Anybody care to comment on these guys? Have seen a wardrobe which is on 
sale for 300 and am thinking of taking 6mths interest free credit on it.

Sale ends tonight.

-- "Pedge"  wrote in message
news:42e50234$0$16691$ed2619ec@ptn-nntp-reader01.plus.net...

> Anybody care to comment on these guys? Have seen a wardrobe which is on
> sale for 300 and am thinking of taking 6mths interest free credit on it.
>
> Sale ends tonight

 crumbs that seems a lot of money for some chipboard.. For that sort of
money you could get yourself a fitted one or a good antique.

"pammyT" <fenlandfowl @talktalk.net> wrote in message 
news:xQbFe.6818$CF.47399@news-1.opaltelecom.net...

>
>
> -- "Pedge"  wrote in message
> news:42e50234$0$16691$ed2619ec@ptn-nntp-reader01.plus.net...
>> Anybody care to comment on these guys? Have seen a wardrobe which is on
>> sale for 300 and am thinking of taking 6mths interest free credit on it.
>>
>> Sale ends tonight
> crumbs that seems a lot of money for some chipboard.. For that sort of
> money you could get yourself a fitted one or a good antique.


How do you know it is not at least pine?  Harvey's are not the classiest of 
stores but it is not exactly MFI.

"steeler"  wrote in message
news:42e57f3c$0$13695$cc9e4d1f@news-text.dial.pipex.com...

>
> "pammyT" <fenlandfowl @talktalk.net> wrote in message
> news:xQbFe.6818$CF.47399@news-1.opaltelecom.net...
> >
> >
> > -- "Pedge"  wrote in message
> > news:42e50234$0$16691$ed2619ec@ptn-nntp-reader01.plus.net...
> >> Anybody care to comment on these guys? Have seen a wardrobe which is on
> >> sale for 300 and am thinking of taking 6mths interest free credit on
it.
> >>
> >> Sale ends tonight
> > crumbs that seems a lot of money for some chipboard.. For that sort of
> > money you could get yourself a fitted one or a good antique.
>
> How do you know it is not at least pine?  Harvey's are not the classiest
of
> stores but it is not exactly MFI.
>
>

 You are correct. I have never shopped in one of those furniture chains and
sort of assumed that all furniture in them would be nasty stuff worth zero
in a matter of 3 years.
Most of my stuff is either 2nd hand or antique.
I just had images of black ash, and melamine stuff.
Real pine isn't too bad but I still don't think I would spend 300 and on
credit too. If the OP is a bit short of money then buying something 2nd hand
for cash might be another option especially as you can always paint old
wooden furniture to make it look more modern and attach new handles.
I guess I'm just an old skinflint but I don't think I would put myself in
debt for a modern bit of furniture to store my clothes in that nobody but me
ever gets to see. It would be down to the nearest charity shop and get
something for 50 or less.

On Tue, 26 Jul 2005 10:02:31 +0100, "pammyT" <fenlandfowl
@talktalk.net> wrote:



>Most of my stuff is either 2nd hand..


So secondhand chipboard is better than new?

;)

sponix

"pammyT" <fenlandfowl   @talktalk.net> wrote in
news:jZmFe.6825$CF.47591@news-1.opaltelecom.net: 


