[combat1]

Dazmond! We all love you mate.
Please just stop and have a good think before going ahead.
Do you really NEED a brand new van? Or is it just a solution to your current problem.
A sparkly van will not earn you extra dosh, it will COST you 240  every month for years.  Plus the deposit and if you want a van at the end you will have to save for the balloon payment.
What happens if something unexpected happens? You still have to find the 240.
I am the worst person to give advice - I bought one of those liquidator squeegees!
You are now doing what I've been doing.
Working out of an astra estate. Tank in back and backpack.
I had to chuckle when you said you were enjoying it and almost earning as much.
I hope you get sorted soon.
All the best.
Chris.

[Tosh]

Ive got two more months payment on my Transit Custom, then it's mine.

Buy new Daz, you'll love it.

You can have my Custom for £14K with the system.

[Smurf]

Can I ask who pays the monthly van payments should you not be able to work for a few weeks/months?

I say that because my health is not that great now. At least I don't owe a penny to anyone which is a good position to be in I suppose. 

[lal]

Ive got two more months payment on my Transit Custom, then it's mine.

Buy new Daz, you'll love it.

You can have my Custom for £14K with the system.

Hi Slacky, how did you finance your van, and how many years was it for, hope you don't mind me asking, I'm seriously thinking
of getting a Custom next year with a GrippaTank system, so just weighing up all the options.

[G Griffin]

Hope you get it sorted one way or another as using your car and backpack must be driving you nuts by now.

nope its not!im pleasantly surprised just how much work i can do!i fill up at lunchtime at a customers outside tap so im using 240L a day and still  doing the same amount of work!

what im finding is theres virtually no difference between using a van mount and a backpack for most work.maybe an extra 15-20 mins a day compared to van mount.

dont forget theres no reeling in/out with a backpack and less snagging.

there are a few jobs where ill have to skip them for now(one s where i need the 47 footer and excess to flat roofs)but most work i can do.

also whats surprised me is im enjoying doing a bit more trad work on ground floor windows.it mixes it up a bit more.

Work out of a car then.
There's less pitfalls buying a second hand car, you work part time and they are more rock 'n' roll.
Seriously.

[jk999]

Doesn't look professional working out of back of car if daz want s to buy a new van then that's up to him why should people telling  him not to he's got a mind of his own . Can't stand it when people try to change your mind life's to short to think about how much money you will  have if you don't buy a brand new car or brand new van .my in laws have just sold their house for hundred grand they drive round in a banger won't spend their money they will probably be the richest people  dead people in grave yard

[G Griffin]

Doesn't look professional working out of back of car if daz want s to buy a new van then that's up to him why should people telling  him not to he's got a mind of his own .

You're right, my mistake.
I did think it was my decision.

[Tosh]

Ive got two more months payment on my Transit Custom, then it's mine.

Buy new Daz, you'll love it.

You can have my Custom for £14K with the system.

Hi Slacky, how did you finance your van, and how many years was it for, hope you don't mind me asking, I'm seriously thinking
of getting a Custom next year with a GrippaTank system, so just weighing up all the options.

4 years at £400 a month.

[combat1]

You're right! Asking someone to stop and consider before making a big decision is not my place. Its not telling them what to do though.
I happen to have a lot of respect for Dazmond.
Working out of a signwritten estate car with fitted tank, wired in electrics, uniform, signs etc is actually a pretty professional image but I take your point that to throw open the boot of an old banger would not be.

[dazmond]

Dazmond! We all love you mate.
Please just stop and have a good think before going ahead.
Do you really NEED a brand new van? Or is it just a solution to your current problem.
A sparkly van will not earn you extra dosh, it will COST you 240  every month for years.  Plus the deposit and if you want a van at the end you will have to save for the balloon payment.
What happens if something unexpected happens? You still have to find the 240.
I am the worst person to give advice - I bought one of those liquidator squeegees!
You are now doing what I've been doing.
Working out of an astra estate. Tank in back and backpack.
I had to chuckle when you said you were enjoying it and almost earning as much.
I hope you get sorted soon.
All the best.
Chris.

hi chris i want a brand new van.im sick to death of old vans and cars.ive also changed my mind AGAIN!!

ive applied for leasing a ford transit connect 240 L2 LIMITED 1.6 TDCI 115ps.its got a 1000kg payload,heated drivers seat,air con etc.perfect van for my needs.

for me its about looking professional and having a bit of comfort in my working life and i need a reliable van.

im not bothered about the money every month.im putting up my prices in april which will cover the van rental anyway.as for the balloon payment itll be 5 years away(i can sell the van if need be)but ill probably keep it and continue to rent it for a peppercorn rental(around £200 a year).or i could do a new deal on a brand new one again.

ill probably get refused finance anyway which in that case ill be working from my car for a few more months until i have a bit more money together for a second hand van or buy one next week and part ex my golf at the same time!(which i really dont want to do!)

[jk999]

Daz why will  you get refused finance

[dazmond]

Daz why will  you get refused finance

ive had CCJ s in the past mate.im not hopeful really but hey ho if your dont try you ll never know.

[p1w1]

try sunshine windows he's giving out loans at the moment   

[Tosh]

Daz why will  you get refused finance

ive had CCJ s in the past mate.im not hopeful really but hey ho if your dont try you ll never know.

CCJs fall off the radar given enough time. How long ago were they satisfied?

[dazmond]

Daz why will  you get refused finance

ive had CCJ s in the past mate.im not hopeful really but hey ho if your dont try you ll never know.

CCJs fall off the radar given enough time. How long ago were they satisfied?

over 10 years ago now matt.

[chris turner]

Daz why will  you get refused finance

ive had CCJ s in the past mate.im not hopeful really but hey ho if your dont try you ll never know.

CCJs fall off the radar given enough time. How long ago were they satisfied?

over 10 years ago now matt.

Stays on your record for 7 years from the point you satisfied the debt. You should be fine now.

[p1w1]

yeah they will be completely gone from your records, try 1 of the free credit report agencies that will give you a general idea of your credit report and chances of credit.

[jk999]

 I entered  an Iva three years ago , a year ago I got finance on a car and this week I got accepted for a 65 reg vivaro.  10 years ago you shouldn't have a problem  now unless for ten years you haven't  had any credit at all but my bet is you will probably  get it ☺👍

[dazmond]

hope so.my credit card is also paid off in full every month(ive never ever been charged interest!)

[Don Kee]

hope so.my credit card is also paid off in full every month(ive never ever been charged interest!)

Daz

Go onto 'clear score', its a free credit checker on the net

My credit was poor, still managed to get finance on a brand new custom on HP (i put a decent deposit down though).

Credit score has no gone onwards and upwwards as a result of paying it off (paying your hosehold bills counts towards your score as well if they're direct debits)

Finance companies don't soley use your credit score to determine whether they'll give you finance either, income and type of credit applied for comes into account as well

My guess is you'll get it as if you don't pay, they'll take it away!