Anything I can possibly do?

opinions4u

JayLeeMillar wrote: »

Unless you have anything useful to say then I suggest you you take your comments elsewhere

I'll put it another way then.

Your post was garbled and confusing. It didn't make the situation clear. People have had to ask numerous questions in order to establish the point / question you were trying to get across.

I wanted to offer assistance but I was unable to do so because of the way you presented the information.

I hope that helps you.

JayLeeMillar

BillJones wrote: »

In your case, at the present time, I'd say because you can't really afford it when you are looking at making savings.

To give a bit of advice, I, too, am very much into cars, and am fortunate enough to be able to have some nice ones. I don't, though, always buy new. There's a nice middle-ground of reliable, reasonably priced cars, tha may well be better for your needs. I bought an SLK55, for example, for £18k, used it for a year and a half, and sold it for £15k, with zero work needed in between. Had I been unlucky and needed work done I'd have rented a golf or fista for a week while it was fixed.

This route will tend to get me into nicer cars than your route, for less money, and so is one that I like to recommend to others.

The saving money part (for the likes of a house/flat & a god child) wasn't something I was expecting so soon. Hence why I went for the car I currently have.

bigadaj wrote: »

There a range of options when buying a car, and borrowing huge amounts is rarely a good one.

From the sound of you post you've got an insignia, I looked at a year old astra through a main dealer a couple of weeks ago. Two years left on teh manufacturers warranty and just over half list price with 20k on teh clock. I didn't buy because it semed to be ex hire and when I tried to haggle the price went up not down, but something like that is an option with warranty, reasonable risk and lower cost, in your case you could have found something similar for 10-12k, maybe a lesson for the future.

Not the Insignia, but had a look at the VXR model & it is beautiful! For saving purposes a car round about the £10K - £12K would have been more appropriate had I taken savings into consideration.

opinions4u wrote: »

I'll put it another way then.

Your post was garbled and confusing. It didn't make the situation clear. People have had to ask numerous questions in order to establish the point / question you were trying to get across.

I wanted to offer assistance but I was unable to do so because of the way you presented the information.

I hope that helps you.

The moral of the thread was, is there any way I can get round making savings. if you had read through the posts I'm sure it would have been clear. I'd have appreciated some help like you just said you were offering. But instead you gave a unhelpful remark. Everyone else seems to understand my question.

notanewuser

JayLeeMillar wrote: »

Sorry but thats a bit of an unfair statement. When I say cars are my thing I mean I've always liked cars, I'm a sporty car kind of person.

bigadaj wrote: »

From the sound of you post you've got an insignia,

I was expecting a corsa VXR - an insignia is about as far from sporty as it gets!!! :rotfl:

gb12345

JayLeeMillar wrote: »

Incase you didn't read the first post, I was declined because of my age & the value of the car. If I was accepted first time for finance I wouldn't be here. If I couldn't afford the car I wouldn't have opted for it. I went for thr car cause I could afford it. My reason for the thread was to ask if there was a way I could put money aside for other things.

You bought a car that was paid for 100% by credit - therefore you couldn't afford the car you bought.

If you could afford it you wouldn't have needed a personal loan to pay the deposit.

JayLeeMillar

notanewuser wrote: »

I was expecting a corsa VXR - an insignia is about as far from sporty as it gets!!! :rotfl:

I never said it was an Insignia. But I think I'd consider the Insignia VXR a rather sporty car....

notanewuser

JayLeeMillar wrote: »

I never said it was an Insignia. But I think I'd consider the Insignia VXR a rather sporty car....

It's a reps' car.

JayLeeMillar

gb12345 wrote: »

You bought a car that was paid for 100% by credit - therefore you couldn't afford the car you bought.

If you could afford it you wouldn't have needed a personal loan to pay the deposit.

Am not going to repeat myself to explain why I had to take out a loan.

But anyone that buys a car brand new from the showroom, I don't think they'd buy it outright, they'd pay finance on it. Which is something I was more than capable of doing had I been accepted for finance.

Unless your going to be helpful which I very much doubt you are, then I suggest you take your comments elsewhere.

gb12345

JayLeeMillar wrote: »

Am not going to repeat myself to explain why I had to take out a loan. .

You had to take a loan because you couldn't afford the flashy car you wanted to show off in and were too high and mighty to be seen in a car you could afford. That is the basic situation,

JayLeeMillar wrote: »

But anyone that buys a car brand new from the showroom, I don't think they'd buy it outright, they'd pay finance on it. Which is something I was more than capable of doing had I been accepted for finance..

I bought my brand new car outright and it cost a hell of a lot more than yours - I had the foresight to delay the purchase until I had all the cash, rather than paying £30k+ for a car with a price of £21k

JayLeeMillar wrote: »

Unless your going to be helpful which I very much doubt you are, then I suggest you take your comments elsewhere.

I am being helpful - hopefully my posts will hightlight the folly of people buying a car that they can't afford totally on credit.

And as to your suggestion that I go elsewhere - if you didn't want people to comment then you shouldn't have posted on a public forum should you.

opinions4u

JayLeeMillar wrote: »

Unless your going to be helpful which I very much doubt you are, then I suggest you take your comments elsewhere.

It's an open forum.

You start a thread and invite comments.

You don't have to like them or appreciate them. But you can ignore them if you choose to.

Telling people to go elsewhere is a waste of effort. And it's not your place.

BillJones

JayLeeMillar wrote: »

But anyone that buys a car brand new from the showroom, I don't think they'd buy it outright, they'd pay finance on it.

Well, that's notreally right. I've tended to pay cash for my new cars. If I needed finance to "afford" them, I'd probably have bought something cheaper, and slightly used.

The only time I'll buy new is if it's with money that I've no other immediate need for.