How hard do you find it seeing rich owners unwilling to pay?

RE: How hard do you find it seeing rich owners unwilling to pay?

Dinu Catilina — Fri, 20 Dec 2024 09:49:26 GMT

The only bike worth talking about is the one with an egine under it.

RE: How hard do you find it seeing rich owners unwilling to pay?

David Mills — Thu, 19 Dec 2024 01:24:22 GMT

[quote userid="2131" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246250#246250"]least this thread hasn't wandered into bicycling yet[/quote]

Not until the 25th - then you can send us all a picture of your new Chopper whilst you wheel down the 20mph hills...

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Wed, 18 Dec 2024 10:05:12 GMT

[quote userid="2131" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246250#246250"]At least this thread hasn't wandered into bicycling yet.[/quote]

Cycling, or specifically bicycling?

I ask because I know several folk who ride long distance on tricycles, and I wouldn't want them to feel excluded

RE: How hard do you find it seeing rich owners unwilling to pay?

Alasdair Hotston Moore — Wed, 18 Dec 2024 09:41:21 GMT

[quote userid="2131" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246250#246250"]At least this thread hasn't wandered into bicycling yet[/quote]

Only steel is real lol

RE: How hard do you find it seeing rich owners unwilling to pay?

Evelyn Barbour-Hill — Tue, 17 Dec 2024 15:08:34 GMT

At least this thread hasn't wandered into bicycling yet.

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Wed, 11 Dec 2024 09:19:13 GMT

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246204#246204"] I've been a bit put off about reliability of Audis though, but then wonder if thy are skewed by people pootling around town in them never warming them up rather than motorway miles. [/quote]

Don't get that at all.

My Audi A3 has been the most reliable car I have ever owned by far. Had from new in 2011, first 10 years totally trouble free, never even needed to replace a light bulb. Had to spend a bit in the last 3 years, but would expect that in a car >10 years old and now 152k miles. still never need to top up oil, and still has original break discs. still drives as new. Fantastic car.

An Audi trained mechanic friend tells me that the pre 2012 cars are better made and more reliable, and not to touch the newer hybrid and electric ones.

Being diesel, mine thrives on longer journeys and motorway driving, and being driven hard.

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246204#246204"]Apparently he's also got eyes on the new Jaguars coming out in a year or so...very him.[/quote]

Wouldn't touch them either. I went to a talk given by a technical guy from JLR pre covid. He said the technology with their electric cars isn't there yet, and to give it 10 years. From the Horses' mouth as it were.

RE: How hard do you find it seeing rich owners unwilling to pay?

David Mills — Wed, 11 Dec 2024 00:00:18 GMT

[quote userid="14693" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246205#246205"]I drive a Dacia[/quote]

My condolences

RE: How hard do you find it seeing rich owners unwilling to pay?

Lesley Strong — Tue, 10 Dec 2024 15:42:41 GMT

Come a bit late to this but what is more upsetting than well off people not wanting to fork out is the ones who wont pay anything to sort a fixable animal but happy to lay out hundreds on a fancy casket/private crem

And the ones presenting their blind terminally ureamic dog and refuse PTS as they "want him to die naturally" or the semi mumified cat that has been dying and suffering for days/weeks then asking why we cant sort him and get arsey when you say PTS is the only option

I drive a Dacia cheap and cheerful!

RE: How hard do you find it seeing rich owners unwilling to pay?

David Mills — Tue, 10 Dec 2024 13:20:45 GMT

[quote userid="5012" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246200#246200"]Get away, b***** off, you can not be serious? [/quote]

[quote userid="5012" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246200#246200"]Now sold on Audi, great cars. VW arn't too bad I suppose. [/quote]

Interesting - I'm thinking of an Audi estate next year as the VW is coming towards the end of its natural life (and we now have 4 dogs which whilst they love the convertible it's not the most spacious) - I've been a bit put off about reliability of Audis though, but then wonder if thy are skewed by people pootling around town in them never warming them up rather than motorway miles.

[quote userid="3169" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246202#246202"]They break then I fix them.[/quote]

See I quite like a car fix - but not everyone can. I've saved 1000s over the years. I suspect it goes hand in hand with being surgical (plus I have to admit some arrogance of if I can pass a vet degree I can fix a car - though this does NOT apply to plastering as I have discovered lately).

[quote userid="9239" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246203#246203"]Wow, Michael, I never thought you're the kind who throws money away. [/quote]

Apparently he's also got eyes on the new Jaguars coming out in a year or so...very him.

RE: How hard do you find it seeing rich owners unwilling to pay?

