Well a power commander and dyno run at some point. Possible HID the dipped beam and a intigratered rear light. Other than that with the deal I've done everything else is done!
I'm gutted :-(. Dealers called and says that they have declined the finance. I don't under stand how! Never been in debt always pay off everything and the mortgage is up to date. Reason aparently is that I've not had a personal loan in a 9 odd years! WTF. I know mates who are up to their eyeballs in debt but can get another loan. Anyone else had this before? Seems the dream bike is slipping away from me :-( Dealers working on getting me a deal with a different lender now but that will probabaly mean paying interest on the older bike and I'm not really keen on that. Hacked off now and totally gutted. :-(
Gutted for you mate. i have never had to have finance as i have always bought my bikes with cash in the sellers hand. if your not wanting to pay the high interest rates how about taking out more on your mortgage as that will be at a much lower rate
I am so sorry to hear this mate, hope you find a solution and soon.... this really is mad, like you say you get by without borrowing cash and your suddenly a risk ???? Don't give up I am sure things will sort themselves out
Well they are looking getting me another deal. Still in a bit of a daze here as if they don't sort something out that's it I won't be getting the bike. I don't want to put it on my mortgage Guess it will be saving hard to buying a bike for cash in a year or two. Throughly hacked off here and at work and now I can't be arsed to be here!
Understandable mate, hopefully they will come through for you, they want to sell the bike as much as you want it ! (maybe not quite as much ) but they will do there best I am sure
Besides we all like you being part of the forum , if they dont come up with the goods we will all be gutted when you leave us as in a angry protest against Honda fianance
Feel for you mate, and have experienced a similar issue myself last year. But cant help thinking something is not quite right here, you need to ask the dealer to check that all the info is correct. Luckily I don’t have a mortgage anymore, have only one credit card that is always paid off every month. Cash in the bank, various property assists and a good job. I was going to pay cash last year for my 2011abs but dealer offered % finance so thought why not, better use their money then mine. Dealer filled forms in on line while I had a coffee; two minutes later it was approved. Job done. I applied for a new credit card and got turned down! Enquired why, and was told that as I don’t have any credit rating due to lack of borrowed money and therefore they couldn’t approve me. Like you I have a mate with a huge mortgage, bank loans and credit card debt coming out his ears and he just took out another huge loan to buy a car. It all makes no sense to me. If I was you I would be asking questions and assuming you don’t have some past long forgotten credit issues you should be ok.
Nope no issues at all checked all the details and they are correct. They are working it not seems the lack of payment history is the trouble here but we shall see. Update later :-(
Gutting I know, but this is relatively common place. The sick minds who write the software, yes software, that scores you, risk wise actually believe that the less you actually owe, the less of an actual hold there is over you if you should decide to skip on a debt. It looks at someone who's up to his eyeballs and thinks 'this jerks going nowhere, let's load him up some more. In the eyes of the pseudo psychologist arsehole accountants that think up these criteria I became a greater risk to them once I finished paying an £800 a month mortgage and they wanted me to re mortgage rather than give me a loan to build a new garage. Wankers. It pisses me off big time as it not only doesn't reward you for being diligent with your finances but actually marginalises you for it. Wankers + 1 I know who's going to be the third group up against the wall come the glorious day.
Sorry to hear phantom but if you want it to happen I'm sure it will. Even if the 0% thing doesn't come off there are other ways. I'm not going to encourage you to take on debt or additional interest costs, but there are cheap ways of getting cash. Depending on what mortgage you have and how flexible it is, that may actually work out your best option in the short term. Def not offering advice here as I ain't qualified to do that, but there are a lot of options these days.
I won't borrow on my house that's definatley out of the question. What will be wil be I guess. Still waiting on the dealer to get back to me. So we shall see. Will be gutted if it doesn't get sorted. But will just have to get one without a bike for now. :-(
UPDATE and sort of smiling again. So the finance has now been approved. But at 5.6% which obviously means I end up paying more for the bike :-(. Not really sure what to do now and have told the dealer to leave it until Monday so I can have a think about it as the whole point of buying the 2011 bike was to get the 0%. Dilemma. What do you think? Aaarrggggghhhhh
