Buying a pc through finaceing?

Are there any sites that offer this online with a bank card?

Similar to pc world instore offers, where you can buy a pc and pay it off montly like a catalouge.
Or laptops.

tiger direct has a direct card not sure if thats what you mean.

I mean where by you pay for the pc monthly. But you get it right away. Like littlewoods, only a shop/online store instead.

I'll check out tiger direct anyway see if we're on the same page.

http://www.bluehippo.com/

Financing?

I work for ECS. I get laptops- Pentium 4 M 2.0ghz, ATI integrated GFX with 512mb of ram for £250. I've not seen a way to get them other than for working for a company.

Yeah financing, it's basically where you pay montly rather than all in one go. PC World do it in store but there site has no mention of it. Probably to cut out fraud or some bullocks.

Thanks brice, that's what I had in mind , but i'm in the uk so can't use that one.

Oh, i see what you meant.

For me, i got my system for £250 from the brokerage dept through financing :P

Well, Dell do financing:
http://www1.euro.dell.com/content/topics/topic.aspx/emea/topics/payment/home?c=uk&cs=ukdhs1&l=en&s=dhs&~ck=mn

However, this is 'subject to status' (as with all credit agreements), so, if you haven't got a regular income, your chances of getting credit is slim - I'd imagine.

If you don't have the cash, you can't afford it.

I live by that rule. That means I don't owe ANYTHING out. :)

[quote[If you don't have the cash, you can't afford it.
[/quote]
Perhaps not, but you can nick one. Off the back of a lorry for a fiver and a wink.

But as bigop points out, you can afford it without the cash, just as long as you have good credit.
Being a hippy i doubt my credit rating is exactly steller however.

I don't think you understand what Halo meant -- just because someone is willing to give you one, doesn't mean you can afford it.

If you could afford it you wouldn't need to borrow & pay interest in the first place.

I dunno, paying 25 quid a month or whatever I'd barely notice. Seems like most people could afford that.

There's Dabs.com and EuroPC.

http://www.europc.co.uk/home.aspx
http://www.dabs.com

You can build your own PC component by component or buy one of the ready built ones. I think there is a deposit of 10% that has to be paid if you are accepted for financeing. As with all Credit they run a credit check on you and even except people on benefits as long as your credit history is good.

The thing is if you don't have the cash for it don't borrow it. It's the easiest way to get yourself in to the misery that is debt. Learn from the millions who are currently struggling each month to pay off debts and don't do it.

Your choice anyway. :)

"
I don't think you understand what Halo meant -- just because someone is willing to give you one, doesn't mean you can afford it.

If you could afford it you wouldn't need to borrow & pay interest in the first place.
"

Depends on your perspective I guess. If I can afford the monthy repayments then to me that means I can afford it. It being the financing terms, not the pc as a whole.

Should hopefully start making some money in the not too distant future working with ad and damien in torque so i'm not worried about getting in debt.

Amon, thanks for those, just what i was looking for. I just know i'm going to get turned down though, call it a gut feeling. :)

Don't get into debt is my answer. I simply wont be buying anything.

Saying that, I did try for a laptop last month when my new account came through. I stopped before the did a check cuz i knew it would fail- since my card was new! crap eh? still, I came to my senses and didnt get one at all :)

My lil lappy ive got is good enough.

Now, if only torque was it's friend!

So they frown upon new cards then? that's me out then as my card is shiny new.

Knew it. I know it wouldn't go smooth. It never goes smooth. (Firefly quote)

As for debt, i'm already in debt. little late to be worrying about it now.

I don't agree with payment plans at all. You do realize
that you end up paying double or more than the value
of the machine, right?

When I bought my machine, I saved up until I had the money.
Then I made the purchase. It was a painful wait,
but with the payment plan I was going to use, I would
have paid an extra $2400 for my $2800 machine!
Ludicrous!

And they'd also barely notice that 15 of that is interest.

Yeah i can imagine that putting someone off. thankfully i'm only going for 300-400 pound machine, just something to bring into the age of digital machines and away from this steam powered relic i have currently.

i have 128mb of ram. nuff said :)

Don't do it. My offer will stand for as long as i can let it stand :)

Bad answer, I got into debt, and I'm just pulling myself out of it now, and it's been a bloody nightmare!

