TONS OF GREAT ADVICE

Being a cash buyer used to entitle you to the best deal with the biggest discount on a new or used car – but not any more. I explain why and how you can achieve a bigger discount by being a finance client than you would if you walked onto a dealer forecourt with a sackful of cash.

Some deals advertised on the Internet and in car magazines seem far too good to be true. Unfortunately there are many that are just that and could lead you into all sorts of additional costs and problems but some are absolutely genuine. You need to be able to identify which could be a dream come true whilst others could become a living nightmare. I explain what you need to check for to make sure that you end up with a great deal. As a word of precaution I have included a case history of an instance where the deal seemed ‘too good to be true’ and turned out to be exactly that costing hundreds of innocent customers well over a million pounds in an advanced payment and deposit scam.

 

The Personal Loan Scam   Take out a loan and the nice lender gives you a handy payment holiday, you know the one – take out your loan today and pay nothing for 6 months. Well beware, most are cons to get more interest out of you without you knowing. Learn how you can be scammed by some of the biggest UK lenders and how you can avoid paying more interest than you need to.

 

Did you know that there is a good time and a bad time to buy a new or used car to get the best deal?   It’s true, used car prices can drop by hundreds of pounds at certain times of the year and new cars are practically given away at other times. So timing your purchase can have a dramatic affect on the price of your next car and the overall cost of finance. My book explains when these best times are and why.   There is a very important check that you should carry out whenever you intend to buy or fund a used car, especially if you are buying privately. This check will tell you if the car is registered as police stolen, is an insurance theft (and therefore owned by the insurance company), been previously badly damaged or written off, has outstanding finance and can even confirm the correct mileage. The report can be bought online and costs just a few pounds. It is a very good investment. I tell you what it is and how you can get it. If you go on holiday, you prepare for it. When Christmas approaches, you prepare for it. Even the type, size, shape and performance of your next car is pretty much decided before you start looking but for the second largest item of finance for most people, next to their mortgage, few prepare at all leaving themselves open to the ‘recommendations’ of a commission led salesman. I explain how to prepare for finance and achieve the very best deal on your next car without getting conned. You should not only get a great car but also the best money saving finance. Do you receive a car allowance for driving your own car at work? If so this can strengthen your finance application for a car even if your personal credit isn’t strong however, the finance company needs to know about this. Find out what you have to do. Some amazing finance deals are only available to businesses which means that directors and employees, who could benefit from these deals, don’t because they have to fund their cars privately in order to avoid benefit in kind tax. However, there is a way round this situation which means that directors and employees can benefit to the tune of thousands of pounds from these cheap deals without incurring benefit in kind tax. Buy the book and find out how.

These days life has been made simple by whoever you bank with. You can arrange all of your finances in one place – bank account, mortgage, loans, HP, share dealing and even insurance but is this wise? Definitely not! There are many reasons why you shouldn’t do this but one in particular that few people are aware of until it is too late. I provide details of this and what to look out for in your finance agreement.

 

Does The Thought Of Leasing A Car Worry You? Are You Concerned By The Choices? What If It All Goes Horribly Wrong?   Let’s be clear, the chances are good that you will have a great experience, especially when armed with my eBook. But if you blindly enter into a finance agreement, probably the second largest finance commitment that you will enter into, believing that nothing could possibly go wrong you are fooling yourself! It’s like being a non swimmer and going sailing without wearing a life jacket. The chances are that you will be fine but it makes sense to understand the dangers and take precautions. As with finance. There are some great schemes available that will enable you to have a great driving experience for not a lot of money and the chances are that when you enter into one of these agreements you won’t have any problems at all. But if you know what can possibly go wrong you can take simple precautions to ensure that you impress yourself, family, friends, neighbours and work colleagues with your next car without having a financial nightmare. I dedicate a complete section to what can go wrong just so that you can ensure these situations don’t happen to you.

