Modifying a car on PCP

[daemon]

I would say John Lennon was on PCP when he modified this...

[feef]

...that's pretty much what I came here to say.

[Trailhead]

Ali_T said:

If it's ever found out, you may find they call in all the rest of the deal that remains outstanding and give you 14-28 days to pay! You'd be better to wait until the end of the deal for safety's sake.

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

[SteveS Cup]

You can do what you like with it. That's the difference between PCP and Lease. On PCP you're buying it rather than hiring it.

[SteveS Cup]

I asked Mini about it when I was looking at a JCW Hatch (specifically coilovers) and there answer was yes, but said "why would you do that?"... Low and behold the GP is released on adjustable coilovers! Lol.

[Chisbo]

Does it make sense for me to speak to fords (yes it's a fiesta) and ask them? Or should I ask the finance company?

[Axionknight]

Chisbo said:

Does it make sense for me to speak to fords (yes it's a fiesta) and ask them? Or should I ask the finance company?

Is it the 1600 turbo ST? Mountune do warranty friendly packages available through certain Ford dealers.

[Chisbo]

Axionknight said:

Chisbo said:

Does it make sense for me to speak to fords (yes it's a fiesta) and ask them? Or should I ask the finance company?

Is it the 1600 turbo ST? Mountune do warranty friendly packages available through certain Ford dealers.

No it's the zetec s black edition, and I'm more looking for style changes as opposed to performance

[Ali_T]

Trailhead said:

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

Check your terms and conditions. You don't own it until the final payment is made.

[daemon]

Ali_T said:

Trailhead said:

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

Check your terms and conditions. You don't own it until the final payment is made.

And neither do you on straight HP finance.

I'd say theres no real issue modding it, however as has been said you do need to factor in a significant change in circumstance that might lead to it being handed back early for example.

Personally, i'd be keeping all the standard bits i replaced, with a view to refitting them if required.

Its no big thing really.

[Driver101]

Chisbo said:

Hi, this might have been asked a few times before, but if I have a car on pcp and have no intention to give it back at the end and intend to keep paying the car off, can I modify it how I want?
Thanks in advance

Can you keep paying off a PCP at the end of the contract?

Isn't it the case when you come to the end of the agreed period you have to stump up the entire agreed amount? The only other option would to be get a loan if I'm understanding your post right.

What modifications are you planning? I guess you'll get away with reversible modifications.

I'd also say don't pump too much money into a little Fiesta. You'll regret it later when you work out that you could have used the money to fund a better car sooner.

[Trailhead]

Ali_T said:

Trailhead said:

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

Check your terms and conditions. You don't own it until the final payment is made.

Just because you don't own it until the end, it doesn't make the balance repayable on demand. It's not an overdraft - they can't just call in the balance within 14 days.

Some of the advice on here is laughable.

[Trailhead]

daemon said:

Ali_T said:

Trailhead said:

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

Check your terms and conditions. You don't own it until the final payment is made.

And neither do you on straight HP finance.

I'd say theres no real issue modding it, however as has been said you do need to factor in a significant change in circumstance that might lead to it being handed back early for example.

Personally, i'd be keeping all the standard bits i replaced, with a view to refitting them if required.

Its no big thing really.

This.

[DanielJames]

hora said:

You want to barry up a bogstandard Fiesta?

Well how else would you do it

[Chisbo]

hora said:

You want to barry up a bogstandard Fiesta?

Have you checked with Ford finance (etc)?

6months in you want to keep it. Another 6months and youll be bored wanting to barry up another car

O/T my 70yr old Aunt drives a Fiesta ST.

I'm basically just trying to understand my options really and what's possible, plus insurance for me is an issue as I'm only 19 with 1 years no claims so am quoted a lot for the cars I really want

[RB Will]

I asked the question o the dealer when organising my new lease car last month and he said I could do bits to it but will have to return it to standard when I hand it back as my monthly payments are based on what they think they will get for a standard car not a hard to sell personalised one.

[Sheepshanks]

Trailhead said:

Ali_T said:

Trailhead said:

Scaremongering and overkill. And PCP isnt repayable upon demand anyway.

Check your terms and conditions. You don't own it until the final payment is made.

Just because you don't own it until the end, it doesn't make the balance repayable on demand. It's not an overdraft - they can't just call in the balance within 14 days.

Some of the advice on here is laughable.

You're right - it's 28 days.

Bit extreme, but SEAT (VAG Finance) did it: http://www.seatcupra.net/forums/showpost.php?p=213...

The owner took out a personal loan to pay it off.

[liner33]

Sheepshanks said:

You're right - it's 28 days.

Bit extreme, but SEAT (VAG Finance) did it: http://www.seatcupra.net/forums/showpost.php?p=213...

The owner took out a personal loan to pay it off.

thats pretty horrific ! You'd be mad imo to remap a car in warranty or on pcp, especially VAG stuff as they are wise to it all now

[KarlMac]

Honestly, unless its some Eibach springs (Mountune/Ford) approved I would save the cash for your next car. The Fiesta is a handsome enough looking hatch as standard and I'm struggling to think of little things you could do to improve it. Maybe a US Spec ST front bumper.

[Pegscratch]

Sheepshanks said:

The owner took out a personal loan to pay it off.

The owner pretty much asked for it.