Hi All,
Leaving the office, the clouds were grey and certainly far from partying in the sky above Bedford this afternoon as I jumped out of a work colleagues new car as she dropped me to the car dealership. I thought about the first time I came here and how I missed my little orange Ford Fiesta, Vivienne. Alas that chapter had ended with the haulage truck turning up last week to take her away, sparing me the anguish of seeing her leave whilst I had gone off to get my hair done!
As I skipped into the dealership I was excited to see my new arrival outside, glinting in the overcast silver sky. The cute little Fiat 500L in red was to be christened "Clifford". He is big. He is red. He is mine. The 1.3 liter, 5-door multijet needed to be moved closer for me to have a proper look around the car and following a visit to meet him on Wednesday of last week I finally got a chance to have a whizz around town. A full panoramic glass roof, touch screen on board computer system, cruise control and even a trusty CD player I was certainly glad of some of the mod-cons. With just over thirty-thousand miles on his 2013 plate clock, it was certainly a steal at £140 per month on a Hire Purchase finance deal.
But I know what your thinking. With several grand sat in the bank, would it not have been better and more cost effective to put that money towards my new car, whatever it may be? However whilst I have essentially walked away not only unscathed but very-much essentially up on my investment, the money would be of much more use to me not tied up and with easy access should I need it in the future, that and the wedding would be nicely taken care of. Why didn't I consider a brand spanking new motor? The fact is that it would depreciate by over a third just by driving it off the forecourt which is always a huge factor in why I have chosen and will probably continue to choose to buy second-hand over new.
That being said, my settlement doesn't make me stupid with money as the dealership found out in more ways that one. Following the visit to meet Clifford on Wednesday and our test drive, I was informed that there had been some minor damages on the vehicle and that they would be fixed before collection in a couple of days time, one being the rear brake light was cracked and the other being the front passenger seat belt casing was missing. Assured that the car would be fully checked and valeted as well before Clifford was ready to come home I was taken into the offices of Evans Halshaw Vauxhall in Bedford, offered a hot chocolate and the paperwork to sign and read through.
However, reading down the page I could see that there was something blatantly obvious that had not been picked up and was potentially a huge issue. The Interest rate. Now cast your mind back to when I initially bought
Vivienne I did not necessarily know about the best way to get finance on a car. I assumed, and rightly so I would be charged a slight premium for opting to go through the salesman who puts on their percentage, and then through the dealership who puts on their percentage to go to the finance company who, you guessed it, put on their percentage. But I never knew of the horrendous rate I was on until the accident. Nearly. Twenty. Percent.
I was shocked, to say the least, and when I discovered what I had been paying for the two and a half years nearly I felt stupid. Normally I am so money conscience and always wanting to know if there is a way I can get it or a similar product cheaper or getting the best deal on something, only to be faced with an extortionate interest rate. Now I know that things were different back then and interest rates were higher, however when reading through the paperwork this time I was certain to make sure that the interest rate was no more than the ten-percent advertised by the saleswomen. But now, as I read through the pages and pages it stared be dead in the face. There it was in black and white. 12.9% APR interest rate. I asked why this was different to a few days ago when I initially enquired about the car and was met with a rude response.
The rotund, grey-haired gentleman told me that it was what it was and it had always been that rate whether I was to borrow five pound or five thousand pounds.
"Well it is only a three-percent difference, I can't see what the issue is?" He scoffed as I continued reading through, trying to work out my next move while deciphering the technical language and car jargon.
"This is not was agreed or explained to me," I said boldly as I pushed the paperwork back across the desk. I stood up and thanked the sales lady for showing me the car and stated I would be in touch as the car was not the issue, the interest rate (and the old farts attitude) was. Spinning on my heels I turned and left, hoping they would call me back and offer a more reasonable rate.
They did not, however arriving back home I had no sooner sunk into the black couch then I had a phone call. It was the finance manager.
