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    The "I want a cheap/free car with at least a 2 litre engine so I won't look bad going to interviews but it must come with free insurance and I don't have a job so I'll need a loan for it" thread.

    There seems to be a lot of requests for cars that come with no monthly repayments for 3 years, free insurance and will be given to you without having a job to pay off the loan - can we do an Ocean Finance and consolidate all the small idiots into one, manageable, huge monthly repayment?

    12 Comments

    LOL :-) Love those threads. It's like being on MSE.

    I think part of the problem is that young people fresh out of uni may have seen how easy it was for their parents to get credit and now can't understand that credit is very hard to obtain these days unless you can prove you can repay it.

    For example, my credit limit is £17k, yet I'm still unemployed (not for the lack of trying!) but I got that limit about 6 years ago. No way would anyone even give me a £500 limit these days.

    Original Poster

    whatsThePoint

    At least they understand how the tax system works


    Yes. Hurrah for them!

    Banned

    Voted cold. Not 4 years free payments.

    There are clique's in many work places where having a nice new BMW/Merc/Alfa gives you kudos etc etc, between men and women Kudos from people who couldn't give a toss about you and essentially mean nothing but many people treasure it never nonetheless.

    Alot throwing money away on a life style on car repayments, on rent, on things they can't always afford, always on credit etc etc.

    Lots's of business's rely on this culture to survive.
    Lot's of these people having had very nice cars wtc in their 20'a AND 30'S but have nothing to show for it when they settle down.

    95% mortgages are back, so there's no real excuse for not getting on the property ladder if you can afford it and don't throw money away down a black hole of a vain and shallow overpriced lifestyle.

    We have tenants who pay £2k/month in rent but have close to £100k of cars on the driveway, says it all really.
    Edited by: "schizoboy" 21st May 2011

    For the op, i don't see why not getting lease on a more sensible badge over 3/4/5 years, on a car that will be looked after and last and DOES NOT need to be a prestige brand, why really give a ****** a out what a work colleague thinks of your car really so long as it does the job of commuting you to your job??? Not to mention all that investment on something guaranteed to depreciate, leasing makes more sense?

    Edited by: "schizoboy" 21st May 2011

    Banned

    schizoboy

    For the op, i don't see why not getting lease on a more sensible badge … For the op, i don't see why not getting lease on a more sensible badge over 3/4/5 years, on a car that will be looked after and last and DOES NOT need to be a prestige brand, why really give a ****** a out what a work colleague thinks of your car really so long as it does the job of commuting you to your job??? Not to mention all that investment on something guaranteed to depreciate, leasing makes more sense?


    I think you missed the point............

    hotukdeals.com/mis…500

    csiman

    I think you missed the … I think you missed the point............http://www.hotukdeals.com/misc/new-cars/942500



    oh lol, never saw that, assumed he was referring to something similarly idiotic though, show me a under 30 post grad that knows how to appreciate and manage money?

    Nah they know how payment plans and credit cards work though

    "Live within your means ", utterly lost on them. let alone the ability to save money to get onto the property ladder.

    Edited by: "schizoboy" 21st May 2011

    Original Poster

    schizoboy

    oh lol, never saw that, assumed he was referring to something similarly … oh lol, never saw that, assumed he was referring to something similarly idiotic though, show me a under 30 post grad that knows how to appreciate and manage money?Nah they know how payment plans and credit cards work though"Live within your means ", utterly lost on them. let alone the ability to save money to get onto the property ladder.



    You're still missing the point! I'm referring to the number of people on here who think getting a £10k loan to buy a £5k car, using £2k for insurance and the rest to "pay off a few months of the loan" when they "don't have a job but parents have a good credit rating" is the done thing... because you can't get the bus to a job interview!

    baffledsalmon

    You're still missing the point! I'm referring to the number of people on … You're still missing the point! I'm referring to the number of people on here who think getting a £10k loan to buy a £5k car, using £2k for insurance and the rest to "pay off a few months of the loan" when they "don't have a job but parents have a good credit rating" is the done thing... because you can't get the bus to a job interview!



    So there are plenty of unemployed enobs living off mummy and daddy not truly indpendent.
    and makes stupid request for cheap cars on hukd.

    is it the end of the world?

    Their bloody problem they can't get away from the skirts of their parents not mine

    Banned

    schizoboy

    show me a under 30 post grad that knows how to appreciate and manage … show me a under 30 post grad that knows how to appreciate and manage money?



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