WHAT A NIGHTMARE!
30 January 2002, 02:55 PM
#1
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Guys please help!
Looks like my 6 month wait for a scooby may have gone **** up at the final hour, all my planning etc etc and having been told by mortgage company everything is fine and no probs with giving me the money etc etc, have now received call saying money has been declined, well the amount I needed anyway for the scoob due to differing opinion on property values! Plus I found out Tunbridge Wells has been foooooking black listed by mortgage companies as property values have shot up far too fast and will not let people borrow in case of huge fall in the market - what bollocks!
Anyway to cut to the chase for those of u still awake, what is my best alternative for about 5-6k???? I was thinking good condition Celica GT4???
YOUR HELP AND ADVICE WILL BE VERY MUCH APPRECIATED
CHEERS
MR GUTTED
P.S. scoob is not dead in the water 100% but its gonna be a lot of effort to get the appeal through with estate agents help etc so need a back up plan for a car!
Looks like my 6 month wait for a scooby may have gone **** up at the final hour, all my planning etc etc and having been told by mortgage company everything is fine and no probs with giving me the money etc etc, have now received call saying money has been declined, well the amount I needed anyway for the scoob due to differing opinion on property values! Plus I found out Tunbridge Wells has been foooooking black listed by mortgage companies as property values have shot up far too fast and will not let people borrow in case of huge fall in the market - what bollocks!
Anyway to cut to the chase for those of u still awake, what is my best alternative for about 5-6k???? I was thinking good condition Celica GT4???
YOUR HELP AND ADVICE WILL BE VERY MUCH APPRECIATED
CHEERS
MR GUTTED
P.S. scoob is not dead in the water 100% but its gonna be a lot of effort to get the appeal through with estate agents help etc so need a back up plan for a car!
30 January 2002, 03:31 PM
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Without being nosey, what mortgage company is it?
Have you tried the Virgin One account, they are very good and keen to get new customers on board.
Might be worth a try, if you haven't already!
Good luck
J uk
Have you tried the Virgin One account, they are very good and keen to get new customers on board.
Might be worth a try, if you haven't already!
Good luck
J uk
30 January 2002, 03:36 PM
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cheers for the suggestions guys but i only took this one out in august, however if abbey national refuse to budge on my value then i might tell em to stick it and i will move companies as i dont think i have any penalty clauses! only problem is i have the cost of setting up new mortgage etc and the months of fart arsing about before it all happens and before I know it will be christmas again!!!!
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30 January 2002, 03:53 PM
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POC wouldn't that age scooby be an aboslute dog. high miles everything in need of replacement etc etc and no offense meant to anyone with a scooby of this year but an 8 year old scoob must be starting to suffer be me mounting up to huge bills in the pipeline?????
30 January 2002, 03:55 PM
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Nah bravo, have seen MY93 WRXs with 45k on the clock go for about £6k..... minters too
Mine is a MY95 and is spotless (until I hit that feckin deer!)....
Worth considering mate!
Paul
Mine is a MY95 and is spotless (until I hit that feckin deer!)....
Worth considering mate!
Paul
30 January 2002, 03:57 PM
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Bravo...
That amount will easily get you a mint Legacy Turbo saloon, probably with some tasty mods on it too. Insurance should be cheaper than a Scoob, etc.
Same go, Same noise, just slightly boxier looking!
PS. I went out on a limb for my scoob, and in hindsight I could have spent 1/4 on a great Legacy and been just as happy.
That amount will easily get you a mint Legacy Turbo saloon, probably with some tasty mods on it too. Insurance should be cheaper than a Scoob, etc.
Same go, Same noise, just slightly boxier looking!
PS. I went out on a limb for my scoob, and in hindsight I could have spent 1/4 on a great Legacy and been just as happy.
30 January 2002, 04:00 PM
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*gasp* i can't sell my kwak! my beloved 170mph kwak isnt even a year old yet, i couldn't possibly sell it, plus it got me my job! boss just happens to be a mad biker who was pleased to have another biker in the team!
I will have to look at the old scoobs then and see whats about, i just don't like high miles or large bills!
No one got any stats on the celica gt4? much slower than a scoob etc?
I will have to look at the old scoobs then and see whats about, i just don't like high miles or large bills!
No one got any stats on the celica gt4? much slower than a scoob etc?
