just an update -
our new car is arriving within the hour - using Mazda Racing ( a division of Tisco ! ) ( took basically 24 hours )
free 3200 reg , free 40 and 60% window film , quality rubber/cloth mats and 500 baht of fuel .. an alarm system as an extra ( less than 4000 ) not much in the way of free extras . ( other company wanted 7800 for alarm )
there is only 1 credit bureau in Thailand ( as opposed to at least 3 in the UK , experian, equifax etx )
the dealer was able to access Noks offer of finance from another company and offered to match it initially , i got Nok to explain we would use the 1st offer we had if the new dealer couldnt give us something more .. ( i mention this because you may tell the new dealer you were offered say , 2.0 % from another dealer in order to get a good rate , but he CAN check ! )
Tisco came round to our business this morning and asked to look at the accounts .. but couldnt read them as they are all in English .. ( first call came at 7.30 am this morning , i,m guessing because they didnt want us to sign on the 1st deal we had ) when couldnt read the aaccounts , decided not needed

( had about 20+ customers in this morning eating breakfast when they arrived )
age is a factor ( Tisco prefer over 25 years old )
but our deal shows the flexibility finance companies have when assessing an application , and also knowing we were approved from another company as well , they knew they would lose the sale if they didnt meet us part way .
they tried asking for 30% down but we wouldnt budge at 25% ..
they tried asking for a Udon based guarantor .. we said we didnt need with the other company so wouldnt offer one for them either .
Noks tabian bahn is Bangkok .. ( she inherited from her father , land and house ) which was raised by the finance company as a possible issue ( credit not applied for in home province ) but proved not an issue
thats about all the info i have .. hope someone finds it useful
Librarian