I got into debt before I met my current girlfriend (Which we've been together for three years now), I had the same idea, as in 'F%£k it, you only live once', but when baileffs come knocking, letters spewing through the door, trying to explain to her that I'm not going to lose the house (Even though I was in two months of arrears, and couldnt afford the third)... It weighs on you... heavily! :/

Now, I'm arrears free, no 'give me the money' letters, and definitly no bailiffs banging... I still owe some money, but not that much now, and since I'm paying, I only get nice 'Thank you for your payment' letters! Which definitly feels better! :)

And all it took, was a little purse string tighting, and if I wanted something I knew I couldnt afford, then I just had to lump it!

Once my debt is paid off, my girlfriend said she'll take 25 notes out of my pay a week, and when I've got some decent money to spend, I can build/buy whatever system I want!

"Not long now", Well, that's what I tell myself!!! :)

So dont be tempted to dig yourself in too deep Ant, it's not worth it!

Dabz

P.S. Still, you can tell me to @#!* off, then I can say 'okay then, I saw an advert on TV for a shop that sells stuff for the home, including PC's', its called brighthouse and they charge a mouth drying 29.9% APR... Or get a provident loan, and at 50% APR, it's an absolute steal!!! (I had one of them by the way... ouch!!!)

;)

Just do it dude. Go for it.

If you can't make the payments just let them take you to court. If the debt is in your name and not secured on anything all they can do is ask for an income and expendature sheet from you so they can assess what you can repay. IF you can't afford it then you may be able to claim that they irresponsibly leant you the money and did it without doing any proper checks on you. These days banks and other lenders will give money to anyone with a good credit file even if they are not working. If it goes to court the magistrate will ask for an income and expendature form or ask you what you can afford to repay per month. After that the company that leant you the money either excepts the minimum monthly payment or they right off the debt.

The process is this. When you miss a payment you are sent a letter notifying you that payment wasn't received. If you do not reply or do not pay you go in to arrears. If you go a second month without paying the bank or lender sends you a warning letter that your account with them is 2 payments in arrears. They will also add a minimum of £25 administration charge. If you go in to month three in arrears they send out a letter threatening that they will send the way you managed your account to credit reference agencies like experian and exquifax. When you go in to month 4 of arrears they start sending letters asking if you are having financial difficulties. This is when you have to phone them and explain to them that you are in a financial crisis. They will ask you to borrow money from friends or family to pay the arrears which obviously you couldn't otherwise the arrears would be paid.

The next letter you'll get will be the one telling you to pay the outstanding balance in full or they will transfer the debt to a debt collectors. If you dont pay youl will get companies like Wescot Credit Solutions, Nationwide Debt Recovery or Moorcraft dealing with the account. This is when the threats start. They will threaten you with court, threaten you by telling you someone will visit your house(Please note that no one can come to your house to take anything if it is an unsecured debt and they can only come and take goods if ordered by a court). The person that comes to your house is just a dude that will discuss the debt with you but debt collectors try to scare you in to thinking that your goods will be removed. Don't fall for it. They can't take jack all. This dude will look at your goods to secretly report back to the debt collectors on the items you have in your home(if it is your home- if it isn't then better it is for you :)). When the dude leaves he will report back to the debt collecting comapny that you have not reached a resolution for repayment of the debt. They will then be forced(by Law) to come to a payment arrangement with you. They are required by law to do this.

What they will ask for is an income and expendature document that lists what your income is. Now, you're on benefits so your income will be your income support and DLA. The DLA they can't touch because it's a non contributary income and is for your care. The income support they can take a chunk out of but only when you have plenty left over from your income support after you have paid for your food, Electric, Gas, Water rates, Phone, TV License and one luxury item like internet or cable television. IF you are left with £10 after all of this then £10 is all they can take per month. If your left with £2 per month then all they can take is £2.

Remeber that the last thing they want to do is to take you to court because if the court finds that you cannot possibly pay back the debt then you will either be ordered to pay back £1 a week or the debt will be written off as a bad debt.

This worst case scenario is when you have a lot of expensive goods that belong to you. The court can order that these be sold to pay the debt. If you don't have F all then they can't take F all.

Now, you can either go through all that if you get yourself in debt and can't pay, or you can just save up the money each month and pay for the PC with CASH.

If you only want to buy a PC worth £400-£500 then waiting 6 months to save up the money would be better.

I've rambled. I'll shutup now. :)

This like an episode of the trisha without the black lady. :)

Thanks for the advice anyhows, i'm too stubborn to listen of course but at least you'll be able to shut 'told you so' as they cart me off to prison for fraud and missed payments :)

What about da baby?

Rice and Peeeeeeeeea!

lol, I know I rambled, sorry :)

I worked as a debt collector and know the procedure. I fealt, for some unknown reason, to explain how they go about dealing with people who don't pay.

:)