Carloans4u

[antm]

I can't seem to find the topic before but im sure someone on here used them post iva?

Ive decided that due to my car being 8 years old and tbh everytime i touch it recently something falls off, or some idiot has slammed another trolley into the car that its time she went to another home, 45k on the clock not too shabby, final straw was today had the front tyres replaced and the idiot in the garage ruined the center alloy caps, and when i got to the citroen parts shop another piece of trim fell off.

Had a nosy round and spotted a gem in the second hands only 10k on the clock 3 years old diesel so much more economical, i know my iva stays on for another few months but tried the above company, at 15:00 today no reply as yet, good sign or bad??

I know i could drive the car into the ground but at least its currently still worth a little as trade in so logically best time to swap it.

[luluj]

We used moneybarn (was Dunctons)...APR will be higher but while IVA on your records you will struggle to get finance from normal high street lender

[antm]

Had a look on there website im sure carloans4u sent my details to them, as ive had a few emails from them this afternooon.

[antm]

Sorry to ask, how did it go?? was the money transfered to the dealer or your account? how friendly/helpful etc where they during the loan application, and after etc..

[MerlinL14]

If you are a low mileage driver then a diesel is not the option to take. The fuel is more expensive, the servicing is more expensive and the service interval is shorter than petrol engined cars. You may get more miles to the gallon, but this will never make up for the hike in servicing costs unless you do high mileage.

http://www.carloan4u.co.uk/

[Nutkins]

Hi! I applied for a loan through carloans4u and was successful within a few hours! I was post completion of the IVA and have a credit card too but with very little spent on it each month and paid in full!! Let us know how you get on! The company was great with me! Very pleasant and helpful! They pay the dealer directly!

[cooltony]

i found carloans4u to be rude adn pushy!! they offered me 7K at a rate of 40ish% whn i only asked for 2k. there sales staff seem to care more about sales then the customer. my advice trade your car in for a cheap run around and when the IVA drops off apply for main stream credit. this is what i did.

[antm]

Well just got confirmation of acceptance, just need to call for details, hhmm in 2 minds now, but at least i know i can get finance again after my iva.

[IVANotOverYet]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MerlinL14

If you are a low mileage driver then a diesel is not the option to take. The fuel is more expensive, the servicing is more expensive and the service interval is shorter than petrol engined cars. You may get more miles to the gallon, but this will never make up for the hike in servicing costs unless you do high mileage.

http://www.carloan4u.co.uk/

That is not necessarily true. Most modern diesels have the same or indeed longer service intervals, and most franchised dealers now offer fixed price servicing menus, for which most model-specific servicing charges are the same irrespective of fuel type.

As an example, with only a couple of exceptions, all VW/Audi/Skoda/Seat vehicles can be supplied on either variable (QG1) or fixed (QG0/2) servicing regimes. QG1 means up to 2years or 20K between services, whereas QG0/2 means 1year or 10K interval. Many manufacturers have followed VW down the same path now.

What IS important is that if you only do short runs, a diesel may not be a good choice for other reasons; firstly, they take longer to warm up, and until warm are not that fuel-efficient. Secondly, diesels fitted with a DPF (Diesel Particulate Filter, sometimes known as a FAP or filtre à particules) need periodic long runs at higher speed to regenerate (burn off collected soot). If they don't get chance to regenerate, sooting can occur in the manifold and the DPF can become blocked, sometimes resulting in a (very) big bill.

[Skippy]

I changed to a diesel last year and the service interval is the same as my previous petrol Fiesta. I don't know about the difference in servicing costs as I've got a service plan with Ford.

Regarding the DPF, my car usually gets a couple of motorway runs a month (around 60 miles each way) so I'm hoping that's enough as Ford charge around £1500 for a new one!!!

[Foggy]

With a diesel remove the DPF and the EGR valve -- cat could go too. Save a bit on MPG.

[Skippy]

I thought if you removed the DPF the car could fail an MOT - I understood that it's one of those things that has to be there if it's fitted at manufacture. I probably completely misunderstood but hey ho!

I can't do anything yet anyway as it'll probably invalidate the warranty!

[Foggy]

Nope --DPF can be removed -- but must be replaced by the correct pipework. 9 times out of 10 the tester wouldn't even know one was there once!

[Skippy]

Something to think about when it's out of warranty - thanks Foggy!

[Foggy]

... technically though -- on cars after 2009, it could be construed as illegal (if it was noticed) ... but, yeah, it would scorch the warranty right away !!!