BMW Finance Decline
Discussion
Brooking10 said:
Derek 911 said:
Brooking10 said:
TheJimi said:
I'm defending him because you are being a complete and utter weapons-grade arsehat.
Indeed.Or as he might put it if one extrapolates from his profile
“A bloke with two proper chavvy motors who lives in a s
thole of a Medway town”What exactly do you drive I could use a laugh tell us?
911 belongs more to the ‘grey poupon’ crowd than it ever would to chavs as has been mentioned I must be wanting to live like a playboy etc you’s all make up some amount of pish in your heads I would hate to live inside such tiny minds.
M3s chav mobile’s ???? I would say it’s behind the times for chavs to want arguably d
heads all drive Audi’s now Bm’s ain’t even that well received by that kind of market anymore so you maybe need to keep up with the times but then again your probably driving something that was built in 1982 & your wive’s handbag is worth more. Here’s a cat
There’s a pigeon
Troll your worst or just bore off maybe be better
I was agreeing with the guy I quoted who was defending you ........
My post was directed at the arse who was bleating on about council houses in Scotland and failing to comprehend you weren’t planning on keeping both cars.
You can see what people drive by checking their profiles..
Check his profile not yours for the chav chariots
And calm down, because you can’t see the wood for the trees right now !
Edited by Brooking10 on Wednesday 28th March 19:09
ThousandYardStare said:
Derek 911 said:
Something about trading cars in on the day and the dealership settling finance & taking the keys off you prevents the ‘ill sell it in a month guv’ scenario.
And as mentioned to help those who may be in a similar situation never trust the dealership to be sending all details through correctly to the underwriters as in my case they didn’t seem to know or grasp the Porsche loan was being settled to buy/lease the M3.
But that's not what you originally said, or originally proposed. If that was the case, I'm guessing the scenario would be different.And as mentioned to help those who may be in a similar situation never trust the dealership to be sending all details through correctly to the underwriters as in my case they didn’t seem to know or grasp the Porsche loan was being settled to buy/lease the M3.
It was never a scenario that the Porsche was staying the M3 was always replacing it, in new car form at around 50kish after discounts or secondhand at 35k.
Option 1 was RSJ Specialist Sports cars buying it, they had made an offer by email which is as good as a written or legally binding form of communication in the year 2018 & I was assured this email was presented to underwriters I’m not so sure it was.
Option 2 was the trade at the dealers
ThousandYardStare said:
Derek 911 said:
How many times do I need to correct what everyone else can see in black and white?
It was never a scenario that the Porsche was staying the M3 was always replacing it, in new car form at around 50kish after discounts or secondhand at 35k.
Option 1 was RSJ Specialist Sports cars buying it, they had made an offer by email which is as good as a written or legally binding form of communication in the year 2018 & I was assured this email was presented to underwriters I’m not so sure it was.
Option 2 was the trade at the dealers
Option 1 means nothing to the finance company, as you could decide not to sell, leaving you with a debt they considered to be beyond your means.It was never a scenario that the Porsche was staying the M3 was always replacing it, in new car form at around 50kish after discounts or secondhand at 35k.
Option 1 was RSJ Specialist Sports cars buying it, they had made an offer by email which is as good as a written or legally binding form of communication in the year 2018 & I was assured this email was presented to underwriters I’m not so sure it was.
Option 2 was the trade at the dealers
Option 2 was only brought into the thread when everyone pointed out the problem with option 1.
Anyway, I don't see the attraction in the M3. That shape 3 series is built down to a price, and it would constantly bug me that a lot of the stuff you touch and feel is no different to that in a poverty spec. 114i.
The F10 M5 is in another class, and would be where my money went.
head your right and I’m wrong as usual but before you go and crack one out thinking how you got one up on some stranger on an Internet forum why don’t you go back and read the bit about how I put forward an application for a contra deal with the Porsche 911 trading in against the bmw m3 of similar value and Clydesdale finance would have been the ones seeing the loan was settled at the dealer as they would have been paid on the day. Again I was there I know I considered a trade in at a dealership for you to f
ken argue with me about what I actually done shows how stupid or pathetic you actually are so go troll someone else the st gets boring nct001 said:
Derek 911 said:
Ok dhead your right and I’m wrong as usual but before you go and crack one out thinking how you got one up on some stranger on an Internet forum why don’t you go back and read the bit about how I put forward an application for a contra deal with the Porsche 911 trading in against the bmw m3 of similar value and Clydesdale finance would have been the ones seeing the loan was settled at the dealer as they would have been paid on the day.
