SO CLOSE YET SO FAR

"Supreme Chancellor and Glorious Leader SaveTheIntegras" (jegoingout) 08/30/2016 at 15:34 • Filed to: CAPS NEEDED FOR ANGER

1

50

My view

I WAS SO CLOSE TO SELLING MY FIRST CAR TODAY...then shit got weird.

Grab Paddle > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:37

0

WHY?? TELL US!!!!!!

OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:37

1

Sorry bud. You’ll get it figured out, don’t worry. Just think of it as the old “It’snot you, it’s me” from the customer with it actually being them for once.

Svend > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:38

0

Would you care to take a seat on the recliner and tell me all about it?

Daily Drives a Dragon - One Last Lap > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:39

4

You can’t just bait us like that and not tell what happened.

jimz > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:41

0

I don’t recommend the approach of “Awright, so what do I gotta do you put you in this sumbitch today? They ain’t makin’ a ton of these motherf***ers every day, y’know!”

Supreme Chancellor and Glorious Leader SaveTheIntegras > Daily Drives a Dragon - One Last Lap 08/30/2016 at 15:42

2

Ran a credit check on the signer and co signer. Person A had no credit history and couldnt prove their income. Person B had their credit account “frozen due to state legislature”

Supreme Chancellor and Glorious Leader SaveTheIntegras > Grab Paddle 08/30/2016 at 15:42

1

See response to Daily

Supreme Chancellor and Glorious Leader SaveTheIntegras > Svend 08/30/2016 at 15:42

0

Yes doctor

Daily Drives a Dragon - One Last Lap > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:43

0

That’s just weird.

MontegoMan562 is a Capri RS Owner > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:44

0

Did they have cash?

buy here pay here!

Supreme Chancellor and Glorious Leader SaveTheIntegras > Daily Drives a Dragon - One Last Lap 08/30/2016 at 15:45

0

After telling her that, she started freaking out and yeah...

Supreme Chancellor and Glorious Leader SaveTheIntegras > MontegoMan562 is a Capri RS Owner 08/30/2016 at 15:45

0

I’d be impressed if you paid cash for a 66,900k car in the part of NJ I’m working in

E90M3 > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:47

0

Reminds me of when I tried to buy an E90 M3, the BMW dealer in Houston told me they couldn’t get financing for me. When I finally got mine no one really wanted to lend me the money even though I was putting down 40% plus taxes and have a credit score north of 700 and 5 years of good credit history.

Supreme Chancellor and Glorious Leader SaveTheIntegras > E90M3 08/30/2016 at 15:48

0

her credit alone, we assume at least, wouldn’t have been able to carry him.

Daily Drives a Dragon - One Last Lap > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:49

0

I’d probably freak out too.

jjhats > MontegoMan562 is a Capri RS Owner 08/30/2016 at 15:51

0

ive never understood this expression. im at a car dealer buying a car where the hell else would I pay?

jimz > E90M3 08/30/2016 at 15:51

1

odd. 700 puts you in the “good” category, 750 “very good.” the only thing I can think of is 5 years wasn’t long enough for them to be comfortable writing it. though with 40% down you’d still be right side up right away.

maybe it was the fabric softener you were using.

Supreme Chancellor and Glorious Leader SaveTheIntegras > jimz 08/30/2016 at 15:53

0

His cologne

jimz > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:53

1

Check Person B again tomorrow and see if there’s something like “extradited to Spain to stand trial on war crimes charges.”

RallyDarkstrike - Fan of 2-cyl FIATs, Eastern Bloc & Kei cars > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:54

0

Your dealership has a Bentley in it.

jimz > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:54

1

yeah, def. don’t hose yourself down with Axe.

Supreme Chancellor and Glorious Leader SaveTheIntegras > jimz 08/30/2016 at 15:54

0

We told her to call us back once its figured out, though I doubt we’ll still have the car here

Supreme Chancellor and Glorious Leader SaveTheIntegras > RallyDarkstrike - Fan of 2-cyl FIATs, Eastern Bloc & Kei cars 08/30/2016 at 15:54

2

We have 2 actually

E90M3 > jimz 08/30/2016 at 15:57

0

I’m not sure what my credit score was, I think it was in the 740s to be honest. I think the credit crisis of 2008 made banks wary to lend to some people. Bank of America didn’t want to finance me the 30k on the car, that almost made me change banks.

Sampsonite24-Earth's Least Likeliest Hero > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 15:58

0

Lulz. That’s totally fraud

jimz > E90M3 08/30/2016 at 15:59

2

credit crisis of 2008

!!! UNKNOWN CONTENT TYPE !!!

Bank of America

I think I get it now.

MontegoMan562 is a Capri RS Owner > E90M3 08/30/2016 at 16:06

0

That sounds insane. I’m not saying it didn’t happen to you, but that much down plus 700 credit score you’d be a shoe in at almost any bank - especially any credit union.

