How do you use PCP?
Discussion
TheStigsWeeBrother said:
roadsmash said:
TheStigsWeeBrother said:
roadsmash said:
Oh god!
Caught red handed!!! We’ve got a monthly insurance payer here!!!
BUYS ALL HIS CARS CASH BUT HASNT GOT ENOUGH LEFT IN THE BANK TO INSURE IT UP FRONT!!!
Do you know how pathetic that sounds?
That’s what you sound like when you and your other cronies claim that all who PCP have no cash.
It was a very simple question but obviously not simple enough for you. Caught red handed!!! We’ve got a monthly insurance payer here!!!
BUYS ALL HIS CARS CASH BUT HASNT GOT ENOUGH LEFT IN THE BANK TO INSURE IT UP FRONT!!!
Do you know how pathetic that sounds?
That’s what you sound like when you and your other cronies claim that all who PCP have no cash.
1) Where did I say I buy all my cars cash?
2) Wher have people said that ALL PCP'ers have no money?
3) Do you actually believe that EVERY PCP'er has the full purchace price in the bank?
4) Could you answer the original question without all the hyperbole/lies?
Edited by TheStigsWeeBrother on Wednesday 23 January 07:23
But I’ll answer the PCP’ing isn’t spreading the cost question...
...Of course it is. With an optional balloon at the end.
Jesus Christ.
Let people buy cars how they want stop being so bothered.
Have a day off.
petrolhead4 said:
Car-Matt said:
:-)
Seriously though I see a lot of PCP talk on here and some folk seem to think they have the moral high ground by either running sheds, using a bank loan or buying for cash as opposed to PCP.
I find the fascination with how other people fund their cars utterly bizarre if i'm honest.
Couldn't give two hoots about who earns more at the end of the month. But I am kinda interested to hear whether people see car finance as a financial vehicle to fund cars that would otherwise not be possible with cash or a useful tool to keep cash in bank.Seriously though I see a lot of PCP talk on here and some folk seem to think they have the moral high ground by either running sheds, using a bank loan or buying for cash as opposed to PCP.
I find the fascination with how other people fund their cars utterly bizarre if i'm honest.
This also applies across all different kinds of wealth and statuses from the 18YO earning 20K financing their first hot hatch, a 60YO on 300K financing their new Ferrari or even a 30YO with 5 million in cash and assets financing a Huracan Perfomante.
TX.
roadsmash said:
TheStigsWeeBrother said:
roadsmash said:
TheStigsWeeBrother said:
roadsmash said:
Oh god!
Caught red handed!!! We’ve got a monthly insurance payer here!!!
BUYS ALL HIS CARS CASH BUT HASNT GOT ENOUGH LEFT IN THE BANK TO INSURE IT UP FRONT!!!
Do you know how pathetic that sounds?
That’s what you sound like when you and your other cronies claim that all who PCP have no cash.
It was a very simple question but obviously not simple enough for you. Caught red handed!!! We’ve got a monthly insurance payer here!!!
BUYS ALL HIS CARS CASH BUT HASNT GOT ENOUGH LEFT IN THE BANK TO INSURE IT UP FRONT!!!
Do you know how pathetic that sounds?
That’s what you sound like when you and your other cronies claim that all who PCP have no cash.
1) Where did I say I buy all my cars cash?
2) Wher have people said that ALL PCP'ers have no money?
3) Do you actually believe that EVERY PCP'er has the full purchace price in the bank?
4) Could you answer the original question without all the hyperbole/lies?
Edited by TheStigsWeeBrother on Wednesday 23 January 07:23
But I’ll answer the PCP’ing isn’t spreading the cost question...
...Of course it is. With an optional balloon at the end.
Jesus Christ.
Let people buy cars how they want stop being so bothered.
Have a day off.
I have never said I buy all my cars cash so another lie.
Everyday is a day off for me.
TheStigsWeeBrother said:
You said I pay my insurance monthly which is a lie.
I have never said I buy all my cars cash so another lie.
Everyday is a day off for me.
How can it be a lie if I never knew the truth?I have never said I buy all my cars cash so another lie.
Everyday is a day off for me.
For someone to lie, they must know what they’re saying is not true.
I did not.
Besides, it was clearly a flippant joke.
If you don’t pay all your cars cash then you shouldn’t be so opposed to PCP.
TheStigsWeeBrother said:
roadsmash said:
How can it be a lie if I never knew the truth?
For someone to lie, they must know what they’re saying is not true.
I did not.
Besides, it was clearly a flippant joke.
If you don’t pay all your cars cash then you shouldn’t be so opposed to PCP.
Claiming ignorance just makes you look a bigger moron to be honest.For someone to lie, they must know what they’re saying is not true.