"I am sorry you have had this experience," he explained "I do hope that you will let me rectify this. You see I could essentially give you the car for 0% APR but that would mean I would be in negative commission and wouldn't make any money from the sale, so I am happy to beat the initial offer and settle at 9.9% if you are happy with this?" He continued. I thought long and hard about what he had to say. Time was running out on the hire car and I needed to make some decisions and fast. On agreeing that I was happy to settle at the now reduced rate (not that 0.01% is hardly a huge discount) I explained that considering I could go to a bank or online and get a loan for less than a third of what I was expected to pay, and I was already sensitive about the interest rate since last time I bought a car I was taken for a ride (I would excuse the pun but I love it too much)!
Happy I went along my merry way and was excited to pick up my car in a few days time once the work had been completed on the rear brake light and the front passenger seat belt casing. Although less than twenty-four hours after the APR debacle I had another phone call from the dealership.
"So the front passenger seat belt casing will not be replaced due to the age of the car (its a 2013 plate car - less than six years old) but also because the part is a couple of hundred quid as the part comes only as a set and goes right the way under the seat." The sales lady explained. Fuming I ended the phone call and wondered what to do next. I had even less time now until my hire car went back and needed something soon.
After getting some advice from work colleagues who knew the car industry well, I called the general manager of the dealership and asked why this could not be fixed as part and parcel of the works, considering all the issues I have had, and with special thought to the fact that whilst I am buying a used car, this was now a broken car with an issue that was not detailed on the pictures, nor on the information held on the website. Going off to investigate I was prepared to ask for something cheekily to be thrown in if they could not fix it free of charge, however I needn't have put on my boxing gloves, for when the manager called back moments later I was told that this would be done as soon as the part was in and without any cost to myself.
With no noticeable damage or scratches to the paintwork and after being shown around and how to use him, I bid farewell to the sale lady (although I am certain she was more pleased to see me go) and with that, Clifford's almighty diesel engine steered me homeward bound. I am certainly looking forward to more adventures together, and hopefully even sharing it as Mr Warehouse and I expand our family in the future. Road trips, holidays and sneaky trips to the shops, I will be sure that Clifford and I will be riding high!
'Til next time, Love A.Lou xx
Showing posts with label Car Hire. Show all posts
Showing posts with label Car Hire. Show all posts
Monday, 8 April 2019
Monday, 1 April 2019
The Fast and Furious of Adulting
Evening All,
Following last week's final adventures in my little Vivienne, she is awaiting her final journey to Car heaven as is still on my driveway. The 2011-plate little orange Ford Fiesta, with her five-door hatchback body and a 1.4L engine she certainly was everything I had ever hoped for in my first car. Viv's multi-functional steering wheel, automatic headlights and rain sensors I was please that I had experienced my first real taste of the open road in her. But alas all good things must come to an end and this week and I will hopefully be welcoming in a new car to my driveway, other than the swanky black Vauxhall Corsa I have had the pleasure of driving for the last few days.
After a heavy night of drinking, dancing and laughing with Miss Hackney and Miss Sugar-Coat, I was not sure I could even look at a car, let alone drive one. But nevertheless, taking time out on Saturday to have a race day with my fiance, Mr Warehouse, at the Bruntingthorpe track in the Harborough district of Leicestershire was certainly one way to get over a fragile head. The best way though, Im not so sure!? A Christmas present from last year from Mr. Warehouse, he had certainly been listening to me when I was banging on about driving a fast car round a race-track. And so I drove the hired Vauxhall Corsa through the country lanes and even avoided a few horses on the road not to mention the sheep crossing too.
I had a fantastic day driving a Mazda MX5 race car. Complete with full roll cage, race suspension and mechanical backup, this was the perfect car for Bruntingthorpe Airbase circuit and has left me wanting more. And so I booked the Bae and me to experience a Ariel Atom Passenger ride where Mr. Warehouse and I hit the tarmac for a supercharged Ariel Atom. The Atom houses a Jacskson Racing Supercharged Honda i-VTEC engine. Stripped to it's bare essentials, a chassis, wheels, engine, gearbox and suspension gives the Atom a better power to weight ratio than the mighty Bugati Veyron. Experiencing one of the quickest cars with a 0.60 in less than 3 seconds was exciting and a great day out and was sure to get our adrenaline pumping.
