The dealer pass-off
The finance office is tucked into the back corner of the showroom. They would probably put it under the stairs if they could. Horrible thing that finance, we can't have it on show. We need to cloister it away as it's dirty and unloved.
At least that's how I feel it is seen. A dealership should have it out in the open with natural light. That shows confidence and clarity, not secret dealings and opacity. Enough of my rant.
I am passed into the office. Ms Finance meets me and we shake hands. In a way, she brightens up the room. English is not her native language so she plays on some of the words but I get the idea it's a tactic to make me feel at ease.
Of course I'm at ease, I don't need finance, don't want finance, and won't be using finance.
Ms Finance takes a seat on the opposite side of the desk. At the end of the desk is the child in Dad's suit; Mr Apprentice Finance? We also shake hands.
I really really really want to suggest he see a tailor, or at least invest in a suit that was paid for whilst he was present. For most of the meeting he will sit mute.
Ms Finance and I start talking and I show Ms Finance my intention. Is that a smile on her face? She asks if I can make my intention bigger. Perhaps not a smile, a smirk? From $1k to $5k. I prefer to leave things at $1k and decline her generous offer.
That's OK, says Ms Finance, but we'd prefer not to have to handle cash. That one point showed me exactly where things stood and how they would proceed. Time to claim back a little bit of the control.
I pocket the cash and ask if their EFTPOS machine does pay wave contactless stuff. It does. I rest my watch on it. Both make a noise. Transaction done.
Ms Finance does a small double take and checks the machine. My turn to smile. Ms Finance is satisfied that everything is above board and then the pixies send me a note to say I just spent up big at "Ford Showroom". My turn to question what is happening. Ms Finance is unsure how I knew of the Ford bit so after an explanation (me doing a show and tell) Ms Finance tells me that this, indeed, was a Ford showroom and none of the payment facilities have been changed over.
That explains the jumbled up look of the place and Mr Apprentice Finance's suit - it is all brand new and they are still fitting it all in, or filling it out as the case may be.
What follows is quite dull. Some explanation about how getting finance for the car would let me spend the cash on other stuff *right now* and then I could have the car *plus* other stuff. Plus debt. I hate debt. Ms Finance shows me a graph with some made up figures and asks me for some figures of my own. So I make some up and we look at them on screen too. Lots of downhill curves there. And sometimes wheels hit sharp downward curves (potholes) so how about some insurance for your wheels and tyres? I listen and take the brochure as that's the fastest way to get to the next bit.
We all shake hands and I am passed off again, this time back out to the light and to the lass that first met me as I walked in.
She asks if I'd like some protection. I consider the intention.
It's only polite to allow her to practice the spiel. It's how she earns a living and I'm not going to kill the practice. A ceramic coating this gear isn't and I'm told that the light interior will easily show marks from my jeans. Fit for purpose? I take the leaflets and promise to let her know of my decision when (if) a car can be supplied.
I wander out past the wagon and smile at the number of people that are stopping to take a closer look.
Dory is warming up when I SMS a screen shot of the Ford receipt to my best mate. He's rabidly Holden. I milked it for all it was worth.
Next, some followup
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