Finance rejected and price increased

T

Trollazord

Member
Hi so around 2-3 days ago I applied for finance to buy a pc and it looks really likely that its going to be rejected. I have the money to buy the pc upfront (I would have preferred to pay by finance) so I was going to buy the pc once they reject my application and give me my deposit back. BUT NOW ALL OF A SUDDEN THE PRICE OF THE PC I WAS BUYING HAS SHOT UP BY £100. So I'm wondering, when my deposit comes back, will I have to pay the price I was going to have to initially pay or will I have to pay this new price.
I also kinda wanna know which parts rose in prices to suddenly make the price cost £100 more
The specs were:

Case
CORSAIR 4000D AIRFLOW TEMPERED GLASS GAMING CASE
Processor (CPU)
AMD Ryzen 5 5600X Six Core CPU (3.7GHz-4.6GHz/35MB CACHE/AM4)
Motherboard
ASUS® STRIX B550-F GAMING (DDR4, USB 3.2, 6Gb/s) - ARGB Ready!
Memory (RAM)
16GB Corsair VENGEANCE DDR4 3200MHz (2 x 8GB)
Graphics Card
8GB NVIDIA GEFORCE RTX 3060 Ti - HDMI, DP
1st Storage Drive
2TB SEAGATE BARRACUDA SATA-III 3.5" HDD, 6GB/s, 7200RPM, 256MB CACHE
1st M.2 SSD Drive
256GB PCS PCIe M.2 SSD (1900 MB/R, 1100 MB/W)
Power Supply
CORSAIR 550W TXm SERIES™ SEMI-MODULAR 80 PLUS® GOLD, ULTRA QUIET
Power Cable
1 x 1 Metre UK Power Cable (Kettle Lead)
Processor Cooling
Noctua NH-U14S Ultra Quiet Performance CPU Cooler
Thermal Paste
ARCTIC MX-4 EXTREME THERMAL CONDUCTIVITY COMPOUND
Extra Case Fans
2x 120mm Black Case Fan (configured to extract from rear/roof)
Sound Card
ONBOARD 6 CHANNEL (5.1) HIGH DEF AUDIO (AS STANDARD)
Network Card
10/100/1000 GIGABIT LAN PORT (Wi-Fi NOT INCLUDED)
USB/Thunderbolt Options
MIN. 2 x USB 3.0 & 2 x USB 2.0 PORTS @ BACK PANEL + MIN. 2 FRONT PORTS
Operating System
Windows 10 Home 64 Bit - inc. Single Licence [KK3-00002]
Operating System Language
United Kingdom - English Language
 
Bhuna50

Bhuna50

Author Level
You will have to confirm with PCS but I think they will hold your deposit and ask if you want to pay by a different method so it should still keep your original quote. This is a guess mind not fact.


Sent from my iPhone using Tapatalk
 
T

Trollazord

Member
andjef796 said:
You will have to confirm with PCS but I think they will hold your deposit and ask if you want to pay by a different method so it should still keep your original quote. This is a guess mind not fact.


Sent from my iPhone using Tapatalk
Click to expand...
ok thanks I'll try to do that, I really hope that's the case
 
Martinr36

Martinr36

MOST VALUED CONTRIBUTOR
That's what i would have expected as well as normal quotes are valid for 5 days, but you would need to confirm with PCS
 
T

Trollazord

Member
Nursemorph said:
Prices fluctuate all the time depending on demand and supply. Given the specs, I'd say the likely culprit is either the CPU or GPU...in early December I remember quite a few people noticing a £100 increase overnight...just the way things are at the moment with supply issues with the new tech
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Oh ok that makes sense, I'm just sad about it because the specs were good and my parents wont let me buy it at the new price lol
 
Bhuna50

Bhuna50

Author Level
Trollazord said:
Oh ok that makes sense, I'm just sad about it because the specs were good and my parents wont let me buy it at the new price lol
Click to expand...

Wait to see what PCS say anyway - and whether the finance does get rejected or not - it might take a day or two longer than normal to look at.
 
D

danmit

Bronze Level Poster
Nursemorph said:
I would avoid buying a TxM if possible...they have had issues with that variant this year (my 550w one needed replacing after 8 months, others had to replace them as well) whether it was a manufacturing defect or whatever. The 750RMx would also give you the option of adding a more powerful graphics card down the line if you wanted to
Click to expand...
Whats the issues with the TXm series? I’m currently waiting on my build with 750W TXm series?
 