And after waiting patiently for the last few days I finally had the call I was expecting from the insurance company. Answering all the relevant security questions I prepared myself for the inevitable conversation of being paid barely enough to pay of my finance deal, let alone buy another car.
"Sorry can I just get you to clarify that again for me?" I asked, desperately trying to process exactly what the call handler has just told me.
"Yes certainly madam. So the car's total value is £8,500.00 give or take. Now obviously we have the insurance excess and a few admin charge that we need to take off before we pay the finance company. Although once the insurance company has paid off the finance deal and taken the relevant fees we will be transferring the remainder £4,200.00 over to yourself. Is this OK?" the call handler explained. I was shocked to say the least! Considering I had already bought and financed the car at quite a high rate of interest I was not expecting a single penny back to me at all. As long as the finance deal was settled in full be it partly an insurance pay-out and partly my asset protection insurance to cover the rest, I considered walking away from the situation washing my hands and starting afresh.
"Hello? Miss? Are you there?" the friendly young gentleman said on the other line. Confirming some further details the the call ended and I expected to receive a email or phone call shortly after explaining that there had been a mistake in the finance settlement.
However, less than a few hours later I received an email confirming exactly what I was told over the phone and that I should be expecting payment within the next forty-eight hours. Still in shock, I thought of didn't really believe it until I saw my bank account the next day which read a full four digits on my screen. Excited I started looking for my new car right away, all in the knowledge that I could receive a phone call any second telling me that I would need to hand my hire car back. This would probably have not been such a big deal had I been living in Bedford town center as before, however as I am now a country bumpkin living out in the sticks of Cranfield I have no choice but to need a car. Although I was certainly not going to be making the same mistake as I did last week when I eagerly called the insurance company so I could get the ball rolling following a message from the estimator's garage.
Mostly over the last few days I have been spent looking online at car dealerships websites for any car that tickles my fancy. Obviously I am not looking for much in my next car however I would like some specifications I have since become accustomed to. Firstly on my shopping list is the price as I would like to keep it under the same value that I am already paying on a monthly basis. Secondly, I need the car to be at least a 1.4 engine as anything smaller would be taking a back step from my previous vehicle. Ideally I would like the car to be newer with less mileage on the clock. If I can continue with a petrol engine then that would be fantastic but it must be a manual, only for the fear that if I was to get an automatic with my lazy brain I would forget how to drive stick. Mod-Cons that I would be looking for may include a heated windscreen to save time in the wintery months, a heated steering wheel for exactly the same reason and even a touch screen navigation system.
However that being said, I think I may have already met my new car. Scrolling online I found a cute little Fiat 500L in red. The 1.3 liter, 5-door multijet needs to be moved closer for me to have a proper look around the car and even have a whizz around town but with just over thirty-thousand miles on it 2013 plate clock, it was certainly a steal at £140 per month on a Hire Purchase finance deal.
Now I know what your thinking, walking away from this unscathed and essentially up n an investment, why didn't I consider a brand spanking new motor? The fact is that it would depreciate by over a third just by driving it off the forecourt which is and always has been a huge factor in why I chose second-hand over new not just the first time buying a car but also the second time too. With no noticeable damage or scratches to the paintwork and it's almighty diesel engine I am certainly looking forward to receiving my new car and hopefully having this one for good!
'Til next time, Love A.Lou xx
Following last week's final adventures in my little Vivienne, she is awaiting her final journey to Car heaven as is still on my driveway. The 2011-plate little orange Ford Fiesta, with her five-door hatchback body and a 1.4L engine she certainly was everything I had ever hoped for in my first car. Viv's multi-functional steering wheel, automatic headlights and rain sensors I was please that I had experienced my first real taste of the open road in her. But alas all good things must come to an end and this week and I will hopefully be welcoming in a new car to my driveway, other than the swanky black Vauxhall Corsa I have had the pleasure of driving for the last few days.
