Automotive question (a break from all the political bs)

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The Whistle Is Screaming
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Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Wed Mar 04, 2020 11:11 am

Do any of you subscribe to the mobile app services for newer cars?

Picking up a new vehicle (2018 Rogue) for Mrs twis tomorrow and it has NissanConnect service for $12 per month & it looks pretty cool. Just wondering if any of you have it or similar and if it is really worthwhile or just another waste of $ that you stop using after a month and never cancel.

I'll hang up and listen to your answers.

Thanks in advance, your pal,
Twis
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Wed Mar 04, 2020 11:26 am

I don't drive, but what would that give you?
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Re: Automotive question (a break from all the political bs)

Post by EAP » Wed Mar 04, 2020 11:29 am

Screw_Michigan wrote:
Wed Mar 04, 2020 11:26 am
I don't drive, but what would that give you?
Oh.
Makes sense.
Most left wing socialists don't like the liberty and individuality the automobile gives people.

You government control freaks want us all crammed into trains and busses, getting sick with all kinds of viruses.

The sooner the left wing socialist becomes extinct, the better mankind will become.

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Re: Automotive question (a break from all the political bs)

Post by smackaholic » Wed Mar 04, 2020 11:30 am

I rented a few Rogues. I liked them, but have no idea about that. 12/month sounds a bit steep.

Try to Jew them down to 5.


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Screw_Michigan wrote:The candidate of you shitbags won't accept the peaceful transfer of power.

Nice going, shitstains. Fuck you all.

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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Wed Mar 04, 2020 11:39 am

EAP wrote:
Wed Mar 04, 2020 11:29 am
Screw_Michigan wrote:
Wed Mar 04, 2020 11:26 am
I don't drive, but what would that give you?
Oh.
Makes sense.
Most left wing socialists don't like the liberty and individuality the automobile gives people.

You government control freaks want us all crammed into trains and busses, getting sick with all kinds of viruses.

The sooner the left wing socialist becomes extinct, the better mankind will become.
Wtf eap, did you not comprehend the thread title. Take this bs to one of the other political threads which already exist.
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by Softball Bat » Wed Mar 04, 2020 11:41 am

EAP wrote:
Wed Mar 04, 2020 11:29 am
Screw_Michigan wrote:
Wed Mar 04, 2020 11:26 am
I don't drive, but what would that give you?
Oh.
Makes sense.
Most left wing socialists don't like the liberty and individuality the automobile gives people.

You government control freaks want us all crammed into trains and busses, getting sick with all kinds of viruses.

The sooner the left wing socialist becomes extinct, the better mankind will become.
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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Wed Mar 04, 2020 11:42 am

smackaholic wrote:
Wed Mar 04, 2020 11:30 am
I rented a few Rogues. I liked them, but have no idea about that. 12/month sounds a bit steep.

Try to Jew them down to 5.


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The Jap's/Asians are mostly impervious to our Jew magic, its a trade off we accepted in exchange for their food.
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Wed Mar 04, 2020 11:45 am

Screw_Michigan wrote:
Wed Mar 04, 2020 11:26 am
I don't drive, but what would that give you?
Just a bunch of addons, some are pretty cool.

https://www.nissanusa.com/connect.html
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by smackaholic » Wed Mar 04, 2020 12:10 pm

The Whistle Is Screaming wrote:
smackaholic wrote:
Wed Mar 04, 2020 11:30 am
I rented a few Rogues. I liked them, but have no idea about that. 12/month sounds a bit steep.

Try to Jew them down to 5.


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The Jap's/Asians are mostly impervious to our Jew magic, its a trade off we accepted in exchange for their food.
No shit?

You desert people have really been off your game as of late.

Take Mike Bloomberg. He’s paid roughly 40 million bucks for each of his delegates.

Mike didn’t just pay retail. He paid retail X a few million.




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Screw_Michigan wrote:The candidate of you shitbags won't accept the peaceful transfer of power.

Nice going, shitstains. Fuck you all.

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Re: Automotive question (a break from all the political bs)

Post by Mikey » Wed Mar 04, 2020 12:30 pm

My Hyundai Kona EV came with three years of "MyHyundai". I do use it fairly regularly for a few things.

