finance

[sammyd]

hey could i get finance on a set of wheels if i have bad credit rating from o2? or does that go through every system

just trying to get a nice set of wheels for the saxo and just wondering if its possible

[stevie_m]

i'd say no, if you fail to get the loan.. it makes your credit rating worse

[sammyd]

opps lol i have already sent the form off to them on the internet lol sure if all else fails ill get sorted out someway

[byrnes]

What site can you get finance for alloy wheels mate?

[Bickerton]

demon tweeks

[byrnes]

Oh right ha, thanks mate.

[Mr_X]

jesus fuck, its only alloys. not worth finance

[Saxoladlesta]

+1 from above.
Fuck finance on a set of wheels just set the money aside for a few months.Finance is at best to be used for a new car etc :y:

[rosco27]

If you don't mind me asking what happened with O2? It's just the odd late payment here and there then you might be ok. Was it recently?

[sammyd]

lol o2 i ran up a 200 quid bill on contract then they billed me for the rest of the fone which turned out to be 500 all together lol was months ago lol

btw its finance from wheel-base 0% finance :D or sumthin like that

[bpm]

Any finance company will go through a credit scoring system like experian. Anything in your past from a late payment to an un paid credit will show up. Covers cards, banks, loans, council stuff even rent or mortgages.

In todays market with a black mark against your name you probably will not get anything and as its quite recent that will be really bad. Also having credit refused will now count against you for a further 3 months if you decide to go for anything else.

[sammyd]

fkin hell:( lol cheers

[rosco27]

Did you pay it all off or did you leave it for months? I.e did they send you a default notice? If not then you may be ok but like said in this current climate, recession etc it's harder to get credit. You can aply and see what you get. If it's a no then I would perhaps not apply for anymore credit unless you really need to....

[sammyd]

i still havent paid it as i couldnt afford 500 quid but gonna clear it up once i get my cash sorted but i just got fianance on the wheels because wanted new set lol

[VTR_SCANTY]

no offence mate...but if you can't afford to pay off your existing debt, then how u gonna afford to pay off the finance on your wheels? need to sort you priorities out

[Saxotim]

no offence mate...but if you can't afford to pay off your existing debt, then how u gonna afford to pay off the finance on your wheels? need to sort you priorities out

this.

sort out your existing debts first then save for the rimmzzz its not that hard, fuck getting finance for 500quid or whatever

[sammyd]

it will be ok lol o2 stopped hasteling me

[0rang3peel]

you have outstanding debts and you wana finance some shitty new alloys? is this a serious post

[Chris_O]

no offence mate...but if you can't afford to pay off your existing debt, then how u gonna afford to pay off the finance on your wheels? need to sort you priorities out

he speaks the truth!

[sammyd]

lol ok then i get the point lads thanks ill just sort debits out then :) cheers

[Barry123]

if you have a shitty credit rating... they'll no doubt raid your ass like a bank heist with the interest rates.

Save... then spend :)

[sammyd]

yeah m8 i agree cheers

[Fulch]

no offence mate...but if you can't afford to pay off your existing debt, then how u gonna afford to pay off the finance on your wheels? need to sort you priorities out

you have outstanding debts and you wana finance some shitty new alloys? is this a serious post

+10,000 on this, sort it out mate, i know i aint got a good rating, this why everythign for my car has stopped and i'm just concentrating on getting it back on track. the more credit you aplly for, the more it goes against you e.g you apply for a loan, then a contract phone, then finance, then a credit card, just dont do it!!!! phone up o2 and offer to go on a "Fixed Payment Agreement" i should know i work in the credit industary, offer them about £50 p/month and sort it, the sooner the better otherwise you'd be fucked for life when you want a new car/house etc etc

[bpm]

Wahey someone who works in the credit industry, do you work buisness or personal so I can pick your brains????

[Giraffe]

Is it people like this we can blame for the recession, as well as the dumb companies who gave credit to risky people!? String him up!

Only joking, seriously though, what everyone else has said. Sort out your debts first, then save for some alloys, they aren't the be all and end all of life, they can wait. Seriously, the less debts you have must be inversely proporional to happiness, I think?

[sammyd]

ok thanks very much people sorry to piss yas about :p ill sort it out