Seat Ibiza 1.4 SC Good Stuff

[JimOverLord]

I've just decided to buy an ibiza after many months of searching the web, magazines and dealers. Finally chose the SC good stuff, to which i was slightly embarrassed to find how it got it's name but it didn't put me off. I would have gone for the bocanegra but is just a bit too much for me at the moment

I went for a PCP plan, signed the papers (this was yesterday) left the dealers with a smile, but then got home to a phone call. The PCP finance plan had been refused I don't know why as I have quite good credit but oh well. The dealer said he would try and put it through as HP, as they would try many different finance companies, as they only try one company for the PCP. At this point I had got my heart set on it so went ahead and allowed him to. It was late in the day and now it's sunday so won't know until tomorrow.

I've had a sleepless night and can't stop thinking it's just going to get refused like the PCP.
Anyone here know if HP are easier to get on credit than PCP?

Would help me put my mind at rest!

Regards,
Jimmy

 

[Spurt]

strange never known anyone to be refused it tbh, is hp where you buy it over 3 years and thats it? if so its more money monthly and if they refused pcp then i would have thought that would be refused. "if its the 3 year payments deal that is"

only reson i can see pcp being refused is the big sum lump at the end of it. may have it all wrong and mixed up but pcp is 3 years install ments and you can either give car back or pay the final value?

 

[JimOverLord]

The PCP plan was set over 3 years but the HP is over 5. It's only £10 more per month but no huge payment at the end. The guy who phoned me from the dealer said he was supprised it hadn't gone through but thought it may be down to me moving house 3 months ago.

 

[Spurt]

very strange well i cant help im afraid but maybe some1 else has had probs in the past that can.

hopefully all will be ok and you can get ur sc.

 

[gillian & james]

Just a thought, but you could do with contacting the company, to find out why it was declined. It could be something simple, and if I remember correctly you're entitled to know why you've been refused.

Good luck with the hp option.

 

[char_baby]

They dont normally tell you why its been declined. When my boyfriend got declined for finance for a motor bike they didnt tell him.

Strange that you didnt get it, i'm only 20 and got PCP finance on my just over £13,000 ibiza.

 

[Spurt]

im 21 and got an 18k over 3 year finance. must be a reason you have been declined like said try find out maybe?

 

[char_baby]

you probably will never find out. they aren't usually aloud to say why. which is annoying because it would help to know.

 

[dannychapman10]

I've had a PCP on my first Leon for 1 and half years and now HP on my £17000 Ibiza Cupra and both approved, normally if you can put a bigger deposit down for PCP, although you can only do 30%, it normally helps
Moving house my of effected it but as others have said, they won't tell you why you've been declined.

Danny

 

[gillian & james]

I know the garage won't know, but I thought the finance company had to tell you why they have declined you if you speak to them? Or is that not the case??

 

[JimOverLord]

Well I've finally got the call to say i've been approved! just waiting to see when i can pick it up, YEAH

 

[jc_boc]

Congrats mate!!!!!

 

[markmeus]

Congrats! Can't wait to see some pics - I love the colour they come in.

 

[Spurt]

Well done mate good stuff!

 

[Blakrover]

Well done mate good stuff!

berdum tisch!

Congratulations

What's the spec on this?

 

[char_baby]

ah well done on getting the finance!

 

[HAIRWEGO]

good oneeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

 

[gillian & james]

Brilliant. Bet ya can't wait now!