Car pcp

Questions and Answers

My car is on PCP - how should I negotiate my renewal? What are the options?

Q) I have a Freelander on a 2yr PCP which is up for renewal in 6 weeks and I would like to get the new one. I've been in to see the dealer but they just keep bamboozling me with different figures and views of a "deal" without being transparent on the end-to-end deal. They've incredulously given me a trade-in figure less that the min. guaranteed in my agreement and I know the retail value is a lot lot more. Furthermore they will not give me a straight answer about which version/spec of the new model I can have for a similar monthly payment. Last time I was there I got fed up of the "I'll just go speak to my manager" and disappear for 15mins tactics, that I told them I had to leave for another appointment. I'm a working mum with two young children and I'm sure they take full advantage of this when I turn up with no male support (OH works his proverbials off 24-7 but he's c**p with money, but I won't be!). Can anyone please give me some guidance on how to deal with car salesmen? Thanks!

A) Salesmen are not employing a "tactic" - they are consulting with sales/business manager, they cannot make decisions without their managers prior approval. The best way to deal with this is to tell them what spec/version YOU want and ask them to provide you with a monthly quote. I am suprised you have been offered less than the guaranteed min,I would question this value with the sales/business manager but if so just hand the car back to the finance company and then take out a brand new deal. When you get your quotes then shop the dealer ie. get quotes from othe Land Rover dealers, don't be shy ring dealers up from all over the country then go back to your original dealer and ask them to beat your best quote. Dealerships are on massive targets and they will want to keep your business at virtually any cost. Do not believe the rubbish about commission - on a new car a saleman/woman is lucky to earn £75 on the deal. Also bear in mind Land Rover sales are struggling due to adverse publicity about four wheel drives, so they are desperate for sales. Make the salesman aware you are thre decision maker and you are in a position to buy a car without your other half being there. A salesman hates dealing with a customer who has to go home and check with the other half, they only get paid on sales!!Good luck

Does a UK company offer a personal contract purchase ( PCP ) finance loan to buy a car abroad such as the US?

Q) My current car was purchased using a PCP finance loan and its superb so ideally would like to use it again on my next car in the coming months. I would like to buy a 2005 Ford Mustang GT from an offical US Dealer and then import it myself as I'm a UK resident (have been since birth). I have seen many companies offering a PCP in the UK but only by selecting one of their cars I don't want to do this and instead would like to source the vehicle myself. Does anyone know if there are specific companies which cater for this?

A) most of the finance companies will, HSBC, lloyds TSB etc... ask your local car dealer for a quotatation on a PCP then take the PCP info away and contact the finance folk direct....

How can I find a good PCP?

Q) In the past few years I have been through a few primary car physicians. Usually beacuse of long waits in the office or rude office staff. I am one f the few Americans who actually pays for his health insurance and I just want to find a quality doctor. How do you find one?

A) I have gone through the same thing. I can tell you it is very hard to find a good PCP. The best way to find a good PCP is to either call or visit the office prior to seeing the doctor. A lot of times you can get a feel for the office staff by basic things such as how long it takes them to answer the phone, and their demeanor. You really have to treat it like a job and when you call interview the staff, see how they answer your questions, are they rushing to get rid of you, are they helpful. Also the same with the doctor, do you feel like you have a rapport with the doctor, do they answer your questions appropriately, is their concern genuine. It takes time, but eventually you'll find one that you trust and respect.

Best personal contract plan car leasing companies?

Q) Would you recommend any good PCP companies in the UK?

A) Avis.

What is a fair settlement amount for a car accident?

Q) I haven't sign anything yet and we are having a deposition next month (I'm nervous because it's my first time going to a deposition) My diagnosis is Chronic Musculoskeleton pain and this is permanent pain. My PCP doctor already gave me a written letter about my condition. and my problem is that I don't trust my lawyer because they already make an offer and when I asked for how much he said "it was to low" he didn't gave me an amount #. We did a law suit already and yesterday I ask him how much is he asking for and he said I don't know yet they need to give us the amount is this normal from an attorney? How much is is a fair settlement amount for this musculoskeleton syndrome? I want to be prepared because I don't trust him. Another question after the other ins. make an offer do I get to see that the original amount or he will just show me the amount after they break it down. Will I get copies of everything after signing?

