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ckn

Rant of the day - bills

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Why is it that big bills always come at the same time?  Two days after I spent a small fortune on a holiday booking my car decides it wants to be a diva again and fail.  The bloody electronic unit in the gearbox died a death while driving, the cheapest bill if it can be repaired comes to around £1000, the most likely bill will be around £2000-£2500 if it has to be replaced.

 

And that just after a few other things needed replacement around the house.

 

For interest, the main Audi dealership are quoting a replacement price plus nice courtesy vehicle that's nearly 40% cheaper than any of the independent garages...

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Clearly I don't know your financial circumstances and I am no financial advisor but if you wanted to defer payment you could look at getting a credit card with an extended interest free period (some available at 12 months +), otherwise make sure you pay with a cashback credit card so at least you get something out of it.

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Clearly I don't know your financial circumstances and I am no financial advisor but if you wanted to defer payment you could look at getting a credit card with an extended interest free period (some available at 12 months +), otherwise make sure you pay with a cashback credit card so at least you get something out of it.

It's a point of principle of mine that if I can't afford to pay for it cash then I can't afford it (except the house of course!).  That's worked well for me for years now and I see no need to change it despite the occasional little annoyance like this.  I work my finances so I have enough cash in my account to pay for things then yet another bill comes in and I need to shift money yet again to pay for it.

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It's a point of principle of mine that if I can't afford to pay for it cash then I can't afford it (except the house of course!).  That's worked well for me for years now and I see no need to change it despite the occasional little annoyance like this.  I work my finances so I have enough cash in my account to pay for things then yet another bill comes in and I need to shift money yet again to pay for it.

 

Can't argue with that and certainly wouldn't advocate people frivolously getting into debt. I put all of my purchases onto a cash back credit card and pay in full every month then get a nice cheque for a few hundred pounds sent to me in January as a thank you for my efforts. My only annoyance is that I have now had a company credit card forced upon me so I can't get cash back from my all my work travel and expenses.

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Best bet is to throw your bills in the bin and go to wetherspoons at nine every morning you will be dead before they catch up with you

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Best bet is to throw your bills in the bin and go to wetherspoons at nine every morning you will be dead before they catch up with you

A victory for common sense.

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Best bet is to throw your bills in the bin and go to wetherspoons at nine every morning you will be dead before they catch up with you

Well done.

 

This is the first time you've made me smile and I actually laughed out loud.  :biggrin:

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The cost to fix my car is now worth more than its value.  The entire gearbox is shot and quotes to replace it are coming in at £4500+.  What we thought was just the electronic unit is actually the whole gearbox, the mechanical elements are severely degraded and it was the vibration that caused the electronic unit to displace and break.

 

I suppose that's what you get when you get a high-maintenance diva of a car...

 

Time for a new one then and trying to find a breaker for my car that recognises that the parts alone are worth at least 4 figures rather than £80.

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The cost to fix my car is now worth more than its value.  The entire gearbox is shot and quotes to replace it are coming in at £4500+.  What we thought was just the electronic unit is actually the whole gearbox, the mechanical elements are severely degraded and it was the vibration that caused the electronic unit to displace and break.

 

I suppose that's what you get when you get a high-maintenance diva of a car...

 

Time for a new one then and trying to find a breaker for my car that recognises that the parts alone are worth at least 4 figures rather than £80.

 

I'm sure they recognise the value of your car in parts, getting them to acknowledge the fact is where your problem will be. :rolleyes:

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I'm sure they recognise the value of your car in parts, getting them to acknowledge the fact is where your problem will be. :rolleyes:

I'm just going to eBay the thing.  Going by past auctions I'll get £1500-£2000 for it.

 

If I had the time, skill and enthusiasm, I could break it myself and make probably twice that from 2nd hand part sales on eBay.  The headlights alone would get me £300+ each.

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Buy a Skoda

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Is it a DSG gearbox by chance ckn ?

Yes.

