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Old 12-31-2012, 09:09 AM   #151
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Quote:
Originally Posted by mathew85

This is going totally on a tangent to what he is talking about..

Talking up an unrelated issue when you don't have an argument on the point being discussed generally suggests only one thing..
Are you accusing me of not respecting his tinfoil hat argument?

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Old 12-31-2012, 09:10 AM   #152
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Originally Posted by The_Chief

My primary residence is paid-off... I have a loan on an investment property, but I don't need that property, and resulting loan, to live.
So you have a primary residence and an investment property while you are in college?

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Old 12-31-2012, 09:20 AM   #153
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So you have a primary residence and an investment property while you are in college?
You have me confused with someone else... i'm 36 and working
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Old 12-31-2012, 09:22 AM   #154
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Quote:
Originally Posted by watson

So you have a primary residence and an investment property while you are in college?
Financially secure people can't go to college?
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Old 12-31-2012, 09:46 AM   #155
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Quote:
Originally Posted by Collecife
Hello all. I need your advice on this issue.

I purchased a Wrangler Unlimited '13 4 months ago. 101% satisfied with the vehicle. What is not satisfying is the dealer I purchased it from. It was the second time I purchased a car in my life so I guess they took advantage oof it. I need your help and advice. Here's the situation.

1. I purchased an Easy Care extended warranty for $2200. The reason why I did so is that the finance manager said "I WOULD HAVE TO PAY A TWICE HIGHER INTEREST RATE IF I DIDN'T BUY IT" My interest rate was 8.75% which is already high, so I didn't wanna pay over 16%. Now I'm thinking, "what does interest rate have to do with the extended warranty?"

2. The worse thing is that i also purchased a Vehicle Theft Protection from Virginia Surety Company. It covers up to $5000 when your car is stolen. The problem is that I DIDN'T KNOW I PURCHASED IT UNTIL YESTERDAY. The finance manager didn't mention its price which is about $2000. I know me. I will never pay 2k to get 5k back in case it's stolen lol I admit that I wasn't careful enough to look at the contract. There were too many to sign and I was careless.

The finance manager says I can cancel the Easy Care warranty but not Vehicle Theft Protection. I believe that should be cancelled. I will meet with the guy tomorrow and if it doesn't go well I will contact the corporate office. Sick of deceitful people in this industry.
OP,

If you are unhappy with the warranty or theft protection, both if those you can cancel and get your money back. I remember when I bought my FJ they added a life insurance policy on me. I looked at the contract after I sold the FJ and saw the policy and was pissed because they were benefiting from my death. Called Toyota and was told I could still get a refund.

That incident taught me to read everything so when I bought me Jeep Friday and they wanted to sell me a warranty and I initially said No, but since they offered that warranty and a 1.9% rate I figured it was worth it. Lets face it this is a Jeep and they do break down. I also paid for GAP insurance since I rolled over about $8K in negative equity from my VW CC that I only kept for 3 months. The GAP will pay if the Jeep and all the negative equity if I total it. Overall, I'm very satisfied to have walked into dealership and walked out with a JKU with 72 month warranty that covers everything and my payment was lower than the CC and I will own the Jeep as opposed to the lease on the CC.

Moral of the story is read everything and cancel whatever you don't like and get a refund. Doubt u will win if you get a lawyer because you should have read the contract.
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Old 12-31-2012, 11:32 AM   #156
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Originally Posted by watson View Post
Are you accusing me of not respecting his tinfoil hat argument?
No, I'm just pointing out that you're talking oranges when he is talking apples. And if you didn't get that the first time, you're being slow as well..
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Old 12-31-2012, 11:56 AM   #157
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Originally Posted by mathew85

No, I'm just pointing out that you're talking oranges when he is talking apples. And if you didn't get that the first time, you're being slow as well..
I wouldn't accuse anyone being slow if I were you.

You clearly lack basic reasoning skills if you believe we were discussing two different topics.
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Old 12-31-2012, 12:10 PM   #158
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Originally Posted by watson View Post
I wouldn't accuse anyone being slow if I were you.

You clearly lack basic reasoning skills if you believe we were discussing two different topics.
You're talking about loans that enable people to buy houses / vehicles that they otherwise could not afford. => Oranges.

He's talking about taking a loan when you have the money sitting in the bank, just because that's the latest fad going around => Apples.

Over and out, you can keep bickering..
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Old 12-31-2012, 12:10 PM   #159
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Quote:
Originally Posted by watson

I wouldn't accuse anyone being slow if I were you.

You clearly lack basic reasoning skills if you believe we were discussing two different topics.
I understand you Watson, but there are some slow people around here. I saw another post where a member had to have everyone on the forum explain why changing his 4:10 gears to 3:21 was a bad idea.
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Old 12-31-2012, 02:13 PM   #160
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My apologies to the OP that this thread has been so hijacked.
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Old 12-31-2012, 06:30 PM   #161
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My apologies to the OP that this thread has been so hijacked.
Your apologies to the OP are about as useful as telling a dead celeb. to r.i.p. on FB...
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Old 12-31-2012, 07:05 PM   #162
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I think it's time to tell this thread to RIP...
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Old 12-31-2012, 07:11 PM   #163
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I think it's time to tell this thread to RIP...
I agree...unsubscribed...
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Old 01-01-2013, 02:54 PM   #164
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Thanks for all the comments, even the ones that are not directly related to my issue. Learning a lot. Here's the updated situation.