MAXIMUMVRM > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:24

0

I had a customer returning his leased s600 for a new one. Credit was frozen by feds. MB said keep his car and call cops. He was selling ns time shares to old folks. He hung himself before being arrested at home.

Svend > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:24

0

Relax and tell me what happened.

TysMagic > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:26

0

coming from the guy on the other end of the loan process here (at the bank) this is pretty common on both parts. Welcome to the world!

Supreme Chancellor and Glorious Leader SaveTheIntegras > Svend 08/30/2016 at 16:32

1

Funky credit happened

Supreme Chancellor and Glorious Leader SaveTheIntegras > MAXIMUMVRM 08/30/2016 at 16:32

0

Oh lovely

Supreme Chancellor and Glorious Leader SaveTheIntegras > TysMagic 08/30/2016 at 16:33

0

To have credit frozen by a state? I have never heard of that, neither had my manager

Neil drives a beetle and a fancy beetle > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:33

2

Google tells me “freeze due to legislation” comes up when a person requests a freeze due to identity theft or in rare cases some people who don’t need to have credit reports very often can have a freeze always in place to prevent anyone using their identity.

Svend > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:40

2

Just read the reply you put up to another person. You’d think if their credit was that bad they’d have some idea before looking at a car.

Many people I know take out a personal loan to buy the car after taking one out for a test drive. Personal loans are usually better rates than manufacturers finance packages.

We did if for one car. We got free AA recovery for buying the car from Rover, free RAC recovery for taking out a loan with the bank for the car and free GreenFlag recovery for putting the deposit down on the credit card.

Supreme Chancellor and Glorious Leader SaveTheIntegras > Neil drives a beetle and a fancy beetle 08/30/2016 at 16:41

0

The odd thing is, she didn’t know about it

Supreme Chancellor and Glorious Leader SaveTheIntegras > Svend 08/30/2016 at 16:46

1

Well considering Person A had no credit and Person B had theirs frozen...id be shocked if they ever got a loan

TysMagic > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:50

0

frozen due to state legislature is pretty common on our end. I don’t think it’s necessarily the state stepping in so much as it is the person trying to protect from identity theft. The flip to that, consumer statements that require verbal authorization and what not. It’s fun stuff and a major pia for both sides

Neil drives a beetle and a fancy beetle > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 16:55

0

Maybe she was the identity thief! Then it would make sense to act out and play dumb hoping you guys just ignore the anomaly and go forward. It doesn’t make sense with the co-signer though, because then their still liable for the debt once the identity theft gets figured out.

I don’t know, I haven’t wrapped my head around how a person would make use of a stolen identity with a co-signer, at least for a long term benefit.

Supreme Chancellor and Glorious Leader SaveTheIntegras > Neil drives a beetle and a fancy beetle 08/30/2016 at 16:56

0

They were husband and wife and the co signer was a sister. The husband had no credit, the in law was the one who had the frozen acc

Rico > MAXIMUMVRM 08/30/2016 at 19:54

0

Good!

Saracen > MAXIMUMVRM 08/30/2016 at 19:55

0

Dude...

Rico > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 19:59

0

So out of 3 people none of them could get a car on their own, maybe getting a car isn’t for them. How can you afford to get an expensive car without knowing your credit situation and why would you need a cosigner? This smells like fraud to me.

If you can afford a 66k car you definitely should never need a cosigner unless you are lying about the way you earn income aka credit card scamming or drug dealing. I’ve known of people who have never made an honest buck yet walked out of a dealership in a Panemeras and Maseratis through schemes.

m-b-w loves his SUBAROO > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 20:06

0

What were they trying to buy?

Boxer_4 > jjhats 08/30/2016 at 20:06

0

This usually refers to the dealer offering financing directly, rather than through a separate financial institution. This is different from a dealer providing financing services, where while they help you find a loan, it’s though a bank or loan company, not through them.

Supreme Chancellor and Glorious Leader SaveTheIntegras > m-b-w loves his SUBAROO 08/30/2016 at 20:59

0

2014 S550

m-b-w loves his SUBAROO > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 22:39

0

If you need a cosigner, an S550 probably isn't the best choice. Just my opinion haha.

Supreme Chancellor and Glorious Leader SaveTheIntegras > m-b-w loves his SUBAROO 08/30/2016 at 23:03

0

Shit they needed 3 honestly. We basically told them they can come back once they have someone who has an established credit history

m-b-w loves his SUBAROO > Supreme Chancellor and Glorious Leader SaveTheIntegras 08/30/2016 at 23:10

0

They sound like Mitsubishi Mirage folks to me.

Roundbadge > E90M3 08/31/2016 at 07:33

0

Only thing I can think of is that if you were putting down 40%, maybe they didn’t see that as enough meat on the bone for them. Maybe 20% would’ve been better in their eyes (they want to earn something off the deal).

When I bought my truck, I wanted to put down a couple thousand on it, but that put the loan below the minimum value of the bank loan. I still owe like a year and a half on it. I could pay it now, but the loan interest is so low I don’t see why I should.