Conference terri::cars_uk

SOunds like a bargain - spend �7,200 and get a voucher for
�360. What happens when the lease is up, can we take out
the �360 worth of "goods"?

You need to get hold of an application form. I'm not sure 
where you'd get one, but my first guess would be a GM/Vauxhall
dealer.

    Re: 2 back.
    
    Run up big bill(s) on your current credit card(s)... Then only pay off
    the minimum monthly amount for a few months....
    
    You should then receive an application form from the GM Card people,
    because at this point they realise that they can make big money out of
    you on interest payments; part of the GM Card package is that you can
    transfer outstanding sums from your 'old' credit cards.
    
    Reargards,
    
    Stephen

    Re getting an application form.
    
    I don't have a number but here is the address.
    
    The GM Card
    P O Box 3522
    Birmingham B1 3PG
    
    
    
    Royston

    Mine has a number for enquiries written on the back:-
    
    0800 000 123
    
    Jc
    
    (Who doesn't want a vauxhall next time, but likes credit cards)
    

    I currently have a GM visa card and did a few quick sums before I took
    it on.
    
    I reckon that if I put ALL my household purchases via the card + ALL
    business expenses.
    
    In 3 years I'll have about �1200.00 towards a holiday/goods.
    
    Not bad eh!!
    
    All I need to do is then take on a takeover Vauxhall for 1 - 2 months,
    prove to GM that I have such a car (P11D)/chasis no:, then spend the
    dosh on a nice holiday!
    
    Andy
    
    Only 2 years and 10 months to go!
    
    :-)

Thanks for all the help (addresses and phone numbers) everyone.

I shall try to get a GM card now.

Thanks,

Anil....

    re: .4
    
    Funny, that's what happened to me...
    
    Tony.

    
    Why run up big interest bills for a month or two when one can just give
    'em a ring?
    
    A

    Because I need the money 8-(
    

    I have recently got my GM card and will hopefully be claimed vouchers
    when i get my next vauxhall company car.
    
    Does anyone know what "goods" at what "retail outlets" you can get with
    these vouchers as I'm not really interested in the holidays.
    
    Royston

    Hi,
    
    I asked the GM customer service centre this question, They said so far
    they have, W H Smiths, Curries and Do-It-all, they do NOT have Marks
    and Sparks.
    
    Happy Shopping
    
    Eric
    

Hi all,
	I have one of these GM cards and obviously it's in our interest to put
as much through the card as possible, as long as you pay up on time you won't
incur any interest charges, so if anyone has any novel ideas on may to "maximize
throughput", please post a reply.


	So far obviously you can use it where-ever there's an electronic till
	& for petrol & buisiness expenses etc...

	but... the other day I was at the supermarket checkout when I was
offered the option of taking some "cashback" on my shopping bill, the idea being
that,  say 20 pounds would be added to the total bill and you get the cash. This
could be a good idea, because IF it does just show up as a transaction on which
you get the 5%, it'll mean you can use this as a source of cash rather than your
banks cashpoint machine and get the 5% !

	You can't just directly withdraw cash using your card because -

	1. you get charged interest on the amount straight away
	2. You don't get the 5% from a straight cash withdraw.


	Now if I could just figure out how to get all my monthly direct debits &
Mortgage routed through the card !

    If this cashback thing works like as it does on my Switch card at
    Sainsbury's, then the statement will reflect the cashback bit as a
    separate transaction from whatever you bought.
    
    In the case of Sainsbury's at Hedge End this has proved useful more
    than useful.... On a few occasions I have been handed back my card and
    receipts, but no cashback (even though it was requested). As the
    cashback and purchase transactions were listed separately, this
    provided the proof that I had asked for some cash back... which was
    duely handed over.
    
    Stephen

    Please note that you DO NOT get rebate points on any 'cash' transaction
    - I bought �1200 of travellers cheques and got no points!
    
    
    However.  I just went to a Vauxhall dealer and checked out the price of
    an M-reg Corsa Swing with Sunroof/Radio Cass etc...
    
