Why the PH hatred for PCP?
Discussion
TheStigsWeeBrother said:
Deep Thought said:
TheStigsWeeBrother said:
Brooking10 said:
You're coming across as if you just want to antagonise certain folk now.
Really, that’s what you think is antagonising,but “go f
k yourselves is acceptable?Edited by Deep Thought on Wednesday 23 January 15:04
No weakness there though - as i've said i havent had a car on PCP for years.
And i'm not bitter. Why would i be? I'm not the one who has issues with how other people spend their money.
Deep Thought said:
Ah the usual trait of the chip on their shoulder brigade - trawl through past posts and try to find a weakness.
No weakness there though - as i've said i havent had a car on PCP for years.
And i'm not bitter. Why would i be? I'm not the one who has issues with how other people spend their money.
Maybe it’s your anger issues that make you seem bitter.No weakness there though - as i've said i havent had a car on PCP for years.
And i'm not bitter. Why would i be? I'm not the one who has issues with how other people spend their money.
TheStigsWeeBrother said:
Deep Thought said:
Ah the usual trait of the chip on their shoulder brigade - trawl through past posts and try to find a weakness.
No weakness there though - as i've said i havent had a car on PCP for years.
And i'm not bitter. Why would i be? I'm not the one who has issues with how other people spend their money.
Maybe it’s your anger issues that make you seem bitter.No weakness there though - as i've said i havent had a car on PCP for years.
And i'm not bitter. Why would i be? I'm not the one who has issues with how other people spend their money.
Edited by Deep Thought on Wednesday 23 January 19:46
Mandat said:
jimPH said:
Can you PCP houses?
Probably the closest thing is an interest only mortgage.jimPH said:
Maybe we should all PCP our clothes, rent what depreciates right?
You could buy them with a credit / store card, and pay off the card in monthly instalments.nickfrog said:
This indeed confirms the roots of the hatred for PCP: lack of critical thinking and large chip on shoulder.
You keep posting about how smart you are Mr Frog without stopping to contemplate that your 'new vs pcp' calculations are based on a flawed premise. Manufacturers artificially inflate new values to make PCP seem better, isn't that obvious? So calculating comparative values are already flawed - it's a puppet show where the dealer is master of both puppets! The aforementioned points about people who can't afford new creating a false new vs. Pcp dichotomy to justify their incontinence are bang on the money also!
Gordon_Roslin said:
You keep posting about how smart you are Mr Frog without stopping to contemplate that your 'new vs pcp' calculations are based on a flawed premise. Manufacturers artificially inflate new values to make PCP seem better, isn't that obvious? So calculating comparative values are already flawed - it's a puppet show where the dealer is master of both puppets!
The aforementioned points about people who can't afford new creating a false new vs. Pcp dichotomy to justify their incontinence are bang on the money also!
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.The aforementioned points about people who can't afford new creating a false new vs. Pcp dichotomy to justify their incontinence are bang on the money also!
HustleRussell said:
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.
Please explain what ‘list price’ does mean? I had thought it obvious but perhaps I’m wrong.Gordon_Roslin said:
You keep posting about how smart you are Mr Frog without stopping to contemplate that your 'new vs pcp' calculations are based on a flawed premise. Manufacturers artificially inflate new values to make PCP seem better, isn't that obvious? So calculating comparative values are already flawed - it's a puppet show where the dealer is master of both puppets!
The aforementioned points about people who can't afford new creating a false new vs. Pcp dichotomy to justify their incontinence are bang on the money also!
Why the new price of a car is what it is doesn't change that it is.The aforementioned points about people who can't afford new creating a false new vs. Pcp dichotomy to justify their incontinence are bang on the money also!
Comparison of buying new outright vs buying new on PCP is not a "false dichotomy".
"Oh, but you don't have the money to buy new outright". Yeah, ok. So f
king what? bad company said:
HustleRussell said:
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.
Please explain what ‘list price’ does mean? I had thought it obvious but perhaps I’m wrong.Brooking10 said:
bad company said:
HustleRussell said:
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.
Please explain what ‘list price’ does mean? I had thought it obvious but perhaps I’m wrong.HustleRussell said:
Brooking10 said:
bad company said:
HustleRussell said:
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.
