The grumpy thread

[myglaren]

Sheffcortinacentre that is annoying what pees me off is the ppi people, they can't get their mind around I aren't owed any ppi due to not having any loans or credit cards, i got asked by one lad well how do you pay for things if you don't have credit, with fucking money of course, I just don't answer the phone now

Same here.  They don't seem able to comprehend that if I can't afford to pay cash, I do without until I can.

 

I bought a CD player.  Ã‚£1600 cash.  Was persuaded to buy it on interest free credit.  Gave them £1200 and owed £400.in.

Made that year completely miserable waiting to pay the balance.  Never aga

[EssDeeWon]

I never buy cars from fancy showrooms but I am quite sure the days of walking in and offering to pay cash is no longer welcomed by mr car salesman. They want you to be at their mercy of 5 years finance. Maybe the main dealer salesman of today only make money on the finance packages sold.

[gm]

I went to look at a car yesterday (nothing too exciting, a Honda CR-V), it was a bit scruffy but would clean up well I reckoned. Had a chat with the seller them we went for a test drive - about one mile in, the check engine light came on and the engine started to 'kangaroo' like a bastard ! We turned around and I nursed it back to his house, I was in two minds about making him a silly low offer but common sense prevailed and I went home empty handed

[cort16]

Most of the money made on new cars is on the extras like paint protection, GAP and tyre & elephant attack insurance .

[HillmanImp]

I never buy cars from fancy showrooms but I am quite sure the days of walking in and offering to pay cash is no longer welcomed by mr car salesman. They want you to be at their mercy of 5 years finance. Maybe the main dealer salesman of today only make money on the finance packages sold.

 

My Mum had this problem even 16 years ago buying a brand new Citroen Saxo on a V plate from the main stealers in Chichester. She was paying cash but the saleswoman was REALLY insistant that she should take out the credit. My Mum was ready to walk out on the deal excpet for the fact that they had given her a good trade in price for her AX which was suffering with serious HGF.

 

She did complain but I imagine the saleswoman got a good pat on the back for trying so hard to flog the credit to her.

[EssDeeWon]

I went to look at a car yesterday (nothing too exciting, a Honda CR-V), it was a bit scruffy but would clean up well I reckoned. Had a chat with the seller them we went for a test drive - about one mile in, the check engine light came on and the engine started to 'kangaroo' like a bastard ! We turned around and I nursed it back to his house, I was in two minds about making him a silly low offer but common sense prevailed and I went home empty handed

 

Best thing too, don't inherit someone elses problems, plenty of other Honda's out there 4 sail m8

[Bobthebeard]

Most of the money made on new cars is on the extras like paint protection, GAP and tyre & elephant attack insurance .

Don't knock 'elephant attack' insurance. It works! I have had it for ten years and never once been attacked by an elephant.

😄

[D Spares & Tyres]

Sheffcortinacentre that is annoying what pees me off is the ppi people, they can't get their mind around I aren't owed any ppi due to not having any loans or credit cards, i got asked by one lad well how do you pay for things if you don't have credit, with fucking money of course, I just don't answer the phone now

to be fair to the PPI people, annoying twats they are keep ringing me but a mate took out a large loan years ago, defaulted pretty early and never paid back more than a couple of hundred quid. PPi reclaim people paid him out around £2000 on the PPI he SHOULD of paid.....

[Richard]

My wife did her own PPI claims, I don't think it's hard to do. She wanted to claim for the loan that we took out just before I was made redundant and got a year's worth of free payments (I was made redundant twice), but I wouldn't let her.

[cort16]

I did my own PPi. There's a guide on that annoying moneysavingexpert site and it's not hard at all. The banks got their bum felt for it so hard it's really down to them to prove you didn't have ppi rather than vice versa and a lot of the records proving it one way or another are gone or incomplete. 

There for I scored 800 quid

[Pillock]

Most of the money made on new cars is on the extras like paint protection, GAP and tyre & elephant attack insurance .

 

Most of the money made on new cars is by the people who build them, not the people who sell them - that's why the latter group like to sell you anti-rhino deflectors and protection against meteor strike.

 

 

 

neva had a problem even with currys

 

 

As for electrical shops, while I'd be shocked if someone I consider a colleague was to be confused by a cash transaction, it does mean it can't be streamlined. For example - a card payment can be taken at any computer in store that has a card machine and printer - which is purposefully most of them. That way, when you've made your purchase you don't have to queue at the till, you can pay right there.

Cash involves going to a till naturally, since you'll probably want change and we can't have dozens of cash drawers across the store, it would be an accounting nightmare floating them up and counting them in. Because most customers pay on card, it's made easier for them - there's not really a lot you can do for cash customers, actually it's more difficult since large amounts of cash have to be double-counted to avoid errors, and checked for fakes. 

