Omega Owners Forum
Chat Area => General Car Chat => Topic started by: T.m.f on 13 June 2018, 22:16:55
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As above does anybody tow a caravan with a 2.0cdti ,are they up to the job?
Asking as swmbo is considering buying 1
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Buy the 4x4 version :y
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She is limited to what she can buy in the price range she has.
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She is limited to what she can buy in the price range she has.
The 4x4 is a rare beast...
That said... There's a 60 plate 2.0 cdti se 4x4 sports tourer on Autotrader for £3,390...manual though, but it's a good starter for 10 :y
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Hell there's even a plod spec vxr for £3,995 :o
Should find summat in budget :y
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It would pull it well enough, I have the 2.0 CDTi in the mum bus. It’s mid range punch is considerable, fully loaded up the bus still pulls 40-80mph easily.
To put into context the 2.0 CDTi has considerably more torque than 3.2 V6 Omega :y
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Depends on the size of the caravan, I towed with one for about 5 years with no problems.
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We got finance sorted out and are getting a 2.0 cdti auto sri 158bhp
Just need to get towbar fitted before august bank holiday.
Caravan is 1250kg max weight,and will be ok for when we upgrade that.
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Oh dear :-\
Check that the finance company are happy re tow bar before you sign... It isn't yours until it's paid for.
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Why not tow with your 4wd? ???
Disco 1/2 IIRC? :-\
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Still tow with the disco,but swmbo will be over 3.5t towing limit,as disco is lifted and roof rack fitted i cant park in carparks with height restrictions.
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Oh dear :-\
Check that the finance company are happy re tow bar before you sign... It isn't yours until it's paid for.
If a borrow money from a bank & I buy a car with it, I consider the car to be mine & I owe the bank £?? ??
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Oh dear :-\
Check that the finance company are happy re tow bar before you sign... It isn't yours until it's paid for.
If a borrow money from a bank & I buy a car with it, I consider the car to be mine & I owe the bank £?? ??
There's an assumption...
And actually more stupid than borrowing against the car. Got both T shirts in XXXL :-[
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Oh dear :-\
Check that the finance company are happy re tow bar before you sign... It isn't yours until it's paid for.
If a borrow money from a bank & I buy a car with it, I consider the car to be mine & I owe the bank £?? ??
There's an assumption...
And actually more stupid than borrowing against the car. Got both T shirts in XXXL :-[
I've never borrowed against a car but have borrowed to buy them. ;)
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I don't learn much, but the last three yerrs have taught me quite bluntly, that if you need to finance something in order to get it, then you are too broke to buy it.
Not having access to credit of any sort only serves to reinforce the point.
The only reasonable exception is to buy a primary residence as that should be done using as large a deposit as possible and no more than a 15 year term. Which should be alot easier if you haven't financed the crap out of everything ;)
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I don't learn much, but the last three yerrs have taught me quite bluntly, that if you need to finance something in order to get it, then you are too broke to buy it.
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I disagree. Every loan I've ever had I've been easily able to afford to pay it back ...... they wouldn't have lent it me if they didn't think they'd get their money back. ;)
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Not having access to credit of any sort only serves to reinforce the point.
......
If I max'ed out both my cards I could muster £20000+ but I wouldn't & each is paid off in full each month.
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Then you either don't need one or you don't have a dedicated, robust just in case fund... ::)
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I don't learn much, but the last three yerrs have taught me quite bluntly, that if you need to finance something in order to get it, then you are too broke to buy it.
.......
I disagree. Every loan I've ever had I've been easily able to afford to pay it back ...... they wouldn't have lent it me if they didn't think they'd get their money back. ;)
Likewise, but it only takes a couple of hiccups and you're a month away from losing your house. ;)
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That's why everyone should have six months salary in their sav...
*checks bank account*
...er, what was I saying again? I'll get my coat.
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That's why everyone should have six months salary in their sav... garage waiting to be bolted together.
Any better?
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That's why everyone should have six months salary in their sav... garage waiting to be bolted together.
Any better?
;D ;D Much more accurate!
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I don't learn much, but the last three yerrs have taught me quite bluntly, that if you need to finance something in order to get it, then you are too broke to buy it.
Not having access to credit of any sort only serves to reinforce the point.
The only reasonable exception is to buy a primary residence as that should be done using as large a deposit as possible and no more than a 15 year term. Which should be alot easier if you haven't financed the crap out of everything ;)
Mortgages were always 25 years when I first had one.
Now, 30 and even 35 year periods of misery and destitution are becoming more popular........and this is after the bank has butt-f*ucked you for a 20% deposit to start with. :)
Having said that buying a house works out far cheaper than renting one.
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One of my nephews has just been offered a long mortgage, I think it was 40yrs :o
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I keep coming across people with interest only mortgages these days.
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I too have had loans, obviously I checked they were affordable before I took them out. That was *MY* responsibility to check they were affordable, not the loan company.
Obviously my first mortgage was 25yrs, and when I moved here, that was 25yrs as well.
And I have credit cards.
They are financial tools available to me, and its up to me to decide how/when/why to use them, and my responsibility to use them safely/responsibly and mitigate any potential problems.
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I keep coming across people with interest only mortgages these days.
My first was one of those supposedly miracle cheap endowments.
I took it out at around 14%ish, so as interest rates came down, as did the endowment growth, but I kept the interest only mortgage payments the same (rather than drop it to get more money in my pocket), so effectively overpaid. That more than made up for the drop in endowment growth.
