BMW Finance Decline
Discussion
Integroo said:
Derek 911 said:
This quote is just from a w
ker, moderators that let that go on should have loot at themselves.
I don’t like the attitude on here at all and I think half of you talk more st than anything else to make yourself look flash on the internet which is sad I asked a question that was my contribution to this forum aresholes like you just troll and abuse people for no good reason
I think those that are giving you a hard time need to get a grip. Sure, you can spend your money in a way that makes you wealthier than you are now. Sure, I think renting a vehicle worth half your annual salary is mental. However, plenty of people do it and if you want to spend your money in that way who are these people to tell you not to? As you say, you meet your financial responsibilities, have no dependents and can service your bills.ker, moderators that let that go on should have loot at themselves. I don’t like the attitude on here at all and I think half of you talk more s
t than anything else to make yourself look flash on the internet which is sad I asked a question that was my contribution to this forum aresholes like you just troll and abuse people for no good reason Some people in here need to get a grip of themselves. Jealousy, I wonder.
Derek 911 said:
Yeah sorry for the hornets nest I kicked over by asking what I thought was a genuine and honest question to a bunch of petrol heads how naive I was.
Regardless of what my great unwashed 38 year old life has accumulated by this point a house worth less than a cup of tea & whatever other st was said about me I do have at least one thing that lot of people on here will never have & that is manners and class I’m not posting anymore bunch of dicks about here.
Thanks for those that helped me with credit score chat lot of it was what I already thought anyway but some really good advice was given by a few genuine blokes.
The rot had set in far earlier than the start of this thread don’t worryRegardless of what my great unwashed 38 year old life has accumulated by this point a house worth less than a cup of tea & whatever other s
t was said about me I do have at least one thing that lot of people on here will never have & that is manners and class I’m not posting anymore bunch of dicks about here. Thanks for those that helped me with credit score chat lot of it was what I already thought anyway but some really good advice was given by a few genuine blokes.
I often wonder how many of the “six figs” “powerfully built” “just drive something you bought and paid for” w
kers are actually up to their eyes in mortgage debt for some Barratt stbox in the South East and couldn’t borrow a pencil nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
Integroo said:
8V085 said:
OP, you have my full support. Your score is pretty average but have you thought about calling BMW and telling them that the way you roll "IS MY CULTURE BRO, EMBRACE IT". They can't discriminate just because of who you are. If they do, sue the fk out of them and call them facists (they ain't Italian but still facists should work well on a German brand representative). You're entitled to your new BMW, it's your humayne right.
Why are you making deliberately obtuse comments on various threads about culture bros and embracing it?k out of them and call them facists (they ain't Italian but still facists should work well on a German brand representative). You're entitled to your new BMW, it's your humayne right.Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
Also for the record I don’t spend half my earnings on my car nothing like it 50% of my yearly salary is the purchase price of what car I tend to drive.
Monthly payments to service that debt is more like 20% of take home pay yeah not too wise I admit it but hardly reckless and I have no other vices and live in a teapot so it’s ok.
Also I ain’t saying any of this to brag cos who gives a fk I could be lying anyway but it’s relevent to the abuse I’ve taken I’m glad there been some decent input on this thread I’m just sorry I subjected everyone else to such a st post for my first real one I didn’t know folk were like this on here.
Monthly payments to service that debt is more like 20% of take home pay yeah not too wise I admit it but hardly reckless and I have no other vices and live in a teapot so it’s ok.
Also I ain’t saying any of this to brag cos who gives a f
k I could be lying anyway but it’s relevent to the abuse I’ve taken I’m glad there been some decent input on this thread I’m just sorry I subjected everyone else to such a st post for my first real one I didn’t know folk were like this on here. nct001 said:
Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
head hole you just put yourself in? The car finance company couldn’t take my house anyway IF I DEFAULTED on the vehicle again notice the capitals cos I never would default anything I work hard to get by in any financial climate like any good standing person would.
So your either talking s
t about the previous job or just talking st Derek 911 said:
nct001 said:
Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
head hole you just put yourself in? The car finance company couldn’t take my house anyway IF I DEFAULTED on the vehicle again notice the capitals cos I never would default anything I work hard to get by in any financial climate like any good standing person would.