After a heavy night of drinking, dancing and laughing with Miss Hackney and Miss Sugar-Coat, I was not sure I could even look at a car, let alone drive one. But nevertheless, taking time out on Saturday to have a race day with my fiance, Mr Warehouse, at the Bruntingthorpe track in the Harborough district of Leicestershire was certainly one way to get over a fragile head. The best way though, Im not so sure!? A Christmas present from last year from Mr. Warehouse, he had certainly been listening to me when I was banging on about driving a fast car round a race-track. And so I drove the hired Vauxhall Corsa through the country lanes and even avoided a few horses on the road not to mention the sheep crossing too.
I had a fantastic day driving a Mazda MX5 race car. Complete with full roll cage, race suspension and mechanical backup, this was the perfect car for Bruntingthorpe Airbase circuit and has left me wanting more. And so I booked the Bae and me to experience a Ariel Atom Passenger ride where Mr. Warehouse and I hit the tarmac for a supercharged Ariel Atom. The Atom houses a Jacskson Racing Supercharged Honda i-VTEC engine. Stripped to it's bare essentials, a chassis, wheels, engine, gearbox and suspension gives the Atom a better power to weight ratio than the mighty Bugati Veyron. Experiencing one of the quickest cars with a 0.60 in less than 3 seconds was exciting and a great day out and was sure to get our adrenaline pumping.
And after waiting patiently for the last few days I finally had the call I was expecting from the insurance company. Answering all the relevant security questions I prepared myself for the inevitable conversation of being paid barely enough to pay of my finance deal, let alone buy another car.
"Sorry can I just get you to clarify that again for me?" I asked, desperately trying to process exactly what the call handler has just told me.
"Yes certainly madam. So the car's total value is £8,500.00 give or take. Now obviously we have the insurance excess and a few admin charge that we need to take off before we pay the finance company. Although once the insurance company has paid off the finance deal and taken the relevant fees we will be transferring the remainder £4,200.00 over to yourself. Is this OK?" the call handler explained. I was shocked to say the least! Considering I had already bought and financed the car at quite a high rate of interest I was not expecting a single penny back to me at all. As long as the finance deal was settled in full be it partly an insurance pay-out and partly my asset protection insurance to cover the rest, I considered walking away from the situation washing my hands and starting afresh.
"Hello? Miss? Are you there?" the friendly young gentleman said on the other line. Confirming some further details the the call ended and I expected to receive a email or phone call shortly after explaining that there had been a mistake in the finance settlement.
However, less than a few hours later I received an email confirming exactly what I was told over the phone and that I should be expecting payment within the next forty-eight hours. Still in shock, I thought of didn't really believe it until I saw my bank account the next day which read a full four digits on my screen. Excited I started looking for my new car right away, all in the knowledge that I could receive a phone call any second telling me that I would need to hand my hire car back. This would probably have not been such a big deal had I been living in Bedford town center as before, however as I am now a country bumpkin living out in the sticks of Cranfield I have no choice but to need a car. Although I was certainly not going to be making the same mistake as I did last week when I eagerly called the insurance company so I could get the ball rolling following a message from the estimator's garage.
Mostly over the last few days I have been spent looking online at car dealerships websites for any car that tickles my fancy. Obviously I am not looking for much in my next car however I would like some specifications I have since become accustomed to. Firstly on my shopping list is the price as I would like to keep it under the same value that I am already paying on a monthly basis. Secondly, I need the car to be at least a 1.4 engine as anything smaller would be taking a back step from my previous vehicle. Ideally I would like the car to be newer with less mileage on the clock. If I can continue with a petrol engine then that would be fantastic but it must be a manual, only for the fear that if I was to get an automatic with my lazy brain I would forget how to drive stick. Mod-Cons that I would be looking for may include a heated windscreen to save time in the wintery months, a heated steering wheel for exactly the same reason and even a touch screen navigation system.
