Nvl car leasing

Asmalegal

I originally posted as was doubtful … tbh will wait and see what happens with others. I did contact one of the women on trust pilot and she didn’t respond to me - so not sure why or what happened there. This was way back in May. I’m sure it is legit but what put me off was the fact the dealer and other show rooms told me that there were significant delays of up to a year on new vehicles. 

armstromg10

I really don’t understand why people on here presume if people have bad credit we are on low incomes? Maybe theyve had very messy divorces and Ex partners have caused damage to our credit scores! 

TripleH

armstromg10 said:

I really don’t understand why people on here presume if people have bad credit we are on low incomes? Maybe theyve had very messy divorces and Ex partners have caused damage to our credit scores! 

Agree, if you have a high income, rent, don't use credit cards / debt and save a lot, it could be you have a very low credit rating as you have little credit history.

Ebe_Scrooge

armstromg10 said:

I really don’t understand why people on here presume if people have bad credit we are on low incomes?

My comment was based on this one:

Lucylanzonnn said:

I have very bad credit indeed and I wasn’t asked to send over any supporting documents ( bank statements etc ) and my income is just over £1000.

Assuming that means £1000 per month, that's substantially less than the median average for the UK - and doesn't allow much spare cash after paying for essentials like food, utilities, bills, rent/mortgage etc.  (If that figure is a weekly income then obviously that's a big difference, and I apologise if I made an incorrect assumption).

I was in no way meaning to cast aspersions or cause offence - and you're correct, bad credit does not automatically equate to low income.

Grumpy_chap

Ebe_Scrooge said:

Assuming that means £1000 per month

No need to assume as they themselves said:

Lucylanzonnn said:

At first I was just finding it difficult is to how I got accepted being so young, with rubbish credit and £1000 income a month. I got told the minimum deposit is £1000. I ordered an Audi A3 and she said it was in stock. I asked why delivery would take 3-4 weeks she said due to road taxing etc. I’ll just wait till Thursday I really hope it comes. 

It is for each individual to set their own priorities but I could never imagine having a car that's about two-years' (or more) annual income.  I can also see different circumstances where that might work (young, living at home, all disposable income...)

I hope the car arrives as scheduled and is enjoyed by the user.

Lucylanzonnn

£1000 a week plus my partners income! So for all saying £1000 a month and that we can’t afford it! You obviously don’t know our circumstances!

Asmalegal

armstromg10 said:

I really don’t understand why people on here presume if people have bad credit we are on low incomes? Maybe theyve had very messy divorces and Ex partners have caused damage to our credit scores! 

Yep - my circumstances exactly - well the first part and then when Moved out ex didn’t keep up with mortgage repayments .. went downhill from there 

Grumpy_chap

Lucylanzonnn said:

£1000 a week plus my partners income! So for all saying £1000 a month and that we can’t afford it! You obviously don’t know our circumstances!

If people misunderstood whether the £1k was weekly or monthly income, that is because of your previous comment in the thread:

Lucylanzonnn said:

At first I was just finding it difficult is to how I got accepted being so young, with rubbish credit and £1000 income a month. 

Clearly a mis-type in your first post, but others can only go by what has been typed.

It's great that you are getting a lovely car and hope you enjoy it.  For the benefit of others that may be considering the same supply company, it will be helpful if you provide feed-back at the end of the week to complete your experience whether good, bad or indifferent.  That will help to make this thread a useful resource for others.

Enjoy the excitement waiting the new car to arrive and, even more so, enjoy the new car when it has landed.

Asmalegal

@Lucylanzonnn did the car arrive? X

[Deleted User]

armstromg10 said:

I really don’t understand why people on here presume if people have bad credit we are on low incomes? Maybe theyve had very messy divorces and Ex partners have caused damage to our credit scores! 

The UK doesn't have credit scores, the gimmick number is just a novelty, no lender ever sees it. If an ex has committed fraud or run up debts in your name, have them prosecuted or make sure they have the debt in the settlement.

Regardless, someone on £4k a month + partner's income could easily save the money for a half decent runaround in a few months that can last a few years while restoring credit history and then get prime credit, not using unknown firms with little to no history