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Pat_McCrotch

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Posts posted by Pat_McCrotch

  2. Posted

    I've sent them a link to the rado you kindly found on Autotrader, listing the differences that would make mine worth a few quid more, apparently they don't take mileage into account when valuing older vehicles, which is silly, I tried explaining that mileage has a huge effect on value with this type of car, but I think I was edging towards 'it's a classic car' territory which will inevitably force the 'you should have insured it as such' reply - so I'm treading carefully :lol:

     

    They have to provide you with financial recompense that gets you to the situation you were in prior to the accident. So they have to give you a value that reflects what they are currently selling for :)

     

    When my A6 was written off they offered me £1700, by the end of the conversation I had got them to £2700

  3. Posted

    Any quick drying stuff people can recommend that replicates OEM finish? (someone has previously jacked on the subframe mount at the front and broken the seal.

     

    I have used the halfrauds upol stuff but was unimpressed. The VW stuff (D003500) needs hardener otherwise you;ll be waiting forever for it to dry :(

  6. Posted

    Another one bites the dust :( Hope the other half gets better soon.

     

    I've been falling out of love with mine over the last few weeks. But having cleaned out the arches of mud and putting the summer wheels back on soon found the love again :)

     

    p.s. YHPM.

  11. Posted · Edited by Pat_McCrotch

    Well, looks like it's getting even worse :(

     

    LCplc were useless. Way off my cheapest quote at Santander; 25% deposit and all fees apart from solicitors paid, even so it was hardly an amazing rate at 3.49%...the additional 5% deposit was offered by my Dad but I want to do this on my own.

     

    Unfortunately, having spoken to my next best bet (Woolwich) I have now been informed that they will only take half of one years bonus into consideration and not half of four years. This means that they will not lend to me unless I can come up with 25% either. Because I am heavily bonus paid no one seems interested (god knows how comission based jobs like car salespeople survive!), even when I wave over £25,000 in their face.

     

    And they wonder why no one is buying houses! It's because the lenders aren't being realistic!

     

    So my options are;

     

    1. Accept my Dad's offer; this isn't charity, he will want it back. He has barely lent me anything in life and will doubtless start now, LOL! The worry is I doubt I will be able to afford to for at least two years after I move in.

    2. Break the chain and pull out of the sale, loose my dream home but keep saving!

    3. Tell estate agent I have to re-evaluate my offer in order to get the mortgage I want and drop my offer price by £1250?

  14. Posted · Edited by Pat_McCrotch

    Bit of an update.

     

    Took it out for a spin yesterday after taking it off SORN. Ran like a dream! I think given the number of times it sparked when I did the spray test I think it's in very early days of coil failure so I shall monitor it and see how i get on :)

  15. Posted

    Santander seem to be offering a good rate with a 25% deposit; 3.49% with no fees and £100 cashback when you open an account with them. Works out at £428 a month though? Only £20 cheaper than if I put a 20% down

     

    I'm sure there must be better value out there though, so I shall keep hunting :) Awaiting a call back from LCPLC

  17. Posted

    Yeah fees seem to be the stumbling block, with my deposit (shade over £25k) they are all coming up at about £450 a month. But the fees vary wildly.

     

    My only hope really for better deal now is Santander as they give you £300 back when you open a current account at the same time.

  18. Posted

    I wouldn't recommend one to be honest. People who think 70+mpg is the be all and end all of a car swear by them and they do have a loyal following...

     

    ...BUT. They drive horribly, the diesels are noisy, the 1.6FSi temperamental, odd driving position that is tiring on a long journey and inconvient in town traffic. You get my drift, driving a tunnel does sum it up pretty nicely! Years ago when Audi still made them they were the 'course cars' so I've driven loads and personally wouldn't invest my money in any small product in the VW Group around that time with maybe the exception of the Ibiza.

  19. Posted

    Nationwide offering some great deals , halifax , post office , and natwest all good as well , er in doors used to be a mortgage adviser, now working for nationwide but keeps her eye open on whats goin on .

     

    Nationwide doing some good deals, but they will only lend 3 1/2 times your income. I'm single so that rules me out :(

  21. Posted

    Common problems;

     

    - Anti Roll Bar Links

    - Anti Roll Bars

    - Top mounts

    - Fuel Pumps

    - Rear shock bump stops perishing

    - EGR problems on FSi and TDi engines

    - Make sure all trim is intact as expensive to replace

    - Convenience Control Units

    - Check clutch for bite, should be near the top of the pedal. Most are driven/owned by incapable middle-class women so they are nearly always fooked.

    - Air Con pumps known to fail so check operation

    - Check the open sky roof if it's got it.

     

     

    You can get the bonnet off by twisting the two caps on the inspection flap.

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