Do you make any assumptions based on the brand someone uses?

Feisar wrote: »

Like everything in life!

Yep exactly! So it's hardly a racket. You know what you're signing up to.

It's not for everyone - like everything in life!

Feisar wrote: »

I know it's not a racket per se however a lot of people are driving cars they cannot afford.

There were a few stories last year that there was some sort of “mis-selling” scandal on the horizon.

Leg End Reject wrote: »

If you can afford PCP pay a little extra over a slightly longer period on HP finance and at least you'll own the car outright at the end.

If you can't afford that how will you pay the balloon payment at the end of the PCP term?

It's almost like car manufacturers and garages want you to have to get a new car every 3 years ...

If you save the PCP balloon payment every month as you pay the PCP payments it works out cheaper than HP finance, so why would you choose to go with HP ahead of it?

8-10 wrote: »

If you save the PCP balloon payment every month as you pay the PCP payments it works out cheaper than HP finance, so why would you choose to go with HP ahead of it?

But, sure, if you just saved for years you could buy the car outright.

No one is arguing that PCP isn’t good for some people. The problem is that it seems to have “similarities” with the mortgage crisis where a lot of people ended up taking more than they could afford.

It’s great that it worked out for you. Not so great for other people.

EmmetSpiceland wrote: »

But, sure, if you just saved for years you could buy the car outright.

Leg End Reject wrote: »

A lot won't save it though so will trade in at the end of the term.

Right, but I'm talking about people who prefer HP Finance. Why would they not go the PCP + savings route was my point, these people are not looking to trade in and are not looking to buy outright from day 1, they are looking to finance the purchase of a new car over a number of years.

PCP > Hire Purchase or Bank Loan for this I reckon. Cheaper finance, you 'in theory' earn interest in the balloon payment savings along the way though there's SFA returns on savings these days, you have flexibility to structure your balloon payment savings along the way to oversave some months and take a break at Christmas or holiday time as your finance payments are lower, and you do have additional options at the end in case circumstances or priorities change

Either route you still end up owning the car, but one is cheaper and more flexible than the other

RandomViewer wrote: »

Rugby jersey would suggest sex offender?

Maybe a Munster one.

Deleted User wrote: »

Say what you want about audi drivers but they are a lovely car. If I could afford one I'd be driving an A4.

Btw where I am there really is no typical audi driver anymore, if anything the boy racers have moved in. As they have with BMW's and I'm even starting to see supped up Mercs.

Yeah, the boy racers love their bimmers for some reason. I don't get it. Wasnt the driving position skewed to the side up until the mid 2000's? I remember someone saying that, people with bad backs had awful times in them as the pedals were slightly left of the driving position, resulting in a ever so slightly twisted driving position. I never liked them anyway.

And yeah, starting to see some C-Class Mercs being used by them lately. But at least it's only the C-Class, E-Class and above is where it's at.

yes - I am a cliche

If I see an Iceland bag I think impoverished, ditto Dutch Gold and for Burberry or Juicy add chav.

When I see an Audi, Merc or Lexus I think loaded, and when I see someone driving a porsche or ferrari I think they got lucky with stocks/share probably IT.

I also sadly internally judge people who carry around and use their own bic biros - sorry!!

And young wans who eat hoola hoops while on the move, Or older wans pushing their lolitas, eating take away McDonalds or Burgerkings.

I also judge all vapers and joolers - badly.

shaveAbullock wrote: »

Why would you associate these very common car brands with wealth?
They are everywhere, is the whole country loaded? Good news if true.

You might be missing the point of this thread

I try not too or at least to be aware of it.

Saw this in a chipper near work.

I saw a couple come in and only order a milkshake, now she was channeling her inner Beyoncé, perfect and very expensive hair, nails and tan, designer expensive leisurewear? he had the look of someone who is seriously into the Gym. They go out to their car a 10-year-old beemer that had a little pedigree fluffy white dog on the rear seat.

I can guarantee they will only ever have one child who will be in dressed as a mini-me in designer clothes from the get-go.

In other words they were living a life when they had made a god of having things and things equals a measure of your worth.

king_of_mayo wrote: »

Well yes, but that's a pretty narrow way of looking at something. A couple I know recently got a car, as their old one (a VW Up) was too small for them and the new baby. That's fine. So also bare in mind that they want a house but are forever complaining about the developers and government not helping out, and how hard it is to save a deposit while renting etc.

So what did they go for? A VW T-Roc. A brand new one. I think they said the deposit was 5k (manufacturer put in 2k on top of that), monthly payments of E260. I imagine the balloon payment will be over 10k. So all that money to rent a car for three years. Taking the hit on depreciation. Madness. Sure they can "afford" it but it comes at a cost to other areas of life.

Well - if they are happy to spend e60 a week between two working adults on something they use a lot and get a lot of pleasure from owning why not let them enjoy it! They might be cutting corners elsewhere to save considerably more for their other needs (deposit) and as they need to have a car why not one they can enjoy!

BTW I’ve no opinion on them and din’t judge them for that brand choice as it means nothing to me!!

JustAThought wrote: »

yes - I am a cliche

If I see an Iceland bag I think impoverished, ditto Dutch Gold and for Burberry or Juicy add chav.

When I see an Audi, Merc or Lexus I think loaded, and when I see someone driving a porsche or ferrari I think they got lucky with stocks/share probably IT.

I also sadly internally judge people who carry around and use their own bic biros - sorry!!

And young wans who eat hoola hoops while on the move, Or older wans pushing their lolitas, eating take away McDonalds or Burgerkings.

I also judge all vapers and joolers - badly.

Most Lexus are early noughties IS200, not associated with wealth just diffing

king_of_mayo wrote: »

Sure they can enjoy it, no skin off my nose. And taking in deposit costs etc, it's closer to E100 a week.



I can assure you this is not the case. Curious that you can only enjoy a brand new car though...

me! I’ve never yet bought a new car and even if I won one I would probably enjoy the novelty for a week and then sell it and buy a second hand one and pocket the difference! I might covet something nice or admire them or want one but am far too much of a money minder and too risk adverse to buy one for myself even if I could easily afford it!

Ultrflat wrote: »

Nah, take a pair of Nike for example is it s pair of Low Dunks or are we talking a pair of air max even them are they off the shelf or custom?

I don't think you can assume based on the brand. More so the person wearing it.

Ah you got me, I was struggling to think of any examples (because I like to think I'm not judgemental) and you put one on a plate for me, thank you. Now I've no clue what a low dunk is but in Ireland, if you're wearing air bubbled runners, that's a definite sign of some junkie/scobe tendencies.

I suppose you could say that Canada goose Jackets have become synonomous with scrotes here in Ireland anyway

This is so true.