Again I was there I know I considered a trade in at a dealership for you to fken argue with me about what I actually done shows how stupid or pathetic you actually are so go troll someone else the st gets boring
Then you should have made it a qualification of the loan that the 911 debt would be paid before taking new debt on. Or put it another way the salesman would have / really should have said is this a replacement loan? head your right and I’m wrong as usual but before you go and crack one out thinking how you got one up on some stranger on an Internet forum why don’t you go back and read the bit about how I put forward an application for a contra deal with the Porsche 911 trading in against the bmw m3 of similar value and Clydesdale finance would have been the ones seeing the loan was settled at the dealer as they would have been paid on the day. Again I was there I know I considered a trade in at a dealership for you to f
ken argue with me about what I actually done shows how stupid or pathetic you actually are so go troll someone else the st gets boring Either way making it clear to finance company this was not in addition to Porsche loan.
From about page 5 you started mentioning about your bank balance and considerable income. To a finance company being self employed and having very little show for such an income materially makes this suspect.
nct001 said:
Derek 911 said:
i spent it all on hookers and cocaine, sounds like you need to lighten up and do the same
Difference is had you made the 911 debt a qualification of the loan you’d be in the bmw you wanted. The new debt questionnaire would have stated is this a replacement loan, it would appear you did not apply for the loan as a replacement but in addition to existing finance.It’s not a case of lightening up it’s industry lending practise.
Julian Thompson said:
In defence of the M3/4 I have to say that I absolutely love mine. I’ve had 2 of them now and I don’t find the interior to be poverty spec. I also don’t find it dull to drive at all - the turbo character is lots of fun and I think it steers well and has lovely balance. It replaces a 991.1 gts in its role as a 4 seat summer “let’s go for dinner” type car and it does that extremely well - I prefer it very much to the GTS, especially for the price. I plan to keep mine for a long time. It might even be my favourite car of the current ones I have, by a whisker.
The F8 generation of M cars interior is a fantastic place to sit, it’s a great balance between driver focus and the modern technology. It may not have the soul of some of the analog cars but they have moved the game on considerably with this generation your a Lucky man to have it purely as a weekend toy. Julian Thompson said:
I believe that only you can decide how you feel about a car. You can ask advice of others and you can read - it’s fun - but in the end it has to be your choice and no matter how eclectic or eccentric it might be I love to see people passionate about their choice of car as long as they are being respectful of others opinions at the same time.
I enjoy trying to defend the new M3/4 because I can’t reconcile the criticism it often gets with my experience of it. Mine is a manual, by the way, which I enjoy very much since the torque in the mid range makes the car so useable and, I find, rewarding on modern crowded roads.
I have a few friends who are die hard bmw fans still sticking to their manuals in M2’s, 440’s & M3’s , I respect the purity of the choice but I’m afraid I predictably switched to the dark side on the F30. I enjoy trying to defend the new M3/4 because I can’t reconcile the criticism it often gets with my experience of it. Mine is a manual, by the way, which I enjoy very much since the torque in the mid range makes the car so useable and, I find, rewarding on modern crowded roads.
Another example of BMW M moving things on with the F8x series is the throttle blip on the down shifts in the manual cars I think that’s a really nice touch and shows unlike Porsche they still seem to be accommodating their manual customers.
However I have heard the G20 era M will no longer be available as a manual?
Julian Thompson said:
It’s a fascinating choice - interestingly I prefer the M4 as a manual - in fact my cars are manual except my 991 GT3 which, again, is contrary to what most people find as a preference (or maybe people order the manual GT3 to “invest” - I’m unsure.) I personally prefer the Porsche as a PDK because it feels like a racer that way, with the high revving personality and instant shifts. I also love to left foot brake the car which is so very easy in a PDK version.
Having said this I’m certain that you’ll be very happy with the auto version of the M car. The shifts are terrific! Much better than mine hahaha!
Do you have any threads which show off your car collection? Would love to see it, that’s a dream garage right there for a start and very interesting you went for the GT3 as PDK as you say it may be the investment element driving the manual GT3 trend but what a car I can only dream wow 👌Having said this I’m certain that you’ll be very happy with the auto version of the M car. The shifts are terrific! Much better than mine hahaha!
