VW Dealer PCP Finance - Pay off early but keep free service?
Discussion
funkyrobot said:
If anyone tries to sell you paint protection, just ask them if that means the standard manufacturer paint isn't fit for purpose. Watch their face screw up and be prepared for stories about bird poo wrecking loads of paint.
They just tried calling me ... I will use that one when I call them back haha!funkyrobot said:
Why not try to get that as part of the deal?
It's too easy for the salesman to tell you it's only on finance and be done with it. Haggle!
You could even try the walking method. Just say that you aren't happy with the deal and if there is nothing else they can do, you won't entertain it. Then walk out.
Actually, have you already paid a deposit?
Yes I have already paid a deposit, but even so I'm still of the belief if they want to sell me the car they should endeavor to keep me pleased - so if I tell them today that I'm not satisfied with the current deal and they should go away and come back with something better - I expect them to do so.It's too easy for the salesman to tell you it's only on finance and be done with it. Haggle!
You could even try the walking method. Just say that you aren't happy with the deal and if there is nothing else they can do, you won't entertain it. Then walk out.
Actually, have you already paid a deposit?
funkyrobot said:
I think that because you have paid a deposit, your are screwed.
Sorry.
Oh no don't say that! Sorry.
Yes I've paid a deposit because we definitely want the car however we haven't signed any terms yet so I'm confident I can try and change them in my favour before we collect on Friday.
Edited by tom6195 on Monday 8th February 12:26
Charlie Boy said:
I've had two deposits refunded by dealers without problems so I think you will find that your deposit is fully refundable!
That's somewhat reassuring Ok guys, I'm about to return their call. This is what I'm going to say:
"I've decided the current deal isn't good enough. Here's what I want you to do. Forget the extras, just take the value of those (£748) off the list price."
Anything else I should add/mention?
Charlie Boy said:
If its of interest my wife has a Tiguan 4Motion 150 DSG on lease for £212pm so there are some good deals around if you prefer that route. Otherwise if you can stretch to new I would go through someone like DtD. Having said that when we were looking even the dealers were saying don't buy second hand as they were doing such good deals new and they had about 4 12month old cars on there forecourt so there was no incentive for them to steer us to new. In the end we went with the lease as that was even cheaper.
Unfortunately I can't stretch to new at the moment, I'm also trying to finance a holiday for parents to go India in March as well as my starting a new job soon. £20k was the original budget but we have stretched to £21k for this.Edited by Charlie Boy on Monday 8th February 12:49
UPDATE:
I ran the VIN against the VW checker and it turns out this model is affected by the emissions scandal.
S**t - what do I do now?
The dealer did not tell me this when I asked, he simply said if it is affected you will be contacted by VW directly who will arrange for you to get the fix at any dealership.
I ran the VIN against the VW checker and it turns out this model is affected by the emissions scandal.
S**t - what do I do now?
The dealer did not tell me this when I asked, he simply said if it is affected you will be contacted by VW directly who will arrange for you to get the fix at any dealership.
anothernameitist said:
No problem with it having a recall.
It will be done, it doesn't mean the car will blow up.
Able to give you some leverage though!
From what I'm reading the "fix" could impact performance, economy and resale value.It will be done, it doesn't mean the car will blow up.
Able to give you some leverage though!
This has given the right shakes and I feel inclined to call them and withdraw from the deal.
Edited by tom6195 on Monday 8th February 16:56
valiant said:
I would have thought most of the diesel VWs on the forecourt would be on the emission hit list and due for a recall.
I'd have thought so too, not to mention the Derby dealership was rammed yesterday with people testing a range of golf diesels.I dunno, maybe I'm overreacting but I certainly feel uneasy about this coming from a squeaky clean BMW 320d which absolutely loves the motorway lol.
Taken a bit of digging but this looks reassuring: http://www.bbc.co.uk/news/business-34505593
In particular: "Paul Willis, UK managing director, said that cars fitted with the 1.6L diesel engine would need the physical remedy.
Those with the larger 2L engine would only need a software fix, he told the Commons Transport select committee."
And taken from VW Vin checking website:
"What kind of technical service measures will be taken?
We have now developed solutions for 1.2, 1.6 and 2.0 litre diesel engines affected by the NOx emissions testing issue. In the case of the 1.2 and 2.0 litre engines the solution involves software only and it is expected that the pure labour time for this software update should take around half an hour. "
In particular: "Paul Willis, UK managing director, said that cars fitted with the 1.6L diesel engine would need the physical remedy.
Those with the larger 2L engine would only need a software fix, he told the Commons Transport select committee."
And taken from VW Vin checking website:
"What kind of technical service measures will be taken?
We have now developed solutions for 1.2, 1.6 and 2.0 litre diesel engines affected by the NOx emissions testing issue. In the case of the 1.2 and 2.0 litre engines the solution involves software only and it is expected that the pure labour time for this software update should take around half an hour. "
Edited by tom6195 on Monday 8th February 17:54
Brave Fart said:
tom6195 said:
You know another thing I want to ask is, if I settle early will VW finance try and reclaim the dealers' deposit contribution from me?
You have a legal right to "withdraw" within 14 days of signing the finance document. That is different from "settling" after one or more payments have been made.Now, if your VW Finance small print is the same as the VW Finance document in front of me right now, there is nothing in there that says you must repay the deposit contribution.
If you want the car, tell them you do NOT want paint protection (waste of money). GAP policy - get it online (lots of providers). Sign the finance docs, drive away, then ring up VW Finance the next day and settle with your debit card. There is no need to wait until after "x" instalments at all, just withdraw within 14 days.
funkyrobot said:
Read the last page of the thread.
It's on your invoice but then a discount has been applied.
Sure it's applied, at £349 as well as 3rd year warranty for £399 - but there's a discount for £748 coming (£648) on that invoice but have been assured it's £748 by finance manager. It's on your invoice but then a discount has been applied.
Brave Fart said:
Correct. It is as if the credit agreement never existed.
As for your warranty and paint protection; what I meant was that you say "hmm....how about we forget the extended warranty and paint protection, and you just chip another £500 off the price?" Of course they may say no!
This is actually going to be my angle when I speak with the sales manager tomorrow. As for your warranty and paint protection; what I meant was that you say "hmm....how about we forget the extended warranty and paint protection, and you just chip another £500 off the price?" Of course they may say no!
"You didn't tell me this car was affected and I had to find out by myself - you have betrayed the trust we established in the dealership and I am inclined to walk away unless you can put my concerns to bed"
Your move!
Sheepshanks said:
Relevant to the OP - the other factor is the discounts available. We got over 5 grand off ours (there's now £3250 from VW just for taking the PCP, which we immediately withdrew from). For the R-Line the OP is looking at, there are people on a Tiguan specific forum I joined who are getting in the region of £7K off - and in the final run-out spurt VW have added leather as standard to the R-Line which saves another £1600 as many R-Line buyers do spec it.
That's the weird thing about used Tiguan prices at VW dealers - with the discounts on offer (which aren't new, VW has been doing this at least since early 2015) you've got to go back to cars 18mths old before they're cheaper than new ones, and the few £K cheaper the one the OP is looking at seems bonkers to me.
hi Sheepshanks, it sounds like I'm better off going new but as mentioned £21k really is the upper limit of my budget and from what I've seen there's no way I'd get an R line with this spec for £21k new, unless you can show me otherwise?That's the weird thing about used Tiguan prices at VW dealers - with the discounts on offer (which aren't new, VW has been doing this at least since early 2015) you've got to go back to cars 18mths old before they're cheaper than new ones, and the few £K cheaper the one the OP is looking at seems bonkers to me.
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