Re: Another day, another shed

> On the subject of which....... isn't it illegal to 'add on' payment

> > protection without the consent of the applicant? > > If you haven't actually got the money yet the transaction is not complete, > just ask them not to include payment protection.

Oh yeah, I know I can do that, but it's really pissed me off as I have to wait _another_ 3 days for new forms to be sent out.

PP has to be offered on all loans by law these days, the lender likes it > cos it makes big profits. You may find that the loan is refused if you > don't take the PP though....

And _that_ is definitely a bit dodgy.

Garages usually include it in the payments without reference to the > lender,("assumptive sale"), but dont have it if you dont want it. If you > want to know more about "dubious" and "interesting" garage and/or finance > practices, just ask I have been in the trade for many years.

Heh. I was caught out by my bank many years back the first time I took out a loan. Paid it of early, but took a _massive_ hit on the 'payment protection'.

Cheers Alan. > Best of luck finding the car

Cheers - got a couple of local big-dealer cars to look at tomorrow - I'd prefer to pay a bit more than be pissed about by some of these smaller traders / private sellers.

Reply to
SteveH
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Not main dealer - but there's an Independant Fiat / Alfa specialist and importer round the corner from where I work. Going to start there.

Heh..... did that last week. Fiat Punto Sporting on a 2000W - 36k miles, FSH etc. Sticker price £5495, I wanted it for £5k - they came back with £5200 incl. 6 months tax - I asked for £5100 and walked when they wouldn't do it.

Well, my 'part-ex' is dead on the drive..... so I'll be ebaying it ;-)

Finance probably sorted. An M&S Car Buying Plan is only 6.7% APR, and I doubt any of the dealers could beat that rate, or the overall package (deferred payment of 50% after 2 years, and I have a plan to pay that anyway)

Heh. Cheers for the advice. I'm a salesman's nightmare. I know my cars, and know how much they're worth, and I'll walk if the deal isn't exactly what I reckon the car is worth.

Aye. Know about them. Most free 1-year warranties from dealers are these aftermarket jobs though. However the 145 I'm looking at does have some sort of 12 month warranty on it.

Reply to
SteveH

You've got his email address anyway, so I'll leave it with you.

Ah, was the 4 hours the round trip time?

Well if you will insist on these Italian cars....... :-)

Peter

Reply to
AstraVanMan

Just get them to take it off...

Reply to
Tim S Kemp

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