busterwa said...Myself and the misses went to a reputable furniture shop.
This particular shop was willing to give me 20 months interest free contract but wouldn't allow me to layby it for 8 weeks. Me being a money Nazi would rather save for the 8 weeks and pay cash so we decided just to save.
Upon going back to the store in 8 weeks time i asked the sales rep if i could have a 200 dollar discount for cash..
He politely said "we now use eftpos" its easier for transactions so we don't give discount for cash anymore."
So me and the misses politely waked out of the shop with an envelope containing 3 and a half grand

You need to be a bit more insistant. The problem is that apparently they advertise that the 20 months interest free as no additional cost. So they can't quote you the interest free price then give a discount for cash, as it would then be false advertising. They are also very good at finding excuses not give a discount.
So if you have cash, then at the very least they are saving themsleves 20months of interest, plus default risks etc. That is probably an easy 15%, but I would push for more - I do and often get it. When you walk in, be up front that you have cash (eftpos is considered cash by the way). Say that is how you want to pay and are not interested in any quotes that included interest free.
Work out what you want to pay and tell them that is what you have as a budget and can they do it for that. Play good cop bad cop if you want. ie start low and say that is your absolute maximium because that is all you have - be apologetic but there just is not more. But then if you can't get anywhere, then have your partner find a bit more - you know make the kids go without christmas presents, give up the family holiday....sell the dog....whatever it takes to increase without losing credibility by exceeding your previous max without reason and at the same time giving the sales guys a bit of their own back.
Eventually you will strike a deal - or not, but good way to get a better price and almost always works for me. I have walked out of Hardley Normals and other leading places with some seriously grumpy sales people but some great deals.
BTW I agree with the OP. I do not like talking to sales people unless I have to. No price usually means I shop elsewhere.