30 January 2002, 04:12 PM
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Bravo,
Not wishing to harp on about the Virgin One account, but if you was to apply now it would be sorted in about 3 weeks.
They are ultra quick and everything is done either over the phone or by E mail.
You could quite easily save some money aswell.
J uk
P.S I'm not employed by said company or the Royal Bank of Scotland and have no commercial interest........blah blah blah
Not wishing to harp on about the Virgin One account, but if you was to apply now it would be sorted in about 3 weeks.
They are ultra quick and everything is done either over the phone or by E mail.
You could quite easily save some money aswell.
J uk
P.S I'm not employed by said company or the Royal Bank of Scotland and have no commercial interest........blah blah blah
30 January 2002, 04:46 PM
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I was in a 5 year fixed rate thingy with big redemtion penalty's but it was still worth while changing.
It's very awkward to explain here but their web site explains in very good detail on how you can save money and pay off your mortgage quicker.
Check out the web site and do the little examples they give and if you're impressed then give them a call and they can give you an answer over the phone (subject to survey), the conversation takes about 30 mins.
We changed about 8 months ago and we a set to pay off our mortgage 5 years earlier than normal and they don't mind if you borrow a bit more to buy a silly 4wd jap mobile
If you borrow a bit more for the car, then your only paying a very small % rate for a car loan.
J uk
It's very awkward to explain here but their web site explains in very good detail on how you can save money and pay off your mortgage quicker.
Check out the web site and do the little examples they give and if you're impressed then give them a call and they can give you an answer over the phone (subject to survey), the conversation takes about 30 mins.
We changed about 8 months ago and we a set to pay off our mortgage 5 years earlier than normal and they don't mind if you borrow a bit more to buy a silly 4wd jap mobile
If you borrow a bit more for the car, then your only paying a very small % rate for a car loan.
J uk
30 January 2002, 05:37 PM
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I can appreciate your dissapointment but at the risk of sounding like a sanctimonious tw*t why pay for a car on a mortgage (have I missed the point somewhere ?)
I know that owning an Impreza is important but to pay for one on a mortgage is plain mental, say you pay 12k for the car, putting 6k on the mortgage would cost you about 3 times that in the long run (dependant on term), the car will last a few years but you will be paying for it full term !
You have to buy a house on a mortgage and it makes sense but cars, not a good idea.
I am saving up for my next car, I paid cash for my T5 and in the meantime I use a £250 Pug 309 to get to work.
Anyway lecture over, hope you get it sorted and I am now concerned that I sound like my dad !
I know that owning an Impreza is important but to pay for one on a mortgage is plain mental, say you pay 12k for the car, putting 6k on the mortgage would cost you about 3 times that in the long run (dependant on term), the car will last a few years but you will be paying for it full term !
You have to buy a house on a mortgage and it makes sense but cars, not a good idea.
I am saving up for my next car, I paid cash for my T5 and in the meantime I use a £250 Pug 309 to get to work.
Anyway lecture over, hope you get it sorted and I am now concerned that I sound like my dad !
30 January 2002, 05:48 PM
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Mark I totally see your point, but I look at it like this, I put 10k into the mortgage in August and I simply wish to take it back as it is my money and it will be the same as if i took the mortgage out in august for an extra 10k!
Thats my way of making myself feel better!
Thats my way of making myself feel better!
30 January 2002, 06:42 PM
#21
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I was tempted to borrow some money from the equity in my house in order to buy a car, after carefull consideration I decided against it.
My car would last 6-7 years if I was lucky, my mortgage has 18 years left! not good.
I decided upon a 5 year loan from www.northernrock.co.uk instead, much better solution.
Good luck
My car would last 6-7 years if I was lucky, my mortgage has 18 years left! not good.
I decided upon a 5 year loan from www.northernrock.co.uk instead, much better solution.
Good luck
30 January 2002, 09:24 PM
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Bravo 2, you seem like a reasonable bloke !
I was worried that you might take that post the wrong way, its just I have seen one of my mates get himself deep in financial sh*t and end up on anti depressants, but then again he is a bit of an ****.
Anyway for 6K you can get a Corrado VR6 which is one top motor, also a Fiat 20v Coupe Turbo is coming into your budget, incidentally the Fiat is quicker to 100 than a standard Scoob, on paper and on the road (I have seen it done)
Let the flames commence........