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No point starting a new thread... Our water bill arrived today, £189.85 for six months' usage.  That's just shocking.  Our meter is in the middle of the road under a manhole meaning I can't get to it and it hasn't been read for at least a year according to the bill.  Do they think we have a swimming pool?  A small detached house with two people in it, us out a substantial amount of time and us buying bottled drinking water because the water here is almost undrinkable because it's so hard.

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No point starting a new thread... Our water bill arrived today, £189.85 for six months' usage.  That's just shocking.  Our meter is in the middle of the road under a manhole meaning I can't get to it and it hasn't been read for at least a year according to the bill.  Do they think we have a swimming pool?  A small detached house with two people in it, us out a substantial amount of time and us buying bottled drinking water because the water here is almost undrinkable because it's so hard.

 

I'm sorry to tell you, your circumstances are the same as ours and our monthly DD for water is £33 per month. Seems like you are paying the going rate.

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I'm sorry to tell you, your circumstances are the same as ours and our monthly DD for water is £33 per month. Seems like you are paying the going rate.

Thanks for that, I checked back the last two bills and they were £140 and £160.  Now £190.  If that's right then it's market exploitation by a monopoly power as our water usage has gone down, not up.

 

As an aside, I binned paying monthly as we received one bill back in 2012 where even after the bill was deducted that we were still in credit with them, in essence they'd taken more money than we were due and couldn't care less.  They refused to reduce the monthly charge so I told them to stick it and send us a periodical bill which works out as once every six months.

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Also, on the original point, I sold my old car to a specialist breaker who gave me quite a good rate for it without the hassle of having to deal with eBay scammers and bored idiots who think they can win then haggle down.

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Also, on the original point, I sold my old car to a specialist breaker who gave me quite a good rate for it without the hassle of having to deal with eBay scammers and bored idiots who think they can win then haggle down.

 

Do you have a new motor?

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Do you have a new motor?

Not yet, got a rental one for a few weeks until we find something we like.  Not rushing into it.

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Our water bill went down this year. Only slightly, but still down. Oh, and the water bill isn't just for water consumed it is also for removal of waste water.

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Not yet, got a rental one for a few weeks until we find something we like.  Not rushing into it.

Get one of those that run on water

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I had found a lovely car, away in the wilds of this area outside of most people's Autotrader mileage catchments, a very good spec Jaguar XJ from a private seller.  Immaculate condition on first inspection but I had enough doubts about it that I got a specialist to come and have a look for me, including road tests, on ramps, etc.  The report came back and I'd probably have to spend the same as the purchase price getting it in a condition where I could drive it heavily and reliably.  Air suspension beyond acceptable play, corrosion hidden by paint, parking sensors not working, tyres aging and requiring replacement, spare tyre badly corroded and so on.

 

So, that's £200 for the inspection but it probably saved me thousands on repair bills and another costly money trap of a car.  Money well spent.

 

Edit:  I offered to give the seller a copy of the report free of charge but he said "don't bother, I don't need it" giving me plenty of hints that he knew the problems and was hoping some mug would come along and take it "as is" with no comeback.

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I had found a lovely car, away in the wilds of this area outside of most people's Autotrader mileage catchments, a very good spec Jaguar XJ from a private seller.  Immaculate condition on first inspection but I had enough doubts about it that I got a specialist to come and have a look for me, including road tests, on ramps, etc.  The report came back and I'd probably have to spend the same as the purchase price getting it in a condition where I could drive it heavily and reliably.  Air suspension beyond acceptable play, corrosion hidden by paint, parking sensors not working, tyres aging and requiring replacement, spare tyre badly corroded and so on.

 

So, that's £200 for the inspection but it probably saved me thousands on repair bills and another costly money trap of a car.  Money well spent.

 

Edit:  I offered to give the seller a copy of the report free of charge but he said "don't bother, I don't need it" giving me plenty of hints that he knew the problems and was hoping some mug would come along and take it "as is" with no comeback.

 

The very reason I hate buying cars. When we picked up my wife's car the seller (private) was very upfront with all of the faults and told us how much they would cost. No BS and a reasonable asking price taking into account the work needed doing, why can't all transactions be like that?

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