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 Post subject: Re: Finance
PostPosted: Mon Oct 10, 2016 9:52 pm 
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Location: Braintree, Essex.
sasha wrote:
Cab Direct don't do credit checks they just verify your identity. All you have to do is send in a couple of bank statements and jobs a gud un.

Unlike other credit if you default on the payments they just come and take the car off you, I think that's why they're a bit more lenient on credit scores etc.



Of course they do a Credit Check, it's not Cab Direct who do the checks it's the lenders they use. No company will lend money to someone who hasn't had a Credit Check.


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 Post subject: Re: Finance
PostPosted: Mon Oct 10, 2016 10:19 pm 
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Nidge2 wrote:
sasha wrote:
Cab Direct don't do credit checks they just verify your identity. All you have to do is send in a couple of bank statements and jobs a gud un.

Unlike other credit if you default on the payments they just come and take the car off you, I think that's why they're a bit more lenient on credit scores etc.



Of course they do a Credit Check, it's not Cab Direct who do the checks it's the lenders they use. No company will lend money to someone who hasn't had a Credit Check.


They wont be lending their own money when they can make 5% commission on finance

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 Post subject: Re: Finance
PostPosted: Tue Oct 11, 2016 6:10 am 
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the ones who will do finance when everyone else won't are usually fowlers or whatever there name is this year but be very wary of them they regularly change their name for a reason !!!!

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 Post subject: Re: Finance
PostPosted: Tue Oct 11, 2016 7:23 am 
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Location: Braintree, Essex.
edders23 wrote:
the ones who will do finance when everyone else won't are usually fowlers or whatever there name is this year but be very wary of them they regularly change their name for a reason !!!!


Anyone who touches Fowlers want their heads looking at.


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 Post subject: Re: Finance
PostPosted: Wed Oct 12, 2016 10:41 am 
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Nidge2 wrote:
edders23 wrote:
the ones who will do finance when everyone else won't are usually fowlers or whatever there name is this year but be very wary of them they regularly change their name for a reason !!!!


Anyone who touches Fowlers want their heads looking at.


YOU AINT KIDDING =D> =D> =D> =D>

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 Post subject: Re: Finance
PostPosted: Wed Oct 12, 2016 5:48 pm 
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Nidge2 wrote:
ven2112 wrote:
what's cab direct like for finance then ? although i never had a problem with credit, ever, when the bairn died i lived in Newcastle, he lived in chesterfield, i packed my job in driving tankers ( & that's why im back in the taxi trade) & used what savings i had travelling & staying in hotels, that ran out so maxed out my Barclaycard for 3 k, got in the chit, paid it off but that was 8 years ago, apparently it takes 10 to get off your credit report, just wondered how "lenient" they were or am i gonna get my eyes pulled out ? done the clearscore thing & my rating is 406 , although, i just got a new phone a couple of weeks ago , on a different carrier & while in the shop the bloke from ee took all my details & said " ok mate, just gonna do a experian check & alls good" came back & i got the phone , i know fook all about this stuff, like i say, never had a problem until that happened, i need a newer motor ffs :lol:



You'll be OK with Cab Direct, if they can get Taxi Drivers finance they can get anyone finance. A lad round here is useless with money, CCJ's all over the place and he's just got a car on the chuckie from Cab Direct. His latest CCJ was last year, he got the car just after Christmas.


no ccj`s at all, just the bank card was the problem :wink:


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 Post subject: Re: Finance
PostPosted: Wed Oct 12, 2016 6:12 pm 
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Sussex wrote:
One or two searches in a matter of days will make no difference.

Ring them up and treat yourself to a new car.


you are wrong mate, EE done a search for the phone i just bought & my score went from 217 to 209 , thing is i got the phone :lol:

EDIT: just checked , i have paid my first bill its up to 215 now :lol:


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 Post subject: Re: Finance
PostPosted: Wed Oct 12, 2016 7:28 pm 
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ven2112 wrote:
Sussex wrote:
One or two searches in a matter of days will make no difference.

Ring them up and treat yourself to a new car.


you are wrong mate, EE done a search for the phone i just bought & my score went from 217 to 209 , thing is i got the phone :lol:

EDIT: just checked , i have paid my first bill its up to 215 now :lol:

Firstly don't get to concerned about scores, they are there purely to get people to buy the 'get a better score' services by those offering 'free' checks.

Secondly your score didn't go down due to the search, it went down due to you getting a new debt.

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 Post subject: Re: Finance
PostPosted: Thu Oct 13, 2016 5:11 pm 
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Sussex wrote:
ven2112 wrote:
Sussex wrote:
One or two searches in a matter of days will make no difference.

Ring them up and treat yourself to a new car.


you are wrong mate, EE done a search for the phone i just bought & my score went from 217 to 209 , thing is i got the phone :lol:

EDIT: just checked , i have paid my first bill its up to 215 now :lol:

Firstly don't get to concerned about scores, they are there purely to get people to buy the 'get a better score' services by those offering 'free' checks.

Secondly your score didn't go down due to the search, it went down due to you getting a new debt.


didnt know that , thanks for the tip :wink:


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