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my youngster looking at a car 4.4k finance at 12.7%
ive offered the money at 4.5% over 3 years straight interest
breakdown please if you can help
ive offered the money at 4.5% over 3 years straight interest
breakdown please if you can help
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god help us if they were smart enough to be in our situation.
brilliant thread...
chavman on to see how much money he can make out of his own son over 3 years...deplorable
i make it 5 pounds and 50 pence a month - you will make for free out of him over the 3 year period
£198 total - you will make out of him over the period of 36 months
covers a few lucky 15's i suppose chavman
guardone
28 Jan 14 02:23
Joined:
18 Jun 02
| Topic/replies: 86 | Blogger: guardone's blog
I worked it out for you, 36 months at £130.50. By charging him interest it becomes an illegal transaction under financial sevices laws as I doubt you have a consumer credit licence. you would also be guilty of money laundering when you fail to declare the interest on your tax return. You would also be liable if the car proved faulty as you are a part of the transaction. That is just part of the minefield I am aware of. Do not charge interest, make it a loan to your child, for any purpose, and all of the above problems disappear.
very relevant guardone imo
chavman on to see how much money he can make out of his own son over 3 years...deplorable
i make it 5 pounds and 50 pence a month - you will make for free out of him over the 3 year period
£198 total - you will make out of him over the period of 36 months
covers a few lucky 15's i suppose chavman
guardone
28 Jan 14 02:23
Joined:
18 Jun 02
| Topic/replies: 86 | Blogger: guardone's blog
I worked it out for you, 36 months at £130.50. By charging him interest it becomes an illegal transaction under financial sevices laws as I doubt you have a consumer credit licence. you would also be guilty of money laundering when you fail to declare the interest on your tax return. You would also be liable if the car proved faulty as you are a part of the transaction. That is just part of the minefield I am aware of. Do not charge interest, make it a loan to your child, for any purpose, and all of the above problems disappear.
very relevant guardone imo
Fancy meeting up for a pint of Guinness? My treat, and I won't charge you any interest.
jr hartley defo some old dickhead from the back of beyond middle england who thinks he seen it all.in reality the first part only
and the rest of you living in the dream you make money on here.vv sad
At least we try to make money in a noble way, betting, rather than charging our own families......
silly photos pathetic.now ive got the cash to buy 10 of these cars today most of you relying on government handouts or planning for the next gas bill and you dig me up on money management
Calm yourself Chavman....pour yourself another one.....it's not really that early......so your son is an @rsehole....so what.....i'm sure your not the first parent whose son hasn't lived
up to expectations.....you can of course take solace from the fact that he has suffered no such disappointment in his expectations of you....
up to expectations.....you can of course take solace from the fact that he has suffered no such disappointment in his expectations of you....
got the money to buy 10 of the cars - yet still wants to make 5 pounds fifty pence out of your own son per month
dig you up on money management - you asked the question about how much interest to charge your son
people happy to help
dig you up on money management - you asked the question about how much interest to charge your son
people happy to help
wont touch a drop for another week,so dont assume i live your sad life.you too are a ****,an arrogant one at that
this is like the good old days everyone talks about
offer to meat each other in a car park as well, be like the early noughties again
offer to meat each other in a car park as well, be like the early noughties again
No need for that sort of language Chavvy....only trying to help.........good luck with the abstaining from drink pledge btw....
Chavman could ask his son to drive him to the carpark, but as long as his nipper paid for the fuel himself.
unless i want him to grow up as wet and detached from reality as you i shall continue as i am
Well i'm sure you know best.........you could be from a family with a proud history of being @rseholes for all i know.
johnnyyes the family day trips out should be a lot of fun...fuelled up and ready to go
just think how much money chavman has saved his son already, his son should be very grateful really
God forbid that the son has to sell Chav an organ................as time passes
suppose you could always wheel clamp
him,if he falls behind with the payments.
him,if he falls behind with the payments.
and then charge him to take it off penzance
very clever
very clever
comments like that, always a sign of limited intelligence mange
i doubt he is a banker....certainly knows how to make money though
i doubt he is a banker....certainly knows how to make money though
I recently bought my grandson a 2011 Lamborghini Aventador!
No question of me charging him any interest!
He's five years old, next birthday and i bet he can't wait to open his birthday present, as he loves model cars!
And i love him to bits!
No question of me charging him any interest!
He's five years old, next birthday and i bet he can't wait to open his birthday present, as he loves model cars!
And i love him to bits!
Fair play Norfolk...
TBF to Chavvy he thinks his son is an @rsehole so he is within his rights imo.
TBF to Chavvy he thinks his son is an @rsehole so he is within his rights imo.
times must be tough if your charging your kids interest 
Chavers woke up (maybe not) in a terrible mood, those hangovers can play cruel tricks on your mindset, especially when you're belting back the cheap stuff in large quantities.
Looking for a ding dong on an anonymous forum to vent his anger at life.
Splendid schtuff imo.....
Looking for a ding dong on an anonymous forum to vent his anger at life.
Splendid schtuff imo.....
Thinly veiled 'i've slept with a woman' thread imo......
chavman,
I bought my son a car four years ago for £5,000. He now wants another car and it is going to cost £10,000 which he doesn't have.
He's recently gained a degree in media / journalism, but, currently only has a part time job at a supermarket which means he will struggle with the repayments. I thought I would give him the £10,000, but, my wife has said no, he would have to repay me albeit at zero interest.
I think my wife is right as I get the impression my son expected me to cough up £10,000, no questions asked.
