JustMike Posted 13 April, 2010 Share Posted 13 April, 2010 anyone ever got one of these? Just had my clutch go on my car and need a few £££ to get it fixed :-( Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 Blimey, they are a complete rip off. Avoid at all costs! Probably best you could get online is say £80 and pay £100 at end of month. Not sure if somewhere like Cash Converters might be cheaper ? Link to comment Share on other sites More sharing options...
OldNick Posted 13 April, 2010 Share Posted 13 April, 2010 I always have been against loaning money if possible. How much is the clutch? Link to comment Share on other sites More sharing options...
Crab Lungs Posted 13 April, 2010 Share Posted 13 April, 2010 Possibly a mate who would be willing to lend you the money? Or family? :-o don't do it! Link to comment Share on other sites More sharing options...
SOTONS EAST SIDE Posted 13 April, 2010 Share Posted 13 April, 2010 anyone ever got one of these? Just had my clutch go on my car and need a few £££ to get it fixed :-(No but APR % rates are extortionate!! Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 13 April, 2010 Share Posted 13 April, 2010 Find someone good, but cheap, to do it (or do it yourself) and who will wait until your payday. Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 yeah, it does go against my better judgement. Clutch is going to be around £400 :-( Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 Oh my lord, on your bike I think is the answer !! Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 Oh my lord, on your bike I think is the answer !! lol yes, quite literally ;-) Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 Find someone good, but cheap, to do it (or do it yourself) and who will wait until your payday. Yes, I had the same thought. My Dad used to know somewhere in Shirley but he's no longer with us so that's not really a lot of help Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 lol yes, quite literally ;-) Exactly Link to comment Share on other sites More sharing options...
dronskisaint Posted 13 April, 2010 Share Posted 13 April, 2010 As employers we regularly advance money to employees against future earnings - often for just this sort of sum & reason. As long as you have holiday entitlement due the money is reasonably guaranteed to the employer it only entails a little trust & builds a good working relationship both ways. Why not ask? Typically we deduct from the salary over two to three months depending on amount & circumstances. Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 No but APR % rates are extortionate!! Absolutely, just out of curiousity tried one site: http://www.paydayuk.co.uk/index.php?p=cj&AID=10368860&PID=2720965 Borrow £400 Charges £100 Repay on next payday £500 APR 1737% !!! Almost as bad as loan sharks. Link to comment Share on other sites More sharing options...
Master Bates Posted 13 April, 2010 Share Posted 13 April, 2010 I used quick quid Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 I used quick quid Sounds good "QuickQuid is helping hard-working Britons across the UK find a fast and convenient solution to immediate money needs from the privacy and convenience of home. Our same-day cash advances are a hassle-free solution to household bills, emergency expenses or short-term money needs. Apply today to benefit from our industry-leading cash advance services.: " Link to comment Share on other sites More sharing options...
Hatch Posted 13 April, 2010 Share Posted 13 April, 2010 Quickly go out and get some chav scum woman pregnant, the local council will buy you a new car then Link to comment Share on other sites More sharing options...
Master Bates Posted 13 April, 2010 Share Posted 13 April, 2010 Quickly go out and get some chav scum woman pregnant, the local council will buy you a new car then I can't drive, suppose it could be sold or set it alight and claim it on insurance. Link to comment Share on other sites More sharing options...
Dog Posted 13 April, 2010 Share Posted 13 April, 2010 I'll lend you a few quid Mikey, how much do you need?? If you don't pay me back I'll slit your spotty throat while you sleep. How much? Link to comment Share on other sites More sharing options...
scotty Posted 13 April, 2010 Share Posted 13 April, 2010 I'm with the general consensus here, which is to avoid those loans like the plague. The interest rates are punitive, a credit card would be way cheaper even if you had to draw the cash on that and pay the cash advance fee. And the nice friendly people helping you out suddenly get a little aggressive when it comes to paying them back.... If you really cant raise the money before payday, or the garage wont defer paying them til then, cant you borrow a car from a mate or something? Link to comment Share on other sites More sharing options...
