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Subject Topic: Buying a car.
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PersonColin21
22/2/2022 at 8:59pm
 Location: East Herts
 Outfit: 1992 Elddis Wisp 450CT + X Trail View Colin21's Profile View Profile   Reply to Colin21 Reply   Quote Colin21 Quote  
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Quote: Originally posted by saxo1 on 22/2/2022
Quote: Originally posted by Colin21 on 22/2/2022
Never had any dealings with PCP, but maybe the company leasing the car out has to pay for any breakdown repairs? Not too sure of such things work, but if that is the case I would regard it as a kind of insurance against breakdowns.


The PCP will only cover normal wear a tear items or if a new car warranty items, and you must have it serviced at the specified mileage and not exceed the stated annual mileage at the end of the contract.
saxo1



Thanks for the info Saxo, I had no idea about such things as I am not in a financial position to even think of taking one out. From what you are saying it wouldn't appeal to me even if I could afford it. If I were leasing a vehicle, as opposed to owning it outright, I would expect the owning company to be totally responsible for everything apart from putting fuel in it, taxing it, and insuring it. If that is not the case I can't really see the appeal of leasing. Think I'll stick with owning my "old banger".



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Best Regards,
Colin


Personbessie500
via mobile 22/2/2022 at 10:20pm
 Location: Lancashire
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Jsparkes I’d try and talk your daughter into talking the family loan,

whatever loans she takes could reduce the value of mortgage she can get,
I wouldn’t mention any family loan whilst applying for a mortgage either.

As for getting discount on cars I’d be very surprised if you’ll can get any discount, most dealerships are advertising that they buy your cars just to try and get stock in, my friend has just sold his wife’s car back to the supplying dealer at 11 months olds for £300 less than he paid for it,
I sell commercial vehicles for a living, prices are sky high due to lack of equipment and nobody is giving or even asking for discount

Bessie


Personblueexpo97
23/2/2022 at 6:39am
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Quote: Originally posted by saxo1 on 22/2/2022
Quote: Originally posted by Colin21 on 22/2/2022
Never had any dealings with PCP, but maybe the company leasing the car out has to pay for any breakdown repairs? Not too sure of such things work, but if that is the case I would regard it as a kind of insurance against breakdowns.


The PCP will only cover normal wear a tear items or if a new car warranty items, and you must have it serviced at the specified mileage and not exceed the stated annual mileage at the end of the contract.
saxo1




You can exceed the mileage but will have to pay the difference at the end of contract.

Some companies quote between 3p-30p others 4p-70p per mile over the contract.

You can reduce the monthly payment by telling them you are going to do a very low mileage and then pay the difference at the end. This is a short term fix as you obviously need to make it up in mileage charge.
You, as always, need to work out what's best for you.

snar

-------------
XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.


PersonSitona
via mobile 23/2/2022 at 8:24am
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The main thing banks look at currently when deciding on mortgages is affordability according to their own criteria. Having a loan for a car will impact on that and will affect the amount they are prepared to lend. This was certainly the case when my kids recently bought houses.



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