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I will be doing some insurance shopping when my house claim is all done (same company).
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1980 300TD-China Blue/Blue MBTex-2nd Owner, 107K (Alt Blau) OBK #15 '06 Chevy Tahoe Z71 (for the wife & 4 kids, current mule) '03 Honda Odyssey (son #1's ride, reluctantly) '99 GMC Suburban (255K+ miles, semi-retired mule) 21' SeaRay Seville (summer escape pod) |
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
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So these people are taking advantage of some poor people. Poor people who also lie on their applications. This is like someone complaining to me that his wife took him to the cleaners after she caught him boinking the babysitter. I'm sorry, crook grousing about crook?
This is no different from payday loans. Most of the people are one payment away from a default. Sorry the rates are so high but you people are crooks and are hence treated as such. Move out of the glass house if you want to throw stones.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
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This is no different than payday lenders and check cashing places. Poor people operate differently, don't try to rationalize it, it works for them.
I remember not to long ago reading a study about who still uses checks. Not surprisingly those with incomes over $150k regardless of age 100% use checks every single month. Different worlds, different ways of moving around money.
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1999 SL500 1969 280SE 2023 Ram 1500 2007 Tiara 3200 |
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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ... 1995 E 420, 170k "The Red Plum" (sold) 2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp 1967 Mercury Cougar, 49k 2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold) |
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
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Fill 'er up!
My pet project to become a multi-billionaire is to invent an automobile that is powered by "STUPID".
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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ... 1995 E 420, 170k "The Red Plum" (sold) 2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp 1967 Mercury Cougar, 49k 2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold) |
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Wha ???
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Way of the times. So much per month is all that matters to so many.
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Have I used payday loans when starting out? Sure. That or starve or have the lights turned out, etc, etc. I used them, roll over the loan once and paid down the principal and then paid it off the next time. Done. Cost me more than a NSF from the bank? Nope. Less.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
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This is true in the state of Ohio, where my father has been a car dealer for many years, your state may vary, but here is a case of "inflated prices" that are justifiable.
In the state of Ohio it is technically illegal to adjust the price when a customer requests special financing, (i.e. buy here pay here, or high risk lenders), it is considered a form of discimination. When dealers send high risk deals to lenders, the lenders often charge fees of $500 or $1000 to buy the deal. These fees do not count towards the principle, and they come out of the dealers bottom line on the deal, it is illegal to tack that $500-$1000 onto the price of the car once you pull the customers credit report and find a lender who will buy the deal. SO, cars that dealers anticipate will go Buy-Here-Pay-Here / A high-risk lender, they will price with those added fees and costs in mind. If you see an early 2000s Taurus for $5,995, whip out $3,500 in CASH and watch the asking price tumble, or a strong credit score where there will be no special finance fees. When you see dealers advertise two prices, CASH PRICE and the normal price, technically that is not legal in Ohio. If the dealer has to pay $1,000 on a $4,000 car to get you bought, I really don't think thats slimey under-handed bottomfeeding as some have characterized it. It's the customers poor credit that necissitated that fee, the dealer should not have to eat that. That is not to say there are not dirty car dealers who take advantage of people, but those are a couple facts from the dealers perspective to think about. As for the "time shut off" on the cars, I thought that was illegal, some ex-football player turned dealer was doing that, until it shut a car down in traffic and the driver was killed. Tyler can probably shed light on the laws and practices in his state.
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68 280SL - 70 280SL - 70 300SEL 3.5 - 72 350SL - 72 280SEL 4.5 - 72 220 - 72 220D - 73 450SL - 84 230GE - 87 200TD - 90 190E 2.0 - 03 G500 Nissan GTR - Nissan Skyline GTS25T - Toyota GTFour - Rover Mini - Toyota Land Cruiser HJ60 - Cadillac Eldorado - BMW E30 - BMW 135i |
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I didn't start driving until I was 18, and my rates were still nuts.
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68 280SL - 70 280SL - 70 300SEL 3.5 - 72 350SL - 72 280SEL 4.5 - 72 220 - 72 220D - 73 450SL - 84 230GE - 87 200TD - 90 190E 2.0 - 03 G500 Nissan GTR - Nissan Skyline GTS25T - Toyota GTFour - Rover Mini - Toyota Land Cruiser HJ60 - Cadillac Eldorado - BMW E30 - BMW 135i |
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