Master Bates Posted 13 April, 2010 Share Posted 13 April, 2010 I'll lend you a few quid Mikey, how much do you need?? If you don't pay me back I'll slit your spotty throat while you sleep. How much? Make sure he's on the sofa at the time. Link to comment Share on other sites More sharing options...
doubleonothing Posted 13 April, 2010 Share Posted 13 April, 2010 I saw the advert for "Quick Quid" the other day in between Top Gear repeats on Dave. Couldn't believe the APR - 2356%!!!! At the risk of getting political - is there where Mr Brown and Mr Darling have been getting money from? In short - Speak to your bank and explain the situation. They are usually pretty good and will arrange a short term loan at much better rates than these con-artists you see advertised on TV! OOO Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 13 April, 2010 Share Posted 13 April, 2010 anyone ever got one of these? Just had my clutch go on my car and need a few £££ to get it fixed :-( What car is it? Link to comment Share on other sites More sharing options...
scotty Posted 13 April, 2010 Share Posted 13 April, 2010 What car is it? JustMikes car. Link to comment Share on other sites More sharing options...
chrisobee Posted 13 April, 2010 Share Posted 13 April, 2010 What car is it? An old wreck by the sound of it Link to comment Share on other sites More sharing options...
saintsdan Posted 13 April, 2010 Share Posted 13 April, 2010 I saw the advert for "Quick Quid" the other day in between Top Gear repeats on Dave. Couldn't believe the APR - 2356%!!!! At the risk of getting political - is there where Mr Brown and Mr Darling have been getting money from? In short - Speak to your bank and explain the situation. They are usually pretty good and will arrange a short term loan at much better rates than these con-artists you see advertised on TV! OOO Would be my advice too. Speak to the bank about a short term overdraft facility. Or failing that, see if your employer can help as Dronskisaint suggested Link to comment Share on other sites More sharing options...
Doctoroncall Posted 13 April, 2010 Share Posted 13 April, 2010 JustMikes car. I was expecting that reply but still laughed (does that make me bad?) JM, Perhaps you could phone round the scrap merchants for a replacement clutch, that may bring the price down a bit. Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 What car is it? its a renault scenic mpv thing An old wreck by the sound of it yes, i hate it with a passion but it gets me from A TO B ...well it used too I was expecting that reply but still laughed (does that make me bad?) JM, Perhaps you could phone round the scrap merchants for a replacement clutch, that may bring the price down a bit. I was on my way home from town when it went, luckily right outside HI Q garage. Its them that quoted £400. Its not drivable at the moment so if i want somewhere else to fix it i would have to pay for a tow too. Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 Would be my advice too. Speak to the bank about a short term overdraft facility. Or failing that, see if your employer can help as Dronskisaint suggested yes im definitely going to avoid the pay day loan things. See, isnt this forum great :-) Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 13 April, 2010 Share Posted 13 April, 2010 its a renault scenic mpv thing I'll ask a local garage (Hound near Netley) for an idea of the price. Where has it got to be towed from? Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 I'll ask a local garage (Hound near Netley) for an idea of the price. Where has it got to be towed from? HI Q garage, near SMS. Thanks, appreciate it :-) Link to comment Share on other sites More sharing options...
Smirking_Saint Posted 13 April, 2010 Share Posted 13 April, 2010 Could you not foot the bill on a credit card ?? Much much smaller interest rates than those pay day loan sites. Theres always another way mate, unless you are really really stuck don't do it. Link to comment Share on other sites More sharing options...
JustMike Posted 13 April, 2010 Author Share Posted 13 April, 2010 Could you not foot the bill on a credit card ?? Much much smaller interest rates than those pay day loan sites. Theres always another way mate, unless you are really really stuck don't do it. yes, am not going to touch them at all mate, rip offs the lot of them. Link to comment Share on other sites More sharing options...
Ponty Posted 13 April, 2010 Share Posted 13 April, 2010 Not being funny but clutches don't often go all at once. Has it been slipping for awhile? Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 13 April, 2010 Share Posted 13 April, 2010 Not being funny but clutches don't often go all at once. Has it been slipping for awhile? Cable broken? Link to comment Share on other sites More sharing options...