 

Just because you pay on card, doesn't mean you have credit - I have a debit card account, with no overdraft. I hate carrying cash, I pay for everything from a £1 sandwich upwards on card, it means I have records of what I've spent and I can see how to save money. I don't do credit cards at all.

 

PPI? If it was genuinely missold then yeah refunds are great. I've had about £800 back from loans years ago I genuinely didn't know I had it on - so much so, I joked with the company who offered their services "Yeah you might as well, your cut of zero is going to be about zero". Needless to say, I got 87.5% of my PPI, they got their cut, I had to fill out one form that took me five minutes so they've earned their cash.

[jakebullet]

It must be a shitters thing, bang cash down instead of only paying a gajillion percent interest. Too many idiots in the world who want everything now.

[Coprolalia]

If I can't scratch glass with it, I don't trust to pay with it.

[cort16]

There's good money in the premium stuff but then again you to spend a fucking fortune building one of the glass palaces required by the manufacturers to sell it.

The big money is in used cars especially ones in an "approved" manufacturer program.

[Danblez]

Someone I know who is a mortgage advisor made a ppi claim for a policy she had sold to herself! I don't know the whole background to this ppi bollocks and I am sure there were some who were ripped off but making it so easy for every shyster alive to make a spurious claim is one hell of a way to deal with the situation.

 

I don't include any shiters in the shyster category obviously.

[Bren]

Just tried to dump some shite at the tip.

 

Long queue. At teatime. On a monday.

 

Then again, i've seen bigger fucking back gardens.

[hennabm]

M62 today  

 

 

 

 

 

 

 

 

 

 

 

 

That is all.

[scdan4]

I never buy cars from fancy showrooms but I am quite sure the days of walking in and offering to pay cash is no longer welcomed by mr car salesman. They want you to be at their mercy of 5 years finance. Maybe the main dealer salesman of today only make money on the finance packages sold.

 

You can apparently use this to your advantage.

 

Sign up for the finance. Get them to throw in every extra / incentive they can. Free servicing plans, dealer contributions etc.

 

 

Finance comes with a 2 week cool off period - so just pay off the whole finance package they day after buying the car. Keep incentives and discounts that wouldn't have been available if paying cash in store.

 

I've never tested this, having never been in the position to be accepted by any finance company, wonga included. 

[Pillock]

M62 today

 

 

 

 

 

 

 

 

 

 

 

 

That is all.

Could be worse, you could be underneath (or inside) an articulated truck lying across the motorway. Hope everyone gets out of that mess OK....

[hennabm]

Could be worse, you could be underneath (or inside) an articulated truck lying across the motorway. Hope everyone gets out of that mess OK....

Can't disagree with this but the situation is always made worse by the actions of the wombles.

[HH-R]

You can even use credit cards to your advantage without costing a penny, get something that gives you cashback (usually a paltry amount, but it's more than most debit cards give you), mark the money as spent in your mind/finance spreadsheet/bits of scrap paper if you use them, and pay the lot off fee free by direct debit each month.

 

Other advantages are if you're spending over £100, particularly online, you get more protection than a debit card. If someone nabs it and spends a grand or whatever, you get about 3 weeks before the next billing period to dispute it before it's deducted from your bank balance. If you need something but get paid in a fortnight or whatever, depending on when the bill is calculated, you usually get about three weeks interest free to pay.

[Negative Creep]

I recently used a credit card for the first time in my life to buy a TV. I'm not great with money but I feel going 32 years without ever buying something on finance was pretty sensible all things considered

[andy18s]

I got a my 1st credit card around 5 yrs ago,at the age of 40 !

The Mrs told me me that as we would be looking to buy a house,I would need to build up a credit history for the mortgage company to look at

Apparently being debt free for most of my adult life wasn't good enough

I had to prove I could "manage" credit........

So it's only used to pay for the weekly fuel,which gets paid in full at the end of the month

 

Way of the world I guess

[D Spares & Tyres]

If I can't scratch glass with it, I don't trust to pay with it.

fuck me, remind me never to sell you a motor, turning up with £1000 worth of coins.....

[Des]

M25 today, Got on at the M40 to pop to Amersham, fucking crawling arse jam all the way to the Maple Cross exit where some twats have collided, of course the traffic speed picks up there denying me the oportunity of a rubberneck selfie with carnage background, shortly later take the Ricky exit where I meet a confused looking giffer coming the wrong way, I near wet myself with laughter.

[Des]

Worked out how to do a dashcam screengrab, now to figure out how to set dashcam time and date.

[STUNO]

Rowan Atkinson, profit on sale of car 7.5 million. Cavraft won't make that much this decade !

[beko1987]

I'm sad because I'm in the office and not at Shitefest 

[320touring]

I'm sad because I'm in the office and not at Shitefest

Just drink beer and eat mint crumbles. Job done

[Coprolalia]

fuck me, remind me never to sell you a motor, turning up with £1000 worth of coins.....

 

It's fine, I'll pay in conflict diamonds.