> 
> "steeler"  wrote in message
> news:42e57f3c$0$13695$cc9e4d1f@news-text.dial.pipex.com...
>>
>> "pammyT" <fenlandfowl @talktalk.net> wrote in message
>> news:xQbFe.6818$CF.47399@news-1.opaltelecom.net...
>> >
>> >
>> > -- "Pedge"  wrote in message
>> > news:42e50234$0$16691$ed2619ec@ptn-nntp-reader01.plus.net...
>> >> Anybody care to comment on these guys? Have seen a wardrobe which
>> >> is on sale for 300 and am thinking of taking 6mths interest free
>> >> credit on 
> it.
>> >>
>> >> Sale ends tonight
>> > crumbs that seems a lot of money for some chipboard.. For that sort
>> > of money you could get yourself a fitted one or a good antique.
>>
>> How do you know it is not at least pine?  Harvey's are not the
>> classiest 
> of
>> stores but it is not exactly MFI.
>>
>>
>  You are correct. I have never shopped in one of those furniture
>  chains and 
> sort of assumed that all furniture in them would be nasty stuff worth
> zero in a matter of 3 years.
> Most of my stuff is either 2nd hand or antique.
> I just had images of black ash, and melamine stuff.
> Real pine isn't too bad but I still don't think I would spend 300 and
> on credit too. If the OP is a bit short of money then buying something
> 2nd hand for cash might be another option especially as you can always
> paint old wooden furniture to make it look more modern and attach new
> handles. I guess I'm just an old skinflint but I don't think I would
> put myself in debt for a modern bit of furniture to store my clothes
> in that nobody but me ever gets to see. It would be down to the
> nearest charity shop and get something for 50 or less.
> 
> 
> 


PammyT, not short of cash at all. The item i'm having in mind is a 2 metre 
wide/ 2 metre high wardrobe with 2 sliding mirror doors. Most furniture 
these days is flat packed and made of chipboard especially when it comes to 
kitchens. 

The reason for me taking out the credit and not paying the whole amount is 
that  some of these furniture companies are losing money and could go bust. 
If they do then at least i've only lost 30 instead of 300. I have found a 
trick that they use, it seems if you've paid the whole amount then you've 
got to wait 4-6weeks for delivery, paying on credit will get you a delivery 
within 2 weeks. I found this out yesterday when I called two of their 
stores and then visited a third.

I can't seem to find a wardrobe big enough that is of solid material and 
that's ideal for both. Ikea have some good ideas but it becomes expensive 
when calculating it all. Could go to John Lewis but then it becomes crazy.

"Pedge"  wrote in message 
news:42e60180$0$16705$ed2619ec@ptn-nntp-reader01.plus.net...

> "pammyT" <fenlandfowl   @talktalk.net> wrote in
> news:jZmFe.6825$CF.47591@news-1.opaltelecom.net:
>
>>
>> "steeler"  wrote in message
>> news:42e57f3c$0$13695$cc9e4d1f@news-text.dial.pipex.com...
>>>
>>> "pammyT" <fenlandfowl @talktalk.net> wrote in message
>>> news:xQbFe.6818$CF.47399@news-1.opaltelecom.net...
>>> >
>>> >
>>> > -- "Pedge"  wrote in message
>>> > news:42e50234$0$16691$ed2619ec@ptn-nntp-reader01.plus.net...
>>> >> Anybody care to comment on these guys? Have seen a wardrobe which
>>> >> is on sale for 300 and am thinking of taking 6mths interest free
>>> >> credit on
>> it.
>>> >>
>>> >> Sale ends tonight
>>> > crumbs that seems a lot of money for some chipboard.. For that sort
>>> > of money you could get yourself a fitted one or a good antique.
>>>
>>> How do you know it is not at least pine?  Harvey's are not the
>>> classiest
>> of
>>> stores but it is not exactly MFI.
>>>
>>>
>>  You are correct. I have never shopped in one of those furniture
>>  chains and
>> sort of assumed that all furniture in them would be nasty stuff worth
>> zero in a matter of 3 years.
>> Most of my stuff is either 2nd hand or antique.
>> I just had images of black ash, and melamine stuff.
>> Real pine isn't too bad but I still don't think I would spend 300 and
>> on credit too. If the OP is a bit short of money then buying something
>> 2nd hand for cash might be another option especially as you can always
>> paint old wooden furniture to make it look more modern and attach new
>> handles. I guess I'm just an old skinflint but I don't think I would
>> put myself in debt for a modern bit of furniture to store my clothes
>> in that nobody but me ever gets to see. It would be down to the
>> nearest charity shop and get something for 50 or less.
>>
>>
>>
>
> PammyT, not short of cash at all. The item i'm having in mind is a 2 metre
> wide/ 2 metre high wardrobe with 2 sliding mirror doors. Most furniture
> these days is flat packed and made of chipboard especially when it comes 
> to
> kitchens.
>
> The reason for me taking out the credit and not paying the whole amount is
> that  some of these furniture companies are losing money and could go 
> bust.
> If they do then at least i've only lost 30 instead of 300. I have found 
> a
> trick that they use, it seems if you've paid the whole amount then you've
> got to wait 4-6weeks for delivery, paying on credit will get you a 
> delivery
> within 2 weeks. I found this out yesterday when I called two of their
> stores and then visited a third.
>


