car credit advice

[marco]

Seriously bud, they don't deserve your custom.
You're only financing 60% of the purchase price, get another deal somewhere else.

yes its pissed me off now,going to phone them in the morning to get the deposit returned back into my bank account and move on

 

[crublue1]

so if the information is correct then at present the search wont be on file until its updated?,,then should be ok to move on to say Arnold Clarke

It doesn't matter when it's filed mate, you're only trying to raise 6k. To have a couple of searches whilst trying to buy a car is normal. Experian know this, and factor it in.

 

[crublue1]

The information is correct but Evans Halshaw could also advise them
It was their Mistake. Slight chance They may remove the search

Just my opinion, but Evans halshaw will do fuck all to even try to help the op in that respect.
They've sold the car. That's all they care about.

 

[grant1977]

Just my opinion, but Evans halshaw will do fuck all to even try to help the op in that respect.
They've sold the car. That's all they care about.

Probably right mate tbf

 

[Uncle Wally One Ball]

yes its pissed me off now,going to phone them in the morning to get the deposit returned back into my bank account and move on

Good call

 

[crublue1]

Probably right mate tbf

Yeah I know how these cunts work.
Wasn't having a pop at you, it was a good suggestion.

 

[dickie davies]

For a loan I'd approach whoever you bank with for £7,500
The chances are it'll be less than a dealership will offer snd generally when you borrow 7.5k+, the rate drops

A six grand loan over 3 years with Santander is 4.5% with repayments of £178.34
Total amount payable £6,420.24 (£420 interest)

Whereas the rate drops to 3.1% for a £7,500 loan. The three year loan payments are £218.30
Total amount payable £7,858.80. (£359 interest)

 

[crublue1]

For a loan I'd approach whoever you bank with for £7,500
The chances are it'll be less than a dealership will offer snd generally when you borrow 7.5k+, the rate drops

A six grand loan over 3 years with Santander is 4.5% with repayments of £178.34
Total amount payable £6,420.24 (£420 interest)

Whereas the rate drops to 3.1% for a £7,500 loan. The three year loan payments are £218.30
Total amount payable £7,858.80. (£359 interest)

The first option, despite the higher rate, sounds perfect for the op. Good post

 

[crublue1]

I'm going to make a little prediction here, and I hope I'm proven wrong.
When the op asks for his deposit back, they will tell him 5 working days to transfer it.
But I'm willing to bet that when he put his deposit down, the money disappeared like a fart in the wind.

 

[Onholiday(somemightsay)]

For a loan I'd approach whoever you bank with for £7,500
The chances are it'll be less than a dealership will offer snd generally when you borrow 7.5k+, the rate drops

A six grand loan over 3 years with Santander is 4.5% with repayments of £178.34
Total amount payable £6,420.24 (£420 interest)

Whereas the rate drops to 3.1% for a £7,500 loan. The three year loan payments are £218.30
Total amount payable £7,858.80. (£359 interest)

Not high on the intricacies of purchasing a car (although soon to do so myself*), but if eligible would a zero percent credit card not be the ticket (should be able to get anywhere up to 25 months to clear it)?

*Anyone's advice on electric cars appreciated.............