Member Info for hardup

Ouzo

'Might have changed since they banned DCA in 2021."

The cars I purchased from Arnold Clark were in 2018 and 2010.

Ouzo

"Everybody knows that car dealers aren't in the business of selling cars they are in the business of selling finance! They hardly ever want to take cash sale! Try it next time and see them steer you towards finance!"

I bought my last 2 cars from Arnold Clark and paid cash both times with no problems, they were happy with that and did not try and push me into taking finance.

After 112 trading days, buyback complete to date:

Total shares to date......................................................1,292,601,987

Aggregate cost to date.................................................£929,713,870.26

Average price paid to date............................................71.9258p

Percentage of £1.7 billion buyback completed............54.69%

Chid 11:48 today

"Out now, but back for 'told you so's' later"

😎

After 111 trading days, buyback complete to date:

Total shares to date......................................................1,250,780,080

Aggregate cost to date................................................£897,913,161.33

Average price paid to date............................................71.7883p

Percentage of £1.7 billion buyback completed............52.82%

After 110 trading days, buyback complete to date:

Total shares to date.......................................................1,209,188,650

Aggregate cost to date.................................................£865,262,879.94

Average price paid to date............................................71.5573p

Percentage of £1.7 billion buyback completed...........50.9%

After 109 trading days, buyback complete to date:

Total shares to date......................................................1,197,186,958

Aggregate cost to date................................................£855,778,338.81

Average price paid to date...........................................71.4824p

Percentage of £1.7 billion buyback completed..........50.34%

After 108 trading days, buyback complete to date:

Total shares to date......................................................1,185,142,284

Aggregate cost to date................................................£846,269,634.79

Average price paid to date............................................71.4066p

Percentage of £1.7 billion buyback completed............49.78%

STP

Arriba el tuyo, cabrón! 🖕

Awaiting chid's reply 🤣🤣🤣🤣

After arriving in Scotland today Trump talking to the press on immigration, quote......"You'd better get your act together soon or there won't be a Europe"

It's not called CITRA LIVING now. It has been rebranded as Lloyds Living.

https://urbanliving.news/build-to-rent/citra-living-hits-5000-unit-milestone-and-rebrands-to-lloyds-living/

https://www.lloydsliving.co.uk/developments/

"Fraud is one thing !

Position Fraud another .....methinks....."

Rich coming from someone who pledged to pay £30 to the Mr Meercat charity and then refused to pay!

After 107 trading days, buyback complete to date:

Total shares to date.......................................................1,182,996,201

Aggregate cost to date.................................................£844,584,008.92

Average price paid to date.............................................71.3936p

Percentage of £1.7 billion buyback completed............49.68%

"On the other hand, compensation payments would release capital into the economy stimulating spending on goods & services."

That should not even be a consideration ffs!

Guns

"One thing I haven't seen is if Lloyds intend to do a buyback. If not is this a war chest incase the result is not favourable re car finance."

Lloyds will only announce details of any buyback at Final Results, so we have to wait for 2025 Final Results for any details of next buyback.

After 106 trading days, buyback complete to date:

Total shares to date......................................................1,180,088,711

Aggregate cost to date................................................£842,295,212.44

Average price paid to date...........................................71.3756p

Percentage of £1.7 billion buyback completed..........49.55%

Further to my post at 08:42, there was also further referral to car finance commission provision made so far on page 12 of the results announcement........

"A remediation charge of £37 million was recognised by the Group in the first half of 2025 (half-year to 30 June 2024: £95 million), across a small number of rectification programmes. There have been no further charges to the provision relating to motor finance commission arrangements. The Supreme Court heard the appeal of the Wrench, Johnson and Hopcraft decision in early April. The FCA has indicated that the Supreme Court decision will inform its next steps for both the discretionary commission arrangements (DCA) review and non-DCA complaints and that it will provide an update within six weeks of the Supreme Court decision. In establishing the provision of £1.15 billion, the Group has considered a number of scenarios to address uncertainties around a number of key assumptions. These include a range of potential Supreme Court outcomes, regulatory responses including steps that the FCA may take, and outcomes in relation to redress."

Interesting to note there was no further provision in the results for motor finance commission arrangements. On page 11 of the results announcement........

""A remediation charge of £37 million was recognised by the Group in the first half of 2025 (half-year to 30 June 2024: £95 million), across a small number of rectification programmes. There have been no further charges to the provision relating to motor finance commission arrangements."

https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2025/q2/2025-lbg-hy-results.pdf

The Market very often has contrary views to what we do on results day. We will soon find out. GLA