I did not.
Besides, it was clearly a flippant joke.
If you don’t pay all your cars cash then you shouldn’t be so opposed to PCP.
I’ll tell you who is ignorant though.
You.
Despite the pros of PCP you seem to just claim it’s terribly awful and a cancer to the world.
No doubt you will now reply “when did I say it was a cancer to the world.”
- Shake my head*
You imply it and that’s enough.
Relax, more and more people are PCP’ing and there’s nothing you can do to stop them.
Muahahahahahaha!
Edited by roadsmash on Wednesday 23 January 19:28
roadsmash said:
TheStigsWeeBrother said:
roadsmash said:
How can it be a lie if I never knew the truth?
For someone to lie, they must know what they’re saying is not true.
I did not.
Besides, it was clearly a flippant joke.
If you don’t pay all your cars cash then you shouldn’t be so opposed to PCP.
Claiming ignorance just makes you look a bigger moron to be honest.For someone to lie, they must know what they’re saying is not true.
I did not.
Besides, it was clearly a flippant joke.
If you don’t pay all your cars cash then you shouldn’t be so opposed to PCP.
I’ll tell you who is ignorant though.
You.
Despite the pros of PCP you seem to just claim it’s terribly awful and a cancer to the world.
No doubt you will now reply “when did I say it was a cancer to the world.”
- Shake my head*
You imply it and that’s enough.
Relax, more and more people and PCP’ing and there’s nothing you can do to stop them.
Muahahahahahaha!
He just seems to enjoy stirring the pot and doesn’t much like answering questions put to him on the subject but instead lobs the odd grenade about and then steps back.
Who gives a st, i always laugh at these same threads on here where its made out that anyone who buys on finance is a pleb.
Well, maybe if you are an actual pleb but for some people we are actually happy to pay x per month for usage of a car which is beyond what they can afford or even be happy to pay outright.
Some pcp deals are incredibly painful and im amazed anyone would take them up, but if you have some brain you can work that out and find one which is acceptable.
If manufactuers had to rely on people buying outright they would have gone bust years ago!
Well, maybe if you are an actual pleb but for some people we are actually happy to pay x per month for usage of a car which is beyond what they can afford or even be happy to pay outright.
Some pcp deals are incredibly painful and im amazed anyone would take them up, but if you have some brain you can work that out and find one which is acceptable.
If manufactuers had to rely on people buying outright they would have gone bust years ago!
Brooking10 said:
In fairness to TSWB I don’t recall him saying such things.
He just seems to enjoy stirring the pot and doesn’t much like answering questions put to him on the subject but instead lobs the odd grenade about and then steps back.
Well he’s had some of his posts deleted so all good.He just seems to enjoy stirring the pot and doesn’t much like answering questions put to him on the subject but instead lobs the odd grenade about and then steps back.
nickfrog said:
I'd still like a pic of the Mk1 Golf GTI though, as suggested. Brilliant cars.
I wouldnt hold your breath mind you. Sticking a line on a profile is quite different from actually owning one.And he seems to have been far too busy being angry on the internet to have time to post pics of the alleged car.
Edited by Deep Thought on Thursday 24th January 13:17
Integroo said:
Dr Jekyll said:
I've got quite a bit of financial and accounting knowledge and letters after my name to prove it, and PCP doesn't look attractive to me all other things (discounts etc) vaguely equal.
My PCP gave me a £5,500 discount and 0% APR. No brainer, huh?
jimPH said:
Can we get back on track. The topic was "how do you use PCP". I was quite enjoying the anecdotes.
Well i will explain my recent but first use of pcp. I am not usually into car finance as once your in your in and theres no easy way out.However, what started as buying a car for 10-15k outright ended up with not being satisfied at what was on offer for various reasons. It creeps up and gets to a point where you cant afford to buy it outright, in this case i could of bought it outright but i didn't want to spend all of the money i had when i know things can happen in life, for example the day we got the car our boiler went
I looked around, worked out the deals which were being offered and negotiated a deal we were happy with. Part of what i like is the gfv is very strong, its not a risk i would like to take IF i was to buy outright, for now someone else has that risk. When i factor in the car had some discount because it had sat for a while and nearly 3 years warranty that helps to offset the interest.
I am well aware its a waste of money, but so is beer, nice food, cocaine, strippers, holidays and infact almost anything which isn't some sort of investment which lots of people seem to piss up the wall everyday. Somewhere in life you have to accept that nice stuff costs money. Coupled with the fact the mrs pays towards it we have a very nice car on the drive for a cost we are happy with.
All that said though i would be very very unlikely to buy a fun car on pcp or finance.
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