Dinu Catilina — Tue, 10 Dec 2024 12:00:38 GMT

[quote userid="5012" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246193#246193"]I don't know, it could be. I was nicknamed Spock when I was at school - must be the ears I guess[/quote]

Strange, I thought you graduated before the first Star Trek came out

[quote userid="3169" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246202#246202"]Yes, I buy Landrovers.[/quote]

Wow, Michael, I never thought you're the kind who throws money away.

RE: How hard do you find it seeing rich owners unwilling to pay?

Michael Woodhouse — Mon, 09 Dec 2024 22:58:14 GMT

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246198#246198"]Part of the issue with second hand is that it is a risk - I can't think of anyone who has bought >1 second hand that hasn't been burnt by the experience. Sometimes you get lucky - sometimes not.[/quote]

Yes, I buy Landrovers. They break then I fix them. I've amassed quite the workshop and have shelves full of spares. Try not to let a garage touch them other than MOT or wheel alignment.

(Had a problem I couldn't fix, sent to main dealer, 3 months later towed car back in the same state......)

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Mon, 09 Dec 2024 20:40:25 GMT

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246198#246198"]I always had you down as a Volvo driver, not sure why[/quote]

Get away, b***** off, you can not be serious? Peugeot boy for 30 years, before their build quality declined to the point they were heaps of dung. The old 205 diesel (Never owned a petrol car in 42 years) pugs were great. Now sold on Audi, great cars. VW arn't too bad I suppose.

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246198#246198"]There are people who can't afford a car upfront and don't have the ability to save for one so leasing or HP are a reasonable option[/quote]

Of course. I was just trying to make the point that people seem to live well beyond their means wrt to cars. They will go heavily in to debt to buy an expensive car when a cheap and simple run around would do the job and get from A to B.

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246198#246198"]Sometimes you get lucky - sometimes not.[/quote]

Can be the same with new cars too. I bought a new Peugeot 207 in 2007; piece of junk and spent more time in the garage than on the road, expensive repairs were needed, and consumable parts were wearing out, well within it's 3 years warranty which isn't worth the paper its printed on anyway.

[quote userid="8991" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246198#246198"]With leasing or HP you do get a motor that should be reliable, and if it isn't you can ditch it and get another. [/quote]

Can be expensive, so read the small print, particularly wrt to mileage limitations. My partner bought/gained/used an new Audi Q3 on a lease deal. Initial monthly payments are attractively low to be able to drive a new £40k car, but it catches up with you down the line. Never own it, and after 5 years you can return it and walk away with sweet FA, or you can buy it off them at a premium price. Overall and overtime an expensive way to own/use a car. No such thing as a free lunch. It would have been better financially to have borrowed the money and bought it outright.

RE: How hard do you find it seeing rich owners unwilling to pay?

David Mills — Mon, 09 Dec 2024 10:40:42 GMT

[quote userid="5012" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246196#246196"]Currently drive an Audi A3 I bought new in 2011[/quote]

I always had you down as a Volvo driver, not sure why

There are people who can't afford a car upfront and don't have the ability to save for one so leasing or HP are a reasonable option; in a similar way, as people say, about mortgages or even vet clinic equipment. Part of the issue with second hand is that it is a risk - I can't think of anyone who has bought >1 second hand that hasn't been burnt by the experience. Sometimes you get lucky - sometimes not. My current 16yo VW has done 170k (50k with me) and has been solid, car before (Vauxhall) was scrapped after 2y as it was a piece of crap. With leasing or HP you do get a motor that should be reliable, and if it isn't you can ditch it and get another.

Of course there are those who will overspend on cars, but that's just life when there is easy/cheap credit around.

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Sun, 08 Dec 2024 12:19:59 GMT

[quote userid="8958" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246195#246195"]An example recently was a chap who owned a £3 chateau and drove to his golf club in a second hand Peugeot that he had bought fom his mother.[/quote]

I bought an old Peugeot 205 diesel from a family member for a few £100 when I started at university. saw me through uni and 2 years afterwards, before selling it to another family member. Great car.

[quote userid="8958" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246195#246195"]In regards a car, buy a second hand car, then save and work up. I've never bought a new car, so I guess my thoughts are with the minority in the UK.[/quote]

I've bought 3 new cars over 26 years, but pay outright for them and keep them a long time (except a Peugeot 207 that I got rid of after 4 years because it was a pile of sh1te) running them until they can run no more. Currently drive an Audi A3 I bought new in 2011 - really good deal at the time, better than any on a second hand car, 12.5% discount for a cash payment, and maximum book price for a trade in. In addition, because it is a low CO2 emmision car I could offset the whole value againts tax in the first year. Buying new was a no brainer in this case.

