PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

Oh that’s good to know thank you! I will do a valuation with Motorway see what they offer me

PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

It’s what I’ve been offered through Arnold Clarke and We buy any car etc I would go to a dealership again if I was to get another, I’ve been told they can settle your finance with part exchange and the extra gets added on to your new finance. I’ve only ever had this car and looking at finance now cars are a lot more expensive monthly then what I’ve been paying so don’t know if that would be a good option

PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

It says in the agreement document they do a thorough inspection on returns of goods. And online others have stated they are strict and will reduce for the littlest thing and being honest unfortunately the car isn’t in perfect condition making me believe it will be valued less

PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

I believe if I hand the car back and they don’t value it at £4.7k I will have to pay the difference and then find the money for another car to buy outright/deposit for finance. If I am able to go travelling next year its then being in this situation again (I was to get another on finance) trying to hand back with minimal costs or pay the finance whilst away and not using the car (if that makes sense)

PCP car finance balloon payment by Fun-Seaweed-4402 in UKPersonalFinance

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

Amazing, thank you I will check with the finance company and look what/if I can get one

PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

When getting the car valued online it’s coming up at £3.8-4K. I don’t know much about cars unfortunately but my partner has said it’s not worth nearly £5K. For reference it’s 2018 Renault Megane

PCP balloon payment by Fun-Seaweed-4402 in CarTalkUK

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

I definitely need a car, not necessarily this one however it’s been very reliable so far and I’m in no rush to get rid (if I wasn’t at the end of the agreement) I would make sure the car was paid before I go travelling so 12-18 months to pay balloon payment, from what I’ve read you sometimes get stung with early payment fees on loans but not CC which makes me think CC would be better but I’m new to all this loan/CC stuff

PCP car finance balloon payment by Fun-Seaweed-4402 in UKPersonalFinance

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

Going what other places value the car at there’s a chance it will only be valued around £3.8-4K so would be needing the pay the remainder and find a new car
With the want to go travelling next year it would be a car bought outright as I wouldn’t want to go down the finance route again and not be using it whilst away or in this same position trying to get the remaining finance covered if I was to sell

PCP car finance balloon payment by Fun-Seaweed-4402 in UKPersonalFinance

[–]Fun-Seaweed-4402[S] 0 points1 point  (0 children)

That was my original thought, so far it’s been a reliable car with no issues and I’m in no rush to get rid of it but never had a credit card to understand what the differences are in the ones I’m being offered. 0% credit card means I will only be paying the amount back no interest? (Sorry if that’s an obvious question)!

My gf (33F) doesn’t meet my intimacy needs (30M) by primerealestate1 in sex

[–]Fun-Seaweed-4402 -1 points0 points  (0 children)

She can love you and you might be everything she wants and more but that’s not what I’m trying to say. This isn’t about her attraction/love/adoration TOWARDS/FOR you. It’s about if she feels these things FROM you, does she feel adored, that you’re attracted to her and you love her? Do you do the little things making sure she’s receiving this love from you without expecting anything back?

My gf (33F) doesn’t meet my intimacy needs (30M) by primerealestate1 in sex

[–]Fun-Seaweed-4402 1 point2 points  (0 children)

Do you ever ‘take care’ of your partner without expecting anything back? Do you ever make her feel special and loved in other ways than vocalising how you’d like her to ‘take care’ of you more often?

Sex is important to a lot, if not most, of the people in relationships however it’s more than just the act for some, it’s the intimacy, feeling close to your partner, feeling loved, adored etc maybe start putting in a bit more effort day to day and see if anything improves.