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Chat Area => General Car Chat => Topic started by: Field Marshal Dr. Opti on 05 September 2016, 12:33:54

Title: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 05 September 2016, 12:33:54
"Would you like 0% finance on your Jaguar, Sir"

"Is there a catch?"

"Absolutely none"

"Email me the details"

But there was a catch.

Added without my consent to the invoice was.


Asset protection cover £349.
Autoglym Lifetime......£499.
Complete wheel cover £699.
Minor damage cover...£499.

 TOTAL....................£2046.

Needless to say when I asked them to remove this unnecessary crap 0% finance became 7.9%.

It seems that car dealers just can't stop themselves from being devious. :-\

Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: biggriffin on 05 September 2016, 13:26:59
"Would you like 0% finance on your Jaguar, Sir"

"Is there a catch?"

"Absolutely none"

"Email me the details"

But there was a catch.

Added without my consent to the invoice was.


Asset protection cover £349.
Autoglym Lifetime......£499.
Complete wheel cover £699.
Minor damage cover...£499.

 TOTAL....................£2046.

Needless to say when I asked them to remove this unnecessary crap 0% finance became 7.9%.

It seems that car dealers just can't stop themselves from being devious. :-\

So are telling us sir, you have bought the new chariot on the knock, and not paid hard cash,
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: YZ250 on 05 September 2016, 13:29:45
................................
It seems that car dealers just can't stop themselves from being devious. :-\

Honest mistake Guvnor.  ::) ;D
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 05 September 2016, 13:55:10
"Would you like 0% finance on your Jaguar, Sir"

"Is there a catch?"

"Absolutely none"

"Email me the details"

But there was a catch.

Added without my consent to the invoice was.


Asset protection cover £349.
Autoglym Lifetime......£499.
Complete wheel cover £699.
Minor damage cover...£499.

 TOTAL....................£2046.

Needless to say when I asked them to remove this unnecessary crap 0% finance became 7.9%.

It seems that car dealers just can't stop themselves from being devious. :-\

So are telling us sir, you have bought the new chariot on the knock, and not paid hard cash,

If genuine interest free finance had been available I would have used it. It wasn't, so I used cash from down the back of the sofa. :)
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: aaronjb on 05 September 2016, 14:19:34
I was offered all the same things on the Skoda including 'Tyre insurance' ..

They were all considerably cheaper, mind, but I guess that's the Jaguar premium!
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 05 September 2016, 15:10:33
I was offered all the same things on the Skoda including 'Tyre insurance' ..

They were all considerably cheaper, mind, but I guess that's the Jaguar premium!

Your car is not a proper Skoda. :)

A proper Skoda has the engine at the rear and breaks down on a regular basis. A proper Skoda is made by Czechoslovakian communists. ;)

Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: aaronjb on 05 September 2016, 16:01:52
 ;D I'm even old enough to remember those (just).. If I remember right a teacher at school had one, either that or it was a Lada..
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 05 September 2016, 17:31:14
;D I'm even old enough to remember those (just).. If I remember right a teacher at school had one, either that or it was a Lada..

Lada......FSO...... Polski Fiat....... Wartburg (2 stroke, I think) None of these will get you much action with the opposite sex.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Sir Tigger KC on 05 September 2016, 17:59:24
My Old Man had a Moskvitch which was built like a T34 tank!  Probably came out of the same factory in fact!  ;D

Something like this! (http://uniquecarsandparts.com/images/lost_marques/Moskvich/Moskvich_L1.jpg)  :y
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 05 September 2016, 18:32:24
My Old Man had a Moskvitch which was built like a T34 tank!  Probably came out of the same factory in fact!  ;D

Something like this! (http://uniquecarsandparts.com/images/lost_marques/Moskvich/Moskvich_L1.jpg)  :y

I well Remember the Moskvitch 412 from the seventies. At the time I lusted after a Maserati Bora. :y
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: 2boxerdogs on 05 September 2016, 18:53:51
Hope you asked for plenty off screen price, cash is king if they don't play ball walk away always worked for me .👌
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Andy B on 05 September 2016, 19:02:45
Hope you asked for plenty off screen price, cash is king if they don't play ball walk away always worked for me .👌