Please explain what ‘list price’ does mean? I had thought it obvious but perhaps I’m wrong.bad company said:
HustleRussell said:
Brooking10 said:
bad company said:
HustleRussell said:
Am I going to take car buying advice from somebody who uses the phrase 'list price' in an effort to sound more knowledgeable than they are but who doesn't actually know what 'list price' means.
Please explain what ‘list price’ does mean? I had thought it obvious but perhaps I’m wrong.Gordon_Roslin said:
I've run the numbers Dave. £400 per month x 36 months plus a £3k deposit = £17,400. That's pretty much list price for a used 3 year old 3 series at 2 or 3 years old. So yeah pay that money for nothing over 3 years for it to be 'new' or buy outright at 3 years, choice is yours.
https://www.collinsdictionary.com/dictionary/engli...
List price is the price the manufacturer/seller is charging - whether it is new or not is actually irrelevant. A sticker price doesn't cease to be 'list price' just because the car is used (all cars are used, in as much as some bloke drove them delivery miles).
List price is the price the manufacturer/seller is charging - whether it is new or not is actually irrelevant. A sticker price doesn't cease to be 'list price' just because the car is used (all cars are used, in as much as some bloke drove them delivery miles).
Oh and by the way the comparison to mortgages, as if anyone with a mortgage who loathes PCP is a hypocrite, is preposterous.
Pretty much nobody has the money to just 'buy a second hand house', as they don't fall in value relative to new houses like cars do. So a mortgage is perfectly reasonable.
Most people could, someway, somehow, put together £5k for a decent used car if they so wish. Instead they PCP and convince themselves that it somehow makes sense by comparing to the cost of a new car that they couldn't afford anyway and that has been jacked up specifically for the purpose of making PCP appear attractive. Two very different things.
The rampant ageism against me personally for holding these perfectly valid viewpoints (not that I've ever even said how old I am) isn't pleasant either. 'Alright grandad, living within your means, saving hard, working hard, investing etc. are all for old codgers', is that really where we are at?
Simple fact: manufacturers didn't invent PCP to save customers money. Cars got too expensive for the average person to afford , as did mobile phones. So in came the monthly contract model, for both. It really is that simple.
Can some people find examples of where PCP has worked for them? Yes, but that doesn't mean PCP is a good thing for most people! there are people who smoke every day for 50 years and by definition don't get cancer, or sink 10 pints a day for 10 years and don't die of liver disease, we are talking about what is best for the most people and PCP is not!!
Pretty much nobody has the money to just 'buy a second hand house', as they don't fall in value relative to new houses like cars do. So a mortgage is perfectly reasonable.
Most people could, someway, somehow, put together £5k for a decent used car if they so wish. Instead they PCP and convince themselves that it somehow makes sense by comparing to the cost of a new car that they couldn't afford anyway and that has been jacked up specifically for the purpose of making PCP appear attractive. Two very different things.
The rampant ageism against me personally for holding these perfectly valid viewpoints (not that I've ever even said how old I am) isn't pleasant either. 'Alright grandad, living within your means, saving hard, working hard, investing etc. are all for old codgers', is that really where we are at?
Simple fact: manufacturers didn't invent PCP to save customers money. Cars got too expensive for the average person to afford , as did mobile phones. So in came the monthly contract model, for both. It really is that simple.
Can some people find examples of where PCP has worked for them? Yes, but that doesn't mean PCP is a good thing for most people! there are people who smoke every day for 50 years and by definition don't get cancer, or sink 10 pints a day for 10 years and don't die of liver disease, we are talking about what is best for the most people and PCP is not!!
Gordon_Roslin said:
https://www.collinsdictionary.com/dictionary/engli...
List price is the price the manufacturer/seller is charging - whether it is new or not is actually irrelevant. A sticker price doesn't cease to be 'list price' just because the car is used (all cars are used, in as much as some bloke drove them delivery miles).
You said 'thats pretty much list price for a used 3 year old 3 series'.List price is the price the manufacturer/seller is charging - whether it is new or not is actually irrelevant. A sticker price doesn't cease to be 'list price' just because the car is used (all cars are used, in as much as some bloke drove them delivery miles).
