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Anybody know anything about cars?????!!

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Cotsy View Drop Down
Davey Langan
Davey Langan
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Cotsy Quote  Post ReplyReply Direct Link To This Post Posted: 14 Sep 2020 at 12:12pm
Anyone know options on PCP in terms of a downgrade? Currently on second PCP with VW and am 1 year into a 3 year agreement. Circumstances have changed so wondering if it is possible to downgrade the car in order to lower monthly repayments. Assume deposit would be lost, etc. but not sure if it is even an option or do I have to see out the agreement...
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sausy View Drop Down
Jack Charlton
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Post Options Post Options   Thanks (0) Thanks(0)   Quote sausy Quote  Post ReplyReply Direct Link To This Post Posted: 15 Sep 2020 at 10:06am
Originally posted by Cotsy Cotsy wrote:

Anyone know options on PCP in terms of a downgrade? Currently on second PCP with VW and am 1 year into a 3 year agreement. Circumstances have changed so wondering if it is possible to downgrade the car in order to lower monthly repayments. Assume deposit would be lost, etc. but not sure if it is even an option or do I have to see out the agreement...
 
You're going to have to call VW Bank to find out, could be the case that you might have to buy yourself out of the contract.
 
Not aimed at you but I think a lot of people enter in PCP's not knowing what they are getting into. If you plan on changing your car every 3 years (with the same brand usually) then it's fine. But a lot of people just see it as a way of getting a brand new car. As someone said before, PCP is a brilliant way of getting into a car you cant afford. Loads of people taking out loans to cover the balloon payments meaning they are paying for the car over up to 10 years!!!.
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