I can check the SOC (battery state of charge %) remotely, and estimated remaining range.

I can set the charging schedule. I have it set up to charge from midnight until 6:00 am at home when the rates are cheap. But if I'm at a public charging station (rarely) I can override the schedule on my phone.

I can set the climate control to pre-condition the interior. This comes in very handy on cold, damp mornings when the windows are all fogged up. I park outside and it takes a few minutes to clear all the windows.

You can also contact emergency roadside service.

There are a few other things I don't use, like finding the car (if I can't remember where I parked it I might as well give up driving), remotely locking or unlocking the doors, finding a charging station, setting up service appointments, etc.

Since it's free for the first three years, I'd say it definitely worth the $$.

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Re: Automotive question (a break from all the political bs)

Post by Innocent Bystander » Wed Mar 04, 2020 1:14 pm

EAP wrote:
Wed Mar 04, 2020 11:29 am
Screw_Michigan wrote:
Wed Mar 04, 2020 11:26 am
I don't drive, but what would that give you?
Oh.
Makes sense.
Most left wing socialists don't like the liberty and individuality the automobile gives people.
GPS is used to monitor professional drivers.

GPS is bring used to track private drivers, too.

You're on the internet, instead of innawoods like Teddy K. How much personal liberty is it ok for Pepe to trade as the wine warms?

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Re: Automotive question (a break from all the political bs)

Post by Left Seater » Thu Mar 05, 2020 10:56 am

Much like everything with car purchases, it can be negotiated. I would have them include it for a few years beyond the factory 3.

My suburban came with 1 year of Sat radio and onstar. As part of the sales process that quickly became 4. If they really want to make a car deal they will cover that for awhile.
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Re: Automotive question (a break from all the political bs)

Post by smackaholic » Thu Mar 05, 2020 10:59 am

So 88 thinks his Texan magic trumps Jew magic?

Marty needs to end his exile and comment on this.


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Screw_Michigan wrote:The candidate of you shitbags won't accept the peaceful transfer of power.

Nice going, shitstains. Fuck you all.

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Re: Automotive question (a break from all the political bs)

Post by smackaholic » Thu Mar 05, 2020 11:39 am

88 wrote:
Thu Mar 05, 2020 11:08 am
smackaholic wrote:
Thu Mar 05, 2020 10:59 am
So 88 thinks his Texan magic trumps Jew magic?
When and how did I get Texas magic?

Getting back to the topic at hand, I have read that you can get more advanced apps on your smart phone than you can get on your car's electronics, and at far less cost. Maybe a cup phone (I don't have one, and wouldn't purchase one, by the way)? I don't need that kind of shit when I drive.

I do have a HUM installed in my car, which provides real-time health information etc.
I mixing up my racist, homophobic, neanderthal trolls. My apologies. I really shouldn't post before at least 3 cups of coffee. That should have read lefty.
Screw_Michigan wrote:The candidate of you shitbags won't accept the peaceful transfer of power.

Nice going, shitstains. Fuck you all.

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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Thu Mar 05, 2020 11:51 am

Left Seater wrote:
Thu Mar 05, 2020 10:56 am
Much like everything with car purchases, it can be negotiated. I would have them include it for a few years beyond the factory 3.

My suburban came with 1 year of Sat radio and onstar. As part of the sales process that quickly became 4. If they really want to make a car deal they will cover that for awhile.
It's a 2yo car & dealer does not rep Nissan. Not that big of a deal, picking it up in couple of hours.
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by Left Seater » Thu Mar 05, 2020 1:31 pm

Ahh, got it. Yeah, I don't think there are usually many deals to be had with a used whip.

And Holic, when you are buying a car you hold all the power. Well unless you need the car that day. However, using things like the USAA car buying service or other similar products and not needing the vehicle that same day you can get a ton of things added. On our last suburban purchase we knew what they were going for in our area. The local dealer had one in a color we wanted with 4 wheel drive. It also had things we didn't need/want like DVD players and a sun roof. I told the dealer what we would pay for it and they said no. Couple of weeks later they called and came down some, but not to our number. We said no. Finally, in late Feb we got a call and said they were ready to sell at our price. So we made a car deal. We also got added sat radio and onstar.
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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Thu Mar 05, 2020 1:37 pm

Left Seater wrote:
Thu Mar 05, 2020 1:31 pm
Ahh, got it. Yeah, I don't think there are usually many deals to be had with a used whip.