A)

Why did Clinton pardon these people.?

A) All presidents pardon people including Bush who has pardoned rapist. Most presidents, including Clinton, never gave a pardon or anything else, to a person from his staff that was convicted of making false statements and Obstruction of justice! Clinton didn't even know the people, much less have him be a member of the white house staff! We know who leaked the name anyway. It was George Bush! The only one I can recall is when Ford pardoned Nixon, and that cost him a presidency! Lets see how many people Bush pardons his last day's in office!

R.I.P...James Brown..?

Q) ATLANTA - James Brown, the dynamic, pompadoured "Godfather of Soul," whose revolutionary rhythms, rough voice and flashing footwork influenced generations of musicians from rock to rap, died early Christmas morning. He was 73. ADVERTISEMENT Brown was hospitalized with pneumonia at Emory Crawford Long Hospital on Sunday and died of conjunctive heart failure around 1:45 a.m. Monday, said his agent, Frank Copsidas of Intrigue Music. He initially seemed fine at the hospital and even told people that he planned to be on stage in New York on New Year's Eve, Copsidas said. Brown was one of the major musical influences of the past 50 years. From Mick Jagger to Michael Jackson, David Bowie to Public Enemy, Brown's rapid-footed dancing, hard-charging beats and heartfelt yet often unintelligible vocals changed the musical landscape. He was to rhythm and dance music what Bob Dylan was to lyrics. "He was an innovator, he was an emancipator, he was an originator. Rap music, all that stuff came from James Brown," entertainer Little Richard, a longtime friend of Brown's, told MSNBC. "James Brown changed music," said Rev. Al Sharpton, who toured with him in the 1970s and imitates his hairstyle to this day. "He made soul music a world music," Sharpton said. "What James Brown was to music in terms of soul and hip-hop, rap, all of that, is what Bach was to classical music. This is a guy who literally changed the music industry. He put everybody on a different beat, a different style of music. He pioneered it." Brown's classic singles include "Papa's Got A Brand New Bag," "(Get Up I Feel Like Being a) Sex Machine," "I Got You (I Feel Good)" and "Say It Loud — I'm Black and I'm Proud," a landmark 1968 statement of racial pride. "I clearly remember we were calling ourselves colored, and after the song, we were calling ourselves black," Brown told The Associated Press in 2003. "The song showed even people to that day that lyrics and music and a song can change society." He won a Grammy for lifetime achievement in 1992, as well as Grammys in 1965 for "Papa's Got a Brand New Bag" (best R&B recording) and for "Living In America" in 1987 (best R&B vocal performance, male.) He was one of the initial artists inducted into the Rock and Roll Hall of Fame in 1986, along with Elvis Presley, Chuck Berry and other founding fathers. Brown, who lived in Beech Island, S.C., near the Georgia line, triumphed despite a turbulent personal life and charges of abusing drugs and alcohol. After a widely publicized, drug-fueled confrontation with police in 1988 that ended in an interstate car chase, Brown spent more than two years in prison for aggravated assault and failing to stop for a police officer. From the 1950s, when Brown had his first R&B hit, "Please, Please, Please" in 1956, through the mid-1970s, Brown went on a frenzy of cross-country tours, concerts and new songs. He earned the nickname "The Hardest Working Man in Show Business" and often tried to prove it to his fans, said Jay Ross, his lawyer of 15 years. Brown's stage act was as memorable, and as imitated, as his records, with his twirls and spins and flowing cape, his repeated faints to the floor at the end as band members tried in vain to get him to leave the stage. His "Live at The Apollo" in 1962 is widely considered one of the greatest concert records ever. And he often talked of the 1964 concert in which organizers made the mistake of having the Rolling Stones, not him, close the bill. He would remember a terrified Mick Jagger waiting offstage, chain smoking, as Brown pulled off his matchless show. "To this day, there has been no one near as funky. No one's coming even close," rapper Chuck D of Public Enemy once told the AP. Brown routinely lost two or three pounds each time he performed and kept his furious concert schedule in his later years even as he fought prostate cancer, Ross said. With his tight pants, shimmering feet, eye makeup and outrageous hair, Brown set the stage for younger stars such as Michael Jackson and Prince. And the early rap generation overwhelmingly sampled his music and voice as they laid the foundation of hip-hop culture. "Disco is James Brown, hip-hop is James Brown, rap is James Brown; you know what I'm saying? You hear all the rappers, 90 percent of their music is me," Brown told The AP in 2003. Born in poverty in Barnwell, S.C., in 1933, Brown was abandoned as a 4 year old to the care of relatives and friends. He grew up on the streets of Augusta, Ga., in an "ill-repute area," as he once called it, where he learned how to hustle to survive. "I wanted to be somebody," Brown said. By the eighth grade in 1949, Brown had served 3 1/2 years in Alto Reform School near Toccoa, Ga., for breaking into cars. While there, he met Bobby Byrd, whose family took Brown into their home. Byrd also took Brown into his group, the Gospel Starlighters. Soon they changed their name to the Famous Flames and their style to hard R&B. In January 1956, King Records of Cincinnati signed the group, and four months later "Please, Please, Please" was in the R&B Top Ten. Pete Allman, a radio personality in Las Vegas who had been friends with Brown for 15 years, credited Brown with jump-starting his career and motivating him personally and professionally. "He was a very positive person. There was no question he was the hardest working man in show business," Allman said. "I remember Mr. Brown as someone who always motivated me, got me reading the Bible." While most of Brown's life was glitz and glitter — he was the manic preacher in 1980's "The Blues Brothers" — he was plagued with charges of abusing drugs and alcohol and of hitting his third wife, Adrienne. In September 1988, Brown, high on PCP and carrying a shotgun, entered an insurance seminar next to his Augusta office. Police said he asked seminar participants if they were using his private restroom. Police chased Brown for a half-hour from Augusta into South Carolina and back to Georgia. The chase ended when police shot out the tires of his truck. Brown received a six-year prison sentence. He spent 15 months in a South Carolina prison and 10 months in a work release program before being paroled in February 1991. In 2003, the South Carolina parole board granted him a pardon for his crimes in that state. Soon after his release, Brown was on stage again with an audience that included millions of cable television viewers nationwide who watched the three-hour, pay-per-view concert at Wiltern Theatre in Los Angeles. Adrienne Brown died in 1996 in Los Angeles at age 47. She took PCP and several prescription drugs while she had a bad heart and was weak from cosmetic surgery two days earlier, the coroner said. More recently, he married his fourth wife, Tomi Raye Hynie, one of his backup singers. The couple had a son, James Jr. Two years later, Brown spent a week in a private Columbia hospital, recovering from what his agent said was dependency on painkillers. Brown's attorney, Albert "Buddy" Dallas, said the singer was exhausted from six years of road shows. Brown was performing to the end, and giving back to his community. Three days before his death, he joined volunteers at his annual toy giveaway in Augusta, and he planned to perform on New Year's Eve at B.B. King Blues Club in New York. "He was dramatic to the end — dying on Christmas Day," said the Rev. Jesse Jackson, a friend of Brown's since 1955. "Almost a dramatic, poetic moment. He'll be all over the news all over the world today. He would have it no other way."

