Car buying FAIL!!!

[the_lone_wolf]

Kid buys 4yr old poverty spec clio on finance for a cool ~£10,000 (http://forums.overclockers.co.uk/showthread.php?t=18019506)

http://assets.knowyourmeme.com/i/277/original/Bike_doing_it_wrong.jpg

:smt120

[yorkie_chris]

Foooookinell what a nugget!

[timwilky]

the poor lad. noddy car, overpriced and on expensive finance over 5 years

[G]

The mind boggles sometimes :rolleyes:

I know someone who has always had nice car, currently driving around in an A4 SLine Cabriolet.

They have all been on fianance though, and every time he upgrade....so now he is in a £30k car with £45k fianance.....crazy if you ask me.

[Stu]

Is it worth reading past the 1st page?

It's scary stuff, as easily done.

[the_lone_wolf]

Is it worth reading past the 1st page?

You get to find out how much he paid to insure it...;)

[yorkie_chris]

Is it worth reading past the 1st page?

Worth flicking through, there's some belters;

Awesome deal! Would you be interested in buying a bucket of steam and a left handed sponge to clean it with?

[Graciepants]

2400 FC for a 4 yr old clio?!?!?!?!?!?!?!?!!?!?!?!?!?!?!
i was 18, no ncb, first car registered in my name, mk3 golf gti 2.0l petrol - half that!this boy scares me....

[fizzwheel]

Oh dear... I feel quite sorry for that young lad salesman has done him good and proper there.

I dont get the mentality of some people, he knew the guys on that forum woudl rip the mick out of him and yet he still posted about it. I'd have kept my mouth firmly shut.

Oh and YC - tell me more about this left handed sponge. I'm a leftie I could do with one of them sounds ideal for my purposes...

[454697819]

sounds like miss selling of finacial products..?

[Spiderman]

Poor kid. Hope he only tells people on the internet and lies to his friends otherwise EVERYONE he knows is gonna be laughing at him.

And WTF is it with all the users of that forum having the exact same avatars??? I was getting baffled as to who said what at points, lol.

[fizzwheel]

sounds like miss selling of finacial products..?

Reading a bit more he sounds like

1. He knew exactly what he was getting into
2. He was desperate for a car
3. He had a terrible credit rating

IIRC Carcraft will find a way to sell you a car on any terms they can get, if he had bad credit rating he might have been very limited as to what finance he could get.

Everybody has to start somewhere when building up credit but I wouldnt have done that.

[Gazza77]

sounds like miss selling of finacial products..?

Doesn't sound like anything of the sort. Sounds like a muppet buying an overpriced car on a high rate of finance. ;)

[Stu]

Sorry can't read past the 3rd page it's upsetting me too much.

Can't believe the unfair grief he is getting :(

The kid has a job but no savings. He says public transport is not an option. So why not spend £150 a month on a car that will reliably get him to work. Better to have a job & pay over the odds for a car than not have a job. IMO

Personally i'd rather buy a car for £100 than get one on finance, but to him reliability is important.
As to the insurance how can you say £2400 is not fair. He lives in Bradford there could be rioting every other night for all I know, you just can't compare with what oter people got just because they are a similar age.

Complete nobs on that site that think "should have got alloys at that price" is a worthwhile post :roll:
:mad:

[SoulKiss]

Thing is its Blackhorse thats providing the finance from what I read in the thread.

So if they would do it through the scammers (only way to describe CarCraft(y)) then a main dealer would have been able to get him the finance too, but on a new vehicle perhaps.

He IS worthy of laughing at - he's a VERY good symbol of whats wrong in this country and the "got to have it at all costs" attitude - its why we have stupidly high house prices even AFTER a crash.

I dont see how you can regard it as "easily done" who sits down with someone who says

"This car will cost you £4k, but oh you want it on finance - let me see, ok I can give you it for £150/month which means you will pay back £7200" and think its a good deal.

I have never owned a car worth more than £800 - in fact £600 might even be closer to the real max value.

[Stu]

I agree David it's not the route I would choose. But from the limited facts I've seen he's tried the cheap car route (the Punto). But if a reliable car is the only way of keeping his job then it's not a case of "got to have it at all costs" attitude.
His credit is screwed (Dad made several applications in his name - lots of house moves) so it would make snse to me that Carcraft would be the only place he can get credit, if I'm wrong :smt102 it's not a position I've been in.

[Spiderman]

I dont see how you can regard it as "easily done" who sits down with someone who says

"This car will cost you £4k, but oh you want it on finance - let me see, ok I can give you it for £150/month which means you will pay back £7200" and think its a good deal.


Trust me, its easily done.... by the guilible.

Dont forget i worked in sales most of my life and you would never tell a potential client that "your £4K car will end up costing you £x."