[quote userid="8958" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246195#246195"]but the value in saving up for something seems to have gone these days.[/quote]

Very true.

[quote userid="8958" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246195#246195"]finance obligations to the tune of $850/month, car/phone[/quote]

Again, I'm at a loss as to why folk go in to debt to buy a telephone on a credit plan that is well in excess of £1000. I've got a £200 Samsung thing and it does all I want including accessing emails, the internet, reading documents, camera - oh and you can even make a telephone call with it.

If one wants one, great, but why anyone would borrow money to get one, I just cannot understand.

RE: How hard do you find it seeing rich owners unwilling to pay?

Neil Wheadon — Sun, 08 Dec 2024 12:05:47 GMT

[quote userid="9239" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246191#246191"]For some it's generation after generation of living from today until tomorrow and having a fancy car is their life's dream.[/quote]

It's a very English thing to do. In France folks are happy with anything. An example recently was a chap who owned a £3 chateau and drove to his golf club in a second hand Peugeot that he had bought fom his mother. Panning around the place, most were a similar vintage.

I spoke to an American father a few years ago who has totted up his sons finance obligations to the tune of $850/month, car/phone etc. Maybe as Arlo said this forum is inhabited by a certain type, but the value in saving up for something seems to have gone these days. In regards a car, buy a second hand car, then save and work up. I've never bought a new car, so I guess my thoughts are with the minority in the UK.

Neil

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Sun, 08 Dec 2024 10:11:39 GMT

[quote userid="9239" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246191#246191"]Earth is not Vulcan[/quote]

I don't know, it could be. I was nicknamed Spock when I was at school - must be the ears I guess

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Sun, 08 Dec 2024 10:07:59 GMT

[quote userid="8338" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246190#246190"]

I think this conversation reveals a fair amount of privilege… Borrowing money to buy a car doesn’t necessarily mean you want to drive a fancy car, it means you need a car immediately (to work, to earn money to live) and you don’t have a few thousand in the bank to buy a car outright. How do you save up to buy the car if you can’t get to work?

I can well understand why some vets have difficulty understanding clients’ financial limitations if some of us can’t comprehend why someone would need to buy a car on finance

[/quote]

Sorry, I probably didn't word my post very well, and I take your point.

I was really referring to folk who buy unnecessarily lavish and expensive cars (or any other items), as a luxury and beyond that of need, on finance. Of course most of us need a car to get to and from work etc, and I am lucky in that I have never had to obtain finance credit to buy one. For years, I only ever bought older car as I tend to do most repairs myself, so again lucky that I am able too I guess.

I'm certainly not privileged, maybe lucky at time, and come from a working class fairly poor background, my Mother was an NHS nurse, and my father drove a milk tanker. I am careful/cautious/tight arsed with money which I work hard for.

RE: How hard do you find it seeing rich owners unwilling to pay?

Dinu Catilina — Sat, 07 Dec 2024 23:31:40 GMT

I'm with Stephanie on this but I wouldn't go as far as to call it privilege. Maybe luck is more appropriate in my opinion and not everyone was lucky enough to have enough money to manage. For some it's generation after generation of living from today until tomorrow and having a fancy car is their life's dream. Of course it is irrational but hey, Earth is not Vulcan.

RE: How hard do you find it seeing rich owners unwilling to pay?

Stephanie Wellings — Sat, 07 Dec 2024 21:34:41 GMT

I can well understand why some vets have difficulty understanding clients’ financial limitations if some of us can’t comprehend why someone would need to buy a car on finance

RE: How hard do you find it seeing rich owners unwilling to pay?

Clive Ansell — Sat, 07 Dec 2024 21:03:09 GMT

[quote userid="4181" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246170#246170"]

Chris Milligan said:
Maybe the way I was raised, but sorry if you're buying your car 95% on finance you probably can't afford it and shouldn't have it. I appreciate it's "their money" (debatable with some of these landowners but that's another discussion), but reckless debt driven purchases you can't afford affect the markets for literally everybody else

Surely it's a case of having the income to service the finance but not the capital floating around to buy outright.
Would you extend your thinking to buying a house?

[/quote]

I with Chris, I too was brought up to think that if you want something, you save your pennies and then you go out and buy it. The buy now pay later, extreme materialism and consumerism culture seemed to originate in the 80's as a direct consequence of Thatcherism - folk buying things they can't afford, with money they haven't got. I've even seen idiots buying £4000 puppies on credit.

