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Profyaffle



Member Since: 03 Oct 2016
Location: N Yorks
Posts: 508

United Kingdom 1993 Defender 90 200 Tdi HT Arles Blue

Awww.. what a shame... Glad you've reached an agreement with the insurers at least you can start making plans for the next one Thumbs Up 1993 200Tdi Defender 90

Post #758068 11th Feb 2019 10:31pm
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L110CDL



Member Since: 31 Oct 2015
Location: Devon
Posts: 7644

England 

Lost for words Procta on those pics Sad

Good price you got from the insurance company. 1996 Golf Blue 300Tdi 110 Pick up. Keeper.

Clayton.

Post #758069 11th Feb 2019 10:33pm
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Mariner



Member Since: 03 Oct 2017
Location: Arklow
Posts: 124

Ireland 

Onwards and upwards.

Good luck with the search and the start of a new chapter.

Post #758079 11th Feb 2019 10:53pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

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 Thumbs Up

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

Post #758684 14th Feb 2019 9:33pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

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

Post #759006 16th Feb 2019 5:06pm
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Swine&Small



Member Since: 20 Mar 2017
Location: Norfolk
Posts: 1102

United Kingdom 2015 Defender 90 Puma 2.2 Landmark LE Montalcino Red

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. Very Happy
Regards Swine 2015 Defender 90" Landmark Montalcino
1950 Series one 80"
1967 Morris Traveller
2012 VW T5 Camper
Quod Abundat Non Obstat.

Post #759022 16th Feb 2019 5:58pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

Any advice you lads can give me with loans etc will be pure gold! Thumbs Up Defender TD5 90 ---/--- Peugeot 306 HDI hatch back

Post #759065 16th Feb 2019 8:29pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

Swine&Small wrote:
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. Very Happy
Regards Swine


Thanks for the advice Thumbs Up Defender TD5 90 ---/--- Peugeot 306 HDI hatch back

Post #759067 16th Feb 2019 8:30pm
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Retroanaconda



Member Since: 04 Jan 2012
Location: Scotland
Posts: 1618

Scotland 

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!

Post #759073 16th Feb 2019 8:48pm
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HK07



Member Since: 15 Dec 2016
Location: Hampshire
Posts: 603

England 2007 Defender 90 Puma 2.4 HT Cairns Blue

^^^ wot he said, sensible boy. 2007 90 Puma - Love it - Best car I have ever owned.

1989 Ninety 200tdi - In re-build - http://www.defender2.net/forum/topic56156.html

Post #759282 17th Feb 2019 9:19pm
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VVS210



Member Since: 12 Nov 2016
Location: Hampshire
Posts: 712

United Kingdom 

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 Thumbs Up (that was 18 years ago though...). Don't rush to buy another defender, keep looking & the right one will find you.

Post #759344 18th Feb 2019 8:38am
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HK07



Member Since: 15 Dec 2016
Location: Hampshire
Posts: 603

England 2007 Defender 90 Puma 2.4 HT Cairns Blue

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 - In re-build - http://www.defender2.net/forum/topic56156.html

Post #759416 18th Feb 2019 4:18pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

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

Post #759423 18th Feb 2019 5:06pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

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. Thumbs Up
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 Thumbs Up Defender TD5 90 ---/--- Peugeot 306 HDI hatch back

Post #760375 23rd Feb 2019 5:17pm
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Procta



Member Since: 04 Dec 2016
Location: Sunderland
Posts: 3217

United Kingdom 

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

Post #763451 14th Mar 2019 5:38pm
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