So your either talking s
t about the previous job or just talking st I think cheap credit is a great thing. If you're one of those people who get paid monthly, have good job security and can pay your debts why should you be penalised and be told how to spend your money just because of the actions of a reckless minority of borrowers and lenders 10 years ago.
g3org3y said:
berlintaxi said:
powerstroke said:
You do what you want it's your life and your money ... However a paid up mortgage and a account with the Queens bank gives you a warm glow .
Congratulations...complete dick of the week winner right there.
Good luck OP.
heads mate, no matter what you have in life civility and manners cost nothing. And I have couple of well off friends and they don’t have those horrible attitudes, I’m just a normal guy do ok work wise I get paid half decent money but nothing that makes me rich or anything I know I have bit of a daft streak with cars but I’m able to manage it along with everything else in life.
nct001 said:
Derek 911 said:
nct001 said:
Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
head hole you just put yourself in? The car finance company couldn’t take my house anyway IF I DEFAULTED on the vehicle again notice the capitals cos I never would default anything I work hard to get by in any financial climate like any good standing person would.
So your either talking s
t about the previous job or just talking st ‘See he’s irresponsible he’s even talking about defaulting, Smithers release the hounds’
RaymondVanDerDon said:
I think cheap credit is a great thing. If you're one of those people who get paid monthly, have good job security and can pay your debts why should you be penalised and be told how to spend your money just because of the actions of a reckless minority of borrowers and lenders 10 years ago.
That's the spirit bro, I'm glad you've embraced it.Derek 911 said:
nct001 said:
Derek 911 said:
nct001 said:
Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
head hole you just put yourself in? The car finance company couldn’t take my house anyway IF I DEFAULTED on the vehicle again notice the capitals cos I never would default anything I work hard to get by in any financial climate like any good standing person would.
So your either talking s
t about the previous job or just talking st ‘See he’s irresponsible he’s even talking about defaulting, Smithers release the hounds’
nct001 said:
Derek 911 said:
nct001 said:
Derek 911 said:
nct001 said:
Integroo said:
nct001 said:
Guy has no assets... wake up smell the coffee he and perhaps yourself have done very well not to have had this firmly pointed out by Hmrc, business venture or similar.
It’s a hard world outside the corporate bubble.
.And who are you to tell him how he should live his life? It’s a hard world outside the corporate bubble.
head hole you just put yourself in? The car finance company couldn’t take my house anyway IF I DEFAULTED on the vehicle again notice the capitals cos I never would default anything I work hard to get by in any financial climate like any good standing person would.
So your either talking s
t about the previous job or just talking st ‘See he’s irresponsible he’s even talking about defaulting, Smithers release the hounds’
1. A few late payments CC = complacent not stretched but they don’t see that.
2. High credit utilisation I have one card with a balance getting paid this month I have 3 that I never used prob should kept them open to boost utilisation.
3. Maybe bigger deposit cheaper M3
4. Maybe sell Porsche first to avoid any doubts.
So when I responsibly sort the above as has been outlined by the good people who helped me on this thread I then may be able to get my M3.
But you my friend will always be a w
ker Derek 911 said:
Yeah and affordability wasn’t one of them.
1. A few late payments CC = complacent not stretched but they don’t see that.
2. High credit utilisation I have one card with a balance getting paid this month I have 3 that I never used prob should kept them open to boost utilisation.
3. Maybe bigger deposit cheaper M3
4. Maybe sell Porsche first to avoid any doubts.
So when I responsibly sort the above as has been outlined by the good people who helped me on this thread I then may be able to get my M3.
But you my friend will always be a wker
Agreed. I would try and up your credit limits to improve utilisation too.1. A few late payments CC = complacent not stretched but they don’t see that.
2. High credit utilisation I have one card with a balance getting paid this month I have 3 that I never used prob should kept them open to boost utilisation.
3. Maybe bigger deposit cheaper M3
4. Maybe sell Porsche first to avoid any doubts.
So when I responsibly sort the above as has been outlined by the good people who helped me on this thread I then may be able to get my M3.
But you my friend will always be a w
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