And Holic, when you are buying a car you hold all the power. Well unless you need the car that day. However, using things like the USAA car buying service or other similar products and not needing the vehicle that same day you can get a ton of things added. On our last suburban purchase we knew what they were going for in our area. The local dealer had one in a color we wanted with 4 wheel drive. It also had things we didn't need/want like DVD players and a sun roof. I told the dealer what we would pay for it and they said no. Couple of weeks later they called and came down some, but not to our number. We said no. Finally, in late Feb we got a call and said they were ready to sell at our price. So we made a car deal. We also got added sat radio and onstar.
The WSJ has been running a great series on car financing fraud. I'll dig up the links when I get a minute.
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Re: Automotive question (a break from all the political bs)

Post by Left Seater » Thu Mar 05, 2020 3:15 pm

I can imagine it might have to do with dealers selling buyers on a monthly payment amount rather than on the cost of the vehicle. People aren't purchasing a monthly payment, they are purchasing a vehicle. The discussion should be on the total cost of the vehicle, not what the monthly payment would be without knowing the cost of the car. This then gets compounded when cars are traded in and the old loan value is just rolled into the new payment.
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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Thu Mar 05, 2020 4:46 pm

Left Seater wrote:
Thu Mar 05, 2020 3:15 pm
I can imagine it might have to do with dealers selling buyers on a monthly payment amount rather than on the cost of the vehicle. People aren't purchasing a monthly payment, they are purchasing a vehicle. The discussion should be on the total cost of the vehicle, not what the monthly payment would be without knowing the cost of the car. This then gets compounded when cars are traded in and the old loan value is just rolled into the new payment.
It's one of the first questions they ask "how much do you want to pay a month?"

I went to my credit union and got pre approved so I shut down their financial hard sell. They asked what my rate/terms thinking they could match/beat it, but they couldn't get close. One dealer mentioned 6%, I laughed.

I did buy this on very short time frame, giving Mrs twis's old car to our daughter to bring back to school, she is going to be surprised when she comes home this weekend.
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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Re: Automotive question (a break from all the political bs)

Post by EAP » Thu Mar 05, 2020 5:05 pm

The Whistle Is Screaming wrote:
Thu Mar 05, 2020 4:46 pm
Left Seater wrote:
Thu Mar 05, 2020 3:15 pm
I can imagine it might have to do with dealers selling buyers on a monthly payment amount rather than on the cost of the vehicle. People aren't purchasing a monthly payment, they are purchasing a vehicle. The discussion should be on the total cost of the vehicle, not what the monthly payment would be without knowing the cost of the car. This then gets compounded when cars are traded in and the old loan value is just rolled into the new payment.
It's one of the first questions they ask "how much do you want to pay a month?"

I went to my credit union and got pre approved so I shut down their financial hard sell. They asked what my rate/terms thinking they could match/beat it, but they couldn't get close. One dealer mentioned 6%, I laughed.

I did buy this on very short time frame, giving Mrs twis's old car to our daughter to bring back to school, she is going to be surprised when she comes home this weekend.
A simple solution when a greasy slimy car salesman talks monthly payments?
Whip out your phone, multiply his monthly figure times 48, 60, or 72 months, and if that figure.is thousands more than the MSRP, less all your rebates?
Walk out.

These snake oil salesmen act like they're on your side, but they are really at the mercy of the sales managers and finance, whose job is to specifically and literally, anal rape you.
Some board members are ok with that. I won't mention any names.

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Re: Automotive question (a break from all the political bs)

Post by Python » Thu Mar 05, 2020 9:47 pm

Just buy an Eclipse and be done with it.

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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Fri Mar 06, 2020 12:50 am

There's another story but here's the two I found


https://www.wsj.com/articles/dealership ... e=1&pos=18
Dealerships Give Car Buyers Some Advice: Just Stop Paying Your Loan

By AnnaMaria Andriotis and Ben Eisen
Feb. 15, 2020 5:30 am ET
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Joyce Parks was struggling to afford her Kia 000270 -2.51% Soul when, she says, the dealership where she had bought it pitched her an unconventional idea: Stop making the payments.