The idea is to make is sound so easy to afford and simple to do. The fear is they will ask you for a calculator and do their own maths and see exactly how it will cost at the end, throw the calcualtor at you and storm off calling you "a bunch of thieving gits"

Mate i used to get people on holiday to walk off the street, jump into a cab and be driven halfway round to the other aide of the island to look at timeshare flats to buy. these were people who'd just had breakfast and had plans to go for a walk to the beach and they got taken in by the sales speech! And none of them were allowed to be under 30 (for finance reasons) and if they showed me the credit card (so the salesmen knew they had plastic to do the deposit on) they got an extra freebie...a t-shirt.

So believe me, the best salesmen are also the ones who are good at manipulating you psychologicaly into thinking you just made the best move you've made in a long time.

Look at the first few posts that kid puts up, he's over the moon with the "great buy" he has just made.

if i needed a car that badly i'd look on the net for an old japanese car that was in fair nick and not spend more than £500 on it btu he clearly wanted a "new" car and the new car smell was probably too much for him.

[Stu]

he clearly wanted a "new" car and the new car smell was probably too much for him.
You know it's 4 yrs old? :???:

(I know you put "new") :confused:

[Spiderman]

I know, he's young and a 4 yr car is probably as close to new as he's gonna get...or so he thought. I'm sure a main dealer would have happily fleeced him on the finance and let him out the door with a pre-registered something tho.

i feel sorry for him to a degree...in the same way i feel sorry for people who tred in dog turds. Its unpleasant but could have been avoided if they had their eyes open.

[jamesterror]

hes still got till the 17th to cancel the contract :/

what a **** lol

[Spiderman]

hes still got till the 17th to cancel the contract :/

what a **** lol

Really? Why? i ddint read the whole thread on their forum.

[jamesterror]

Really? Why? i ddint read the whole thread on their forum.

Actually, my miss-interpretation, he got the car on the 6th by my understanding but posted on the 11th..

By law (Consumer Credit Act I think) you have a 7 day cooling period where you can cancel a credit agreements contract.

[sinbad]

Poor kid. Places like Carcraft do this to people all the time. I feel sorry for him, because A: he's got this weight around his shoulders now, and B: He's young and says he has a "live in the moment" attitude and wanted to buy something, and he chose to splash out on a crappy Clio. They're okay as transport, but living life to the full it is not.

[Graciepants]

hes still got till the 17th to cancel the contract :/

what a **** lol

no i dont think he does - lots of people have commented - carcraft dont have a cooling off period

[jamesterror]

no i dont think he does - lots of people have commented - carcraft dont have a cooling off period

Its an enforced law to stop people getting done over, the business cannot rule out that as there has to be some cooling off periods, some businesses are generous and have 14 day cooling off periods but your purchase has to be spot on how you recieved it.

[Gazza77]

Actually, my miss-interpretation, he got the car on the 6th by my understanding but posted on the 11th..

By law (Consumer Credit Act I think) you have a 7 day cooling period where you can cancel a credit agreements contract.

Not if signed on the premises of someone with a Consumer Credit License. That only applies if you've had the docs posted out to you...

[Graciepants]

Yeh he said earlier there wasnt one, which was explained to him and he agreed to it when he signed it


page 6

[jamesterror]

Not if signed on the premises of someone with a Consumer Credit License. That only applies if you've had the docs posted out to you...

Useful for my business exam tomorrow just in case, thank you :)

page 6

oh right, what a doughnought

[Wideboy]

this is a whined up??

i know inbreds with more intelligence than that

[Jamiebridges123]

sounds like miss selling of finacial products..?

Kinda... he was probably told exactly how much it cost..

More like shame on him for being a mong! :smt072

[TazDaz]

What a retard...I would go on to say why I think he's a retard but it's pretty damn obvious!

If he got accepted at carcraft place, where the cars are already massively overpriced before the APR hits, then I'm sure he could have got a better deal. The guy clearly seems to think he's not done something silly...fool!

I do wonder if he took payment protection...recession etc...could be funny for him!

[dirtydog]

I used to work with a bloke who went to carcraft as they had a "special offer" on, he didn't meet the criteria for the low apr "offer" so they offered the same car but on an APR of 19% over 5 years.
Needless to say he had the sense to walk away

[Holdup]

I used to work with a bloke who went to carcraft as they had a "special offer" on, he didn't meet the criteria for the low apr "offer" so they offered the same car but on an APR of 19% over 5 years

Is that you posting on that forum or is there a copy cat dirtydog on there?

[dirtydog]

nope not me, there is an imposter!

[yorkie_chris]

A friend of mine has the luck of the irish with cars. He bought one festering fiesta (proper sh**ter), but it had 12 months MOT, for £50. By some miracle it passed the next MOT too, after doing nearly 22k with no attention at all apart from topping it up with the cheapest oil going (used 20w50!), he finally scrapped it when it turned out the floor under the passenger footwell was mainly body filler and crushed beer cans. He got £60 for it as scrap!