I bought my son a car four years ago for £5,000. He now wants another car and it is going to cost £10,000 which he doesn't have.
He's recently gained a degree in media / journalism, but, currently only has a part time job at a supermarket which means he will struggle with the repayments. I thought I would give him the £10,000, but, my wife has said no, he would have to repay me albeit at zero interest.
I think my wife is right as I get the impression my son expected me to cough up £10,000, no questions asked.
just seen one in north london 2.5k gonna go get it now.haggle to get a oner off.
looked it up, x 2yrs @3% = £2650= £110 a month.dunno why i bothered asking you lot,not a pot to p!ss in
looked it up, x 2yrs @3% = £2650= £110 a month.dunno why i bothered asking you lot,not a pot to p!ss in
chavman's just uploaded a video of himself and his nipper to You Tube.
Fyi chavman's the one on the right.
http://www.youtube.com/watch?v=TqQNMQs0h2I
Fyi chavman's the one on the right.
http://www.youtube.com/watch?v=TqQNMQs0h2I
chavman if you had saved for him when he was a nipper, he could go out and buy his own car now....
What happens if your wife needs a new cooker, do you charge her interest too?
(I've made a broad assumption that you have a wife, but could be miles out)
(I've made a broad assumption that you have a wife, but could be miles out)
chavman takes a sip out of other mens pints when they go off for a pee
On the way to buy it now "johnny".pay cash and sit back and watch the interest roll in
chavman
28 Jan 14 12:04
Joined:
04 May 12
| Topic/replies: 6,331 | Blogger: chavman's blog
just seen one in north london 2.5k gonna go get it now.haggle to get a oner off.
poor lad can't afford the interest payments so had to get a lower valued vehicle
make sure you charge him the petrol money to fetch it chavman
28 Jan 14 12:04
Joined:
04 May 12
| Topic/replies: 6,331 | Blogger: chavman's blog
just seen one in north london 2.5k gonna go get it now.haggle to get a oner off.
poor lad can't afford the interest payments so had to get a lower valued vehicle
make sure you charge him the petrol money to fetch it chavman
Dont tell lies chave, we all know you just about stretch to a 5p win patent!!! Pay for a car? How many roll up's will you have to steal in the pub to pay for that
On a £2500 advance, 2 years at £110 per month may be 3% FLAT interest but the REAL return you are getting as the lender is 5.76% which is the APR
Sooner the kid flies the soiled nest the better me thinks, leave the old miser rot in his own p*ss and 5p patents!!!
J.R.Hartley • January 28, 2014 9:57 AM GMT
Calm yourself Chavman....pour yourself another one.....it's not really that early......so your son is an @rsehole....so what.....i'm sure your not the first parent whose son hasn't lived
up to expectations.....you can of course take solace from the fact that he has suffered no such disappointment in his expectations of you.
Calm yourself Chavman....pour yourself another one.....it's not really that early......so your son is an @rsehole....so what.....i'm sure your not the first parent whose son hasn't lived
up to expectations.....you can of course take solace from the fact that he has suffered no such disappointment in his expectations of you.
Jan 28, 2014 -- 1:09PM, Johnny_Mustang wrote:I hope his daughter doesn't want a pony....
Jan 28, 2014 -- 11:56AM, alleged22 wrote:times must be tough if your charging your kids interest
Jan 28, 2014 -- 1:15PM, Johnny_Mustang wrote:Chavman on his way to buy son a car.
Not so 3rd world when the boys in Cork battered the Essex regiment.......look it up fool....circa 1920s
Jan 28, 2014 -- 1:17PM, chavman wrote:
Chav loaded
yip with shoite
maybe you misjudged it chav, perhaps telling your lad he can borrow the cash, pay back what he can each month when he can and not asking for interest might be a better way to go?
surely a candidate for the best example of the need for a "delete post" function from the OP there
Maybe a few years in a re-education / re-get a life camp could be the answer? if all else fails, I suppose extermination is an option.
I`m not saying he`s tight with money but when he goes to bed at night he takes the battery out of his watch.
themightymac 28 Jan 14 14:35
I`m not saying he`s tight with money but when he goes to bed at night he takes the battery out of his watch.
I`m not saying he`s tight with money, but when he offers to buy a round in the pub, only a dog could hear him
I'm not saying he's tight with money, but he counts his fingers after he shakes your hand.
He is so tight, he is still waiting for the bible to come out in paperback
he is so tight, he uses both sides of the toilet paper
I wonder if his sons pocket money up with inflation rates
chavman has been spotted hanging around james turner st, he,s looking for tips from the 50p man
car secured dickie.£2450 lighter but as the good lord said"everything comes to he who waits" [+3% in 24 monthly instalments]
Chav , try helping your lad if he is struggling instead of cashing in on it
First potato is free at chavs house any more are 50p each
First potato is free at chavs house any more are 50p each
You do know that your actually meant to help your children chav ?
Jan 28, 2014 -- 5:59PM, hello :-) wrote:
You do know that your actually meant to help your children chav ?
maybe the mother is irish so tightarse treats them so mean
He mumbles on about a bedsit of mine yet wants interst from a loan to his son
Pink cars normally go for cheap, i hope you went to Sheilas Wheels for "his" insurance
Pink cars normally go for cheap, i hope you went to Sheilas Wheels for "his" insurance
can see both sides of this so for once . . i will
my gob.
i would give my kids everything . . . but does that teach them the value of money??
i will take the 55th aghmendmunt
my gob.i would give my kids everything . . . but does that teach them the value of money??
i will take the 55th aghmendmunt
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