BMW Finance Decline
Discussion
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.
TheJimi said:
Very well said, and bang on.
What I wanted to say, but frankly couldn't be arsed wasting any more time on him.
Of course yes you have far more pressing issues to deal with than 'wasting any more time' with online personalities, this is why you had to make time for another post to let everyone know right?What I wanted to say, but frankly couldn't be arsed wasting any more time on him.
More image projection foo-ery.
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
Talk about writing champagne cheques 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
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
Edited by jeremyh1 on Thursday 29th March 11:59
TwinExit said:
TheJimi said:
Very well said, and bang on.
What I wanted to say, but frankly couldn't be arsed wasting any more time on him.
Of course yes you have far more pressing issues to deal with than 'wasting any more time' with online personalities, this is why you had to make time for another post to let everyone know right?What I wanted to say, but frankly couldn't be arsed wasting any more time on him.
More image projection foo-ery.
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 
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 anonymous-user 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
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.
Derek 911 said:
You mean you actually have meets?
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.
We do.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.
And strangely we talk about cars of all shapes sizes, costs and speeds and are polite to each other while we are about it.
We tend to avoid council houses or finance deals, or why certain people shouldn’t do certain things as subjects for discussion.
It’s very odd behaviour for members of a motoring forum I grant you.
Edited by anonymous-user on Thursday 29th March 13:23
Edited by anonymous-user on Thursday 29th March 13:24
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.
Brooking10 said:
daemon said:
He didnt. He came on here and was up front about what he was doing and why - and also how he was financing it.
I think it says a lot more about the insecurities of those who interpreted it in a particular way and reacted as they did, than it did about the O/P
Delete delete ! I think it says a lot more about the insecurities of those who interpreted it in a particular way and reacted as they did, than it did about the O/P
Point missed by some distance.
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!
It would not surprise me to learn that BMW have decided to cease manual production going forwards. I was sad that the CS M4 was available only as an auto.
Great last 3 posts Julian! Really good to hear some first hand opinions. 991 GT3 is definitely on my list at some point. Cheers.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!
It would not surprise me to learn that BMW have decided to cease manual production going forwards. I was sad that the CS M4 was available only as an auto.
Edited by Julian Thompson on Wednesday 28th March 22:55
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 positive 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 council 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, 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 !
Edited by anonymous-user on Thursday 29th March 13:36
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
t and hugely ignorant and stereotypical Just read this whole thread, periodically, throughout my morning.
OP, good luck on whatever you decide to finally do. You came for advice and got it from some, and got trolled by others.
All I can take away from this is that xjay1337 has some sort of issue with anyone that has a better car than himself... or so it appears that way and is a little bit upset because he thinks the OP is trying to give the impression of wealth (even though he isn't). Which is very strange.
Both Twinexit and TinRobot are, for lack of a better word,s. Both seem to have a problem with Scotland and resort to belittling the OP for whatever reason to make themselves feel better. Again, very strange considering the OP has been open and has explained far more than he has really needed to anyone.
OP, good luck on whatever you decide to finally do. You came for advice and got it from some, and got trolled by others.
All I can take away from this is that xjay1337 has some sort of issue with anyone that has a better car than himself... or so it appears that way and is a little bit upset because he thinks the OP is trying to give the impression of wealth (even though he isn't). Which is very strange.
Both Twinexit and TinRobot are, for lack of a better word,
s. Both seem to have a problem with Scotland and resort to belittling the OP for whatever reason to make themselves feel better. Again, very strange considering the OP has been open and has explained far more than he has really needed to anyone.Derek 911 said:
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 wk, 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 fk 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
Call me what you like 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 What your telling everybody is you dont have any money to buy a car but still wont shut up about it
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