A) I heard that James Brown had died earlier today. What a damper on Christmas. I loved his music and his showmanship. This guy could electrify any stage he took to. One of my all time favorite songs is "The BigPayback." The music world has truely lost one of the greats of all time.

What would you do if you were given 10 Billion Dollars?

Q) Heres what i would do: I would buy an amusmant park buy a island build a mansion on the island buy an 2 airports, one on the island, and an international one on the mainland learn how to fly a plane learn how to sky dive buy a ps3, x box 360, and a psp, not DS or Wii because i already own them buy all games for all systems listed above Buy a nice car load the island mansion with cool stuff like a bowling alley, basket ball court, indoor and outdoor football feild, indoor and outdoor pools, indoor and outdoor driving range, and you know those small pillows with microbeads in them? well i would have one made thats a matress id build a golf course build a huge race track with cars that go like 300 mph save 2 billion for anything else im forgetting or may want in the future buy my mom a cadilac spend the rest on PCP o yeah movie thetre and a yacht, and a submarine, and learn how to scuba dive and id buy the dolphins

A) I'd spend it trying to attract this girl I like. With $10 bil, I think I'd succeed, even if it cost me all the money. Oh, prioritys first though, I'd buy a '95 RX-7 and fall back in love with coke.

Sweating of face and palms,rapid heart rate?

