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Author Topic: Sick financing  (Read 1737 times)

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Omegafantasy

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Sick financing
« on: 06 July 2010, 02:43:55 »

I just have to vent some frustrations somewhere and this might be the best place as it's a miggy forum :)

I saw a car for sale tonight, a 2000 sedan 3.0 with 72k miles on it. Nice car with pretty much what I want of accessories, AND the right colour (black). It's listed for about £14k, in other words dead cheap!

Opened up the website for our typical financing services, and they will only give you a loan if the car is less than 13 years when fully paid for. That gives me three years to finish it off? :o Eeek!

I wonder; what kind of car do they expect us to drive? They stopped making real cars in 2003 and a 2003 Omega with a V6 is unheard of. I haven't seen one single 3.2 advertised or on the road, just a couple of 2.6's from around 2001.
Ok, I can get a 2008 Vectra 1.9CDTi for £24k, but that won't replace an Omega!
If I head over to "the enemy", I can get a 2008 BMW 523 for £53k.. At least it's RWD  :)

I just wonder, what on earth is wrong with this country? I get sick when I see UK prices, makes me want to move  :'(
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Mr Skrunts

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Re: Sick financing
« Reply #1 on: 06 July 2010, 03:12:58 »

£14K for a 2000 miggy no matter where in the world you live that is a shocking price.  We complain at a 17K mile 2003 for £8000 here in the UK.

Maybe you ought to be saving up and paying cash for a suitable car from another country, cost all your travvel, tax and import duties and I think you could have a nice fly, drive home in a newish car style holiday.

Are you Left hand drive in Norway?
« Last Edit: 06 July 2010, 03:13:10 by skruntie »
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Re: Sick financing
« Reply #2 on: 06 July 2010, 07:24:12 »

That'll be 14000 Norwegian Kroner, Skruntie ;)
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Mr Skrunts

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Re: Sick financing
« Reply #3 on: 06 July 2010, 08:39:10 »

Quote
That'll be 14000 Norwegian Kroner, Skruntie ;)


Thats a good point but he put £ so thats what I went with.

Approx same value as us then.  (and I was falling asleep when posting - should have done the conversion last night)

14,000.00 NOK       =       1,435.00 GBP  :y
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Omegafantasy

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Re: Sick financing
« Reply #4 on: 06 July 2010, 09:38:50 »

Quote
Quote
That'll be 14000 Norwegian Kroner, Skruntie ;)


Thats a good point but he put £ so thats what I went with.

Approx same value as us then.  (and I was falling asleep when posting - should have done the conversion last night)

14,000.00 NOK       =       1,435.00 GBP  :y

Well, I already did the conversion, hence the Pound sign ;)
1GBP = roughly 10NOK at the moment (actually 9.739 as of today). The car was listed for almost 140000 good ol' Norwegian poker chips.

So yeah, Skruntie, I've been thinking about importing one. You can find them in good condition and at a great price in Germany. An English car would cause trouble as you're RHD while we are still driving at the correct other side of the road ;)
Example: 2003 Omega 3.2 Executive, http://suchen.mobile.de/fahrzeuge/showDetails.html?id=75397236&pageNumber=1.
Price: €5000, in NOK: 40295, lets round this off to NOK 40000. This is a bargain for me, but as the miggy is heavy and have a "way too large engine" I'm taxed to death when I import it.
A quick breakdown of the import/registration taxes (converted to GBP for easy comparison):

Weight: £11518
Engine power: £15256
Engine displacement: £20692
Age deterioration: - £26107
Scrap price: £133
VAT (only car): £1027
Total taxes: £22519

These taxes are unavoidable if I'm putting license plates on the vehicle. Import for parts only would only set me back a tiny bit for VAT. Seeing these enormous numbers, it's better to buy the car in Norway - if you find any  :(
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1995 Omega 2.6 V6 Estate ("fresh" engine) Drives like a 2-litre. Grr! Gettin' dusted by a 1.8 auto Cav..
1991 Omega 3000-24v (major rust job)
(Interested in buying Vauxhall emblems/grille for my V6)

Dishevelled Den

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Re: Sick financing
« Reply #5 on: 06 July 2010, 09:50:44 »

Quote
Quote
Quote
That'll be 14000 Norwegian Kroner, Skruntie ;)


Thats a good point but he put £ so thats what I went with.

Approx same value as us then.  (and I was falling asleep when posting - should have done the conversion last night)

14,000.00 NOK       =       1,435.00 GBP  :y

Well, I already did the conversion, hence the Pound sign ;)
1GBP = roughly 10NOK at the moment (actually 9.739 as of today). The car was listed for almost 140000 good ol' Norwegian poker chips.

So yeah, Skruntie, I've been thinking about importing one. You can find them in good condition and at a great price in Germany. An English car would cause trouble as you're RHD while we are still driving at the correct other side of the road ;)
Example: 2003 Omega 3.2 Executive, http://suchen.mobile.de/fahrzeuge/showDetails.html?id=75397236&pageNumber=1.
Price: €5000, in NOK: 40295, lets round this off to NOK 40000. This is a bargain for me, but as the miggy is heavy and have a "way too large engine" I'm taxed to death when I import it.
A quick breakdown of the import/registration taxes (converted to GBP for easy comparison):

Weight: £11518
Engine power: £15256
Engine displacement: £20692
Age deterioration: - £26107
Scrap price: £133
VAT (only car): £1027
Total taxes: £22519

These taxes are unavoidable if I'm putting license plates on the vehicle. Import for parts only would only set me back a tiny bit for VAT. Seeing these enormous numbers, it's better to buy the car in Norway - if you find any  :(



This puts all the complaining we do over car taxes here into perspective :o :(.