Is it?  Many dealers make more money via their finance deals
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Sir Tigger KC on 05 September 2016, 20:07:19
Hope you asked for plenty off screen price, cash is king  if they don't play ball walk away always worked for me .👌

Is it?  Many dealers make more money via their finance deals

Yep, in another life I sold Static Caravans for a living and I'll never forget one chap who was buying a top end model for about £30,000 and on finance as well.  My commission would have been £200 for the Van and nearly £2000 for the finance.  :)

While we were waiting for approval from the finance company, I could see the cogs turning in his head and started to sweat.  Sure enough as the fax machine started to spit out the approval note for his finance, he turned to me and said that he'd pay cash and I saw £2000 fly out the window....  :(

Never really held it against him really as the APR was about 16%!!  :o  ::)
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: 2boxerdogs on 05 September 2016, 20:18:39
Finance is for fools, as my old gran used to say.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: ronnyd on 05 September 2016, 21:12:54
Finance is for fools, as my old gran used to say.
Or the skint. :P
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Mister Rog on 05 September 2016, 22:02:45

Some years ago (lots of years ago!) I bought a brand spanking new Volvo. After agreeing the purchase I turned up in the showroom with my chequebook (Remember them ?) The sales guy somehow pursuaded me to take out some kind of finance deal. Ended up paying for ages instead of getting it all done and dusted. Never did it again, and now more than ever, if I don't have the cash I don't buy it. A car is simply not that important. Well, not to me.

Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Andy B on 05 September 2016, 22:10:08
Finance is for fools, as my old gran used to say.

Depends whether you have the ability/means to pay it back
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: tigers_gonads on 05 September 2016, 22:16:53
Shitreon did the same to my old man a couple of years ago  >:(

Standard dealer rip off ploy to shaft yeh arse sadly  >:(
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: 2boxerdogs on 05 September 2016, 22:27:02

Some years ago (lots of years ago!) I bought a brand spanking new Volvo. After agreeing the purchase I turned up in the showroom with my chequebook (Remember them ?) The sales guy somehow pursuaded me to take out some kind of finance deal. Ended up paying for ages instead of getting it all done and dusted. Never did it again, and now more than ever, if I don't have the cash I don't buy it. A car is simply not that important. Well, not to me.
.       




Exactly , live within your means why get ripped off?  I would not want to put one penny extra into some slimy sales persons pocket screen price less 20% is where I always start, no lump of metal is worth getting into debt for.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 06 September 2016, 12:08:57
Hope you asked for plenty off screen price, cash is king if they don't play ball walk away always worked for me .👌

This certainly used to be the case.........and with a private sale still is.

They wanted everything on a nice fat (for them) finance package.

The screen price  dropped by £5000 a few days before the September 1st '66 plate' arrived.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: BazaJT on 06 September 2016, 20:51:56
Yes indeed Wartburg was a three cylinder two stroke with a separate coil and plug lead for each cylinder.Could embarrass quite a few more "powerful"cars off the line but was soon dead in the water!At least that's how I recall my Knight being.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: Field Marshal Dr. Opti on 08 September 2016, 11:35:10
Yes indeed Wartburg was a three cylinder two stroke with a separate coil and plug lead for each cylinder.Could embarrass quite a few more "powerful"cars off the line but was soon dead in the water!At least that's how I recall my Knight being.


Manufactured in the former East Germany (GDR), I think.
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: STEMO on 08 September 2016, 15:24:27
Yes indeed Wartburg was a three cylinder two stroke with a separate coil and plug lead for each cylinder.Could embarrass quite a few more "powerful"cars off the line but was soon dead in the water!At least that's how I recall my Knight being.


Manufactured in the former East Germany (GDR), I think.
Along with the Trabant. Now that was a car everyone should learn to drive in. ;D
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: johnnydog on 09 September 2016, 17:07:43
I'm a Zastava man myself.... ;D
When my wife wanted a new Honda CRV, it was on 0% finance. Why not, we thought? But when you checked the list price of the same car 12 months before, it was about £3000 cheaper. There's very little in this world 'for free', as people like to say, but being grammatically correct should it not be just 'free' or 'for nothing'?
Title: Re: When is 0% finance over 2 years not 0% finance over 2 years?
Post by: TD on 09 September 2016, 19:21:05
Theres no such thing as a 'free lunch'  ;)