However that being said, I think I may have already met my new car. Scrolling online I found a cute little Fiat 500L in red. The 1.3 liter, 5-door multijet needs to be moved closer for me to have a proper look around the car and even have a whizz around town but with just over thirty-thousand miles on it 2013 plate clock, it was certainly a steal at £140 per month on a Hire Purchase finance deal.
Now I know what your thinking, walking away from this unscathed and essentially up n an investment, why didn't I consider a brand spanking new motor? The fact is that it would depreciate by over a third just by driving it off the forecourt which is and always has been a huge factor in why I chose second-hand over new not just the first time buying a car but also the second time too. With no noticeable damage or scratches to the paintwork and it's almighty diesel engine I am certainly looking forward to receiving my new car and hopefully having this one for good!
'Til next time, Love A.Lou xx
Monday, 19 March 2018
Back To The Emerald Isle
Afternoon,
Working flat out again in order to get done and dusted in time to catch the evening flight to Dublin International I raced out of the office and bombed it down the road to Nanny Pumpkin's house. Parking the car up and popping in to see her and other family members for a few moments before the cab arrived I was pleased that she was looking well, especially given the circumstances. Boarding the plane, Mr. Warehouse and I were lucky to blag not just seats together (obviously being Ryanair it was doubtful we would be sitting together unless we paid more than the flight itself) but we also managed to get slap bang in the middle of the plane meaning extra leg room for Mr. Warehouse's pins!
Arriving in a drizzly Dublin I worried as Mr. Warehouse and I bumbled through passport control and immigration, collecting our bags and heading to the hire car desk, anxiously awaiting to see if we would be given the car. This was the first time that we will be hiring a car and as such I was nervous about it all. Because I had been driving less than two-years I had difficulty trying to find a hire car to start off with, but eventually I found a reliable and trustworthy car hire company in Thrifty. I had several concerns and worries on the run up to collecting the car and one of those was the fact that there was a €1,700.00 deposit needed to be placed on a credit card. A credit card in which I did not have a limit for. And so Mr Warehouse had volunteered himself to put the deposit on his own credit card. This would have solved things nicely until we discovered that Mr Warehouse did not know what his pin was and after several attempts at a local corner shop had blocked the card.
Worries and concerns aside we collected our hire car keys and headed to have a look at what we had bagged ourselves. Dashing out to the car park avoiding the raindrops as we went I was constantly unlocking and locking the car to see which lights would go off. Eventually the Bae spotted some headlights flashing in the distance and as we got closer and closer we realised that it was a huge 4x4 type vehicle. I thought to myself that 'surely this can't be our car' and I was right for the next few moments a gentleman walked passed us both with a briefcase. Yes this was not our car. Walking on a little further we seen clicked and found a few flashing headlights that ended up to be hours. As I sat in the driver's seat and adjusted my position to something a little more comfier, Mr. Warehouse loaded the boot up with the suitcase and paced round the outside in order to make a note of any additional knocks, bumps or scrapes. With everything seemingly in order we headed off out of Dublin city centre and on the road to the sticks (AKA County Kilkenny), arriving with my auntie and uncle just after midnight making good time on their assumptions of having to wait up until the early hours only to receive a phone call from me saying that I was lost somewhere in Galway.
The next few days for sprint in a blissful unawareness of work or anything remotely strenuous, instead spending our time talking about family, life in general for Mr. Warehouse and I back home in the UK and drinking. Lots of drinking! The thing is that Ireland for me has always been a retreat and somewhere to rest your bones whilst the rest of the world ticks on by. Something about The Green Isle always makes me feel better after visiting. I suppose given my grandfather's departure last week, almost to the hour that I am writing this, a visit to see family and recuperate was certainly something that I think both Mr Warehouse and I definitely needed.