 

Armed with all the information that I provide you with in this very simple to understand book you need to know where to apply all this knowledge and get the best deal for you.   ·        Maybe you want a low deposit? ·        Or you want to keep your monthly payments low? ·        Maybe a low risk scheme is preferred? ·        You might want the option to own the car? ·        Possibly you may have to change the car early? ·        Does low interest charges turn you on? ·        Or simply a GREAT bargain!   Whatever your preference I explain who to use and why. I also explain why surfing the net for the cheapest deal may not provide you with the best deal for you. When I trained as an accountant I was taught the difference between price and cost. The deal with the lowest monthly price doesn’t always provide you with the lowest cost. You need to know what needs to be done to secure the lowest cost, yep – it’s in the book under the headings of ‘where to get the best deal’ and ‘where do you go from here?’

 

I Have Some Even Better News!   At the end of this page I describe a great free gift, which is an eBook crammed full of loads and loads of great advice that will make your driving experience cheaper, safer and more enjoyable with some ‘off the wall’ facts thrown in! But to add to this we will send you constant updates and essential information. And with a growing database of customers we will be able to negotiate some really great deals for you, from tyres to insurances, servicing to sat nav units, finance for good credit and poor credit, essential websites and of course the occasional amazing car deal. Even if you don’t buy the book you can subscribe to receive all this but remember, if certain things are only available in limited supply then we will offer them to book buyers first. All you have to do is subscribe to our newsletter now or buy a book at the bottom of this page to be automatically subscribed:

 

THE LEGAL STUFF   Remember that you are entering into a legally binding contract, something that should be taken very seriously. There are two major failures on the part of customers that I have observed over the years, the first is that of not reading the agreement. I believe that 80% of those entering into a finance agreement do so without reading the contract. One of the main reasons why people are so glib when entering into a finance agreement and the second major failing is belief in major finance houses not to rip them off. See the name of a well known funder on the top of the agreement and there is an immediate assumption that the contract is fine but this can be so untrue. Especially with some of the manufacturer’s own finance, the terms are often much tighter than those offered by an ordinary finance house. This section is very important if you are to know what to beware of in the agreement that you are committed to. This section alone is worth 20 times what you will pay for my book.   Some funders have consistently very cheap rates but remember that they are not charities and cars at the end of a lease period have a fairly predictable value. With discounts on cars and interest rates being similar between leasing companies  you have to ask yourself how one company can be considerably cheaper than another? The answers are in the risk that the funder is prepared to take and what he can charge within the contract. I have covered the main items to beware of, so if you are going for the cheapest rates you definitely need this book or suffer the consequences which could be considerable!

 

What should you beware of?   Your circumstances may change over the period of your lease so you need to understand your obligations. What costs might you be liable for if you have to change from the sporty little 2 seater to a family saloon when you suddenly have to accommodate additions to the family? I explain all and describe the the best scheme if you are likely to need to end your agreement early. Are you affected by money laundering rules? Of course you’re not unless you are a terrorist or drugs dealer. If you think that you are wrong. The Money Laundering rules introduced in 2004 affect everyone who applies for credit – including you! Find out about the rules and how they affect your finance application and how a simple check can save you up to a £1,000 police fine. Great information here.

 