Harvey's are very unlikely to go bust.  That said, the money is better off 
in your bank account if you can get 0% credit.

"s--p--o--n--i--x"  wrote in message
news:42e5fcad.5033312@news.individual.net...

> On Tue, 26 Jul 2005 10:02:31 +0100, "pammyT" <fenlandfowl
> @talktalk.net> wrote:
>
>
> >Most of my stuff is either 2nd hand..
>
> So secondhand chipboard is better than new?
>
> ;)
>

 yup cos if you are going to buy rubbish at least buy it cheap ;-)

"Pedge"  wrote in message
news:42e60180$0$16705$ed2619ec@ptn-nntp-reader01.plus.net...

> PammyT, not short of cash at all.

Sorry I just wondered why anyone would get credit unless they could not
afford to buy otherwise.

 >The item i'm having in mind is a 2 metre

> wide/ 2 metre high wardrobe with 2 sliding mirror doors. Most furniture
> these days is flat packed and made of chipboard especially when it comes
to
> kitchens.

 Not most furniture, only most cheap modern stuff. Even cheap mass made
fitted kitchens .
Anyway fitted kitchens are old fashioned now. I think they are characterless
personally but I can see how some ppl like them.

>
> The reason for me taking out the credit and not paying the whole amount is
> that  some of these furniture companies are losing money and could go
>bust.
> If they do then at least i've only lost 30 instead of 300.

eh? You buy the wardrobe on credit and even if the furniture company goes
bust you still have to pay for it. How have you lost money? The credit
agreement isn't usually with the furniture company at all but with a credit
company.


> I have found a
> trick that they use, it seems if you've paid the whole amount then you've
> got to wait 4-6weeks for delivery, paying on credit will get you a
delivery
> within 2 weeks. I found this out yesterday when I called two of their
> stores and then visited a third.

 Blimey, I *am* out of touch. I would expect to go into a shop, decide what
I want, and have the thing delivered within 24 hours. Or I would collect it
myself the same day as I paid.
This pay now, get 6 months later thing is unique to the UK.Why do ppl put up
with it?

>
> I can't seem to find a wardrobe big enough that is of solid material and
> that's ideal for both. Ikea have some good ideas but it becomes >expensive
> when calculating it all. Could go to John Lewis but then it becomes
>crazy.

 You could always either build yourself, or have a handyman build for you, a
fitted wardrobe. I built one myself years ago and it was basically a frame
across one side of the bedroom, and doors. I used ready made MDF doors from
B&Q but you could get any kind of doors from solid pine, to mirror ones etc.
It was very simple to do and I suspect cheap if I had to pay someone to
build the frame and attach it to the wall.

pammyT wrote:

> Sorry I just wondered why anyone would get credit unless they could not
> afford to buy otherwise.


Because if someone's offering you 0% finance it makes sense to take it?

