Cyclescheme top up?

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jonno_77
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Cyclescheme top up?

Postby jonno_77 » Fri Jan 17, 2014 23:07 pm

Hi, I got my cycle scheme voucher through for £500 (we have to order them at work in our benefits package about 3 months before they come). I was going to get either Halford's Voodoo Hoodoo or the Carrera Kraken but just realized Halfords do a different scheme so they're out the window.

So I'm having a gander now and can see that people, hands down, recommend the Rockrider 8.1 in this sort of price bracket. It looks like the price has gone up to £550 since bike radar's review. Does anyone know if Decathlon are open to top ups on the certificates as I'm £50 short.

Failing that can people tell me what is a good bike for no more than £500 for the voucher. I intend to use the bike for commuting on rds to replace a 15yr old muddy fox, and to also take it on trails into the peaks/woods but not any real serious off roading.

There is the Rockrider 8.0
http://www.decathlon.co.uk/rockrider-80-mountain-bike-orange-black-id_8206681.html

Or Evans have some bikes on in the sale

Trek4700D for £475 reduced from £675
http://www.evanscycles.com/products/trek/4700-d-2013-mountain-bike-ec042073

Or the Scott Aspect 620 at £499 from £699
http://www.evanscycles.com/products/scott/aspect-620-2013-mountain-bike-ec042354

Or there is a 29er (never ridden one though) Saracen Kili Pro for £425 from £649
http://www.evanscycles.com/products/saracen/kili-pro-2013-mountain-bike-ec043446

Any tips on the certificate top up or failing that, which bike you would take for 500 or less.

Cheers

John

Cookeh
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Re: Cyclescheme top up?

Postby Cookeh » Fri Jan 17, 2014 23:53 pm

Im not especially clued up on the matter at all, but could you not use the voucher and then simply pay Decathlon £50 on top? If neither of these options are feasible then take a look at the Calibre 2.2 - very well reviewed on here and can be had for around £350.

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jfry94
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Re: Cyclescheme top up?

Postby jfry94 » Sat Jan 18, 2014 01:21 am

Are you allowed to top it up. I work for asda and they wouldn't let me top up.
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supersonic
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Re: Cyclescheme top up?

Postby supersonic » Sat Jan 18, 2014 01:31 am

No, as you are hiring the bike not buying it.

Kajjal
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Re: Cyclescheme top up?

Postby Kajjal » Sat Jan 18, 2014 08:54 am

supersonic wrote:No, as you are hiring the bike not buying it.


This is right, otherwise you would co-own the bike with your employee making the tax position impossible.

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passout
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Re: Cyclescheme top up?

Postby passout » Sat Jan 18, 2014 11:13 am

Technically 'no' may be the right answer but there is sometimes a loose interpretation of the rules by retailers - I have topped up over the 1000 pound mark before by 100 quid a couple of times for example, in both cases with well established retailers. It's worth asking them - I've never bought from Decathlon before.

Failing that cancel it and reapply or just speak to the scheme providers and see what they say about ammendment.
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jonno_77
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Re: Cyclescheme top up?

Postby jonno_77 » Sat Jan 18, 2014 14:50 pm

Good news for me, I went in there today and asked them and they said it is fine so i'm now the proud owner of a rockrider 8.1. I just had to pay the extra myself :-)

RockmonkeySC
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Re: Cyclescheme top up?

Postby RockmonkeySC » Sat Jan 18, 2014 16:33 pm

Some independent shops will discount the bike and sell you a VERY expensive inner tube.

tarbot18
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Re: Cyclescheme top up?

Postby tarbot18 » Sun Jan 19, 2014 13:15 pm

supersonic wrote:No, as you are hiring the bike not buying it.


incorrect, this is a hire purchase agreement whereupon you own the bike after a designated time and a final payment.

Ive had 3 bikes off 2 schemes through different retailers including halfords and all have let me pay extra or in one case put through 2 bikes on one scheme .
They are not going to turn away business even if they have to bend the rules a little.
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cooldad
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Re: Cyclescheme top up?

Postby cooldad » Sun Jan 19, 2014 13:20 pm

tarbot18 wrote:
supersonic wrote:No, as you are hiring the bike not buying it.


incorrect, this is a hire purchase agreement whereupon you own the bike after a designated time and a final payment.

Ive had 3 bikes off 2 schemes through different retailers including halfords and all have let me pay extra or in one case put through 2 bikes on one scheme .
They are not going to turn away business even if they have to bend the rules a little.


No, it isn't. The employer owns the bike, allows you to use it, and can, not must, pass ownership to you at the end.
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Kajjal
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Re: Cyclescheme top up?

Postby Kajjal » Sun Jan 19, 2014 16:13 pm

cooldad wrote:
tarbot18 wrote:
supersonic wrote:No, as you are hiring the bike not buying it.


incorrect, this is a hire purchase agreement whereupon you own the bike after a designated time and a final payment.

Ive had 3 bikes off 2 schemes through different retailers including halfords and all have let me pay extra or in one case put through 2 bikes on one scheme .
They are not going to turn away business even if they have to bend the rules a little.


No, it isn't. The employer owns the bike, allows you to use it, and can, not must, pass ownership to you at the end.


That's correct.

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supersonic
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Re: Cyclescheme top up?

Postby supersonic » Sun Jan 19, 2014 18:39 pm

tarbot18 wrote:
supersonic wrote:No, as you are hiring the bike not buying it.


incorrect, this is a hire purchase agreement whereupon you own the bike after a designated time and a final payment.

Ive had 3 bikes off 2 schemes through different retailers including halfords and all have let me pay extra or in one case put through 2 bikes on one scheme .
They are not going to turn away business even if they have to bend the rules a little.


Bending the rules is illegal for tax reasons. The bike can be offered to you at the end of the agreement, or a further agreement outlined, but the bike belongs to the company, not you.


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