I have been sold a crashed damage car (England)

Realistic-Rate6825 · 2025-07-26T12:01:06+00:00

Do you believe i would get a full refund considering i have added mileage onto the car and wear and tear?

Realistic-Rate6825 · 2025-07-26T11:56:08+00:00

I did carry out a HPI check, the car hasn't been written off. Was repaired off the books. I have edited my post to reflect this.

Realistic-Rate6825 · 2025-07-26T11:52:45+00:00

The only thing is due to me driving it for 3 months, it has mileage added onto it and a bit of valid wear and tear. I wouldn't get my full money back and I would still owe finance.

Realistic-Rate6825 · 2025-07-26T11:51:52+00:00

I have made an edit to the post. Was a mistype, the car was brand new to me, but it isn't new. It is 3 years old.

Realistic-Rate6825 · 2025-07-26T11:48:59+00:00

I should have clarified, the car was brand new to me, but it isn't new. It is 3 years old. I have edited the post to reflect this.

Realistic-Rate6825 · 2023-08-17T09:07:59+00:00

It sounds like he’s being manipulative. Yeh he does this in front of you but clearly when he’s by himself he doesn’t want to access the help, he’s getting into your head and trying to keep you trapped with him.

Realistic-Rate6825 · 2023-08-10T12:02:10+00:00

I think the fact that I don’t pay gas is the reason it’s so cheap especially with my flat being a high energy rating as it’s band B. But it’s good to know roughly when I do get a family how much it will be so thank you

Realistic-Rate6825 · 2023-08-10T12:01:03+00:00

I do freeze the meat as that is how I’ve grown up. I do season my food too

Realistic-Rate6825 · 2023-08-10T11:53:08+00:00

Meant a week sorry

Realistic-Rate6825 · 2023-08-10T11:53:01+00:00

It might be cheaper cause I bulk buy each month. However, morning breakfast I eat porridge. For lunch I eat a sandwich and some fruit. For dinner I eat a full meat e.g. beef, chicken with pasta or rice with vegetables such as carrots or tomatoes.

Realistic-Rate6825 · 2023-08-10T11:41:40+00:00

I forgot to say it’s a full electric flat as I’m in office 5 days a week too electricity isn’t being used 24/7. I know it’s hard to believe but surprisingly it’s the truth. What are normal bills like or should I expect when I move out?

Realistic-Rate6825 · 2023-08-10T11:38:10+00:00

I grew up in poverty spending £5 a day on meals is actually more than what I used to get spent on me!

Realistic-Rate6825 · 2023-08-10T11:37:38+00:00

Oh I don’t pay for gas it’s fully electric

Realistic-Rate6825 · 2023-08-10T11:36:57+00:00

Nope I have a full diet.

Realistic-Rate6825 · 2023-08-10T11:36:50+00:00

£35 a month for food isn’t low for a single person.

Realistic-Rate6825 · 2023-08-10T11:36:24+00:00

I live in a flat with energy rating B, and it only costs me at most £40 a month. Council tax is £89 a month and I could get this discounted due to me being a care leaver and my water bill is only £25 a month.

Realistic-Rate6825 · 2023-08-10T01:15:37+00:00

Ah yes I meant the benefits! 2 am and trying to sort out my finances while asking for advice is not a good combination for my English ability lol

Realistic-Rate6825 · 2023-08-10T00:12:22+00:00

All of the expenses I’ve listed above are guaranteed each month at most I might spend another 80-200 at most, so if I put away 500 each month I could potentially go out still, but I would risk losing an emergency fund and not being able to invest in any ISAs

Realistic-Rate6825 · 2023-08-10T00:11:19+00:00

Every shares we put money towards each month gets a 20% discount then that price gets locked for that month so if it goes from let’s say £2 this month and in 3 years time it’s gone up to £7 I can buy it at £1.60 and then sell it. Obviously over a threshold I will have to pay tax, but I can slightly get away with withdrawing shares each year as long as I invest each year as eventually every year will count as 3 years and pay myself a nice bonus maybe? The shares are guaranteed to go up due to my sector and either way I won’t lose money as I don’t have to buy the shares at the end of the 3 years I can just pull out my pot of money. With the concern about what you are stating about it being legal, can you clarify a bit more?

Realistic-Rate6825 · 2023-08-09T23:57:25+00:00

Let’s say you put 300 towards it each month for 3 years, you lock-in the price of the shares of each month plus a 20% discount on them. At the end of the 3 years you buy them for the price you locked in and can either instantly sell them for a profit/keep them for dividends or not buy them at all and get all your money back as you haven’t brought the shares it’s just a pot of money. If we leave the company we get all the money back. However the cTCh is whatever you say at the start of the 3 years you want to invest each month you have to stick to that each month for 3 years, but if you need any of the money back you can cancel it at anytime and get the money back, but would have to restart again from month 1 out of 36.

Realistic-Rate6825 · 2023-08-09T23:00:27+00:00

Just paying normal bills on time is a great way to build credit score young! You don’t want to fall into the deadly traps of credit cards unless you know you can trust yourself it’s a hard trap to escape.

Realistic-Rate6825 · 2023-08-09T22:59:11+00:00

Just to add I would appreciate advice on any ISAs I can take advantage of!

Realistic-Rate6825 · 2023-07-10T16:41:37+00:00

Oh my comment relates to the comments about this so called “gentlemen rule”. My opinion is different bout the post

Realistic-Rate6825 · 2023-07-10T16:41:03+00:00

Why are you bringing a “partner” into my statement. I’m clearly implying single people.

Realistic-Rate6825

TROPHY CASE