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  • FIRST POST
    • Jlawson118
    • By Jlawson118 13th Oct 16, 2:03 PM
    • 666Posts
    • 75Thanks
    Jlawson118
    Will it be cheaper to get a loan with First Direct or use my overdraft with them?
    • #1
    • 13th Oct 16, 2:03 PM
    Will it be cheaper to get a loan with First Direct or use my overdraft with them? 13th Oct 16 at 2:03 PM
    I got my car in August, and whilst I was waiting for a cheque to clear for insurance, I needed to borrow 1000 for a week. First Direct offered me an overdraft for 1000 as it would be cheaper than a loan, and for the week I used it, I was charged around 28p in interest which I find a really good rate.

    Unfortunately this morning, I scraped the drivers door on a low fence in a really tight car park, and when I've just taken it to a bodywork specialist, he informed me I'm going to need a new door. I'm looking at around 300 just to repair it, and right at this moment in time I only really have 300 to my name. I start a part time job in just short of a month, which should be bringing me in about 144 ish a week, so after three weeks I'll have cleared it all. But I don't know if to get a loan until I can pay it off, or stick with my overdraft..?
Page 1
    • Gaz83
    • By Gaz83 13th Oct 16, 2:11 PM
    • 3,534 Posts
    • 6,733 Thanks
    Gaz83
    • #2
    • 13th Oct 16, 2:11 PM
    • #2
    • 13th Oct 16, 2:11 PM
    Is the door mechanically sound? Is the car still watertight?
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
    • DCFC79
    • By DCFC79 13th Oct 16, 2:21 PM
    • 29,227 Posts
    • 18,449 Thanks
    DCFC79
    • #3
    • 13th Oct 16, 2:21 PM
    • #3
    • 13th Oct 16, 2:21 PM
    If it were me i would save x amount of my wage and get it sorted when i had the cash, my own money to pay for it.

    How bad is the scrape ?

    Surely theres a cheaper optoon then the new door ?
    Je Suis Charlie
    • Jlawson118
    • By Jlawson118 13th Oct 16, 4:54 PM
    • 666 Posts
    • 75 Thanks
    Jlawson118
    • #4
    • 13th Oct 16, 4:54 PM
    • #4
    • 13th Oct 16, 4:54 PM
    Is the door mechanically sound? Is the car still watertight?
    Originally posted by Gaz83
    It is mostly water tight, but I'm a little worried about too much rain getting into it. I took it to the car wash earlier because it was filthy and I wanted to see the extent of the damage without the dirt all around it. And it was a hand carwash, but the water from the power wash just came inside, but it's rained quite a lot today and hasn't really come in
    • Jlawson118
    • By Jlawson118 13th Oct 16, 4:55 PM
    • 666 Posts
    • 75 Thanks
    Jlawson118
    • #5
    • 13th Oct 16, 4:55 PM
    • #5
    • 13th Oct 16, 4:55 PM
    If it were me i would save x amount of my wage and get it sorted when i had the cash, my own money to pay for it.

    How bad is the scrape ?

    Surely theres a cheaper optoon then the new door ?
    Originally posted by DCFC79
    The scrape is really bad and the door is bent at the top, it is a new door job and it needs doing really quickly. Though my step dad has offered to lend me the money, and I spoke to my grandma on the phone and I think she wants to cover it
    • DCFC79
    • By DCFC79 13th Oct 16, 6:54 PM
    • 29,227 Posts
    • 18,449 Thanks
    DCFC79
    • #6
    • 13th Oct 16, 6:54 PM
    • #6
    • 13th Oct 16, 6:54 PM
    The scrape is really bad and the door is bent at the top, it is a new door job and it needs doing really quickly. Though my step dad has offered to lend me the money, and I spoke to my grandma on the phone and I think she wants to cover it
    Originally posted by Jlawson118
    Just seen your previous message, i was going on the idea you had just scraped the door on the low fence, so had you bent the door at the same time.

    Maybe a neww door is what you need.
    Je Suis Charlie
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