Ms. Parks, 63 years old, says employees told her that she couldn’t trade in the Soul, but that she could buy another car. To get rid of the Soul, the dealership told her, she should have the lender repossess it, Ms. Parks said.

The trade-in, where a buyer hands a car back to a dealership and uses it as credit toward another one, is often a crucial step in car buying. But some dealerships are instead telling buyers to give their old cars back to their lenders—and selling them new ones—in a practice known as “kicking the trade.”

It is difficult to estimate how often this happens. Auto-sales veterans say the practice is an open secret in some showrooms. Broadly, vehicles are getting more expensive and Americans are struggling to afford them. Dealerships now make more money arranging financing than selling vehicles. If a car loan goes bad, it typically isn’t the dealership on the hook—it is the borrower or lender.

The National Automobile Dealers Association said there is no evidence to suggest “kicking the trade” is prevalent. Dealerships “could not sustain carefully cultivated relationships” with lenders “if they were to engage in the type of behavior alleged,” a spokesman said.

Consumer lawyers say they have seen more such cases. Five years ago, “it happened two or three times per year,” said Daniel Blinn, a Connecticut-based attorney who has sued dealerships and auto lenders. “Now, we hear it at least once per month.”

Credit-reporting firm TransUnion calculates that nearly 24 million U.S. vehicle loans were originated in 2018. About 300,000 of those vehicles were repossessed within 12 months, up 17% from 2014. Such a quick souring of the loan can be a signal of some sort of auto fraud.

Roughly a fifth of people who have had a car repossessed over the last several years take out another auto loan within a year of the repossession, TransUnion says.

Dealerships typically don’t make loans. When consumers need financing, a dealership electronically sends their loan applications to banks, credit unions and other lenders. They, in turn, decide whether to fund the loan.

Problems often begin with consumers who buy cars they can’t afford or sign loans they don’t understand. But dealerships can compound the trouble. Some dealerships are inflating borrowers’ incomes on loan applications so they can sell them bigger or more expensive cars, according to lawsuits and interviews.

When dealerships kick the trade, they typically get a lender to approve a loan for the buyer’s new vehicle. Next, the buyer generally goes home with two vehicles and two loans. It is only then the buyer asks the original lender to repossess the original car.

Connex Credit Union sued Connecticut dealership Barberino Nissan in 2016, alleging the dealership “repeatedly told customers to just deliver the keys to Connex.” Barberino denied the accusations but agreed to a settlement roughly a year ago, according to the dealership’s lawyer.

Lenders generally say they will cut ties with dealerships that do this. Often, though, the lenders aren’t aware it is happening.

Ms. Parks, a former dietary aide in Gastonia, N.C., said she told dealership employees she couldn’t afford the used Nissan Rogue they wanted her to buy. She said she signed a bank loan for it because she felt out of options.

Ms. Parks then told Kia Motors Finance, the lender on her Soul, she wanted to return it. The dealership told her not to mention she had just bought another car, she said.

After a few months, Ms. Parks couldn’t make the payments on the Rogue either. It was repossessed too.

Ms. Parks now drives a used Nissan Murano her family bought her. Her credit score has plunged. She owes at least $15,000 on the Soul and Rogue, according to her credit report.

She is suing the dealership, Kia of Gastonia. It shut down last year. A lawyer for the dealership didn’t return requests for comment.
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Fri Mar 06, 2020 12:51 am

https://www.wsj.com/articles/an-809-car ... e=4&pos=12
An $809 Car Payment, a $660 Income: How Dealers Make the Math Work


By Ben Eisen and AnnaMaria Andriotis
Dec. 21, 2019 5:30 am ET
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When Mirna López bought a used 2018 Nissan Pathfinder in May, she got a car loan with a monthly payment of $809. Her monthly earnings were about $660.

Normally, lenders wouldn’t approve that. But an employee at Mac Mitsubishi, a dealership in West Hartford, Conn., filled out her loan application and stated she made $7,833 a month, according to Ms. López and a copy reviewed by The Wall Street Journal. Ms. López, 65 years old, said she didn’t realize that until months later.

