Have you looked at transferring a £4k balance from your current providers credit card to a 0% credit card, or to one with an interest rate much lower or equal to a loan rate? 

 

 

I thought about that and could come up with the rest of it, but if the RBS agrees to the Off set mortgage facility then I get interest free with that effectively. hopefully I can borrow £5k and stump up the rest  

 

I was more annoyed with the fact that getting turned down for a loan and the bank not wanting to tell me why, meant I could have kept going on to try and be accepted. Thankfully Sainsbury's bank explained in detail. Still think it's crazy that lenders consider me to be a very low risk and yet can't help, as well as assisting in damaging my credit status, something I have fought hard to keep in a good condition :( 

Have you had a face to face meeting with a chieftain in the big smoke or has it been a distant rejection.

Auto application rejection. But the £50k credit limit seems common among lenders so is insurmountable. I rang the Clydesdale and they said we don't think we have that credit limit in place, I said could they find out and they said they couldn't, I should just give it a go! I'm not risking another rejection. just consider myself more knowledgeable than before. I did panic at first when I was rejected though. I thought someone must have hacked my identity or something similar  

I would arrange a meeting with someone in charge of credit within your bank and get them to reject you to your face, or at least explain themselves further.

I've had it explained a couple of times now and it was the same rejection. I am savvy enough to know I am a good credit risk, but the banks claim they can not alter the credit limit. I asked to speak to people higher up or behind secret closed doors, but to no avail. I understand their basic reasoning, but i can not be a completely unusual occurrence in their system.

 

If the bank ring me back on Monday and agree a £5k loan I'll be happy as well as getting an even better interest rate thanks to an offset mortgage loan. It's un-surprisingly difficult to meet face to face with someone to organise a relatively small loan. Even funnier, if I went and bought a new car, using the Vitara as a deposit (say for another Vitara), I am fairly confident I would be auto-accepted within a few seconds  

Edited 16 November, 20187 yr by Lady Elanore

So it all comes down to the interest rate, it seems.

The good news is my Vitara has around £4,000 of equity in it after around 40 months  Haggled around £2,000 off it when it was new and when the model had only been on the market for a couple of weeks at that time too. Overall a remarkable result on a reasonably priced, budget orientated Japanese car.

1 minute ago, Ryeman said:

So it all comes down to the interest rate, it seems.

 

 

I was prepared to take a hit of a couple of percentage points to secure a loan, but if the mortgage way works out, it will be cheaper anyway. In fairness, borrowing money is still pretty cheap at the moment....assuming they will let you have some  

1 minute ago, Lady Elanore said:

 

 

I was prepared to take a hit of a couple of percentage points to secure a loan, but if the mortgage way works out, it will be cheaper anyway. In fairness, borrowing money is still pretty cheap at the moment....assuming they will let you have some  

I would have thought using the mortgage offset was the best way of all too.

Wish I had remembered I had it after finishing my mortgage. Glad I didn't let the bank close it off this summer. Mind you, I haven't got it yet, Might have to have a lean Christmas yet

I’m wondering when we will actually get a modern Grand Vitara.

I get the impression not for many many years if ever. Not unless they do a badge engineering exercise on someone else's product. Other seem to have that market sown up and although the Jimny is a proper little off roader, it will sell a lot of it's volume because of it's cuteness, not its 'go anywhere-ablility' 

It seems the WLTP hiatus is responsible for a significant drop in news of new models coming to Australia - maybe it’s because dealers don’t know when they will get supply and therefore prices too.

It’s gone very quiet on the auto news front.

The emissions of the New Jimny are ridiculously high, as was the last model for 20 years.

 

Suzuki was on about WLTP before this September and low volumes of sales in Europe and it sounded like they could get away with the old test results for a while with some Suzuki models. End of life type things. Not new Type Approved.

 

Maybe reliability and real life running costs and vehicles that are not drinking fuel and adblue and engine oil that excessively and needing very short servicing intervals are more important to people buying a keeper than 'being able to cheat emissions and not real world tests'. 

 

Function over style and is good and just show things as they are & the real emissions & not the 'Irregular / implausible low emissions figures' other have under tests.

 

If it aint broken don't fix it. 

Pity some European Manufacturers with broken ones will not admit that and get fixes, 

rather than talk about what 'Electric cars' they might have on offer in 5 or 7 years time....

 

Great to get Cars for Europe built in Central Europe and perfect for European roads & Conditions.

 

 

 

Edited 23 November, 20187 yr by Offski

 

Seems that the facelift is going down well, even if it's all incremental stuff 

 

https://drivetribe.com/p/is-the-2019-suzuki-vitara-the-best-RCb8es3SS-uKVu1Di1NmxA?iid=IyefuYzQSV6h6SG1DWM3rg

 

 

I'd still have one before a Dacia  

1 minute ago, Lady Elanore said:

Seems that the facelift is going down well, even if it's all incremental stuff 

 

https://drivetribe.com/p/is-the-2019-suzuki-vitara-the-best-RCb8es3SS-uKVu1Di1NmxA?iid=IyefuYzQSV6h6SG1DWM3rg

 

 

I'd still have one before a Dacia  

For the badge, I guess Amanda)))

I don't think I went for the Suzuki in the first place for the badge   I had a Renault Clio 16V (the original one) and it was a brilliant little car, Nothing against Renault 

I’d be sorely tempted if it had a bit more Jimny in it.

 

I bought an 8 year old Suzuki SX4 FWD Automatic because i always fancied one. I really like the 1.6 petrol engine and the gearbox is great.

Quite nippy for 120ps & really handles quite well, just keep speed up into and out of corners, it holds on.

Nice and simple and comfy, easy in and easy out and plenty rubber on the 16" rims.  I might look for a newer one with Automatic and 4x4.

There are a few about. 

I spotted this black one this week but assumed it was a manual.  (I see more Fiat Sedici around than SX4's.)

 

 

Edited 13 March, 20197 yr by Skoffski

I had the Sedici 4x4 in diesel trim. Bought it at 6 months old and I got it for £8,000!!! Just under half the new list at the time. Old couple bought it new, hated it and traded it in to Honda. Honda said they should sell it privately as they could only offer £8k for it (the old couple couple got a good deal on the Jazz that they replaced it with though   and they loved the Honda). But they wanted out pronto and luckily I spotted it sitting on Honda's books for 2 months, so I went and offered them the SIV (I got to see the original purchase invoice ), after all it was only going to be sent to the block fairly imminently. 

 

Cracking car, quite similar to the current Vitara in many ways.  Good amount of kit, switchable 4x4 with locking centre clutch and very economical. Also plastics on the Fiat were similar to the Vitara too, made from recycle yogurt pots and bakelite I reckon

 

Only one thing that I hated, that was in cold weather first gear was impossible to select. You literally had to come to a dead stop, count to ten and gently but firmly persuade it to go in. After the first mile it was fine and sweet again. spoke to Fiat and also on various forums and got the "they all do that" response. Hopefully the petrol gearbox is better.