Hell, if he's willing to loan random internet people money, I would spend less time ripping him about his grammar and more time trying to make friends with him
Pics of my new car!
- Thread starter James07
- Start date
- Status
Soldato
- Joined
- 4 Apr 2003
- Posts
- 8,052
My new 2005 plate Renault Clio 1.2 Expression (75) 16V
Picked her up on Saturday, Auto windows, Auto wing mirrors, Radio steering wheel stalk, ABS, Power Steering, Sunroof, Driver and passenger airbags, Central locking, Key fob to open and lock, alarm, immobiliser, CD player etc etc
Lots of mod consAlthough most of them wont impress some of you, i had a 96 fiat punto that was dying before i got this so to me this is like brand new!
So happy
Anyway, heres the pics!
Congrats on getting your car and I hope you enjoy it. The advantage of the base spec Clio is there is very little to go wrong and you should be able to run it on a shoe string budget.
Re your credit history (I remember your thread about it a while ago), you can apply for a notice of correction if your dad has been fraudulently making applications in your name. I assume you have a copy of your credit report from www.experian.co.uk etc?
To everyone else including Fox who have been laying into him… Seriously Why? You guys have gone way over the top on this.
1)It’s not the best Car but it isn’t the end of the world and it does exactly what it says on the tin. You buy Tesco beans you expect Tesco beans, James went into this without high expectations and no illusions and he is happy.
2)He is borrowing circa 7k to buy it (double what it is worth) but unfortunately this is one of the only options for him.
3)He has no credit history and would not get finance elsewhere, it could take him 1-2 years at least to secure enough of a stable history to get finance to buy from a dealer with the history builder Credit Cards etc and that assumes more stability in home situation etc.
4)He needs a car that is functional to get him to work so he can well er work to earn money to live.
5)Unfortunately to get a reasonable car, given his circumstances (i.e. no one else to borrow from) this is surprisingly one of the few options.
6)Treating this as a lease hire, which as it is on finance it effectively is, he is paying £150pm to rent a car. Nothing wrong with that and last time I looked that isn’t that bad and it is an affordable amount, try renting a car from Enterprise or a contact hire company for that. Not the best car but actually it is still pretty reasonable. People waste £150 pm on all sorts of things like beer, KFCs, a pair of jeans. The only issue here is that if the car is written off unless there is GAP insurance (couldn’t see if he has it or not) then there could be some issues.
7)There are many other options he could have explored but would have probably ended up here anyway.
8)Take Mark, (Lucero), my mate splashes £30k on a BMW 530d, puts 6k deposit in, pays £350pm and still has to hand the car back after 3 years. Ok so it is a nice car and represents a small fraction of his earnings but its all money gone in depreciation etc. You guys don’t kick up a fuss over that one but in real terms it’s a huge cost / loss. Damn fine car though and looks great on his drive as its allways so polished and shiney.
Man of Honour
Hmm I was wondering why this had 5 stars....now I know :O
Don
The OP doesn't seem to have a problem with money, or spending it so I'm guessing he's paid quite a lot.
What do you do and how much do you get paid?
What do you do and how much do you get paid?
Soldato
- Joined
- 4 Apr 2003
- Posts
- 8,052
Well proportionally, it would be more like taking out £7 to buy a tin, but if you believed that was your only way to eat you would.
Soldato
I think the salesman must have gone home and had one almighty tug after that one.
Associate
It was a girl by the sounds of it, but yeah - resist having a fiddle after cracking that one. She must have just made £1,000 commission minimum.
Soldato
Got swindled on a car by a girl at that? on a birds car? Nut removal tbh 
Sorry OP but your sheer determination to justify this horrendous purchase is comical. If it makes you feel better, an entire sixth form class just had a right laugh at this as i was browsing this site while repairing a pc there and the projector was on .
Sorry OP but your sheer determination to justify this horrendous purchase is comical. If it makes you feel better, an entire sixth form class just had a right laugh at this as i was browsing this site while repairing a pc there and the projector was on .
Man of Honour
M&S once quoted me about 5 and a half grand to insure my MX5
Bargain if I say so myself especially with the abuse hair dressers get round here
Caporegime
no it isnt
ever heard of this old fashioned thing called "only buying what you can afford"
The money he is currently ploughing into repayments could easily have been put into savings. He could then easily afford something for about £1500, and got exactly the same effect as he's got now.
The only way the clio is superior to the punto is age. He could quite easily have something that was newer than his punto for 6/7 months of his current finance agreement.
he would then A) not be in crippling negative equity and B) able to save some and possibly save for something eeven nicer. 3k and you could get yourself a phase 1 clio 172. If he buys the first car nice and low when its at the end of its depreciation, he wouldnt even lose much of his original purchase.
Whatever way you look at it, its a bad deal for him. Its not his only option
I agree with others, carcraft are created for people like this. People who only look at the monthly payment and work out if they can afford that from their wages, and pay attention to how much they pay total compared with the sticker price on the car.
Caporegime
Only read the first 3 pages before heading to bed yesterday, i can't belive this thread, to pay 10k for a 2005 clio in epic fail spec level just blows the mind, i don't have words for how stupid the OP has been.
Ah this thread has made me laugh. You've all echoed what I was telling him after he just bought the car . Fun times.
What he should have done (and was going to do) was, keep his Punto, save up 3k, come January time he could have bought a nice car which you could actually justify to pay.
I don't know what came over him, I found it amusing when he came round to my house and told me how much he got robbed XD!.
The first thing I said when I saw it: "Where are the pink wiper blades!?".
. Fun times.What he should have done (and was going to do) was, keep his Punto, save up 3k, come January time he could have bought a nice car which you could actually justify to pay.
I don't know what came over him, I found it amusing when he came round to my house and told me how much he got robbed XD!.
Got swindled on a car by a girl at that? on a birds car? Nut removal tbh
The first thing I said when I saw it: "Where are the pink wiper blades!?".
Last edited:
Soldato
You have to feel sorry for the guy a little if his own father has screwed his credit history to such a degree that he feels this is the only way to repair it.
- Status