Glad I had my Range Rover on the beach today...

[anonymous-user]

lyonspride said:

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

Edited by lyonspride on Thursday 25th April 09:47

Take it you bought your house(s) in cash?

[Turfy]

Le Controleur Horizontal said:

skyrover said:

A Defender with big fat tyres will have no problem on sand unless seriously loaded up.

Try it on deep beach pebbles........

...or marbles on ice.

[Rawwr]

lyonspride said:

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

If I was made redundant, I'd just keep making the payments. I'd make the payments out of the cash I have in the bank. The cash is in the bank because I didn't spunk it on a major purchase.

I had a Focus ST on PCP which came to an end last month. I now own the car. I purchased it. I purchased it based on a contract to purchase it. I personally purchased it based on a contract.

Fear not, though. The ST is disappearing in a couple of weeks and I'll have a whole new PCP setup for my new Focus.

I really don't understand why anyone would pay cash for something when they can dribble pay it on 0% finance.

[anonymous-user]

lyonspride said:

Rawwr said:

What does the 2nd 'P' in PCP stand for?

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

Edited by anonymous-user on Thursday 25th April 09:47

You been fired at some stage too ?

Your revelation that PCP is a credit product really isn’t particularly illuminating.

It’s not as if nobody knows this.

The BOE gov role is up for dibs, you should chuck your hat in old chap

[anonymous-user]

Rawwr said:

If I was made redundant, I'd just keep making the payments. I'd make the payments out of the cash I have in the bank. The cash is in the bank because I didn't spunk it on a major purchase.

I had a Focus ST on PCP which came to an end last month. I now own the car. I purchased it. I purchased it based on a contract to purchase it. I personally purchased it based on a contract.

Fear not, though. The ST is disappearing in a couple of weeks and I'll have a whole new PCP setup for my new Focus.

I really don't understand why anyone would pay cash for something when they can dribble pay it on 0% finance.

Someone will be along shortly to tell you that there’s no such thing as 0%.

While technically correct it will of course miss the fact that you couldn’t have bought said car for any less using cash as the vendor wont discount any further so why wouldn’t you take the finance deal ?

Nonetheless you will be branded an idiot and a major contributor to impending armageddon

[Pica-Pica]

Brooking10 said:

Rawwr said:

If I was made redundant, I'd just keep making the payments. I'd make the payments out of the cash I have in the bank. The cash is in the bank because I didn't spunk it on a major purchase.

I had a Focus ST on PCP which came to an end last month. I now own the car. I purchased it. I purchased it based on a contract to purchase it. I personally purchased it based on a contract.

Fear not, though. The ST is disappearing in a couple of weeks and I'll have a whole new PCP setup for my new Focus.

I really don't understand why anyone would pay cash for something when they can dribble pay it on 0% finance.

Someone will be along shortly to tell you that there’s no such thing as 0%.

While technically correct it will of course miss the fact that you couldn’t have bought said car for any less using cash as the vendor wont discount any further so why wouldn’t you take the finance deal ?

Nonetheless you will be branded an idiot and a major contributor to impending armageddon

Of course, dear, of course.

[Rawwr]

Pica-Pica said:

You really believe that finance is ‘0%’ ?

Right on cue

I believe the 0% finance is a lower price to pay than the opportunity cost of paying out £22,500 in one go.

[Rawwr]

Nice edit, Pica-Pica, just too slow

[Rawwr]

Still, I'm glad I don't have a mortgage. All these morons paying tens of thousands of pounds in interest for most of their life because they're too f*cking poor to buy a house. I'd hate to be one of those people. THE IDIOTS.

[lyonspride]

Rawwr said:

lyonspride said:

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

If I was made redundant, I'd just keep making the payments. I'd make the payments out of the cash I have in the bank. The cash is in the bank because I didn't spunk it on a major purchase.

I had a Focus ST on PCP which came to an end last month. I now own the car. I purchased it. I purchased it based on a contract to purchase it. I personally purchased it based on a contract.

Fear not, though. The ST is disappearing in a couple of weeks and I'll have a whole new PCP setup for my new Focus.

I really don't understand why anyone would pay cash for something when they can dribble pay it on 0% finance.

Trouble with the "never never" is the never always comes.

[anonymous-user]

janesmith1950 said:

lyonspride said:

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

Edited by lyonspride on Thursday 25th April 09:47

Take it you bought your house(s) in cash?

Yes this is a totally comparable argument, because a) house prices are so close to car prices in terms of % the average wage, and b)there are lots of 3 year old houses for sale at 50% of their brand new purchase price.

oh wait...

[Rawwr]

lyonspride said:

Trouble with the "never never" is the never always comes.

Did you not read my post?

[lyonspride]

Rawwr said:

lyonspride said:

Trouble with the "never never" is the never always comes.

Did you not read my post?

Yes I did and I was going to comment further, but then other people would get triggered so I deleted the rest and posted just that one line.

[Equilibrium25]

lyonspride said:

Pratt?

It's just finance/credit my a marketable name.

Wait til your made redundant and then see just how much you "own" that car.

Edited by lyonspride on Thursday 25th April 09:47

And there it is...nailed...one of the advantages of PCP. Instead of a massive hole in your savings, you can keep them and retain the possibility to adjust your outgoings should circumstances turn against you.

[popeyewhite]

Rawwr said:

I had a Focus ST on PCP.

There's a surprise.

[Rawwr]

lyonspride said:

Yes I did and I was going to comment further, but then other people get triggered so I deleted the rest and posted just that one line.

So what would you do in my position?

The car MSRP is £27,880.

The price from CarWow was £23,400.

I finally agreed to purchase at £22,500 with a £5,000 deposit, balloon of £10,147 and 36 payments of £205.

Should I have tried to haggle for an even better deal for cash?
Assuming I could have got a better deal for cash, how much better would you expect it to be?
With that new amazing deal, should I have then taken £22,000 out of the bank and bought the car outright?

Tell me where I've gone wrong.

[Rawwr]

popeyewhite said:

Rawwr said:

I had a Focus ST on PCP.

There's a surprise.

Why's that a surprise?

[popeyewhite]

Rawwr said:

popeyewhite said:

Rawwr said:

I had a Focus ST on PCP.

There's a surprise.

Why's that a surprise?

Would a sarcasm smilie have helped?

[Rawwr]

popeyewhite said:

Would a sarcasm smilie have helped?

Explain the joke to me as if though I was a child who didn't understand the sarcasm.

[popeyewhite]

Rawwr said:

popeyewhite said:

Would a sarcasm smilie have helped?

Explain the joke to me as if though I was a child who didn't understand the sarcasm.

Or English?