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Old 22nd June 2009, 14:03   #676
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congrats Harish,

Toyota altis is a very good car. mainly the after sales service is too good.
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Old 22nd June 2009, 15:13   #677
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rajeevn, that is a wonderful story: congratulations, and how I wish that ordinary folk could get away with putting these people in their place, as you did

As an aside, the Fabia is off my list of desirable cars anyway. I was driven, as a back-seat passenger, in one, for a two-way 30/40-minute trip during my UK visit. The road noise is ridiculous! Premium hatchback? Nope: I'm just glad to be back to my Swift, which is quiter on Indian roads! I hope the VW Polo will be better than this.
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Old 22nd June 2009, 15:41   #678
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I hope the VW Polo will be better than this.
What about the Grande Punto? GTO reviewed it a few days back.
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Old 22nd June 2009, 15:57   #679
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Originally Posted by GTO View Post
Harish bought a new car . He'd called asking me which car would give him a "trouble free" ownership experience. I recommended him one that's at the other end of the spectrum (of his Octavia + Skoda experience).

@ Harish : Do open up a thread announcing the new baby.
Great Advice GTO, i just congratulated Harish for wisely choosing a corolla. "Trouble Free", I think these two words sum up the Corolla like no other. And no wonder this car has sold by the millions. A Toyota anyday!
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Old 22nd June 2009, 20:15   #680
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I feel for Harish. Not as much for all the trouble he has gone though but becuase even today he continues to pay EMIs on a car he cannot drive.
I was just wondering what if he stop paying EMI ? What the bank can do ?
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Old 22nd June 2009, 21:33   #681
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Can someone please post a summary of what has happened? I read the first few pages and then skipped to the end.
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Old 22nd June 2009, 22:57   #682
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I was just wondering what if he stop paying EMI ? What the bank can do ?
That will send his credit scores for a toss. And as per loan agreements bank can use lien on deposits (savings and fixed) to recover money.
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Old 22nd June 2009, 23:19   #683
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Since Harish has a new car, I am assuming that he was comfortable with the 21k EMI.
Imagine something like this happening to someone whose net-income is say 60-65k.
We should all keep in mind that as long as manufacturers like Skoda exist, such unfortunate incidents can happen to any of us.This can probably help us gauge how much we can pay as EMIs. ie Since the Skodas of this world are capable of impounding the car that they themselves sold, we should only get into EMI amounts that doesn't hurt us. Thus, making sure that in case of an emergency we can pay EMIs for another car.

Last edited by e1t1bet : 22nd June 2009 at 23:23.
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Old 23rd June 2009, 07:39   #684
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Originally Posted by HotChillyPepper View Post
I was just wondering what if he stop paying EMI ? What the bank can do ?
Good question - may be they will seize and discover the dirty game Skoda has been playing?

Oh Skoda, this behavior of yours will take decades to forget.

Cheers,
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Old 23rd June 2009, 10:22   #685
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Originally Posted by harishv View Post
Bingo.

Harish, congrats on buying the beauty from the best car manufacturers, the ones who care about consumers, whose products outlast others and are little cheaper to maintain.

Look forward to ownership thread of your car, is it an AT ?
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Old 23rd June 2009, 10:45   #686
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Look forward to ownership thread of your car, is it an AT ?
He has already started the thread in the Test drives and Initial ownership reports section, and posted there that the car has a manual transmission
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Old 23rd June 2009, 10:49   #687
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Quote:
Originally Posted by e1t1bet View Post
Since Harish has a new car, I am assuming that he was comfortable with the 21k EMI.
Imagine something like this happening to someone whose net-income is say 60-65k.
We should all keep in mind that as long as manufacturers like Skoda exist, such unfortunate incidents can happen to any of us.This can probably help us gauge how much we can pay as EMIs. ie Since the Skodas of this world are capable of impounding the car that they themselves sold, we should only get into EMI amounts that doesn't hurt us. Thus, making sure that in case of an emergency we can pay EMIs for another car.

That is very true. My father used to tell me that we should never buy a car that is worth more than 10% of one's nett asset value. He used to drive an Ambassador for 25 years and stopped driving when his health declined. It is very important that we realize that car is not an investment but an expense. ( Not too different from a soap or a shampoo ). So we need to make sure that we don't get carried away, as much as we love cars.
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Old 23rd June 2009, 10:53   #688
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That will send his credit scores for a toss.
Thats right. Besides, the bank has nothing to do with this issue. Why should they lose the legitimate right to their money?
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Old 23rd June 2009, 11:13   #689
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Originally Posted by HotChillyPepper View Post
I was just wondering what if he stop paying EMI ? What the bank can do ?
Apart from destroying his credit rating, the bank need not satisfy itself with taking possession and selling off the car. It can go after him for the balance of the amount due, and seize other assets (through Court of course).
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Old 23rd June 2009, 11:32   #690
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Originally Posted by harishv View Post
Thats right. Besides, the bank has nothing to do with this issue. Why should they lose the legitimate right to their money?
If only Skoda thinks as fairly as you have, you wouldn't be in this situation.
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