Range Rover Evoque PCP v Lease v Bank loan

Rjhsteel

Ha. Oh dear.

Still trying to justify the judgemental posts.

Nevermind I shall ask for advice elsewhere.

marlot

Rjhsteel wrote: »

I'm not explaining my personal circumstances as to why I have come into more money, ....

And yet the title of the post is talking about getting a bank loan?

I don't see the judgement and attacks that you do. I see a number of people trying to help you avoid a mistake.


Good advice is rarely the same as hearing what you want to hear.

motorguy

Rjhsteel wrote: »

Ha. Oh dear.

Still trying to justify the judgemental posts.

Nevermind I shall ask for advice elsewhere.

Yes, keep on asking enough people and eventually you will get the answer you WANT to hear, rather than the answer you NEED to hear.

almillar

Ha. Oh dear.

Still trying to justify the judgemental posts.

Nevermind I shall ask for advice elsewhere.

Yes, you should go to moneySPENDINGexpert.com if you just want a lot of 'yes' answers.

At the same time (well 2 months after) asking on the forum for debt advice, you're calling people idiots for bringing it up. You've come into money, great. What's your budget, and contingency, for the Evoque? Have you had an insurance quote? What will you do at the end of the deal, when you hand back - you'll need another car, and I've already told you not to rely on any 'equity' - you'll be starting from zero. Have you planned for this? Please don't call me a judgemental idiot.

foxy-stoat

Not sure why the OP is still asking for help, the answer is in post #2.

Arklight

Tbf if luxury cars were only purchased by people that could afford them, there wouldn't be many on the roads.

Mercdriver

motorguy wrote: »

It IS on topic - you're on a money saving forum asking on one hand for advice of severe debt management issues then all of a sudden asking for advice on how to FINANCE a luxury car.

The simple one word answer as to how you should finance an Evoque is - DONT.

You've got yourself out of the frying pan - dont jump in to the fire.

OP isn't just jumping into the fire, he is diving off a diving board into an inferno while wearing armbands filled with Jet A1 aviation fuel.

Anyone hazard a guess on what APR he might get with an IVA/DMP marker on his credit report? I would be surprised if he got a deal directly from a JLR dealer, so would have to get specialisr secured finance. So I reckon something arouns 29.9% APR. Ouch!

Pension_Geek

Mercdriver wrote: »

OP isn't just jumping into the fire, he is diving off a diving board into an inferno while wearing armbands filled with Jet A1 aviation fuel.

Anyone hazard a guess on what APR he might get with an IVA/DMP marker on his credit report? I would be surprised if he got a deal directly from a JLR dealer, so would have to get specialisr secured finance. So I reckon something arouns 29.9% APR. Ouch!

Frankly terrifying to think someone would pay that.

I had no idea they are as unreliable as people say they are. You can't move for them in the town I live in. I always think the tyres alone must cost a bomb.

Scrapit

Rjhsteel wrote: »

Nevermind I shall ask for advice elsewhere.

And how different do you think that will be?

motorguy

foxy-stoat wrote: »

Not sure why the OP is still asking for help, the answer is in post #2.

Because its not the answer he wants to hear....