There is no "list price" for a 3 year old car by anyones definition. You only have to look at the Collins definition you linked to to see that "The list price of an item is the price which the manufacturer suggests that a shopkeeper should charge for it." - ie, what Heinz suggest shopkeepers charge for a can of beans.
Used car prices are not set by the manufacturer.
The absolute first definition that pops up when you google it sums it up nicely "the price of an article as shown in a list issued by the manufacturer."
It would be easier just to admit you were wrong and made a mistake on this BTW, trying to brazen it out is going to make you look VERY foolish and remove any credibility you had remaining.
Edited by Deep Thought on Thursday 24th January 21:36
Gordon_Roslin said:
Can some people find examples of where PCP has worked for them? Yes, but that doesn't mean PCP is a good thing for most people!
No one said it was. Sometimes it works out cheapest for people, a lot of the time it doesnt.I'm not sure why you want to broad brush that view on to everyone, just so you can be "outraged" on the internet?
Is it a "good thing" for someone to PCP a car? If its fulfilling their requirements within the monthly budget they set then why not? Maybe next time they'll buy something used, or do something else entirely. As i said other people PCPing cars would not make the top 100 things that would annoy me about them if i gave a f
k about what "the masses" do.Edited by Deep Thought on Thursday 24th January 21:32
Edited by Deep Thought on Thursday 24th January 21:33
Gordon_Roslin said:
Oh and by the way the comparison to mortgages, as if anyone with a mortgage who loathes PCP is a hypocrite, is preposterous.
Pretty much nobody has the money to just 'buy a second hand house', as they don't fall in value relative to new houses like cars do. So a mortgage is perfectly reasonable.
Most people could, someway, somehow, put together £5k for a decent used car if they so wish. Instead they PCP and convince themselves that it somehow makes sense by comparing to the cost of a new car that they couldn't afford anyway and that has been jacked up specifically for the purpose of making PCP appear attractive. Two very different things.
The rampant ageism against me personally for holding these perfectly valid viewpoints (not that I've ever even said how old I am) isn't pleasant either. 'Alright grandad, living within your means, saving hard, working hard, investing etc. are all for old codgers', is that really where we are at?
Simple fact: manufacturers didn't invent PCP to save customers money. Cars got too expensive for the average person to afford , as did mobile phones. So in came the monthly contract model, for both. It really is that simple.
Can some people find examples of where PCP has worked for them? Yes, but that doesn't mean PCP is a good thing for most people! there are people who smoke every day for 50 years and by definition don't get cancer, or sink 10 pints a day for 10 years and don't die of liver disease, we are talking about what is best for the most people and PCP is not!!
Never mind thatPretty much nobody has the money to just 'buy a second hand house', as they don't fall in value relative to new houses like cars do. So a mortgage is perfectly reasonable.
Most people could, someway, somehow, put together £5k for a decent used car if they so wish. Instead they PCP and convince themselves that it somehow makes sense by comparing to the cost of a new car that they couldn't afford anyway and that has been jacked up specifically for the purpose of making PCP appear attractive. Two very different things.
The rampant ageism against me personally for holding these perfectly valid viewpoints (not that I've ever even said how old I am) isn't pleasant either. 'Alright grandad, living within your means, saving hard, working hard, investing etc. are all for old codgers', is that really where we are at?
Simple fact: manufacturers didn't invent PCP to save customers money. Cars got too expensive for the average person to afford , as did mobile phones. So in came the monthly contract model, for both. It really is that simple.
Can some people find examples of where PCP has worked for them? Yes, but that doesn't mean PCP is a good thing for most people! there are people who smoke every day for 50 years and by definition don't get cancer, or sink 10 pints a day for 10 years and don't die of liver disease, we are talking about what is best for the most people and PCP is not!!
What car do you drive and what cars do you like given that you are on the UK’s, indeed perhaps the world’s, biggest and best motoring forum ?
As for loathing PCP, simple answer, don’t use it and stop fretting, it really cannot do you any harm
Edited by anonymous-user on Thursday 24th January 22:24
Gordon_Roslin said:
Cars got too expensive for the average person to afford , as did mobile phones. So in came the monthly contract model, for both. It really is that simple.
Have cars really got more expensive relative to earnings or even general prices? New cars have always been too expensive for the average person to afford. PCP or no PCP.Gassing Station | Car Buying | Top of Page | What's New | My Stuff