Heads Up - Crouch (Fraserhart) 0% for 4 years
Discussion
Guys,
Just in case anyone is looking for extended 0% finance the guys in the local Crouch Jewellers (Fraserhart Group) mentioned from Monday they'll be extending the 0% interest free credit to 4 years from Monday. Not sure if Longines, Rado or Oris are peoples choices but certainly makes it attractive for people who hate to pay out loads of cash in one hit (like me!). Shame they dont do Omega, Rolex..etc..
Just in case anyone is looking for extended 0% finance the guys in the local Crouch Jewellers (Fraserhart Group) mentioned from Monday they'll be extending the 0% interest free credit to 4 years from Monday. Not sure if Longines, Rado or Oris are peoples choices but certainly makes it attractive for people who hate to pay out loads of cash in one hit (like me!). Shame they dont do Omega, Rolex..etc..
Can't afford a watch? Not at all, I just hate paying someone a massive amount of money outright but giving someone £30 a month is easy via direct debit, expecially at 0% interest!
Hello is that Crouch? Great, I'll have a Oris titan small hand in blue, one in black/orange and you might as well throw in a nice Longines dress watch, £80 a month all in? ...great.....
Hello is that Crouch? Great, I'll have a Oris titan small hand in blue, one in black/orange and you might as well throw in a nice Longines dress watch, £80 a month all in? ...great.....disco1 said:
Can't afford a watch? Not at all, I just hate paying someone a massive amount of money outright but giving someone £30 a month is easy via direct debit, expecially at 0% interest!
Hello is that Crouch? Great, I'll have a Oris titan small hand in blue, one in black/orange and you might as well throw in a nice Longines dress watch, £80 a month all in? ...great.....
So your happy to pay over the odds for watches that will probably be worth less than the outstanding balance at any time in the agreement, are you certain that you can pay out £80 per month in three plus years if your out of work. I'm all for spending it while I have it, but would never spend what I don't have, But that's me. Hello is that Crouch? Great, I'll have a Oris titan small hand in blue, one in black/orange and you might as well throw in a nice Longines dress watch, £80 a month all in? ...great.....A little off topic, but... I bought a new bed last year. It was about £1,500 IIRC. I went out with the intention of paying for it there and then, but they'd only throw in the duvet, pillows, etc if I had it on interest free credit.
I just popped the money in a savings account and set up the DD. So... I got free goods, interest on the 'savings' and three years to pay. Obviously, in the unlikely event things go tits up I still have the money in the savings account to pay it off if required.
I just popped the money in a savings account and set up the DD. So... I got free goods, interest on the 'savings' and three years to pay. Obviously, in the unlikely event things go tits up I still have the money in the savings account to pay it off if required.
It may be me being a bit dim but 0% is 0%!!! As good as an outright cash sale
Apart from maybe getting a few % discount off the list price what advantage is there in buying a watch outright????????? you'll lose just as much as me but I can put my monthly wages elsewhere such as having a good time/holidays! I've no plans to sell the watches so in the long run it makes naff all difference to me
In reality it would be a single watch like the Oris (if I ever make my mind up), that £23 a month, hardly stuff to worry about is it?
(edited because I thought up more guff)
Apart from maybe getting a few % discount off the list price what advantage is there in buying a watch outright????????? you'll lose just as much as me but I can put my monthly wages elsewhere such as having a good time/holidays! I've no plans to sell the watches so in the long run it makes naff all difference to me
In reality it would be a single watch like the Oris (if I ever make my mind up), that £23 a month, hardly stuff to worry about is it?