Elmore Posted 13 April, 2010 Share Posted 13 April, 2010 yes, am not going to touch them at all mate, rip offs the lot of them. But Tescos credit card gives you 0% interest for 12 months on all purchases - so you can pay it off within one year without paying a penny interest. Pretty good if you can pay it back in one year: http://www.tescofinance.com/personal/finance/finance/creditcards/index.jsp Link to comment Share on other sites More sharing options...
JustMike Posted 14 April, 2010 Author Share Posted 14 April, 2010 Not being funny but clutches don't often go all at once. Has it been slipping for awhile? I noticed on sunday, driving back from London that it was making a strange noise, nothing too loud or drastic. Didnt drive anywhere Monday and then yesterday had to drive to pick kids up, noise was still there and just thought I would take it to garage to get it looked at. 10 mins later I am struggling to find a gear. The guy in the garage said it was the bearing slipping through the clutch plate thing. So a new clutch and cable is the upshot of it Link to comment Share on other sites More sharing options...
SO16_Saint Posted 14 April, 2010 Share Posted 14 April, 2010 Try Atherley Garage in Shirley. I've used them loads in the past, very helpful and friendly and MAY help you here??? Link to comment Share on other sites More sharing options...
Michelle Posted 14 April, 2010 Share Posted 14 April, 2010 Also, Nandrews in Shirley are usually a good shout. Link to comment Share on other sites More sharing options...
JustMike Posted 14 April, 2010 Author Share Posted 14 April, 2010 The problem i have is that it is un-drivable so i have no choice but to let Hi - Q do it. Have also phoned a couple of garages this morning and they are not too disimilar to what I have been quoted already. Just going to hav to get it done. Bloody cars! Link to comment Share on other sites More sharing options...
Draino76 Posted 14 April, 2010 Share Posted 14 April, 2010 Can someone paypal me a tenner until tomorrow? I give eleven back. ta,xx Link to comment Share on other sites More sharing options...
Whitey Grandad Posted 14 April, 2010 Share Posted 14 April, 2010 HI Q garage, near SMS. Thanks, appreciate it :-) I've asked around and these people have good reports: http://www.mrclutch.com/branches/36/southampton Might we worth an ask. If you need a tow, I have a tow-rope. Link to comment Share on other sites More sharing options...
Jesus Reigned Posted 14 April, 2010 Share Posted 14 April, 2010 Also, Nandrews in Shirley are usually a good shout. They do a great piri piri chicken too. Link to comment Share on other sites More sharing options...
Ponty Posted 14 April, 2010 Share Posted 14 April, 2010 I noticed on sunday, driving back from London that it was making a strange noise, nothing too loud or drastic. Didnt drive anywhere Monday and then yesterday had to drive to pick kids up, noise was still there and just thought I would take it to garage to get it looked at. 10 mins later I am struggling to find a gear. The guy in the garage said it was the bearing slipping through the clutch plate thing. So a new clutch and cable is the upshot of it Sounds like a collapsed thrust bearing siezing the mechanism up. Thrust bearings are dirt cheap but, to be honest, I'd get the plate changed when it was in bits anyway so you're not going to get ripped off. That's all that I had in mind. Link to comment Share on other sites More sharing options...
hamster Posted 14 April, 2010 Share Posted 14 April, 2010 Mike I still owe you for that lift last year that springboarded my comeback. I have a bit of spare time tomorrow, if you want me to tow you (and car) to somewhere more affordable just ask mate. And fwiw I used William Street Services for a few years and they were always; quick, helpful, fairpriced and friendly. Link to comment Share on other sites More sharing options...
JustMike Posted 15 April, 2010 Author Share Posted 15 April, 2010 thanks everyone for offers of help and advice, just goes to show that we really have the greatest set of fans in the world ;-) I have now got this sorted, yes Ponty, you were spot on, it was the bearing but also the plate was knackered too. Managed to get it £150 cheaper by buying the part myself and taking it to them, they werent too happy but after i said that id take it elsewhere they soon changed their mind. Link to comment Share on other sites More sharing options...
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