In my list of 36 cars, 4 were PCP'd. None leased. One that was PCP'd is now mine though, no longer PCP.
How many cars have you owned?
- Thread starter IC3
- Start date
Soldato
1998 - 1999 C reg Ford Escort 1.3 (written off going in to the back of a Fiat Uno)
1999 - 2001 J reg Citroen AX (written off going off a road in to a ditch)
2001 - 2008 R reg Seat Ibiza 1.4 Mk2 (sold when I went travelling)
2010 - 2011 P reg Seat Ibiza Cupra mk2 16v (spent more time in the garage than driving it, was fun when it was though)
2011 - 2012 Seat Ibiza 1.2 (borrowed from my mum for a while)
2012 - 2016 Ford Mondeo mk3 1.8LX (most reliable car for what I paid £990 for)
2016 - 2021 Ford Mondeo mk4 2.5T (catastrophic engine failure 1 month after buying it, still to this day think it was a garage misfitting an AUX belt which snapped and destroyed my engine, never proven. Engine rebuilt for £1500 and was fine for almost 4 years. Sold due to covid lockdown, change of location etc didn't need a car at the time)
2021 - Current Skoda Fabia 1.2 (hand me down from my mum (again))
1999 - 2001 J reg Citroen AX (written off going off a road in to a ditch)
2001 - 2008 R reg Seat Ibiza 1.4 Mk2 (sold when I went travelling)
2010 - 2011 P reg Seat Ibiza Cupra mk2 16v (spent more time in the garage than driving it, was fun when it was though)
2011 - 2012 Seat Ibiza 1.2 (borrowed from my mum for a while)
2012 - 2016 Ford Mondeo mk3 1.8LX (most reliable car for what I paid £990 for)
2016 - 2021 Ford Mondeo mk4 2.5T (catastrophic engine failure 1 month after buying it, still to this day think it was a garage misfitting an AUX belt which snapped and destroyed my engine, never proven. Engine rebuilt for £1500 and was fine for almost 4 years. Sold due to covid lockdown, change of location etc didn't need a car at the time)
2021 - Current Skoda Fabia 1.2 (hand me down from my mum (again))
1991 - Nissan Micra 1.0l Blue - Sold it and clutch fell out a week later
1998 - Vauxhall Corsa 1.2l Silver - lowered, big boar exhaust XD - Drove it into the ground, radiator exploded and was the end of it
2001 - Ford Focus 1.6l Silver - scrapped due to age and wear and tear
2001 - Ford Focus 1.6l Black - scrapped as was a load of crap
2014 - Vauxhall Astra 1.8l D - Company car, given back with 60k miles more
2017 - Audi A4 2.0l D - Company car, given back with 50k miles more
2018 - Jaguar XE 2.0l D - My own car again, absolute beauty too!
1998 - Vauxhall Corsa 1.2l Silver - lowered, big boar exhaust XD - Drove it into the ground, radiator exploded and was the end of it
2001 - Ford Focus 1.6l Silver - scrapped due to age and wear and tear
2001 - Ford Focus 1.6l Black - scrapped as was a load of crap
2014 - Vauxhall Astra 1.8l D - Company car, given back with 60k miles more
2017 - Audi A4 2.0l D - Company car, given back with 50k miles more
2018 - Jaguar XE 2.0l D - My own car again, absolute beauty too!
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Soldato
2000 Nissan Micra 1.0 boggo spec
2001 Peugeot 206 1.4 GLX
2001 Renault Megane 1.6 Fidji
2008 Peugeot 208 1.4 HDI
2014 Ford Focus 1.6 TDCI Titanium Nav
2002 Ford Focus 1.6 Ghia
2020 Jaguar E-Pace D150 2.0 Chequered Flag
2023 Jaguar F-Pace P550 5.0 SVR
2015 Vauxhall Mokka 1.6 CDTI
I still own the last 4 cars on the list. I bought the 2002 Focus while I still had the 2014 Focus and ran them both until I got the E-Pace and chopped in the 2014 Focus. The Mokka was my sister's until a couple of months ago but I took it in part ex for gifting her some monies towards a nearly new car.
2001 Peugeot 206 1.4 GLX
2001 Renault Megane 1.6 Fidji
2008 Peugeot 208 1.4 HDI
2014 Ford Focus 1.6 TDCI Titanium Nav
2002 Ford Focus 1.6 Ghia
2020 Jaguar E-Pace D150 2.0 Chequered Flag
2023 Jaguar F-Pace P550 5.0 SVR
2015 Vauxhall Mokka 1.6 CDTI
I still own the last 4 cars on the list. I bought the 2002 Focus while I still had the 2014 Focus and ran them both until I got the E-Pace and chopped in the 2014 Focus. The Mokka was my sister's until a couple of months ago but I took it in part ex for gifting her some monies towards a nearly new car.
Soldato
My car history has been quite erratic already.
Fiesta Mk 7.5
F31 320d
B9 S5
E88 135i + Fiesta Mk 8
981 Boxster S + G20 320d
VW ID 7 + F30 340i
The best car I’ve owned is the 981 Boxster S. My favourite car is probably the E88 135i, though I enjoy the 340i more every time I drive it.