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I don't learn much, but the last three yerrs have taught me quite bluntly, that if you need to finance something in order to get it, then you are too broke to buy it.
.......
I disagree. Every loan I've ever had I've been easily able to afford to pay it back ...... they wouldn't have lent it me if they didn't think they'd get their money back. ;)
Likewise, but it only takes a couple of hiccups and you're a month away from losing your house. ;)
It'd be some what longer than a month ...... no mortgage helps ;)
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That's why everyone should have six months salary in their sav...
*checks bank account*
...er, what was I saying again? I'll get my coat.
Is that before or after tax? ;)
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Then you either don't need one or you don't have a dedicated, robust just in case fund... ::)
Nobody NEEDS a credit card, but they're handy to keep in your wallet & you're not spending your own money till you pay the bill at the end of the month.
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I keep coming across people with interest only mortgages these days.
I had one in addition to a repayment mortgage. Not good.
Dead money much like renting. :-X
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One major advantage of a credit card that is often overlooked is the protection offered by Section 75 of the Consumer Credit Act 1974, which states that the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.
This effectively means the credit card company has made the purchase, not you as an individual. Very few retailers will take on the credit card companies given the funds they have available, but will try and stitch up an individual..... by using section 75 you simply force the credit card company to take action on your behalf, in the event of any dispute with the supplier.
For this reason I make good use of my credit cards - ALL internet purchases, all "street market" purchases, all mail order purchases, etc etc .. you can see my drift - anything that does not involve a "shop" I can enter and bang a desk. However, much to the annoyance, I expect, of the credit card companies, I pay the card off, in full, every month.
So I never pay interest or fees, and if needed, I have the law, and the credit card company, to back me up in any trade dispute .... it's a very cheap form of insurance IMHO ... :)
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As an apprentice, we had financial advisors give us all a presentation on various money issues. Before they started, one said that if we remember nothing else from the presentation, just remember to only ever get a repayment mortgage ..... which is what I did. :y
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..... and what Nige said :y :y
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As an apprentice, we had financial advisors give us all a presentation on various money issues. Before they started, one said that if we remember nothing else from the presentation, just remember to only ever get a repayment mortgage ..... which is what I did. :y
I've had an endowment mortgage (disaster)
I've had a repayment mortgage (better)
I've had an interest only mortgage (expensive)
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One major advantage of a credit card that is often overlooked is the protection offered by Section 75 of the Consumer Credit Act 1974, which states that the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader.
This effectively means the credit card company has made the purchase, not you as an individual. Very few retailers will take on the credit card companies given the funds they have available, but will try and stitch up an individual..... by using section 75 you simply force the credit card company to take action on your behalf, in the event of any dispute with the supplier.
For this reason I make good use of my credit cards - ALL internet purchases, all "street market" purchases, all mail order purchases, etc etc .. you can see my drift - anything that does not involve a "shop" I can enter and bang a desk. However, much to the annoyance, I expect, of the credit card companies, I pay the card off, in full, every month.
So I never pay interest or fees, and if needed, I have the law, and the credit card company, to back me up in any trade dispute .... it's a very cheap form of insurance IMHO ... :)
^^This!^^
Last year I bought a mobile phone in Vietnam in a Saigon branch of the country's biggest electrical retailer. Think Currys/Dixons. :y
I paid with my credit card 'just in case' as I didn't really believe the salesman's patter of international warranties etc, and after the bloody thing duly bricked itself during it's first Android update, I got a full refund from the credit card company. :y
So I also use my credit card much more these days as an added source of consumer protection. ;)
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Then you either don't need one or you don't have a dedicated, robust just in case fund... ::)
Nobody NEEDS a credit card, but they're handy to keep in your wallet & you're not spending your own money till you pay the bill at the end of the month.
And many offer cashback/vouchers etc, whenever you use it. Granted, might not be much, but to quote Tesco, …
But the key is you absolutely must pay it off in full every month.
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Incidentally, PayPal purchases funded with a credit card are covered by PayPal rather than Section 75...
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
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Yep......credit cards are a great tool so long as as you pay them off in full each month. :y
In the hands of the immature and irresponsible they become a weapon of mass destruction. :-\
I managed to get £369 back on a selection of bamboo plants that were 'not as described' bought on a credit card.
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
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Wtf has this to do with an Insignia as a tow car ::)
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Wtf has this to do with an Insignia as a tow car ::)
Maybe he'll buy his Insignia with a CC! :P ;D
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
8 thousand? ???
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
8 thousand? ???
....Yes. But not every month, Mr Beanz. :y
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
8 thousand? ???
Its surprising how the Waitrose bill mounts up you know ::)
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
8 thousand? ???
Its surprising how the Waitrose bill mounts up you know ::)
Lidl and Aldi is closer to the truth. :)
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Got car yesterday,and were very impressed with it,gearbox is smooth and responsive and acceleration is pretty good,we did buy it on finance,mainly if anything seriously went wrong we can let finance company sort it out. Also its well with in our budget each month.
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Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...
And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.
Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.
*IF* you are able to ensure always paid off, its a useful tool. But I never buy anything on the CC unless I have the money in my current account to cover it.
It does mount up and it is easy to put more on plastic than you can remember.
Last month I had CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy. ::)
8 thousand? ???
A mere drop in the ocean for the Lincolnshire Lord :)