dealerships staffing 16 Mar 2023 (Forum)
  So far I’ve worked out there are 5 sales staff, 1 senior sales staff, 2 people working the servicing and repairs department, 1 finance manager, 1 receptionist, 4 other people who I’m not sure what they do, 1 chap who seems to be the full time valet and cleaner, plus all the technicians, mechanics, etc in the back. And yet there are no customers, only me in the waiting are.
• Haggling? 21 Dec 2017 (Forum)
  But i have noticed that a commercial vehicle dealer not too far away in Aberdeen has a few possibilities and i plan to go for a look tomorrow. Due to current finances the budget is going to have to be limited to around £6k + vat. Now haggling a deal is something i have virtually no experience with, and am fairly sure, due to my nature, i'd be rubbish at anyway!.
• Mazda 2 - Upgrading my car (first time) 4 Apr 2016 (Forum)
  to a smaller car and leaning towards a Mazda 2. I don't have the money to buy one outright so I'm going to get a loan or possibility finance depending on which works out better (and might pay a bit on a credit card) but I was thinking it's better to buy the car and then sell mine privately rather than trade it in to a dealer and probably get about half the price?
• Ford Fiesta - Please advice 2 Sep 2015 (Forum)
  I don't know the other 3 owners they have appeared on the HPY check.Please help with advise how is the best way to check if this car is on finance or not.The dealer cam in front whit a gold spoiled story... The last owner is to old to drive.. The last problem is the car came with only one key( remote control  not valet) I has been trying to contact DVLA but no ansver on the official site number.Please help...
• Need money payday loans 21 Sep 2014 (Forum)
  But in these days you have to stop bother about your lower credit score , for this no more able to stop that you take advantage a few home finance loan . You will find Perfect Bad Credit Short Term Loans provided immediately that you can avail the funds in spite of with bad credit easily without requiring problem.    (Edit - link deleted.