The UK is now subject to more credit fraud than any other country in Europe!    When making a finance application you are required to provide personal details either to someone in a dealership, a broker by fax or post or over the Internet often not via a secure server. In other words you are expected to part with sensitive information to an unknown third party and this can be very dangerous. Your identity could be stolen and used for illegal purposes, a process becoming far more common known as fisching. I explain what it is and steps you can take to avoid this and other scams – once you know you should be quite safe. The Consumer Credit Act provides you with some amazing legal rights if you take out an HP or Conditional Sale Agreement. Find out what your rights are and what can sometimes go wrong for simply exercising some of your legal rights     It was this section and the information that I provide therein that caused one major bank owned finance company to threaten me if I tried to release this information to consumers. Find out what it is that finance companies would prefer you didn't know about. This is so powerful and could save you £thousands - it's costing funders £millions!     This Surprises Most People When They Find This Out- More Great Information!        You sign an agreement only to find out sometime later that the terms were not as you believed them to be or as they had been described by the salesman. The very clever wording of the contract has confused you even more. So does this mean that there is nothing you can do about the situation? No! There is a set of regulations that have been created to specifically deal with this situation and can help you out of some frightening problems. I pass on all the information that you need.         There are some strange anomalies in English Law. Did you know that if a brand new car was damaged in transit then repaired by the dealer he could still sell the car as brand new and yet in other circumstances a brand new car must be sold as second hand even though it may have just a few delivery miles on the clock? I help you out here and explain some of these anomalies and how they can actually end up helping you to get a much better deal.         Knowing your legal position, without paying huge solicitors fees, has got to be a great advantage in the unlikely event that something goes wrong with the purchase or funding of your next new or used car. The book contains lots of great facts and advice for you to refer to if you, a family member or friend experience a problem. For example did you know that if you buy your car on HP there is no contract between you and the supplying dealer? But you do have legal rights – they’re covered in the book.          The new distance selling rules are there to help you if you buy or fund your car over the Internet or without meeting the seller face to face. If your legal position is not explained to you before you take delivery of your new or used car then you have a cooling off period of over 3 months after which you could simply give the car back. Read this important section as this gives you a great advantage, especially as most finance companies make every effort to avoid these rules.

 

This Is The Big One – The One That The Lenders Definitely Don’t Want You To Know!!!   Voluntary Termination of your HP or conditional sale agreement is your right once you have paid over 50% of the total cost. I explain fully what this means in the book but how will this action affect your credit rating in the future? You will be shocked by my revelations on this subject! Your credit rating could be in the toilet simply by exercising your legal right. I report on some case histories revealed by the Citizens Advice Bureau showing how you can be caught out.

 

As you can see my book provides loads of great advice on your legal position and will help you to get the best of any deal on offer. Hopefully you won’t need much of the advice that I provide but – just in case, you will have it – buy the book now and be reading it in a few minutes!   Where can you get the very best finance deal to suit your circumstances? I have considered all of the options for you and given you the choices so that you can decide which method best suits your requirements.   Here is a quote from my amazing book: ‘There is a trend towards misleading the public about the differences between HP and Personal Loans and it really annoys me! Of course personal loans provide a lower interest rate because they don't have to carry the same burden of legal protection provided to customers who take out Hire Purchase. A BMW costs more to run than a Fiat but both perform the function of getting you from A to B so why doesn't everyone drive a Fiat? A Fiat doesn't compare to a BMW just as HP doesn't compare to a personal loan so STOP these misleading comparisons!’ I explain the differences and the benefits of each finance method.   Did you know that there is a company on the Internet that sells ex leased cars to the public from 6 months old to 4 years old with a full RAC inspection, HPI report on insurance claims, finance and mileage, professionally taken photographs and fully valeted at trade prices? I reveal all in the book.

 

