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backline01

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About backline01

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  1. i went into carcraft today looking for a vehicle to use as a runabout for business. i chose a vectra cdti which was priced at 13995. afterchecking the car's value with various motor traders who i know and with vauxhall, the retail value was established as being 12k. so they were asking 2k above retail book. i neg the price down to 12,250, an acceptable price for the car. then the finance side. Carcraft offered me a flat rate of 7% which i was unhappy with as i have recently bought my wife a new car at a flat rate of 4.5%. they told me that the best rate they could do was 7% as they had dropped the price of the car. i agreed, supplied my details and awaited the results of my credit check. i am extremely up to date with contents of my credit file and subscribe to both equifax and experian who keep me up to date with any changes to my files. I have a good rating. Carcraft said that i had been declined by 7 out of 8 companies applied to and that they had got me accepted at a flat rate of 11% (23% apr). i flipped. to cut a long story short, after lots of internet based investigation- carcraft are actually selling sub prime finance, they make there profit from selling expensive insurances and expensive sub prime finance, not to mention that all of there cars are thousands over book value. they do not offer prime finance. they lied to me by saying that i have been declined by 7 companies trying to get me to accept a high interest rate finance agreement. there are pages and pages of complaints about the above on the net. surely what they are doing is ilegal. i checked my credit ratings when i got home and they remain unchanged. the av joe who walks in will almost certainly be caught out by there high finance rates and expensive cars and insurance's. surely this must be ilegal? any thoughts?
  2. i went into carcraft today looking for a vehicle to use as a runabout for business. i chose a vectra cdti which was priced at 13995. afterchecking the car's value with various motor traders who i know and with vauxhall, the retail value was established as being 12k. so they were asking 2k above retail book. i neg the price down to 12,250, an acceptable price for the car. then the finance side. Carcraft offered me a flat rate of 7% which i was unhappy with as i have recently bought my wife a new car at a flat rate of 4.5%. they told me that the best rate they could do was 7% as they had dropped the price of the car. i agreed, supplied my details and awaited the results of my credit check. i am extremely up to date with contents of my credit file and subscribe to both equifax and experian who keep me up to date with any changes to my files. I have a good rating. Carcraft said that i had been declined by 7 out of 8 companies applied to and that they had got me accepted at a flat rate of 11% (23% apr). i flipped. to cut a long story short, after lots of internet based investigation- carcraft are actually selling sub prime finance, they make there profit from selling expensive insurances and expensive sub prime finance, not to mention that all of there cars are thousands over book value. they do not offer prime finance. they lied to me by saying that i have been declined by 7 companies trying to get me to accept a high interest rate finance agreement. there are pages and pages of complaints about the above on the net. surely what they are doing is ilegal. i checked my credit ratings when i got home and they remain unchanged. the av joe who walks in will almost certainly be caught out by there high finance rates and expensive cars and insurance's. surely this must be ilegal? any thoughts?
  3. i went into carcraft today looking for a vehicle to use as a runabout for business. i chose a vectra cdti which was priced at 13995. afterchecking the car's value with various motor traders who i know and with vauxhall, the retail value was established as being 12k. so they were asking 2k above retail book. i neg the price down to 12,250, an acceptable price for the car. then the finance side. Carcraft offered me a flat rate of 7% which i was unhappy with as i have recently bought my wife a new car at a flat rate of 4.5%. they told me that the best rate they could do was 7% as they had dropped the price of the car. i agreed, supplied my details and awaited the results of my credit check. i am extremely up to date with contents of my credit file and subscribe to both equifax and experian who keep me up to date with any changes to my files. I have a good rating. Carcraft said that i had been declined by 7 out of 8 companies applied to and that they had got me accepted at a flat rate of 11% (23% apr). i flipped. to cut a long story short, after lots of internet based investigation- carcraft are actually selling sub prime finance, they make there profit from selling expensive insurances and expensive sub prime finance, not to mention that all of there cars are thousands over book value. they do not offer prime finance. they lied to me by saying that i have been declined by 7 companies trying to get me to accept a high interest rate finance agreement. there are pages and pages of complaints about the above on the net. surely what they are doing is ilegal. i checked my credit ratings when i got home and they remain unchanged. the av joe who walks in will almost certainly be caught out by there high finance rates and expensive cars and insurance's. surely this must be ilegal? any thoughts?
  4. i went into carcraft today looking for a vehicle to use as a runabout for business. i chose a vectra cdti which was priced at 13995. afterchecking the car's value with various motor traders who i know and with vauxhall, the retail value was established as being 12k. so they were asking 2k above retail book. i neg the price down to 12,250, an acceptable price for the car. then the finance side. Carcraft offered me a flat rate of 7% which i was unhappy with as i have recently bought my wife a new car at a flat rate of 4.5%. they told me that the best rate they could do was 7% as they had dropped the price of the car. i agreed, supplied my details and awaited the results of my credit check. i am extremely up to date with contents of my credit file and subscribe to both equifax and experian who keep me up to date with any changes to my files. I have a good rating. Carcraft said that i had been declined by 7 out of 8 companies applied to and that they had got me accepted at a flat rate of 11% (23% apr). i flipped. to cut a long story short, after lots of internet based investigation- carcraft are actually selling sub prime finance, they make there profit from selling expensive insurances and expensive sub prime finance, not to mention that all of there cars are thousands over book value. they do not offer prime finance. they lied to me by saying that i have been declined by 7 companies trying to get me to accept a high interest rate finance agreement. there are pages and pages of complaints about the above on the net. surely what they are doing is ilegal. i checked my credit ratings when i got home and they remain unchanged. the av joe who walks in will almost certainly be caught out by there high finance rates and expensive cars and insurance's. surely this must be ilegal? any thoughts?
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