[quote userid="4181" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246170#246170"]Surely it's a case of having the income to service the finance but not the capital floating around to buy outright.[/quote]

The problem there is what happens when the teat runs dry, and income stream stops or reduces, or other financial commitments rise, and one can no longer pay for the finance; unemployment, illness, other unexpected financial burdens etc. We live in an age of insecure employment and rising costs, even within out own profession

On the other hand if we save our money before buying a non essential item, and buy it outright, it's a done deal, its ours to keep, end of.

[quote userid="4181" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246170#246170"]Would you extend your thinking to buying a house?[/quote]

There is a fundemental difference. Having a home and somewhere to live is a necessity, unlike owning a fancy car or a £5000 settee, which are luxury non essential life style choice items which we could save up for.

A mortgage is the only time I have every borrowed money, all other items I own, including all cars and motorcycles, I have paid for outright.

I've recently renewed my mortgage for a better deal, and even with that they were trying to lend me more money than I actually need on the back of the value of the property. They were even suggesting I could take the loot and buy a nice car or a holiday of a lifetime. It was as if they were actually trying to encourage reckless borrowing and spending. I declined it.

RE: How hard do you find it seeing rich owners unwilling to pay?

Rob Loxley — Thu, 05 Dec 2024 10:40:34 GMT

[quote userid="9179" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246141#246141"]Maybe the way I was raised, but sorry if you're buying your car 95% on finance you probably can't afford it and shouldn't have it. I appreciate it's "their money" (debatable with some of these landowners but that's another discussion), but reckless debt driven purchases you can't afford affect the markets for literally everybody else[/quote]

Surely it's a case of having the income to service the finance but not the capital floating around to buy outright.
Would you extend your thinking to buying a house?

RE: How hard do you find it seeing rich owners unwilling to pay?

Chris Milligan — Tue, 03 Dec 2024 17:24:21 GMT

[quote userid="8958" url="~/f/non-clinical-questions/31088/how-hard-do-you-find-it-seeing-rich-owners-unwilling-to-pay/246072#246072"]

Never judge, simple as that

95% of cars are bought on finance. It doesn’t mean they have the money, just the wish to drive a newer car for £400 added to their other debts.

[/quote]

these two statements are highly contradictory for me. Maybe the way I was raised, but sorry if you're buying your car 95% on finance you probably can't afford it and shouldn't have it. I appreciate it's "their money" (debatable with some of these landowners but that's another discussion), but reckless debt driven purchases you can't afford affect the markets for literally everybody else

RE: How hard do you find it seeing rich owners unwilling to pay?

Olivia Cook — Tue, 26 Nov 2024 11:48:36 GMT

It's one of the reasons I'm grateful to work in canine sports medicine, where the bills for career ending injuries are picked up jointly by the stadium promotors and the Greyhound Board of Great Britain and the only thing I have to fret about is how to get the dog to a colleague who can work within the financial constraints (generally the budget is up to £4000 for surgical repair of a complicated fracture and I am on personal grovelling terms with every colleague in 100 miles who can produce me a miracle for that price - some of them are on this forum and they know who they are). Yarmouth (my primary track) recently paid a bill of £6k without quibbling for the referral of a complicated long bone fracture which our local orthopod wasn't happy to proceed with - East of England referrals did a great job. But I'm aware I'm lucky, and a colleague facing a pet owner with a dog with the same injury and no insurance, the conversation would have been a very different one, and pragmatism would have had to be front and centre.

RE: How hard do you find it seeing rich owners unwilling to pay?

Judith Joyce — Mon, 25 Nov 2024 17:32:28 GMT

Your point about value is interesting. Is there a tendency for vets to get defensive when their advice is challenged in any way? If there is less trust between vets and pet owners value is harder to determine.

That's what we found with travellers and similar forthright folk - bit of banter, both sides knew where they stood.

RE: How hard do you find it seeing rich owners unwilling to pay?

David Mills — Mon, 25 Nov 2024 12:50:37 GMT

It's interesting that vets who have been qualified a fair few years appear not to get too stressed by these things.

My brother (millionaire) is probably the most cost conscious person I know so it isn't always people trying to reduce their bill but sometimes I think people want to know what they're paying for (value).

In my charity days (last job right next to a large traveller site) I actually quite enjoyed seeing the travellers as you could be very straight with them about paying up front - cue a large roll of 20s from the pocket - and there was no awkwardness on either side once they understood there was no play without pay. But yes they used to try it on.

Many I think fall into the won't pay rather than can't - the latter are normally quite upfront / upset by not being able to pay.