Least favourite is between the B9 S5 or F31 320d, both because of the gearbox. In the G20 it was better, but still pretty pants. Overall package was so good though in comparison.
Fiesta Mk 7.5
F31 320d
B9 S5
E88 135i + Fiesta Mk 8
981 Boxster S + G20 320d
VW ID 7 + F30 340i
The best car I’ve owned is the 981 Boxster S. My favourite car is probably the E88 135i, though I enjoy the 340i more every time I drive it.
Least favourite is between the B9 S5 or F31 320d, both because of the gearbox. In the G20 it was better, but still pretty pants. Overall package was so good though in comparison.
Mine are ones I fully owned. Paid for in cash.
Current PCP or Leasing etc isn't owning it, so don't count
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Too Many!
Rover 218SLD Turbo
Audi B5 A4 1.8
Audi A3 2.0TDI
Audi A3 2.0T
Nissan 350z
Impreza WRX
Seat Ibiza 1.4
Toyota Aygo 0.9, 3 cylinder
Ariel Atom 3
Toyota MR2 Mk2
Impreza WRX
Fiesta ST (mk7)
Porsche GTS
Porsche GT4
Lotus Exige S3
Ariel Atom 3.5
BMW M2C
Impreza WRX Sti
Nissan 370z
Volvo V60 (still own this)
Ariel Atom 4
Aston Martin N430
McLaren 600LT
RR L322
Will have to move the Volvo on as its on PCP end of December, looking at a GR Yaris, probably the original one though not the new one.
I've owned the majority of the cars in the list but i never have understood the reluctance to use PCP... if the apr % is lower than you can achieve by parking 40-80k elsewhere why would you put your money into a depreciating asset? I get everyone has their own point of view, i have no issues with people who only consider owning something is when you have paid for it in full in cash but I think its odd to consider not owning it if it's on pcp... For example i pcp'd Lotus because i thought it would depreciate (it did), so I stuck a deposit in and put ~35k into a savings account (i think it reality some of that into the mortgage) - when it was time to move it on I took a loss but not as much as I would have if I had purchased it outright. Maybe im crazy or dont understand, who knows
Rover 218SLD Turbo
Audi B5 A4 1.8
Audi A3 2.0TDI
Audi A3 2.0T
Nissan 350z
Impreza WRX
Seat Ibiza 1.4
Toyota Aygo 0.9, 3 cylinder
Ariel Atom 3
Toyota MR2 Mk2
Impreza WRX
Fiesta ST (mk7)
Porsche GTS
Porsche GT4
Lotus Exige S3
Ariel Atom 3.5
BMW M2C
Impreza WRX Sti
Nissan 370z
Volvo V60 (still own this)
Ariel Atom 4
Aston Martin N430
McLaren 600LT
RR L322
Will have to move the Volvo on as its on PCP end of December, looking at a GR Yaris, probably the original one though not the new one.
I've owned the majority of the cars in the list but i never have understood the reluctance to use PCP... if the apr % is lower than you can achieve by parking 40-80k elsewhere why would you put your money into a depreciating asset? I get everyone has their own point of view, i have no issues with people who only consider owning something is when you have paid for it in full in cash but I think its odd to consider not owning it if it's on pcp... For example i pcp'd Lotus because i thought it would depreciate (it did), so I stuck a deposit in and put ~35k into a savings account (i think it reality some of that into the mortgage) - when it was time to move it on I took a loss but not as much as I would have if I had purchased it outright. Maybe im crazy or dont understand, who knows
green not your colour
Commissario
Suggesting I'm jealous? You have no idea!
Well what difference does it make if they were owned on PCP, PCH, leased or gifted to them/paid for with inheritance?
Commissario
I'm just interested, the radio and TV are full of adverts which state in the small print that you do not own the vehicle.
That's because the finance company have a vested interest in their asset. If you miss a payment or become unable to afford it then the are keen to recover it and ensure they know where the liability is. Why anyone would buy a 200k supercar with their own money to watch the car depreciate to 110k is beyond me. Why would you do that....
Look at the new lease deals on 7 series, i7 etc... 110k car, there were some deals for 6k down and 450per month not long ago, over three years, so you will have paid 22kish(+%apr etc) over 3 years... If you look at the market 2nd hand these will be worth half their original value, so the two options are lose say 28k or lose 55k... The only way it makes sense (again, just in my opinion) is if you think the value will increase (see GT4 above) or you plan to keep the car forever*.
*If you keep it forever you don't care about depreciation then you absolutely don't want to give a bank money in interest for you to borrow the cash, the exception here is if you think you could make that cash work harder for you elsewhere, stocks, shares even saving accounts at one time were better. Or (and im assuming here) you consider a mortgage still owning a house then you could overpay your mortgage, cracking way to reduce dead money.
also, and just in my experience it is always worth talking to sales about pcp, sometimes they can manipulate the deal to take some cash out of the cars list cost as they 'might' get a kick back. So a couple of times I've taken pcp, sales gets commission, paid the pcp off 2 months later (sometimes minimum time limit or a charge involved so be careful)