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Old 15-06-09, 12:16 PM   #11
Spiderman
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Default Re: Car buying FAIL!!!

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.
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Old 15-06-09, 12:20 PM   #12
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Default Re: Car buying FAIL!!!

Quote:
Originally Posted by 454697819 View Post
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.
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Old 15-06-09, 01:42 PM   #13
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Default Re: Car buying FAIL!!!

Quote:
Originally Posted by 454697819 View Post
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.
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Old 15-06-09, 01:43 PM   #14
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Default Re: Car buying FAIL!!!

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
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Old 15-06-09, 01:50 PM   #15
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Default Re: Car buying FAIL!!!

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.
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Old 15-06-09, 02:11 PM   #16
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Default Re: Car buying FAIL!!!

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 it's not a position I've been in.
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Old 15-06-09, 02:24 PM   #17
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Default Re: Car buying FAIL!!!

Quote:
Originally Posted by SoulKiss View Post
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.
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Old 15-06-09, 02:40 PM   #18
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Default Re: Car buying FAIL!!!

Quote:
Originally Posted by Spiderman View Post
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")
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Old 15-06-09, 02:46 PM   #19
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Default Re: Car buying FAIL!!!

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.
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Old 15-06-09, 02:49 PM   #20
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Default Re: Car buying FAIL!!!

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

what a **** lol
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