But alas we all have to come back to reality at some point and mine just happened to be this morning. With everything said and done most things are now organised and set in place ready for the funeral. I have yet to still get a hold of my brother, although I do hope that he has some sense in order to try and make amends with the family but if not that then at the very least to pay his respects and see our grandfather who loved us irrespective of our differences or how our parents treated one another. In a funny sort of way I have made my peace with my Granddad and all I want is for him to have the opportunity do the same. I suppose only time will tell.
'Til next time, Love A.Lou xx
Working flat out again in order to get done and dusted in time to catch the evening flight to Dublin International I raced out of the office and bombed it down the road to Nanny Pumpkin's house. Parking the car up and popping in to see her and other family members for a few moments before the cab arrived I was pleased that she was looking well, especially given the circumstances. Boarding the plane, Mr. Warehouse and I were lucky to blag not just seats together (obviously being Ryanair it was doubtful we would be sitting together unless we paid more than the flight itself) but we also managed to get slap bang in the middle of the plane meaning extra leg room for Mr. Warehouse's pins!
Arriving in a drizzly Dublin I worried as Mr. Warehouse and I bumbled through passport control and immigration, collecting our bags and heading to the hire car desk, anxiously awaiting to see if we would be given the car. This was the first time that we will be hiring a car and as such I was nervous about it all. Because I had been driving less than two-years I had difficulty trying to find a hire car to start off with, but eventually I found a reliable and trustworthy car hire company in Thrifty. I had several concerns and worries on the run up to collecting the car and one of those was the fact that there was a €1,700.00 deposit needed to be placed on a credit card. A credit card in which I did not have a limit for. And so Mr Warehouse had volunteered himself to put the deposit on his own credit card. This would have solved things nicely until we discovered that Mr Warehouse did not know what his pin was and after several attempts at a local corner shop had blocked the card.
Worries and concerns aside we collected our hire car keys and headed to have a look at what we had bagged ourselves. Dashing out to the car park avoiding the raindrops as we went I was constantly unlocking and locking the car to see which lights would go off. Eventually the Bae spotted some headlights flashing in the distance and as we got closer and closer we realised that it was a huge 4x4 type vehicle. I thought to myself that 'surely this can't be our car' and I was right for the next few moments a gentleman walked passed us both with a briefcase. Yes this was not our car. Walking on a little further we seen clicked and found a few flashing headlights that ended up to be hours. As I sat in the driver's seat and adjusted my position to something a little more comfier, Mr. Warehouse loaded the boot up with the suitcase and paced round the outside in order to make a note of any additional knocks, bumps or scrapes. With everything seemingly in order we headed off out of Dublin city centre and on the road to the sticks (AKA County Kilkenny), arriving with my auntie and uncle just after midnight making good time on their assumptions of having to wait up until the early hours only to receive a phone call from me saying that I was lost somewhere in Galway.
The next few days for sprint in a blissful unawareness of work or anything remotely strenuous, instead spending our time talking about family, life in general for Mr. Warehouse and I back home in the UK and drinking. Lots of drinking! The thing is that Ireland for me has always been a retreat and somewhere to rest your bones whilst the rest of the world ticks on by. Something about The Green Isle always makes me feel better after visiting. I suppose given my grandfather's departure last week, almost to the hour that I am writing this, a visit to see family and recuperate was certainly something that I think both Mr Warehouse and I definitely needed.
But alas we all have to come back to reality at some point and mine just happened to be this morning. With everything said and done most things are now organised and set in place ready for the funeral. I have yet to still get a hold of my brother, although I do hope that he has some sense in order to try and make amends with the family but if not that then at the very least to pay his respects and see our grandfather who loved us irrespective of our differences or how our parents treated one another. In a funny sort of way I have made my peace with my Granddad and all I want is for him to have the opportunity do the same. I suppose only time will tell.
'Til next time, Love A.Lou xx
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