[Jamiebridges123]

Bargin YC! Made £10! Lmao

[ljharmitt]

OMFG got to the 8th page and cant read anymore before i slap him..

[Jamiebridges123]

OMFG got to the 8th page and cant read anymore before i slap him..

Is quite a plonker (understatement) isn't he.. someone doesn't do their research.. :|

[Bluewolf]

Oh deary deary deary me... :shock:

[Kinvig]

I laughed.

To qoute Homer J. Simpson, "It's funny because it's not me."

[metalangel]

Reading it now but he is a clot... your first car *should* be an old piece of **** that you bought for the shrapnel in your pocket - but you'll love it nevertheless (my first car that was actually mine was a Volvo 440, which I crashed, bought an identical repalcement... all in all got three years no problems out of them).

A guy in my work has just learned to drive (he's 21) and has been 'done over' but not as bad - he's bought an ancient (P or R reg, can't remember) 106 0.5 litre 'Desperation Edition' with 'only' 14k on it, for something like £1,500. I kept telling him that he's paying about four times what the car is worth, that age will ravage a car just like mileage, that if someone has only done 14,000 miles in over a decade then they probably drove it at 20mph in fifth everywhere and the engine was never run in and so it'll be knackered (plus it's French)... but he refused to listen and is out happily spending a fortune on satnavs and new radios which, when he fills the tank, double what the car's actually worth.

The folly of youth, I suppose. *is 29* *creaks*

edit: epic LOL at this:


MY CAR WAS OVAAAAH NIIINE THOUUUSSAAAAAAND!!!!

[captainsmelly]

A very small part of me actually felt sorry for this guy, maybe he's just a bit thick?
And I got to this bit and realise he's just a c*nt

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http://forums.overclockers.co.uk/images/statusicon/post_old.gif 11th Jun 2009, 10:30 PM #180 (http://forums.overclockers.co.uk/showpost.php?p=14266415&postcount=180) James07 (http://forums.overclockers.co.uk/member.php?u=55497)
Wise Guy

http://forums.overclockers.co.uk/images/wiseguy.jpg (http://forums.overclockers.co.uk/member.php?u=55497)

Joined: Dec 2006
Location: Bradford
Posts: 4,766


Quote:
Originally Posted by [TW]Fox http://forums.overclockers.co.uk/images/buttons/viewpost.gif (http://forums.overclockers.co.uk/showthread.php?p=14266390#post14266390)
It's far more likely that the OP also manages to be as bad at shopping car insurance as he is at shopping for cars. He genuinelly reckons the cheapest possible quote on a base Focus is £3800, which of course even with whatever circumstances he has, will not be the case.

Omg why wont it?

You actually think you know it all of something, i did the quote, thats the price i got, im not lying?

Im not stupid ive used 4 comparison sites and 4 normal sites and thats the cheepest ive got, im in Bradford.. The BNP leader knows the main problem with this city and that main problem causes the prices to go up, i think it was 3 out of 10 drivers dont have insurance, theres many stories that i hear about car related incidents in Bradford and my mum works for Bradford police traffic department and she tells me the same kind of stories, hense the high rate of insurance in Bradford, its the same for everyone, all my friends pay over the odds.
2005 Renault Clio (75) 16V
http://forums.overclockers.co.uk/images/statusicon/user_online.gif http://forums.overclockers.co.uk/images/buttons/trust.gif (http://trust.overclockers.co.uk/index.php?u=55497)

[yorkie_chris]

Have you been to Bradford? It's a f***in sh**hole, and 30% of the drivers round there being uninsured would not surprise me in the slightest.

[Professor]

I bought a big brand new car on 1 March (first day of the 09 reg):

http://www.kia.co.uk/New-Cars/Range/Mid-Sized/Magentis.aspx

I paid £8460 which is half the list price. The downside is that I
had to drive all the way up to Preston to pick it up as there was
only one dealership selling at that price.

Buying a small used car for 10 grand beggars belief.

[metalangel]

Bradford isn't great (I used to work there and unless you wanted to get mercilessly drunk and/or get into a fight there was bugger all to do in the city centre) but it's not the worst place I've ever been. Excellent curry :)

[Sir Trev]

I bought a big brand new car on 1 March (first day of the 09 reg):

http://www.kia.co.uk/New-Cars/Range/Mid-Sized/Magentis.aspx

I paid £8460 which is half the list price. The downside is that I
had to drive all the way up to Preston to pick it up as there was
only one dealership selling at that price.

Buying a small used car for 10 grand beggars belief.

My dad just bought a brand new Hyundai i20 for £6,400 (after the scrappage allowances). You can get some ace deals right now so if this guy tried all those and failed he must have a REALLY bad credit rating!! If that's the case then I do feel a bit sorry for him. Although, to be paying that much for so little, just because he needs it for work, it may have been better and a lot cheaper to change jobs!!

[yorkie_chris]

Buy a banger for £300... he could blow one up every few weeks and be better off!