 | Home > My Defender > Proctas Defender 300TDI |
 
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| L110CDL Member Since: 31 Oct 2015 Location: Devon Posts: 10756  
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Lost for words Procta on those pics
Good price you got from the insurance company. 1996 Golf Blue 300Tdi 110 Pick up. Keeper. Clayton. |
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11th Feb 2019 9:33pm |
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| Mariner Member Since: 03 Oct 2017 Location: Arklow Posts: 127 
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Onwards and upwards.
Good luck with the search and the start of a new chapter. |
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11th Feb 2019 9:53pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172 
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Check is here now, I will have a chat with the bank sometime next week to see where I can go from here, Also I will be having a sort out of spares that are no longer needed now, I have just sold a couple bits already there.
I have a boxes of spares to have a look through so that I can free up some space and raiders 
I have my eye on a car, but I will have see If I can get another 7k for it and see what my insurance will say before I buy it, in case they are not keen on the idea after what has happened. ( I will be changing insurances this year anyway regardless) Defender TD5 90 ---/--- Peugeot 306 HDI hatch back Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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14th Feb 2019 8:33pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Looks like I will have to pay the loan off on this one, With the cheque, and get a better deal else where. My banks deal isn't good a deal for me. Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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16th Feb 2019 4:06pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223
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Hello Procta, glad that you are sorted.
Funny old world at the moment, one of the kid's friends has bought a car recently and he took out a bank loan, nothing special there. Then he took a zero percent transfer from a credit card to pay off the bank loan within 4 weeks of getting it and now has a zero percent debt on his credit card that is good for 3 years. The whole thing only cost £50 to set up with the card company. Have good hunt around before you get another loan, and try to get one with no penalties for repaying early. Money saving Expert , on line , is often a good place to start. Apologies if I am overstepping the mark, but with best intentions. 
Regards Swine 1983 Series 3 Pick up in Marine Blue 1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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16th Feb 2019 4:58pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Any advice you lads can give me with loans etc will be pure gold!
Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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16th Feb 2019 7:29pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Thanks for the advice Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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16th Feb 2019 7:30pm |
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| Retroanaconda Member Since: 04 Jan 2012 Location: Scotland Posts: 2647 
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Get one a cheaper one without the loan, would be the only advice I could give.
The less debt attached to your name the better, especially expensive debt like bank loans! |
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16th Feb 2019 7:48pm |
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| HK07 Member Since: 15 Dec 2016 Location: Hampshire Posts: 746 
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^^^ wot he said, sensible boy. 2007 90 Puma - Love it - Best car I have ever owned.
1989 Ninety 200tdi - Love it - Second best car I have ever owned. 1951 80" Series 1 - Love it - Third best car I have ever owned. |
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17th Feb 2019 8:19pm |
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| VVS210 Member Since: 12 Nov 2016 Location: Hampshire Posts: 953
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Agree with the above, however, if your existing loan isn't tied to the old defender then don't pay it off with the money from the insurers. Instead use the £8k to buy a new defender and see what you can do with the possibility of transferring the debt over to an interest FRE credit card for 3 years! You know that whatever you buy the purchase price will just be the start of the spending so why stretch yourself unnecessarily? Better to get a decent 300Tdi & have money left over to do work on it - when I bought my 300Tdi I had an overall budget which was split £5k for the vehicle & £3k for repairs, mods, add-ons
(that was 18 years ago though...). Don't rush to buy another defender, keep looking & the right one will find you. |
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18th Feb 2019 7:38am |
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| HK07 Member Since: 15 Dec 2016 Location: Hampshire Posts: 746
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I have bought a couple of items from Procta and I just thought I ought to say, they turned up today, a day earlier than he had said, and they were packaged up brilliantly. Probably the best packing I have every seen.
Thanks mate. HK07 2007 90 Puma - Love it - Best car I have ever owned. 1989 Ninety 200tdi - Love it - Second best car I have ever owned. 1951 80" Series 1 - Love it - Third best car I have ever owned. |
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18th Feb 2019 3:18pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Ah that's a shock!! I was expecting them to come arrive tomorrow, glad you got them!! Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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18th Feb 2019 4:06pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Update on where we are, I have put my cheque into the bank and told them here is your remaining doe for the car, so just got to go back on Tuesday and close that one off.
I went to nationwide to have a chat about a loan and open up a 1st time buyer ISA, and we will be going forwards from there next week onwards, ( I have to open up an account with them ) So really it all makes sense, me putting money away now while I have the option ( spare bulk of cash to go into it from cheque and over time) Also with me doing it this way I could get better rates again Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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23rd Feb 2019 4:17pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5172
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Well the hunt is still on, I can get the ££ but its also getting the better deal per month too, so that I can at least start putting money away for a gaff,
Sad thing is I have started to sell off some of my spares I had for off, Which is a bonus to the buyers, so that they can use them on their defenders, rather than me keeping hold of them until god knows when. Defender TD5 90 ---/--- Peugeot 306 HDI hatch back Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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14th Mar 2019 4:38pm |
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