    He quoted me �7000 on the road with no trade in (list �7500)... then I
    told him about the GM card, vouchers etc that I was entitled to so he
    took off the �250 from my Gm Card, �200 bonus GM voucher and �550 for the 
    "on the road" voucher...
    
    making a new 1.2 Corsa Swing �6000.... with a �2500 deposit the monthly
    payments were... �13.70 a month... with �4300 to pay at end (or hand
    car back)....
    
    assuming there'll be some equity in the car this is a LOT cheaper than
    having a company car?? or is there some catch?
    
    Anyway, I haven't signed up yet, cos I want to see if I can:
    
    a) spot the catch
    b) get an extra years warranty thrown in
    
    
    
    Xtine
    
                                                    
    
    
    
    
    Xtine

    ps.  I realise the main catch is that its a Corsa!
    

    Sounds like a great deal !

Does the �4300+�2500+(�13.70*36months?) included servicing, insurance,
road-tax etc? What is the quoted APR?

I do get the feeling that you would be better off paying more per
month to clear the loan off faster, as the interest on the remaining
�4300 after the loan period will be a major factor in the costs - it
is one heck of a balloon payment!

But then again, i was never very good at numbers!

mb

If handing the car back is guaranteed to pay off the �4300, then
it is a brilliant deal!

Mark.

	I have to confess that every time I see one of the new Corsa's I break
out into a smile if not laugh out loud because it looks SO ridiculous.  If it is
any comfort to Corsa drivers, the Micra has the same effect upon me for the same
reason.  No other car has ever had this effect upon me, except the small Mazda
of a year or two ago - the 123 was it(?) - I couldn't believe it when I saw the
one and only one that I have ever seen.  I guffawed for weeks about that one!!!

				Malcolm.

    Hi
    
    The �4300+$2500+(�13.70*24 months) includes road-tax servicing and
    insurance (Group 2 I was told) is not included.  I hope to negotiate
    inclusion of the extra years warranty.
    
    I don't think you can pay more per month... the monthly figure includes
    the interest on the 4300.
    
    The only risk is that a 2-year old Corsa will be worth less than 4300
    and I've done greater than the allowed miles (otherwise if it is worth
    less I just hand it back!).
    
    
    Haven't had time to go back to the garage since, but I'm now using my
    GM card for everything just in case!
    
    
    
    Xtine

    Has anyone claimed yet for the vouchers?  Were there any problems,
    catches involved when claiming?
    
    Julia - just about to put everything on her card so she can get her 
    holiday vouchers to somewhere faraway.
    

    
    Julia, I've not heard of any problems from Company Car drivers. On the
    personal front tho' there have been quite a few complaints made to GM
    about the way the scheme works. It seems the discount to which you're
    entitled is off a 'brand new' factory ordered car... most dealers
    carry a stock of 'delivery mileage only' cars (which they've had to buy
    to get their discounts) and they will sell you one of these cheaper than
    a brand new one with GM/Visa discount, also there's no wait either.
    
    Graham(buying_everything_on_my_GM_card!)
    

    Well done Julia. What did you go for in the end (Corsa ? Tigra ?).
    
    Remember you can also get vouchers for high street shops as well as
    holiday for getting a Vauxhall company car (or have you come out the
    scheme).
    
    Royston (Still collecting points for next year)

    Haven't ordered yet, but will probably be the Astra.
    
    Yes, I knew you could redeem the vouchers against shops, but 
    choosing between B&Q and a holiday was not a difficult choice! 8')
    
    julia

    
    A big telly from Comet will be top of my list !
    
    Graham

    Has anyone actually got the vouchers yet?  The instructions say that
    you have to provide proof that you have just taken on a new GM company
    car - what did they need?
    
    Jc
    

    
    I got mine okay, I rang the Voucher hotline number, who took a few
    details and then sent me a form - I got my manager to sign this (GM
    Card seem to want a Personnel type person to sign, but this would have
    taken ages) and sent it off, my vouchers arrived a few days later.
    
    Then I went to Comet and bought a telly !
    
    Graham

    Thanks Graham - that sounded too simple for Digital :-)
    
    Jc
    

    I did much the same, even had mine signed by someone from HR/car fleet. 
    
    Andrew