Ask a car salesman anything...anything at all (Vol. 2).
Discussion
Jazoli said:
jamoor said:
I'm sure a mokka should be a piece of cake to sell privately for loads more in good condition?
I'm sure it would but he has seen the car he wants to buy at a branch of AC, and its more convenience than anything as its in Glasgow and he's 140 miles away, WBAC quoted £4780 so I guess it'd be £4.5k by the time he left there.spikeyhead said:
If it's clean, then run it through WBAC as a bargaining position, and be prepared to use them if they offer strongly on it. It's possible that your mate may need to wait a couple of weeks until WBAC do their standard email out a better offer thing they like doing.
edit, just done that 
The easier something is, the more it’s going to cost you.
If you want to make/save money, it’s usually more hassle.
Fast Bug said:
Well you're given all of the information to take away with you in the form of a SECCI (Standard European Consumer Credit Information), this contains the type of deal, APR, deposit, monthly payments and GMFV or balloon information (if applicable). That's been in place for a good for years now. With regards to affordability checks, that's down to the lender and not the dealer to decide.
I really can't see how much more you can do for someone, people really need to take responsibility for their own actions sometimes. The amount of people that don't read what they're signing up to is shocking, my sister in law have a clue how many miles pa her agreement was for, despite being told by the dealership AND having the SECCI before signing the agreement. The PPI is a little different as they were selling products not suitable and for loading PPI without telling the customers.
What people can afford isn't straightforward from looking at their finances anyway. I work in taxation and see people on quite high incomes, £60-£70k a year, getting themselves into terrible trouble with their finances because they're disorganised and pretty feckless. They aren't honest with themselves about their spending, never mind anyone else, and can't distinguish what's essential from what's not or really plan their spending in any way.I really can't see how much more you can do for someone, people really need to take responsibility for their own actions sometimes. The amount of people that don't read what they're signing up to is shocking, my sister in law have a clue how many miles pa her agreement was for, despite being told by the dealership AND having the SECCI before signing the agreement. The PPI is a little different as they were selling products not suitable and for loading PPI without telling the customers.
Some people will live right up to the edges of their finances, however much they earn, so they have no money spare if something goes wrong. I have neighbours who have nice big houses but can't afford to get basic maintenance done or deal with anything breaking.
Someone who comes unstuck on a finance agreement for a Ford Fiesta could be earning twice as much as someone who's comfortably paying for a BMW.
The problem is, those who get themselves into trouble through not taking responsibility for themselves are the ones who go blaming everyone else for not somehow making them do the right thing in the first place and they'll be the ones running to the lawyers promising big payoffs for how they've been badly done to.
Blakewater said:
What people can afford isn't straightforward from looking at their finances anyway. I work in taxation and see people on quite high incomes, £60-£70k a year, getting themselves into terrible trouble with their finances because they're disorganised and pretty feckless. They aren't honest with themselves about their spending, never mind anyone else, and can't distinguish what's essential from what's not or really plan their spending in any way.
Some people will live right up to the edges of their finances, however much they earn, so they have no money spare if something goes wrong. I have neighbours who have nice big houses but can't afford to get basic maintenance done or deal with anything breaking.
Someone who comes unstuck on a finance agreement for a Ford Fiesta could be earning twice as much as someone who's comfortably paying for a BMW.
The problem is, those who get themselves into trouble through not taking responsibility for themselves are the ones who go blaming everyone else for not somehow making them do the right thing in the first place and they'll be the ones running to the lawyers promising big payoffs for how they've been badly done to.
I know people just like this..... six figs surgeon up to eyes in it for one.Some people will live right up to the edges of their finances, however much they earn, so they have no money spare if something goes wrong. I have neighbours who have nice big houses but can't afford to get basic maintenance done or deal with anything breaking.
Someone who comes unstuck on a finance agreement for a Ford Fiesta could be earning twice as much as someone who's comfortably paying for a BMW.
The problem is, those who get themselves into trouble through not taking responsibility for themselves are the ones who go blaming everyone else for not somehow making them do the right thing in the first place and they'll be the ones running to the lawyers promising big payoffs for how they've been badly done to.
ETA: Ironic PH six figs obvs. Dominating the overdraft etc...
Friends of mine are a consultant and a partner in an international law firm. They are the most useless people with money I know.
Everything on finance. Once got royally shafted on a new Audi TT because ‘knew salesman from rugby club and he was bloody nice bloke’ (best said in Tim Nice But Dim voice)
Everything on finance. Once got royally shafted on a new Audi TT because ‘knew salesman from rugby club and he was bloody nice bloke’ (best said in Tim Nice But Dim voice)
Fast Bug said:
I got to see customers bank statements sometimes when trying to get funding approved for Porsches. Start of the the month b
k loads of money lands, end of the month cock all left. The more people earn the more the spend.
To be fair, that should happen regardless - my current account looks exactly like that, because money gets moved into savings accounts, etc...k loads of money lands, end of the month cock all left. The more people earn the more the spend.What do car dealers think of the "Aussie Expert's" Youtube videos?
https://autoexpert.com.au/videoblog
https://autoexpert.com.au/videoblog
menousername said:
DanL said:
o be fair, that should happen regardless - my current account looks exactly like that, because money gets moved into savings accounts, etc...
But that would need to be evidenced for affordability - he is looking at their statements so that would showI used to be in the hospital medicine racket.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
TheDukeofBork said:
I used to be in the hospital medicine racket.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
I understand it isn't easy for everyone and circumstances change etc but 40% of my pay always goes straight into savings and if there's anything left at the end of the month that gets bunged in as well. Each to their own but I wouldn't be able to function if I was worried about cash!BrabusMog said:
TheDukeofBork said:
I used to be in the hospital medicine racket.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
Back around the turn of the century I had a surgical colleague with a very lucrative private practice. However, a couple of failed marriages (with kids in private education) and an expensive hobby flying helicopters meant he had to clear £16k a month before he had any spending money.
I understand it isn't easy for everyone and circumstances change etc but 40% of my pay always goes straight into savings and if there's anything left at the end of the month that gets bunged in as well. Each to their own but I wouldn't be able to function if I was worried about cash!Gassing Station | General Gassing | Top of Page | What's New | My Stuff