1. Extended Warranty: will be cancelled and prorated. I'm ok with it, cuz I should've been more careful and had more information. Still mad at his "IF U DONT BUY IT YOUR APR WILL BE DOUBLE" comment, but ok

2. Theft Protection: this is the problem. The finance guy said they can't cancel it because "it's already applied to the payment" and on the back of the contract it is stated "This contract is non-cancelable by you" I've never heard of any insurance policy that is non-cancelable. But anyways, I belive this should be cancelled because 1) the finance manager never mentioned its price NEVER 2) they just made me sign the contract (on the contract there is no price information) and put it on the bill 3) my only fault is that I didn't carefully read the bill.

Please help me out by advising what to do with the theft protection. it is a real theft ironically lol
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Old 01-01-2013, 03:09 PM   #165
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Call your State Insurance Regulatory agency.

Since the price of the "Theft protection" product has already been integrated into the price and that price was then finance and those funds were then distributed...they cant reverse the price without re-working all of that to get your monthly payment down by 5 or 6 dollars. They can, however, write you a check for the amount of the "theft Protection" or they can issue you certificates or credits towards future oil changes, etc.

In short...if they want to help you...they will always find a way, even bend the rules to help you.

If they dont want to help you, they have an endless assortment of tools and tactics to make sure they dont have to do S--T.

The challenge...is finding a way of maneuvering them into wanting to help you get what YOU want/need.

Probably too late for that, now.

But its a good thing to keep in mind when seeking any sort of customer service resolution from any business. They'll help if THEY want to.
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Old 01-01-2013, 05:08 PM   #166
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Originally Posted by mathew85 View Post
Weird as it is, that's how the credit score computation seems to work.

I was reading into things that improve credit scores and things that make it worse, and all I could say was WTF.

The system rewards borrowers and penalizes the savers.. And is eminently susceptible to gaming..
As with anything, what you read is open to interpretation. Although it may SEEM that the system rewards borrowers, what it actually does is reward RESPONSIBLE borrowers.

Some have said that they prefer to pay cash because they calculated that the interest saved is greater than the interest earned if they held on to the cash (again, cash meaning liquid assets). This is actually a sign of poor investing, and probably a low credit score...

I recently bought a vehicle at 0% interest, and another at 1.8% interest. Explain to me how it would have been better to pay cash for either of these vehicles? I can keep my money in my credit union and earn better interest than I could have saved. OR I could invest the money elsewhere and do considerably better...

A very long time ago I walked in to a car dealership with a brown paper bag full of cash. I did that because I was young, did not have good credit and I saved ALOT of money by not financing the vehicle. SO, it depends on the individual and the actual situation.

Personally, I will stick with my credit cards and pay them off each month (unless offered an interest free period) and hold on to my gold (which I bought at about $800 per ounce) and money in the bank.

Now what were we talking about again?
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Old 01-01-2013, 07:03 PM   #167
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I don't know if this applies to your situation, but when I bought a tractor a few years ago John Deere was offering 0% for 36 months. It seemed like a good deal, however the price on the tractor was significantly lower if I just paid cash. So to me it wasn't truly 0% financing. Your transaction may have differed.
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Old 01-02-2013, 01:19 PM   #168
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To the OP. A close friend of mine is the finance manager at a local dealership and he tells me that it is the finance guys job to jack up the profit. Regardless of the agreed sales price, his job is to get the customer to buy any extra protection, coverage, etc that he can as that is all profit for the dealership and subsequently, bonus/commission for him.

When I was going to the Jeep dealer he called the sales guy and the finance manager ahead of time to let them know that I was not to be "whacked" as they put it. The finance guy immediately drew a straight line through all the extra coverages and had me initial them as declined. My bank pre-approved me at 3.49% for 48 months, he got the rate down to 2.12% for 48 months and kept the loan at my bank.
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Old 01-10-2013, 03:09 AM   #169
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Get this shit!! So I get a call from the dealership where I purchased the Jeep and the manager says, "Hey, we have a problem with your trade-in. It was appraised for a buyout of X, but now it is $1100 higher".

So I say, "so what are you asking from me"?

He says, "is there so sort of agreement we can come up with for you to pay for some of that?"

I said, "are you really asking me to pay for your mistake? We have already made the transaction and paperwork has been signed."

He said, "you're right we will just eat the money. Enjoy your new car and thank u for buying with us at Love Field Jeep."

I have already lifted this vehicle and about to put on a bumper and now they try to change the contract. I've had the vehicle for 12 days. I'm just pissed they haven't paid off my other vehicle and now I will have to check everyday to see when that happens. Went from an easy buying experience to them losing a customer. I will be calling the finance company to see why this douche would be trying to pull that crap on me.

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