Trade in year2 of 4 year finance

Mercdriver

Dandytf wrote: »

Thanks mser's
All going well I'll be collecting a 64 plate Clio -similar medianavtech tech model.
Slightly different engines -.09 where my trade in is with my 1.2.
Have hopefully gone PCP route this time-took quite some convincing.
Basically my new payments are approx £37 per month less though re starting 4 yrs initially.
This is the new bit I'm not used to -I can pay 3 or 3.5 k payment to take ownership after 4 yrs or return it to garage or return and start a new car agreement -seems choices are fine, maybe it will work to my favour-still a little uncertain if the guaranteed value will be accurate -particularly with electric vehicles on the horizon-will those lower the value of pertol or diesel cars in next few years.
I still have to either make or take a call from audio place on tues-I'm honestly tempted to purchase the facia if available and maybe get Apple Car play installed in my soon to be driven Clio.
Been an interesting day-if this deal goes ahead.

You don't pay much attention to advice given on here about used cars and PCPs. It is inadvisable to take one out especially on a car that will be 8 years old when you get to the balloon payment. You are aware that you will need a new deposit in 4 years time aren't you?

So a less powerful engine too, just because the fascia isn't working. You've just done a major credit check. I hope you don't need a mortgage any time soon...

Dandytf

Mercdriver wrote: »

Why would you want to damage your credit history for a while by just checking whether you can get finance? See if you can get the new fascia fitted. Other than that, bluetooth speakers would be another option...

1or 2 cra searches are of no concern my switch to party time work was my concern with drop in salary.
I'll get answer either way-the facia could be an option whichever clio I'm driving.

Dandytf

Mercdriver wrote: »

You don't pay much attention to advice given on here about used cars and PCPs. It is inadvisable to take one out especially on a car that will be 8 years old when you get to the balloon payment. You are aware that you will need a new deposit in 4 years time aren't you?

So a less powerful engine too, just because the fascia isn't working. You've just done a major credit check. I hope you don't need a mortgage any time soon...

My sig provides some info which in effect stops me getting another mortgage from most high st banks etc-I've been with same mtg provider since 2009-when I. Can switch online-no credit check when each switch term is complete.
Even if I don't get PCP then I don't have any credit rating concerns.
I've been slowly improving since 2012-a few years yet though at least much improved since early 2011 thankfully.
If pcp is no then I'll revert to facia plan if it brecomes available.

Dandytf

Maybe I'll be able to order the facia anyway and save up for Apple play or aftermarket stereo in whichever car I'm driving -dependent on pcp result.

Dandytf

PCP was declined yesterday -which I was almost suspecting though the dealership did manage to get my finance for last 2 cars-both during dmp -What I think has happened this time is my 50% earnings since switching to part time has probably failed affordability or some kind of criteria.
I'll continue with iPhone 8 for radio/Music or podcasts for time being.
Didn't hear from audio company today so the EU -ebay facia may not be available or suitable.
At least my H2S account continues as I was thinking in 4 yrs I could have payed the 3.2k ballon payment if PCP had gone ahead.
I'll only update through this post if facia becomes available.
Thanks mser's been a bit dissetelling since the radio unit failed.