How to pay for car ?

castle96

thinking of buying this from dealer

https://www.motors.co.uk/car-51770622/?i=7&m=sp

yes I know 'overpriced' for an 54 but the work done it attracts me. Any thoughts please

How to pay ? Should it be £100 on credit card and rest on debit card ? Why ? What protection do I get this way ? Thanks

neilmcl

Why credit card? It's because you will then get the protection of a Section 75 claim should anything go wrong, as a credit card company will be equally liable if there's a breach in contract.

agrinnall

You don't even have to put £100 on the credit card (common misconception), any amount will give you S75 protection for the full amount paid. And give that it's a 14 year old Disco you might well need it!

forgotmyname

Oh dear, cant see that being on my shopping list.

Its 14 years old so your CC protection will take that into play if anything goes wrong with the car. Or should that be when something goes wrong.

Brakes and balljoint advisories so it will already need some work in the near future.

When getting insurance quotes the main comparison sites will probably say no when you tick that box to declare the mods.

castle96

"Its 14 years old so your CC protection will take that into play"

why would the age matter re protection ?

Adian Flux will take it on board declaring the mods.

thanks for replies. Also looking at Mitsib Outlanders, Volvo XC90s £8000 ish/08

Nasqueron

castle96 wrote: »

"Its 14 years old so your CC protection will take that into play"

why would the age matter re protection ?

Adian Flux will take it on board declaring the mods.

thanks for replies. Also looking at Mitsib Outlanders, Volvo XC90s £8000 ish/08

Because the credit card companies are not going to be forking out thousands of pounds to fix a 14 year old car when it falls apart.


Section 75 covers things like breach of contract (say for example the dealer said the car was in perfect condition and fully serviced and you found out after purchase it wasn't), a sold as seen knackered old car is obviously going to fail sooner or later and they won't pay for that

MEM62

The Discovery has a reputation for poor reliability and you want to pay over the odds for a 13-year old example with over 100K on the clock. My advice would be to make sure that you have plenty of money in reserve for the running costs and inevitable repair bills.

LandyAndy

MEM62 wrote: »

The Discovery has a reputation for poor reliability and you want to pay over the odds for a 13-year old example with over 100K on the clock. My advice would be to make sure that you have plenty of money in reserve for the running costs and inevitable repair bills.

This. I wouldn't touch a Disco that old (or any age TBH).

System

castle96 wrote: »

"Its 14 years old so your CC protection will take that into play"

why would the age matter re protection ?

Any amount they pay will be based on the average value for that age of Disco with that mileage on which is effectively sub £2000.

Personally even though it has had that work done it was done 30,000 miles ago so not one single bit of it is under any kind of warranty any more and unless the dealer has all the receipts to prove it was done you have only their word. More importantly though you have an offroader which has been used as an offroader with a 15 year old chassis and floorpan noted for rust. Personally I think the dealer is a chancer.