JamieT1314 Posted February 20, 2018 Share Posted February 20, 2018 I thought about this, is there a chance the rates on Arnold Clark website are just headline rates and once the deal is going through they will be adjusted? 0 Quote Link to comment Share on other sites More sharing options...
sonsanorak Posted February 20, 2018 Share Posted February 20, 2018 I thought about this, is there a chance the rates on Arnold Clark website are just headline rates and once the deal is going through they will be adjusted? Nope. I think ac deliberately use a flat rate figure to appear competitive against other finance options, but arent really. 0 Quote Link to comment Share on other sites More sharing options...
JamieT1314 Posted February 20, 2018 Share Posted February 20, 2018 But they've quoted flat rate and Apr? 0 Quote Link to comment Share on other sites More sharing options...
Sergeant Wilson Posted February 20, 2018 Share Posted February 20, 2018 13 hours ago, PB 4.2 said: Sorry for introducing some #perthshireproblems to your Glasgow ( or it might be south Lanarkshire ) relations. I quite like Rutherglen I've never forgiven them for harbouring Davie Syme. 2 Quote Link to comment Share on other sites More sharing options...
UsedToGoToCentralPark Posted February 20, 2018 Share Posted February 20, 2018 They quote both and still beat my bank which I found strange. Bank quoting 16% and Arnold clark quoting 9% Apr. It was my banks pcp car finance specific loan so also secured. Those are stupid rates. In any case check what the early settlement rule is from Arnold in case they front load the interest. 0 Quote Link to comment Share on other sites More sharing options...
Gaz Posted February 20, 2018 Share Posted February 20, 2018 14 hours ago, JamieT1314 said: I thought about this, is there a chance the rates on Arnold Clark website are just headline rates and once the deal is going through they will be adjusted? Almost certainly. Finance companies are only required by law to give 51% of successful applicants their headline rate. 0 Quote Link to comment Share on other sites More sharing options...
Gaz Posted February 20, 2018 Share Posted February 20, 2018 17 minutes ago, UsedToGoToCentralPark said: Those are stupid rates. In any case check what the early settlement rule is from Arnold in case they front load the interest. No-one front-loads interest. 0 Quote Link to comment Share on other sites More sharing options...
UsedToGoToCentralPark Posted February 20, 2018 Share Posted February 20, 2018 No-one front-loads interest. So no-one uses the Actuarial method any more? 0 Quote Link to comment Share on other sites More sharing options...
Gaz Posted February 20, 2018 Share Posted February 20, 2018 (edited) 3 minutes ago, UsedToGoToCentralPark said: 5 minutes ago, Gaz said: No-one front-loads interest. So no-one uses the Actuarial method any more? EDIT: Hang on, I'm away at a tangent here. What do you mean by Actuarial method? Do you just mean compounding interest? That's not the same as front-loading. Edited February 20, 2018 by Gaz 0 Quote Link to comment Share on other sites More sharing options...
UsedToGoToCentralPark Posted February 20, 2018 Share Posted February 20, 2018 EDIT: Hang on, I'm away at a tangent here. What do you mean by Actuarial method? Do you just mean compounding interest? That's not the same as front-loading. I'm well out of the loop here having done some more research the rule of 78 is long gone so looks like early repayment is much more reasonable now. Apologies for any confusion caused. 0 Quote Link to comment Share on other sites More sharing options...
Shandon Par Posted February 20, 2018 Share Posted February 20, 2018 10 hours ago, Sergeant Wilson said: I've never forgiven them for harbouring Davie Syme. If it’s any consolation the final was a washout. Can still see Jimmy Sandison’s puzzled, shocked expression when Syme pulled him up for that handball. 0 Quote Link to comment Share on other sites More sharing options...
Sergeant Wilson Posted February 21, 2018 Share Posted February 21, 2018 6 hours ago, Shandon Par said: Can still see Jimmy Sandison’s puzzled, shocked expression when Syme pulled him up for that handball. I can't think why! 0 Quote Link to comment Share on other sites More sharing options...
CLANCY2KTID Posted February 21, 2018 Share Posted February 21, 2018 Bought a Volvo V40 Cross Country this afternoon. Did a but of hunting about and research on it before we went to see one. Evans Halshaw were the cheapest by a long shot, not sure if that'll be the same on all makes and models though. 0 Quote Link to comment Share on other sites More sharing options...
JamieT1314 Posted February 23, 2018 Share Posted February 23, 2018 How were Evans halshaw to deal with? 0 Quote Link to comment Share on other sites More sharing options...
RandomGuy. Posted February 23, 2018 Share Posted February 23, 2018 (edited) I'm picking my car up tomorrow from Evans Halshaw, been alright but can be a nightmare to get hold of on the phone, they'd promised to service and resolve a start stop issue before I picked it up, so I guess we'll see tomorrow. Apparently Evans halshaw have a trick where the final number of the price is the numbers of weeks its been there. As in a car at £9995 has been there at least five weeks. Edited February 23, 2018 by RandomGuy. 0 Quote Link to comment Share on other sites More sharing options...
alta-pete Posted February 23, 2018 Share Posted February 23, 2018 I'm picking my car up tomorrow from Evans Halshaw, been alright but can be a nightmare to get hold of on the phone, they'd promised to service and resolve a start stop issue before I picked it up, so I guess we'll see tomorrow. Apparently Evans halshaw have a trick where the final number of the price is the numbers of weeks its been there. As in a car at £9995 has been there at least five weeks. Good luck! 0 Quote Link to comment Share on other sites More sharing options...
JamieT1314 Posted February 25, 2018 Share Posted February 25, 2018 Went for 2015 focus zetec ecoboost. Surprisingly nippy for the small engine. 0 Quote Link to comment Share on other sites More sharing options...
sonsanorak Posted February 25, 2018 Share Posted February 25, 2018 Test drove a cmax with the 1.0 petrol zetec engine. It was like a motorbike engine, very quick to rev and easy to cane.That'll be why so many find the economy disappointing I'd guess. 0 Quote Link to comment Share on other sites More sharing options...
throbber Posted February 25, 2018 Share Posted February 25, 2018 I have been meaning to ask if anyone has tried a 1 litre eco boost as I’m seeing quite a few of them for sale but always skip past them as 1 litre is quite small. 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted February 25, 2018 Share Posted February 25, 2018 4 minutes ago, sonsanorak said: Test drove a cmax with the 1.0 petrol zetec engine. It was like a motorbike engine, very quick to rev and easy to cane. That'll be why so many find the economy disappointing I'd guess. I had a Daewoo Matiz for a while. 800cc and it sucked up the petrol. You had to rock the car at full revs to go up steep hills, but I later found out it was only running on two of the 3 cylinders. Got more from the scrappie than you'd probably get for a Merc now. 0 Quote Link to comment Share on other sites More sharing options...
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