Maybe I just want new German metal because:
A. I can justify the cost
B. I’ve got use to all the latest gadgets/tech
C. Like any other motoring enthusiast I read the reviews and I want that model.
Doesn’t make them any less of drivers cars in the real world it’s potentially better. I firmly agree the cars are losing some soul but when you weigh it all up against running an older model with older spec, higher fuel consumption, potential maintenance and running costs outside of warranties there is really pro’s and con’s to both scenarios.
No where in my thought process of owning those cars does image factor in, that’s something your bringing into the discussion. If it was all about image i’d be driving an Audi R8 and I’d have my frenchie sitting next to me with my Swiss watch in the picture on the steering wheel outside my mums 5 bedroom new build house.
That just isn’t me, it’s something your creating in your own head from snippets of info you add 2 + 2 & get 10
A. I can justify the cost
B. I’ve got use to all the latest gadgets/tech
C. Like any other motoring enthusiast I read the reviews and I want that model.
Doesn’t make them any less of drivers cars in the real world it’s potentially better. I firmly agree the cars are losing some soul but when you weigh it all up against running an older model with older spec, higher fuel consumption, potential maintenance and running costs outside of warranties there is really pro’s and con’s to both scenarios.
No where in my thought process of owning those cars does image factor in, that’s something your bringing into the discussion. If it was all about image i’d be driving an Audi R8 and I’d have my frenchie sitting next to me with my Swiss watch in the picture on the steering wheel outside my mums 5 bedroom new build house.
That just isn’t me, it’s something your creating in your own head from snippets of info you add 2 + 2 & get 10
TwinExit said:
Brooking10 said:
Ouch.
I thought something like that might be your response.
If you read my post properly you’ll note that I talked about extrapolation and how you might reference things in your posting profile given the way you extrapolated from the OPs post.
The point being it’s extremely annoying isn’t it when people alight upon something from a person’s online contributions and then reference in incendiary, judgemental and unreasonably, lazy stereotype fashion ? This is exactly what you did with your Scottish council house jibe and incessant belittling of the OP. That seems to have gone right over your head.
As an aside the place I was born and where my family originate makes the Medway towns look like the Cote D’Azur
Extrapolation or merely the wrapping of insulting statement in quotation in a 3rd party perspective is a PH forum poster's done-to-death trick of disguising an insult without coming across as antagonistic. I thought something like that might be your response.
If you read my post properly you’ll note that I talked about extrapolation and how you might reference things in your posting profile given the way you extrapolated from the OPs post.
The point being it’s extremely annoying isn’t it when people alight upon something from a person’s online contributions and then reference in incendiary, judgemental and unreasonably, lazy stereotype fashion ? This is exactly what you did with your Scottish council house jibe and incessant belittling of the OP. That seems to have gone right over your head.
As an aside the place I was born and where my family originate makes the Medway towns look like the Cote D’Azur
Edited by Brooking10 on Thursday 29th March 10:58
If one lives on a council estate or somewhere of modest lodgings, there is nothing to be ashamed of. What is daft is the lengths people take to delude themselves and others by acquiring expensive cars/possessions through disproportionate debt and then complain about why they are being refused credit.
...that is not belittling, it is honest observation.
So please spare me your feigned middle-class guilt trip, if you actually give a damn about people's well being, you would be honest to point out what their limitations and responsibilities are in the real world instead of jumping on people who have the balls to express honest opinion.
Despite having disposable income to cover the debts or depreciation whatever way you go it’s really all the same minus the interest factor of course.
As I said it’s funny you shout about me owning new German cars is pretentious yet your very statement of what I should and shouldn’t do is the epitome of pretension.
Edited by Derek 911 on Thursday 29th March 11:57
jeremyh1 said:
Talk about writing champagne checks with lemonade money
The OP does not have the money to pay for a BMW. Credit is not a right Credit is something you might get if the lender is prepared to take the risk
Why do so many people concern themselves with things that they dont have the money for ?
OP you are not being loaned the money because you are a risk and the fiance company also have a duty to protect you from yourself
Actually my application is being reviewed in 3 months time at which point I’ll most likely get the loan like I do every other time so stop being a wThe OP does not have the money to pay for a BMW. Credit is not a right Credit is something you might get if the lender is prepared to take the risk
Why do so many people concern themselves with things that they dont have the money for ?
OP you are not being loaned the money because you are a risk and the fiance company also have a duty to protect you from yourself
k, by that point I’ll be sticking in 10k & the credit card paid off. Some late payments dropping off my score this has been discussed at length with the Bmw underwriter who worked on my application so stop sounding like an utter kunt. Credit scores determine lending & mines took a knock it has f
k all to do with wether I can afford it cos the reality is I’m doing ok with approval on loans for Porsche 911s and 330d all settled within the last 12 months so stop being an utter tumbling dhead Brooking10 said:
TwinExit said:
Brooking10 said:
Ouch.