Geoff

"pammyT" <fenlandfowl   @talktalk.net> wrote in
news:aBsFe.6846$CF.47651@news-1.opaltelecom.net: 


> 
> "Pedge"  wrote in message
> news:42e60180$0$16705$ed2619ec@ptn-nntp-reader01.plus.net...
>> PammyT, not short of cash at all.
> Sorry I just wondered why anyone would get credit unless they could
> not afford to buy otherwise.
> 
> >The item i'm having in mind is a 2 metre
>> wide/ 2 metre high wardrobe with 2 sliding mirror doors. Most
>> furniture these days is flat packed and made of chipboard especially
>> when it comes 
> to
>> kitchens.
>  Not most furniture, only most cheap modern stuff. Even cheap mass
>  made 
> fitted kitchens .
> Anyway fitted kitchens are old fashioned now. I think they are
> characterless personally but I can see how some ppl like them.
>>
>> The reason for me taking out the credit and not paying the whole
>> amount is that  some of these furniture companies are losing money
>> and could go 
>>bust.
>> If they do then at least i've only lost 30 instead of 300.
> eh? You buy the wardrobe on credit and even if the furniture company
> goes bust you still have to pay for it. How have you lost money? The
> credit agreement isn't usually with the furniture company at all but
> with a credit company.
> 
>> I have found a
>> trick that they use, it seems if you've paid the whole amount then
>> you've got to wait 4-6weeks for delivery, paying on credit will get
>> you a 
> delivery
>> within 2 weeks. I found this out yesterday when I called two of their
>> stores and then visited a third.
>  Blimey, I *am* out of touch. I would expect to go into a shop, decide
>  what 
> I want, and have the thing delivered within 24 hours. Or I would
> collect it myself the same day as I paid.
> This pay now, get 6 months later thing is unique to the UK.Why do ppl
> put up with it?
>>
>> I can't seem to find a wardrobe big enough that is of solid material
>> and that's ideal for both. Ikea have some good ideas but it becomes
>> >expensive when calculating it all. Could go to John Lewis but then
>> it becomes 
>>crazy.
>  You could always either build yourself, or have a handyman build for
>  you, a 
> fitted wardrobe. I built one myself years ago and it was basically a
> frame across one side of the bedroom, and doors. I used ready made MDF
> doors from B&Q but you could get any kind of doors from solid pine, to
> mirror ones etc. It was very simple to do and I suspect cheap if I had
> to pay someone to build the frame and attach it to the wall.
> 
> 


0% finance for 12mths is the deal. Like Steeler has mentioned i'd rather 
have the cash in my bank and not in their hands. I've seen firms go under  
in the past where people have lost out on their full amounts after making 
a purchase. I'm not saying this will be the case but 12mths interest free 
is an attraction and for those that are strapped it also helps to build 
their credit rating.

I thought of building one myself but i'm in the middle of refurbishing 
the property.

> eh? You buy the wardrobe on credit and even if the furniture 
> company goes bust you still have to pay for it. 


Not if he does not receive the item.


> How have you lost money? 


It's quite simple.

The scenario he is envisioning is that he doesn't receive a wardrobe if 
the company goes bust for some reason.

If that happens, which would you rather have lost ?

a)  £300
b)  £30


HTH


-- 
Lordy.UK

Lordy.UK  wrote in news:MPG.1d50981bfbfba377989915
@news.ntlworld.com:


>> eh? You buy the wardrobe on credit and even if the furniture 
>> company goes bust you still have to pay for it. 
> 
> Not if he does not receive the item.
> 
>> How have you lost money? 
> 
> It's quite simple.
> 
> The scenario he is envisioning is that he doesn't receive a wardrobe if 
> the company goes bust for some reason.
> 
> If that happens, which would you rather have lost ?
> 
> a)  300
> b)  30
> 
> 
> HTH
> 
> 


Spot on!

-- 

"Geoff Winkless"  wrote in message
news:42e65cd6$0$13697$ed9e5944@reading.news.pipex.net...

> pammyT wrote:
> > Sorry I just wondered why anyone would get credit unless they could not
> > afford to buy otherwise.
>
> Because if someone's offering you 0% finance it makes sense to take it?

 Does it? Why?