Credit APPROVED   Ever wondered what makes an underwriter (the person who decides whether to give you credit or not) say yes or no to your finance application? What factors improve your credit and which make you a poorer risk? Is being married with 4 children better than being single with no children? Does your postcode matter? I spill the beans on what lies behind underwriting decisions and if there is anything you can do to improve your chances.           Credit DECLINED   Having poor credit can stop you from financing a car but you can take steps to avoid getting a poor credit rating in the first place. Not only do I explain the steps that you can take but I also explain a little known way for you to store information relating to a problem that you have had in the past for all underwriters (those that decide whether to give you credit or not) to see and take into account. Poor credit may not be your fault, you could have had a credit card stolen or your identity stolen or a partner spent all of your credit on your credit card before walking out. The underwriter needs to know – now you can tell him – it’s great news      ·    Worried about the poor credit of a family member or indeed anyone else living at your address and the affect that their poor credit could have on yours? Find out what changed in 2004 and why you don’t need to worry any more. Even more good news for those who thought they couldn’t get credit.  ·       The finance options that I describe in my book will provide you with some amazing opportunities to drive a dream car for much less than you ever imagined. But what happens when the unimaginable happens and you can’t make your finance repayments? Don’t panic or lose sleep. I tell you what you can do, which in many cases can still preserve a good credit rating. Yet more fantastic information – in case you ever need it – I hope you don’t.  ·       Even if you end up in court it may not be the end of the world as I explain about Count Court Judgements and the affect on your credit rating.       Confused By Adverts – You Won’t Be Any More!   The presentation of some finance plans can leave you very confused. For example you will see lease terms shown as 3+23 or 3x23 and 3+33 or 3x35. Confused? Probably. I remove the confusion and explain all you need to know about what are called payment profiles and what the various expressions mean. You should take careful note of this section as you could end up making extra payments that you hadn’t expected.      Insurance Issues   When you finance a car you are required to adequately insure it in accordance with the terms and conditions of your agreement. It has been estimated that 40% of drivers are inadequately insured. I explain your responsibilities and offer advice as well as explain a common misunderstanding that results in drivers losing millions of pounds every year. There is a way to protect yourself against these losses – I of course explain this.   When taking out finance you should consider accident, sickness and redundancy insurance. But when should you take it out and when shouldn’t you – you guessed it – it’s in the book.   To prove that none of us is beyond the reach of the rip of merchants I have included a personal case history when an insurer tried to rip me off – it will serve as a warning to you as and when you renew or take out a new car insurance. Read this and make sure that you don’t get taken like I could have been! Finally, you can now go out and negotiate a fantastic deal, whether you want a new car or used car you will be able to drive a better car than you would have done before you read this book. And the best is yet to come! Buy my book and register your name and email address and you will receive regular newsletters with great information about new finance deals available, products that we have been able to negotiate great discounts on just for you, from tyres to sat. nav. units and from insurance to servicing your car as well as specialist companies to assist with loans and credit cards for those with credit problems as well as those that have good credit.   Place Your Risk Free Order NOW! And we will send you totally free our HINTS TIPS AND SAFETY eBook  Crammed full of great information that you will find interesting and useful, it is easily worth the price of the book itself!  It includes sections on:      ·        Travelling Abroad – Essential Information ·        Speeding Crackdown ·        Mobile Phones ·        Vehicle Crime – Are You Taking Care? ·        Highway Code – Important Advice ·        Put In Wrong Fuel – What To Do ·        Headrests – They Have A Purpose (How they should be adjusted) ·        Airbags ·        Take Care With The Internet ·        New Baby Seat Rules ·        Choosing The Right Oil ·        Keeping Down Fuel Costs ·        Belt Up In The Back   Plus Much Much More!   The book covers 61 subjects over 112 pages and will be re-issued annually adding to this valuable guide but to receive it you must order An Insider Guide To Car Finance within 7 days, so act now and order your copy right away by clicking here.    Place Your Risk Free Order Now   We are very safety conscious when it when it comes to your money so order payment is completely transacted via a secure server. Click here to order now and receive your book within minutes. Please also let me know what you think of the book. It's always encouraging to know that putting my advice into practice has resulted in a great cost saving or send me a photo of you with your new car. Sincerely, Graham Hill P.S. Remember that you have nothing to lose, I'll refund 100% of your money if you are not absolutely delighted and you get to keep the free book. P.P.S. Ever wondered how friends and colleagues can drive a new car every couple of years even though they earn no more than you? Well the answer is a mere click away. What are you waiting for? P.P.S. Maybe you arrange car finance for customers or you would like to. Either way this book is essential. There are opportunities to earn an income out of the arrangement of finance on new and used cars, buying this book is the first step. Who knows you could develop a business that could fund your new Mercedes or BMW. P.P.P.S. If you are in the middle of an agreement you must buy this book – it may come in useful if you experience problems either during or at the end of the lease especially if your finance was arranged over the net or with a dealer.