@vinalspin They is not bad those c4 grand Picasso, had one on the scheme but don’t need anything so big now. Plus they have 3 full sized seats in the back, great for kids car seats. Diesel’s out for me as the dpf became an issue, as i’m just not doing the miles i used to.
@crippleddad Yep that’s deffo another reason why some are not happy with the scheme and the huge profits, the banks that operate the scheme are sitting on.. Many feel they being taken advantage of and they offer a £200 new car bonus when some have gone up 6 times in Ap
Paying such high ap’s makes it more viable to leave the scheme imo. Especally as many ev’s won’t be on the scheme or affordable for many, unless big changes happen. which i just don’t see happening.
Like i said i had a bad credit, but i don’t now. So it opens options, if you do then getting something like sue suggests a little run around depends on what you can afford, and could allow you to build up a little fund from your allowance. I don’t have a bank of mum or dad so that’s not an option, but I’ve learnt how to play the game regarding credit.
I try to utilise 0% credit and that builds my credit rating up, 1st I got an argos card and made sure i payed it off before the term ends on anything i bought from 3/12 months.
Then i applied for a 30 month 0% credit card which i used to pay for some of our wedding and paid that back in the 30 months. I then applied for another 0% card to do the honeymoon on and no joke i got a 6.5k limit, but i only used it for stuff i knew i had the money for and so i could budget better over that period of time. when buying cars on finance one needs to becareful, for instance right now a vitara is 0% but the swift is 7.4% some used car companies do crazy apr’s especially if you got a bad history.
Also you can get the top spec swift for slightly cheaper than the spec lower as they giving you a 2k fda on the sz5.
Not having a driveway limits us getting an ev, I do have some off road parking but only a small car can really fit on it.. but thats just to small for us. might go look at some new cars later this week or the begining of next week. That way i know what will work for me best and is within my budget.