D

danmit

Bronze Level Poster
Nursemorph said:
Not entirely sure what the issue was....we had a spate in early Summer of ones needing replacing, some from earlier in the year like mine (one day my PC tripped the breaker for my sockets. To be fair, it was mainly limited to the 550w ones and, as far as I know, I haven't seen any 750w ones. I would hope Corsair have fixed them as Corsairs are normally pretty bulletproof...I'm just reluctant to recommend them
Click to expand...
Would imagine they have the issue sorted by now
 
T

Trollazord

Member
Nursemorph said:
Well, hopefully once the finance is rejected (weird thing to say about applying for finance), you will get the option to pay in full at the same price.

Have just had a look at your spec....currently comes to just over £1500 yes? If it comes to it and you can get them to come halfway, this would bring you in at £1450:

Case
CORSAIR 4000D AIRFLOW TEMPERED GLASS GAMING CASE
Processor (CPU)
AMD Ryzen 5 5600X Six Core CPU (3.7GHz-4.6GHz/35MB CACHE/AM4)
Motherboard
ASUS® TUF GAMING B550-PLUS WiFi (DDR4, USB 3.2, 6Gb/s) - ARGB Ready!
Memory (RAM)
16GB Corsair VENGEANCE DDR4 3200MHz (2 x 8GB)
Graphics Card
8GB NVIDIA GEFORCE RTX 3060 Ti - HDMI, DP
1st Storage Drive
1TB SEAGATE BARRACUDA SATA-III 3.5" HDD, 6GB/s, 7200RPM, 64MB CACHE
1st M.2 SSD Drive
512GB PCS PCIe M.2 SSD (2000 MB/R, 1100 MB/W)
Power Supply
CORSAIR 750W RMx SERIES™ MODULAR 80 PLUS® GOLD, ULTRA QUIET
Power Cable
1 x 1 Metre UK Power Cable (Kettle Lead)
Processor Cooling
STANDARD AMD CPU COOLER
Thermal Paste
STANDARD THERMAL PASTE FOR SUFFICIENT COOLING
Sound Card
ONBOARD 6 CHANNEL (5.1) HIGH DEF AUDIO (AS STANDARD)
Network Card
10/100/1000 GIGABIT LAN PORT (Wi-Fi NOT INCLUDED)
USB/Thunderbolt Options
MIN. 2 x USB 3.0 & 2 x USB 2.0 PORTS @ BACK PANEL + MIN. 2 FRONT PORTS
Operating System
Windows 10 Home 64 Bit - inc. Single Licence
Operating System Language
United Kingdom - English Language
Windows Recovery Media
Windows 10 Multi-Language Recovery Image - Unlimited Downloads from Online Account
Office Software
FREE 30 Day Trial of Microsoft 365® (Operating System Required)
Anti-Virus
NO ANTI-VIRUS SOFTWARE
Browser
Microsoft® Edge (Windows 10 Only)
Warranty
3 Year Silver Warranty (1 Year Collect & Return, 1 Year Parts, 3 Year Labour)
Delivery
STANDARD INSURED DELIVERY TO UK MAINLAND (MON-FRI)
Build Time
Standard Build - Approximately 34 to 36 working days
Price: £1,450.00 including VAT and Delivery
Unique URL to re-configure: https://www.pcspecialist.co.uk/saved-configurations/amd-am4-gen3-pc/S3XAcr4SBD/
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oh man ok thanks I think that should be fine, I was kinda stuck on what parts to change. Also thanks for the warning about the power supply I had no idea about that
 
Bhuna50

Bhuna50

Author Level
If you can afford it up front, contact PCS / Hitachi and withdraw the finance application (as a rejection will not then show on your credit record) and say you want to change how you are paying for it.

You might be able to then keep it tied in at the price you had.
 
T

Trollazord

Member
andjef796 said:
If you can afford it up front, contact PCS / Hitachi and withdraw the finance application (as a rejection will not then show on your credit record) and say you want to change how you are paying for it.

You might be able to then keep it tied in at the price you had.
Click to expand...
alright thanks so much idk why I didn't think of that, I'll try doing it tomorrow morning :cool:
 
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