Q) Last sunday when driving my car ,i had sweating of face and palms.My heart was beating rapidly.I parked and drank water and try to remain calm.But heart continues to beat fast.Called my friend to take me home...rested and in evening went to urgent care facility.They took ECG/blood test and the result is normal.No medication prescribed. I had a similar episode last november 2006.I consulted cardiologist and he says its panic attack.No medication. Does it comes on and off like this ?.OR should i go for getting CT scan done for stroke or is it because of hyperthyroid(blood test is normal).Iam male of 33 years old with family. My PCP is asking to take beta blocker (TOPOROL-XL) for life. Any suggesstions

A) Why are they wanting to give you meds when they have no diagnosis. I have had panic attacks like that and they do come on out of nowhere. frightning... I suggest second opinion. and why for life...? what arent they telling you? Go for nice long walks in the eve. get more sleep. and try to relax something is bothering you wheather you realize it or not. I would ask for a MRI if you are that concerned just for peace of mind. I hope you feel better.

Who should I contact for another pain med script?

Q) I went to the ER Sunday after a car accident. I have 2 cracked ribs. Was given a script of Tramadol. That ran out this morning and I'm in pretty bad pain again. I've taken 2 doses of 800mg ibuprophen today. It helps a bit, but I'm still in pain. My discharge papers say to follow up with my PCP, but he's already gone for the day. I've never been to the ER before. So I'm not sure if I should call them, go to an urgent care place, or what. Any ideas?

A) Your primary care physician's office should have the medical records from your ER visit. They should also have an emergency number and an on-call physician who can be contacted with this request. The physician who wrote you the scrip for Tramadol may not be the physician who is currently on duty in the ER, and some ER physicians are extremely reluctant to prescribe pain medications using another physician's diagnosis. If your physician's office does not have an emergency number, returning to the ER may be an option. If you go to an urgent care center, your medical records won't be there.

I need to have my MVA case reopened, after settleing once with the insurance company.?

Q) I was in a car accident, and I won the lawsuit because it was not my fault. The insurance comp paid for my recent medical bills, and thats all. They did not take my lost wages into consideration, and did not help me in my future. I had back surgery, and recently found out I need another back surgery, and a hip replacement. My PCP says to get the case reopened! I understand there is a way I can do that, but it's going to be very hard. I wouldnt do it, except they are the responsibile party, and I have no choice. I am disabled from this at 25 yrs old. What kind of attorney should I get, and how do I reopen a case? I recently found out that it would be called "Aggravation Application" and I have no idea how to begin, please help if you can, thanks!

A) You need an attorney who has a of experience with personal injury cases. And you may have to meet with quite a few before you find one willing to do it, because as you said it will be really hard, if not impossible. Best of luck to you.

my doctor told me i have only 2 months to live....?

Q) I tried almost everything in the last week including : Ecstasy narcotics and painkillers, morphine and opium, amphetamines, methamphetamines, stimulants, barbiturates, and methaqualone, tranquilizers, PCP, LSD, mescaline and peyote, psilocybin, heroin, opium and fentanyl, cocaine and crack cocaine, amyl nitrite, butyl nitrite, chlorohydrocarbons and hydrocarbons, nitrous oxide, marijuana, hashish and hashish oil, went sky diving, entered the wsop, bungee jumped, played russian roulette, baked a cake, went looking for osama bin laden (i didnt find him), lost $100,000,won the $100,000 back, learned a new language, visited stonehenge, went on a rollercoaster, i met John Travolta, i met the man who met Andy Griffith, was an extra in a movie, visited the White House, drove a lamborghini, ran a marathon, helped a person in need, got a haircut, fixed my car, got a nose job, met the dallas coyboys cheerleaders...if u can think of anything else i need to do b4 i die, PLEASE let me know!

A) I am very sorry....did you try magic shrooms, have you visited China, Australia...gone surfing, swam with dolphins, get married, have a one night stand, eat nothing but junk food for one day, watch your favorite move, meet your favorite band, count the stars, take a picnic, drive across the country, go to Egypt, to see the pyramids, myan temples, drive on the autoban...(I think thats how its spelled) Ellis Island look for ancestors there, Vegas, grand canyon, hoover dam, Ireland, Whale watching, pet a shark or a sting ray, snorkeling, scuba diving, african savana, lions tigers, russia