(edited because I thought up more guff)
Edited by disco1 on Thursday 28th October 16:43
Adrian W said:
So your happy to pay over the odds for watches that will probably be worth less than the outstanding balance at any time in the agreement
No different to buying a watch off the high street. Let's say I spent £2300 on a Speedmaster Professional, it sure as hell wouldn't be worth that if I sold it immediately after. LukeBird said:
Adrian W said:
So your happy to pay over the odds for watches that will probably be worth less than the outstanding balance at any time in the agreement
No different to buying a watch off the high street. Let's say I spent £2300 on a Speedmaster Professional, it sure as hell wouldn't be worth that if I sold it immediately after. Have you seen the PO on TZ dropped £600 in less than a month...Ouch
disco1 said:
Guys,
Just in case anyone is looking for extended 0% finance the guys in the local Crouch Jewellers (Fraserhart Group) mentioned from Monday they'll be extending the 0% interest free credit to 4 years from Monday. Not sure if Longines, Rado or Oris are peoples choices but certainly makes it attractive for people who hate to pay out loads of cash in one hit (like me!). Shame they dont do Omega, Rolex..etc..
0% over 4 years would make an AP ROO affordable.... Just in case anyone is looking for extended 0% finance the guys in the local Crouch Jewellers (Fraserhart Group) mentioned from Monday they'll be extending the 0% interest free credit to 4 years from Monday. Not sure if Longines, Rado or Oris are peoples choices but certainly makes it attractive for people who hate to pay out loads of cash in one hit (like me!). Shame they dont do Omega, Rolex..etc..
Adrian W said:
In fairness I doubt I will ever buy a watch off of the high street again
I would, but I would be careful where I bought from and I would probably haggle hard! 
There aren't that many things I want to buy new (I know there are some decent 2nd hand shops about, but none near me!) so the high street is largely out for me anyway!
Adrian W said:
Have you seen the PO on TZ dropped £600 in less than a month...Ouch
Ouch indeed!Anyway, back to the point in hand.
If a watch were unavailable at a discount (or if there was, a very small one) then I would consider using 0%. If I could achieve a hefty discount by buying in cash then that would probably be the direction I would go.
[quote]
Anyway, back to the point in hand.
If a watch were unavailable at a discount (or if there was, a very small one) then I would consider using 0%. If I could achieve a hefty discount by buying in cash then that would probably be the direction I would go.
[/quote]
My thoughts exactly.
Anyway, back to the point in hand.
If a watch were unavailable at a discount (or if there was, a very small one) then I would consider using 0%. If I could achieve a hefty discount by buying in cash then that would probably be the direction I would go.
[/quote]
My thoughts exactly.
I know it's sofa's but the same principles apply, a few years ago I went into DFS (I know and in the end I saw the light and didn't buy one) anyway I wanted to buy outright but expected a discount for doing so, they wouldn't, plain and simple, no debate no negotiation just no, it went to a man on the phone level, (they claimed it was "regional sales director" but i doubt that very much) but it was a straight no, wouldn't even throw in any extras. They claim they have been given a right kicking by the warriors of consumer rights because they did used to discount for cash buyers, the reason being that by discounting it shows their 0% to be not really 0% just an inflated sale price with the interest built in, so now days they'd rather lose cash sales than risk being stopped from offering dubious 0% deals. It appears that anyone who does offer 0% is not allowed to discount (or if they do they have to allow you to still have 0% interest) so in reality the best solution is to go in negotiate hard as a cash buyer and then say alright I've changed my mind and want 0% is they say no then they would be on very sticky ground.
The anti-finance stance on PH (because I'm sure none of them have company cars/cars on finance/mortgages) is becoming ridiculous.
It's 0% FFS.
So, you could either save up to 'afford' it or pay for it monthly. If you choose to do so, it won't cost you any more? So why would you wait??
Anyway, good luck to anyone who goes for it, cheaper than most mobile phone contracts and you at least get something of value at the end of the deal.
It's 0% FFS.
So, you could either save up to 'afford' it or pay for it monthly. If you choose to do so, it won't cost you any more? So why would you wait??
Anyway, good luck to anyone who goes for it, cheaper than most mobile phone contracts and you at least get something of value at the end of the deal.
al1991 said:
The anti-finance stance on PH (because I'm sure none of them have company cars/cars on finance/mortgages) is becoming ridiculous.
The problem is that with fine straight thinking people of PH taking the 0% and making the banked money work for you is fine.However, with some people, let's call them 'The General Public' for want of a better term what actually occurs is they say they'll make the money work, then 5 minutes later get distracted but something shiny and spend that too. Fast forward a year or so...you get the picture.
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