hey guys, i had a crash this morning, i went into back of another car, ive accepted its my fault and all that, but now im stuck for a car, ive been offered a GP for a good price, but i have no money.
im now searching around for loans and credit cards and all that jazz, been ringing just about everyone in the telephone book!
whats the best way to get the money? ive a barclays account but not brilliant credit score and asked if they would be able to find me a loan but they couldnt, anyone have any idead? apart from robbing a bank!

cheers
ally

So you're only 3rd party then I take it?

Best thing to do is calm down, and look at public transport.

DO NOT rush in to things, least of all credit.

nope, fully comp but ive a £500 excess and the most ild get back from the car is around £300 ish.
i live in the pure arse end of nowhere so public transport is pretty much non-existant

just buy a cheap round a round for a few hundered, as above though don't rush into credit unless you have a decent secure job look into a car on finance maybe?

don't forget to change your sig

£300 for an 04 m2kb?

allyl90 said:

hey guys, i had a crash this morning, i went into back of another car, ive accepted its my fault and all that, but now im stuck for a car, ive been offered a GP for a good price, but i have no money.
im now searching around for loans and credit cards and all that jazz, been ringing just about everyone in the telephone book!
whats the best way to get the money? ive a barclays account but not brilliant credit score and asked if they would be able to find me a loan but they couldnt, anyone have any idead? apart from robbing a bank!

cheers
ally

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Just out of interest, why did you go in to the back of another vehicle?
What were the circumstances?
Not wishing to make judgements as plenty of people have done it, but it might help somebody else doing the same.

Do you have any money to hand at the moment? Plenty of cheap cars on AutoTrader.

Family might be a good idea if you pay it back, might be awkward if you're not likely to pay it back though! Thats what I did with my Gran for my Focus. Luckily she didn't mind when I payed her back, and let me miss a couple of payments as I needed the money to fix my car.

I would try and stay away from loans though.

How much would it be to fix your car?

pooroldcodger said:

Just out of interest, why did you go in to the back of another vehicle?
What were the circumstances?
Not wishing to make judgements as plenty of people have done it, but it might help somebody else doing the same.

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guy in front of me slammed his breaks on at a zebra crossing and i didnt see him breaking in time, so i hit him in the rear

Kier said:

Do you have any money to hand at the moment? Plenty of cheap cars on AutoTrader.

Family might be a good idea if you pay it back, might be awkward if you're not likely to pay it back though! Thats what I did with my Gran for my Focus. Luckily she didn't mind when I payed her back, and let me miss a couple of payments as I needed the money to fix my car.

I would try and stay away from loans though.

How much would it be to fix your car?

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the car's a write off, caved in completely at the front, even the woman on the phone at the garage they've taken it to said by the state of it thats she thinks its a write-off.

allyl90 said:

the car's a write off, caved in completely at the front, even the woman on the phone at the garage they've taken it to said by the state of it thats she thinks its a write-off.

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You got any pictures at all? Tbh i dont think that is right that they might be writing it off, its worth more than that..

Buy it back from the insurance company, break it and sell the parts, then scrap the shell, should get you back more than you'd have to pay for it.
3 cars in a row written off - if that was me tbh I'd be looking at a scooter, something much cheaper and a lot harder to kill! Especially since public transport obviously isn't an option.

Eklipze3k said:

Buy it back from the insurance company, break it and sell the parts, then scrap the shell, should get you back more than you'd have to pay for it.
3 cars in a row written off - if that was me tbh I'd be looking at a scooter, something much cheaper and a lot harder to kill! Especially since public transport obviously isn't an option.

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More likely to kill yourself though! Id seriously look at buying really cheap cars with as much mot as possible and running them into the ground instead of shelling out for expensive cars again

With the minimum of offence intended to the OP - they obviously feel too safe behind the wheel of a car and let their concentration lapse, much harder to do that on a bike/scooter as you know you're completely exposed and mistakes will see you get seriously hurt.

Eklipze3k said:

With the minimum of offence intended to the OP - they obviously feel too safe behind the wheel of a car and let their concentration lapse, much harder to do that on a bike/scooter as you know you're completely exposed and mistakes will see you get seriously hurt.

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Yeah thats true, i used to ride a scooter and although i was confident riding it i was always more comfortable behind the wheel of a car so i guess you just know if somethings going to happen on a scooter, your more likely to get hurt badly so you need to concentrate at all times

Eklipze3k said:

With the minimum of offence intended to the OP - they obviously feel too safe behind the wheel of a car and let their concentration lapse, much harder to do that on a bike/scooter as you know you're completely exposed and mistakes will see you get seriously hurt.

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i had a scooter for 3 years, in winter months its horrible, i live in a very rural area with lots of tractors about, the conditions of the roads round here is very dangerous for pushbikes, let alone 2 wheel with an engine!

:idea: Why not a tractor?

Stealth Locky said:

:idea: Why not a tractor?

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Might be safer.

glad your ok btw

let me know if u buy it back might be interested in engine and box for the right price

cheers

lee

Gutted for you, I've done the exact same thing several years ago. Did you take photo's of the damage to the other car? I didn't do that and my insurance paid out without question for a full respray new bumper and new lexarse lights for the car I hit - I didn't take any photos at all so my insurance just forked out - which pushed my premium's through the roof. All that was damaged was the light cluster had cracked and there was some of my paint on their metal bumper

I'd recommend some very cheap and cheerful - your insurance is probably going to enough to fund a small mission to the moon!

Stealth Locky said:

:idea: Why not a tractor?

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I saw this on a telly prog a while back. Some young lad was being quoted stupid money for car insurance so he bought a very old tractor & it costs him practically nothing to run it (aside from maybe higher fuel usage?)

just thought, you mentioned your excess but you'll be using it anyway to claim for the other car wont you?