I thought something like that might be your response.
If you read my post properly you’ll note that I talked about extrapolation and how you might reference things in your posting profile given the way you extrapolated from the OPs post.
The point being it’s extremely annoying isn’t it when people alight upon something from a person’s online contributions and then reference in incendiary, judgemental and unreasonably, lazy stereotype fashion ? This is exactly what you did with your Scottish council house jibe and incessant belittling of the OP. That seems to have gone right over your head.
As an aside the place I was born and where my family originate makes the Medway towns look like the Cote D’Azur
Extrapolation or merely the wrapping of insulting statement in quotation in a 3rd party perspective is a PH forum poster's done-to-death trick of disguising an insult without coming across as antagonistic. I thought something like that might be your response.
If you read my post properly you’ll note that I talked about extrapolation and how you might reference things in your posting profile given the way you extrapolated from the OPs post.
The point being it’s extremely annoying isn’t it when people alight upon something from a person’s online contributions and then reference in incendiary, judgemental and unreasonably, lazy stereotype fashion ? This is exactly what you did with your Scottish council house jibe and incessant belittling of the OP. That seems to have gone right over your head.
As an aside the place I was born and where my family originate makes the Medway towns look like the Cote D’Azur
Edited by Brooking10 on Thursday 29th March 10:58
If one lives on a council estate or somewhere of modest lodgings, there is nothing to be ashamed of. What is daft is the lengths people take to delude themselves and others by acquiring expensive cars/possessions through disproportionate debt and then complain about why they are being refused credit.
...that is not belittling, it is honest observation.
So please spare me your feigned middle-class guilt trip, if you actually give a damn about people's well being, you would be honest to point out what their limitations and responsibilities are in the real world instead of jumping on people who have the balls to express honest opinion.
Middle class guilt
You’re over thinking this and making yourself look rather silly.
Anyway are you going to the PH meet on Monday ? Pop on over and say hello, I’ll put my best Che T shirt on for extra middle class angst
What’s the point just to sneer at each other in person?
Do you bring your cars or just all arrive in helicopters?
I wouldn’t entertain half the cretins on here, don’t see why anyone in this ‘community’ would want to spend time with each other.
Brooking10 said:
TwinExit said:
Brooking10 said:
Whoosh !!! Point missed yet again !
Middle class guilt
You’re over thinking this and making yourself look rather silly.
Anyway are you going to the PH meet on Monday ? Pop on over and say hello, I’ll put my best Che T shirt on for extra middle class angst
Um, it is you who had an issue with my posts to the OP and you went on his defense.Middle class guilt
You’re over thinking this and making yourself look rather silly.
Anyway are you going to the PH meet on Monday ? Pop on over and say hello, I’ll put my best Che T shirt on for extra middle class angst
All I am doing is responding to comments aimed at me, and I don't care if you think I look silly - the last thing I care about is image projection on a poxy car forum.
Enjoy the meet, I normally go to my local chavvy car meet where we talk about chavvy things rather than brag about latest carwow offer I received.
I don’t think your cars are chavvy and I have personal experience of Kent.
However, were I to generalise and stereotype the same way that you overtly did I would say, and mean, silly things about chavs, Kent etc.
The point of this story is neither you, the OP nor I know each other from a bar of soap and therefore making sweeping generalisations about caiuncil houses, chav mobiles etc is a) pointless b) unpleasant and c) makes us all look like idiots whilst being received by the target of such statements, as you have so adeptly shown, extremely badly and provoking a degree of annoyance.
The great irony in all of this is that you having come on to rather personally belittle the OPs situation and decisions you have now basically taken the same route as him and started spewing bile about this forum and it’s members all whilst claiming you don’t care what anybody thinks about you and your cars because somebody said something about you and your cars which you didn’t like !
I realise I have said some nasty things at points when provoked and I wish I hadn’t but it’s human nature to fire back when things become so downright nasty it creates the very same response & we reap what we sow.
PH would be a nicer place to be if the chat was just cars and respectfully given the subject is about finance then some good advice could be given like perhaps the merits of different deals on the market on newer vs spreadsheets and costs of running a similar secondhand car and perhaps trying to educate each other in the different methods for owning and running great machinery.
Just turning round and saying you’ve got an 18 plate you must be a prick is a bit s
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