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Offline bezzabsa

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« on: January 08, 2007, 18:06:41 »
Well as some of you may know I have a bike on finance , and due to my knee problems I asked about selling it - http://forums.mud-club.com/viewtopic.php?t=34430&highlight=finance -
well today they actually gave me a settlement figure of
£3282.38 :shock:
Now bearing in mind the bike was only £3500 new, and I have been paying for it for 2 years, so I rang them and queried it - according to them I had a 4 year finance term (thought I'd had it over 3)
so my only course of action now is to give the bike back to the finance company as a voluntery repossession and get a black mark against my name  :evil:  , as the person I had interested in the bike aint gonnna pay £200 less than a new bike - for a 2 year old one!!!!
Any other ideas??
apart from 'losing' it - or similar..
grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr :evil:
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Offline V8MoneyPit

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« Reply #1 on: January 08, 2007, 18:10:28 »
Wow!  :shock:

Is that because of an early settlement fee? I would ask them for a written confirmation and breakdown of charges. Even if they are charging the whole 4 years of interest, it's hard to believe it should be that much.
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Offline hairyasswelder

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« Reply #2 on: January 08, 2007, 18:36:05 »
robbin b...,rds  :twisted:  :twisted:
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« Reply #3 on: January 08, 2007, 18:37:20 »
Sounds like the structure of the loan.
i.e. the interest is payable primarily and then the capital is paid off secondly. This is usually stated in the small print of the agreement.
[person of questionable parentage] are banks.
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Offline Lee_D

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« Reply #4 on: January 08, 2007, 18:51:44 »
You could consider visiting the Moneysavingexpert site and look up "card tart" as one option. Though they have lots and lots of advice that is fantastic in my experience and costs nowt.
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Offline muddyjames

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« Reply #5 on: January 08, 2007, 19:19:55 »
I have a loan I got out just to get me a credit history and to pay for a bit of my caravan. the loan is in a high intest account so the interest on the loan is the same as the account I have it in. I looked into paying it back a few years early and I had a similar thing. They said I pay the interest off first and then pay the loan off so it is going to be cheaper for me to keep it in the account and just keep paying it back slowly. Does mean in a few years I will have a wod of dosh I can play with.
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Offline v8kenny

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« Reply #6 on: January 08, 2007, 20:00:27 »
Not sure how finance works in England but up here once you have paid half the no. of payments you can legally hand the bike (or whatever) back to the finance co. with no penalties or black marks - could it be the same down there ?
Failing that would the bike like an extended holiday in the Highlands ?  :twisted:
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Offline bezzabsa

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« Reply #7 on: January 08, 2007, 20:14:20 »
Quote from: "v8kenny"
Not sure how finance works in England but up here once you have paid half the no. of payments you can legally hand the bike (or whatever) back to the finance co. with no penalties or black marks - could it be the same down there ?
Failing that would the bike like an extended holiday in the Highlands ?  :twisted:

same here -thats what i'm going to end up doing...so have effectively hired it for 2 years ..
at least i'll have some bandit spares for sale - race can - seat - hugger- -fly screen, and also 2 sets of leathers, 2 flip front helmets, and 2 pairs boots
Sod the bike think i'll come up for a rest!!!!! :D:D:D:D
dya have a spare room??? lol
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Offline v8kenny

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« Reply #8 on: January 08, 2007, 20:41:56 »
Quote from: "bezzabsa"

Sod the bike think i'll come up for a rest!!!!! :D:D:D:D
dya have a spare room??? lol

You are welcome anytime mate !  :lol:
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« Reply #9 on: January 08, 2007, 21:56:58 »
SHAME IF IT GOT PINCHED THEN
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Offline dazzawhipple

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« Reply #10 on: January 08, 2007, 22:12:42 »
set fire to it
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Offline Range Rover Blues

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« Reply #11 on: January 08, 2007, 22:37:20 »
Stick it in the shed and pay the finance off, the bikes got to be worth more than that way once it's yours to sell.

Or pray something happens to it, not that I condone doing anything on purpose you understand [-X

But a LR will make a b***dy mess of it :wink:
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Offline bezzabsa

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« Reply #12 on: January 08, 2007, 22:57:25 »
some interesting comments there guys :D:D:D:D:D
any boys in blue reading this - please disregard the last few posts...:D:D:D
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Offline Sooty

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« Reply #13 on: January 09, 2007, 11:15:13 »
To be quite honest it does not matter how bad things got there is no way I could bring my self to reverse any of my Land Rovers over a 2 year old Suzuki Bandit motor cycle. [-X  [-X
I might damage the Land Rover :lol:  :lol:  :lol:
http://cgi.ebay.co.uk/2005-SUZUKI-GSF-650-BANDIT-BLACK_W0QQitemZ220067062207QQihZ012QQcategoryZ10534QQrdZ1QQcmdZViewItem
=P~  =P~
With regards to the leathers what height and if it is not too personal what...... how can I put it........are you built for speed or comfort  O:)  O:)
PM me if you like :wink:  :wink:
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Offline bezzabsa

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« Reply #14 on: January 09, 2007, 12:29:55 »
Quote from: "Sooty"
To be quite honest it does not matter how bad things got there is no way I could bring my self to reverse any of my Land Rovers over a 2 year old Suzuki Bandit motor cycle. [-X  [-X
I might damage the Land Rover :lol:  :lol:  :lol:
http://cgi.ebay.co.uk/2005-SUZUKI-GSF-650-BANDIT-BLACK_W0QQitemZ220067062207QQihZ012QQcategoryZ10534QQrdZ1QQcmdZViewItem
=P~  =P~
With regards to the leathers what height and if it is not too personal what...... how can I put it........are you built for speed or comfort  O:)  O:)
PM me if you like :wink:  :wink:

obviously you havent read my other post ..lol
right trousers are 40" waist(wifes) and 44" waist (mine)- but these are adjustable to make smaller
jackets i'm not too sure of sizes..mine was tight  :oops:  on the 2nd zip..(it has 2) and im about a 48-50 chest (and gut) so some where between 45 and 50 " - also adjustable, wifes jacket is probably 40 - 45 chest..both jackets and trouser have zips built in to make a semi-1 piece suit - or wear seperately .
Both Black in colour ..
will try and sort some pix out if your interested ..
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Offline hairyasswelder

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« Reply #15 on: January 09, 2007, 20:38:30 »
Quote from: "Range Rover Blues"
Stick it in the shed and pay the finance off, the bikes got to be worth more than that way once it's yours to sell


Hmmmmm how does that work?? pay balance of £3282.38  and put it away for another 2 years depreciation  :shock:  :shock:
Then get £2000 for it ??? :cry:

I have no real answer, you cuold always visit a known hot spot for m/c theft  :oops:  :roll:
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Offline Sooty

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« Reply #16 on: January 11, 2007, 09:48:49 »
Thanks bezzabsa.
Unfortunetly it is my lad who is after some leathers and he is 5`10" and about 8 stone when wet so a little too roomy for him.
As for peoples advice about visiting theft hotspots just remember the insurance company will only give you market value (lower book price) and that will not cover the finance so you end up still paying for a bike you no longer have ](*,)  ](*,)
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Offline Range Rover Blues

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« Reply #17 on: January 11, 2007, 16:18:39 »
So the only winner is the finance company :evil:
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Offline bezzabsa

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« Reply #18 on: January 11, 2007, 17:01:18 »
Quote from: "Range Rover Blues"
So the only winner is the finance company :evil:
Isnt it always ... :evil:
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Be afraid. Be very afraid
YAM YAM SQUAD
Life's a journey - so remember to pay FULL fare!




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