Still, Norway must have something to recommend it - other than stunning scenery and beautiful women. :-* :-* :y
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Omegafantasy

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Re: Sick financing
« Reply #6 on: 28 July 2010, 09:18:59 »

Just to add a bit here, I found a gorgeous car here in Norway.. No idea how I can afford it, but I will see what I can do.

http://www.finn.no/finn/car/used/object?finnkode=23429282 Note: Norwegian site and language, but you can still see the pictures.
Assuming 10 NOK = 1 GBP, this car costs £15.500

Now where's my lottery ticket?  ;D
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1995 Omega 2.6 V6 Estate ("fresh" engine) Drives like a 2-litre. Grr! Gettin' dusted by a 1.8 auto Cav..
1991 Omega 3000-24v (major rust job)
(Interested in buying Vauxhall emblems/grille for my V6)

Sixstring

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Re: Sick financing
« Reply #7 on: 28 July 2010, 09:26:21 »

Did I see right???

FIFTEEN THOUSAND FIVE HUNDRED POUNDS for a miggy???

Sell you mine for ten grand, saving you a packet........... ;D


You poor bugger! even having some of the most stunning scenery and the most beautiful women in the world doesn't make up for the taxes and cost of living you have to put up with.
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Re: Sick financing
« Reply #8 on: 28 July 2010, 09:27:16 »

Quote
Just to add a bit here, I found a gorgeous car here in Norway.. No idea how I can afford it, but I will see what I can do.

http://www.finn.no/finn/car/used/object?finnkode=23429282 Note: Norwegian site and language, but you can still see the pictures.
Assuming 10 NOK = 1 GBP, this car costs £15.500

Now where's my lottery ticket?  ;D

Aside from the colour (mine's Moonstone grey), that car is exactly the same as mine, including the black leather interior. Mine's done 31k miles from new and I would be lucky to get £4k for it here in the UK!

...but I'm not selling!  ;)
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Marks DTM Calib

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Re: Sick financing
« Reply #9 on: 28 July 2010, 09:34:32 »

Norway is MEGA expensive.

Many a trip for me over to Asker on business!
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Varche

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Re: Sick financing
« Reply #10 on: 28 July 2010, 09:44:52 »

Hi

Only a suggestion but why not take a driving holiday to Britain.?Stunning scenery, stunning women and stunning beer.

While you are there pay a visit to one of our experts and have a different engine (3.0 litre) put into your Omega.

You would have a better car, a holiday and change out of 40,000 ! ;D ;D ;D ;D
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Dishevelled Den

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Re: Sick financing
« Reply #11 on: 28 July 2010, 10:15:18 »

Here's Uncle Zulu in epsilon mode again ;D - but why are things so expensive there, the standad of living must be very high indeed to justify those prices?

The colour suits the car very well - I don't recall seeing a similar number of photographs used to support a car sale - although none of the engine strangely enough.
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Sixstring

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Re: Sick financing
« Reply #12 on: 28 July 2010, 10:26:37 »

Quote
Hi

Only a suggestion but why not take a driving holiday to Britain.?Stunning scenery, stunning women and stunning beer.

While you are there pay a visit to one of our experts and have a different engine (3.0 litre) put into your Omega.

You would have a better car, a holiday and change out of 40,000 ! ;D ;D ;D ;D


Where in Britain, exactly are you proposing he takes a holiday???
Some places have one of those things, where has ALL of them?  (need somewhere for a holiday myself.....) ;D ;D ;D
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Shrek

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Re: Sick financing
« Reply #13 on: 28 July 2010, 10:55:59 »

Im doing the Norwegian cruise in about 6 weeks ... going round the fjords and 5 or 6 stops for a day here and there ..been saving up for lots of Norwegian monies because i heard its really expensive  :o :o   ... at least the food and drink on the boat is all free   ;D :y :y
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Omegafantasy

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Re: Sick financing
« Reply #14 on: 28 July 2010, 11:05:43 »

Well thanks for the tips hehe.. Although, bringing a car from UK to Norway wouldn't make things better really. First: You are sitting at the wrong side of the car. Second: Taxes would add up so much that the car would be a lot cheaper to buy in Norway anyway (read earlier posts).

Moving to England could be a choice of course, I just have to brush up my poor English and acquire some suitable accent  ;)
Don't know what I should do for a living though.

About Norway: Standards here are pretty much like UK I think. Our income might be a tad higher, but costs are silly. Around 36% income tax, 25% VAT and a whole lot of different taxes on everything you can think of. I think Mark can confirm all of this  :)

A holiday in England would be nice though. Haven't been there since 1990  :(
A nice trip around Europe in a car and several ferrys. I remember being in Harwich, Colchester, London, Hindhead (lovely forest around here) and Portsmouth before swimming over the pool to France.

Varche: Don't know if I'll put yet another engine in the miggy. I've had two 2.5's and now a 2.6 (although I bought the car with blown engine). If I change engine one more time it would be a straight six in it. A slightly aggressive C30SE is just waiting in my Carlton ;)
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1995 Omega 2.6 V6 Estate ("fresh" engine) Drives like a 2-litre. Grr! Gettin' dusted by a 1.8 auto Cav..
1991 Omega 3000-24v (major rust job)
(Interested in buying Vauxhall emblems/grille for my V6)
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