I was worried that you might take that post the wrong way, its just I have seen one of my mates get himself deep in financial sh*t and end up on anti depressants, but then again he is a bit of an ****.
Anyway for 6K you can get a Corrado VR6 which is one top motor, also a Fiat 20v Coupe Turbo is coming into your budget, incidentally the Fiat is quicker to 100 than a standard Scoob, on paper and on the road (I have seen it done)
Let the flames commence........
30 January 2002, 11:29 PM
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Hi Bravo
Just to add my 2 penneth. Last year I remortgaged my house with a Virgin One account which I think is excellent by the way! I did have an MGF which I sold in summer to buy my ex out of the house (its a long story!) and I bought a good old Mk2 Golf GTI 16v (for sale if anyone's interested!) as a "put me on". By November though I was hankering after a new car and started looking around, I looked at GT4's, Corrado VR6's etc etc but couldn't find a decent one even though my budget was going up and up.
In the end I decided to go for the car I really wanted and buy a Scooby! As luck would have it there were 4 in Autotrader that suited me (5 door, sub £6.5k) and I bought a 94-M, 100k, immaculate, FSSH 2 owner car for £5.5k in December. So far (touch wood!) I've had no problems at all in the 4k miles I've done and have just had the cost of a service and new front pads.
As you can probably tell, I'm impressed :-)))
Rich
Just to add my 2 penneth. Last year I remortgaged my house with a Virgin One account which I think is excellent by the way! I did have an MGF which I sold in summer to buy my ex out of the house (its a long story!) and I bought a good old Mk2 Golf GTI 16v (for sale if anyone's interested!) as a "put me on". By November though I was hankering after a new car and started looking around, I looked at GT4's, Corrado VR6's etc etc but couldn't find a decent one even though my budget was going up and up.
In the end I decided to go for the car I really wanted and buy a Scooby! As luck would have it there were 4 in Autotrader that suited me (5 door, sub £6.5k) and I bought a 94-M, 100k, immaculate, FSSH 2 owner car for £5.5k in December. So far (touch wood!) I've had no problems at all in the 4k miles I've done and have just had the cost of a service and new front pads.
As you can probably tell, I'm impressed :-)))
Rich
31 January 2002, 10:00 AM
#27
Hey POC, dont be so quick to knock the GT4! yeah they may be a bit heavy but thats because they're built like tanks, and Ive never heard of anyone with a GT4 complain about piston slap, No.3 piston, clutch judder or stone chipping! plus they'll handle upto 350 bhp without having to go internal...or BANG!, and the WRC comes with antilag and waterspray as standard (admittedly not active tho 
)...and guess what Ive got 2 
DazW
'95 Black ST205 (jap)
'94 White ST205 WRC (jap)
[Edited by DazW - 1/31/2002 10:02:27 AM]
)...and guess what Ive got 2 DazW
'95 Black ST205 (jap)
'94 White ST205 WRC (jap)
[Edited by DazW - 1/31/2002 10:02:27 AM]
31 January 2002, 10:22 AM
#28
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Hi..
i know of a Celica GT4 for sale..
G plate for 3.5k... with Speelines Safari's.. saw it on Monday night and it's only round the corner from you in Fordcombe...
Call Graham or Nathan at GDA on 01892 740006
James
[Edited by JAMES BUSHELL - 1/31/2002 10:23:35 AM]
i know of a Celica GT4 for sale..
G plate for 3.5k... with Speelines Safari's.. saw it on Monday night and it's only round the corner from you in Fordcombe...
Call Graham or Nathan at GDA on 01892 740006
James
[Edited by JAMES BUSHELL - 1/31/2002 10:23:35 AM]
31 January 2002, 11:13 AM
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Cheers for the replies guys, I have only just got in after beers and curry last night so need to consider my options this morning, altho as I already paid the Abbey valuation and admin fees I will be trying the appeal process with the help of local estate agents and try to get my original amount. Andrew W I am hoping I will get this sorted cos I still want your car but if I know its not gonna be possible I will let you know for sure! Nothing is ever easy in this friggin country with companies trying to do you over!
I think it may well be the GT4 if I cant find a scooby if things stay pear shaped tho but I really hope it doesn't come to this.
I think it may well be the GT4 if I cant find a scooby if things stay pear shaped tho but I really hope it doesn't come to this.
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