What Would You Do ???

[speedy(delboy)]

Last Wednesday I applied for credit to get the Z1000 I want, and was told I would have the answer come last Friday.

Well come Friday afternoon, I had not heard anything, so I rang the finance company (No Company Name, if ya know what I mean), anyway the guy I spoke to said "Nope your not a secure Customer" and put the phone down. And I though [censored] You Lot.

Anyways today, I get a phone call from the same company (different bloke) saying the finance is now in place and when would I like to collect the money. I thought What The [censored] is going on here.

I told this 2nd bloke what had happened the previous Friday and his reply was, and I quote.

"Yeh the bloke was fired on Friday for telling people the had been refused finance/credit with us"

Would you still stay with that company or tell them to RAM it up there arss's and go somewhere else, becuase I must admit he make me feel sick that hey, maybe I couldnt get credit for some reason or other.

[baskie]

just cus one twat worked for them, who is now fired dont make their interest rates any higher. hes gone so now u got nout to worry about. keep it mate. as long as nothing has changed in the amount and the finance costs. might as well keep it.

[Funky]

Pay peanuts get monkeys, as long as the monkeys aren't flinging your cash about! I say if you don't trust 'em don't go with 'em.

[AlexG]

It does sound like it was purely down to the knobber you spoke to on Friday and not the company themselves.

I would say if you are happy with the deal why go through the hassle of going elsewhere?

Assume you have got rid of most of the GSXR bits now?


[Baskie - what is it that gets changed to pregnant goldfish???]

[clunk]

I would buy a ZRX1200 and forget about the Z1000
Too small and looks like a scooter from the front.

[sonic]

if you are happy with the service and interest rate thats one thing but make sure they are registered with the necessary credit and lending authorities and that all credit act agreements are official and not some made up bollocks that means they can arse rape you if you miss or have a late payment.

if they dont i would not even piss on them if they were on fire.

check this out for more info - http://www.oft.gov.uk/Business/Legal/CC ... ements.htm

[jason]

what sonic says.


but why use credit companys ? - an unsecured bank loan is probably the safest bet.

Although personally any form of finance for something like a car or a bike is bad news. After unfortunate incidents with finance in the distant past - If I cant afford to pay for it out right I dont buy it. (with houses being the notable exception of course!)

[speedy(delboy)]

but why use credit companys ? - an unsecured bank loan is probably the safest bet.

Although personally any form of finance for something like a car or a bike is bad news. After unfortunate incidents with finance in the distant past - If I cant afford to pay for it out right I dont buy it. (with houses being the notable exception of course!)

The finace company is cheaper than my bank (HSBC).

Like you said, i would normally pay outright, but sometimes it just doesnt happen that way, including House's and Cars/bikes, for me anyways.

[born2rock86]

Mate, the guy's a c*ck - but he's been fired now and only works in customer service, he doesn't have any bearing on business rates and decisions - don't let him put you off!

You could kick up a fuss though and see what they offer, complain!

[jason]

The finace company is cheaper than my bank (HSBC).

is the finance company loan unsecured?

[speedy(delboy)]

The finace company is cheaper than my bank (HSBC).

is the finance company loan unsecured?

Yes, I wouldnt secure a M/C against my house.

[jason]

Yes, I wouldnt secure a M/C against my house.

I bet you would be surprised by what alot of people take secured loans out for....

only asked because it seemed slightly unusual that a bank rate wasnt lower or comparable.

[snake.p]

i agree if nothing has changed on the finance side and your happy with it ...keep them

[Lady g]

Hmm, I can understand why you would be hacked off with the finance company - it was completely out of order for the first guy to behave like that, but at least the company sacked him - I don't suppose they could do any more. If you're happy with the deal, then you shouldn't cut off your nose to spite your face by going somewhere else. That said - check out Northern Rock. They do fantastic deals on loans. I got a loan recently at a rate of 5.4% unsecured. And they are completely flexible when it comes to repayment - no penalties for early redemption, you can even pay extra amounts in every now and then with no charge.

[born2rock86]

Hmm, I can understand why you would be hacked off with the finance company - it was completely out of order for the first guy to behave like that, but at least the company sacked him - I don't suppose they could do any more. If you're happy with the deal, then you shouldn't cut off your nose to spite your face by going somewhere else. That said - check out Northern Rock. They do fantastic deals on loans. I got a loan recently at a rate of 5.4% unsecured. And they are completely flexible when it comes to repayment - no penalties for early redemption, you can even pay extra amounts in every now and then with no charge.

Did you do their TV ad Kim?