Consumers are facing rising prices for cars and trucks, and relying on debt to buy them. Inflating a borrower’s earnings can allow a dealership to close a loan that otherwise wouldn’t happen.

Some dealerships around the country are dressing up car-loan applications with fake, inflated incomes, according to consumer lawyers who say it is a growing issue. Certain large lenders have cut back on some safeguards that could catch the forged applications, in much the same way some mortgage lenders stopped double-checking applications in the run-up to the financial crisis. Federal and state authorities have sued dealerships and lenders over these practices.

Sometimes, borrowers lie about their earnings. But some dealerships concoct numbers without telling the customers, according to lawsuits and interviews with customers and lawyers. Those borrowers often default on their loans within a few months, destroying their credit.

“The consequence for a lot of people is to ruin them financially for five to 10 years,” said Richard Feferman, a New Mexico lawyer who has sued dealerships and lenders in nearly two dozen such cases.

The scope of false applications is hard to quantify. PointPredictive, which sells software to detect loan fraud, estimates that more than a fifth of auto loans have inflated incomes. The company examined loans made over the past four years where lenders obtained borrowers’ personal records, and compared those with the income stated on applications. Its data can’t distinguish who is responsible.

Dealers and lenders can ask borrowers to provide documents such as W-2s or pay stubs. Over the past few years, though, some subprime lenders have stopped checking for them, according to S&P Global Ratings, partly in response to dealers demanding faster decisions.

Auto lenders verified income on about 7% of their loans on average since 2017, according to a Journal analysis.

The share of loans going delinquent soon after they are made is rising, particularly among subprime loans, according to credit-reporting firm TransUnion. That can be a signal of fraud, said Satyan Merchant, senior vice president of TransUnion’s auto business.

U.S. consumers held a record $1.3 trillion of debt tied to their cars at the end of September, according to the Federal Reserve Bank of New York, up from about $740 billion a decade earlier.

Buyers visiting a dealership typically disclose their income to a salesperson or an employee in the financing office. The dealership electronically sends a loan application to banks, credit unions and the finance arms of car manufacturers, which decide whether to fund the loan.

The problem loans often start with borrowers making bad decisions about what they can afford. Sometimes, borrowers don’t read their loan application or final contract.

But dealerships can compound the trouble. They can rush borrowers through the process or show them only a partial copy of the application, according to lawsuits and consumers. Sometimes, dealerships will fill out one application with correct information and submit an incorrect one to lenders. Some borrowers, including Ms. López, said their dealership told them they could return in a few months and refinance into a lower-interest loan, only to tell them later it wasn’t an option.

Dealerships now make more money arranging financing than selling vehicles. If a car loan goes bad, it isn’t usually the dealership on the hook. When a borrower defaults, the lender can repossess the car and try to resell it. Often, though, that isn’t enough to cover the borrower’s unpaid balance, and the lender can write off the loss and can send the borrower to collections.

The National Automobile Dealers Association, a trade group, said lenders can make dealers buy back a loan if they can prove the dealer committed fraud. A spokesman for the group said there is no evidence that income fabrication is a systemic problem.

The Consumer Financial Protection Bureau oversees auto lenders but not dealerships. The Federal Trade Commission last year accused dealerships in Arizona and New Mexico of making up car buyers’ incomes. Attorneys general in Delaware and Massachusetts fined Santander Consumer USA Holdings Inc. in 2017 for allegedly failing to catch income fraud at dealerships, but didn’t charge the dealerships.

General Motors Co. ’s AmeriCredit arm verified incomes on as much as roughly 70% of loans in some bond pools, according to the Journal analysis. The auto financing arms of CarMax Inc. and Ally Financial Inc. verified income on less than 1%. Some of the lenders said income verification is just one of many ways to catch potential fraud and that they have other safeguards.

The Journal analysis encompassed more than 6 million prime and subprime loans that were packaged into bonds and sold to investors by 10 lenders that disclosed such data through Finsight, which tracks bond deals.

Ms. López’s husband, Ramón, spoke with the bank that held her loan a few months after she got it. It was then she found out her application was wrong, she said. The Lópezes’ monthly earnings are still far below the income stated on the application even if Mr. López’s earnings and other income are factored in.

Ms. López said she didn’t closely inspect the application at the dealership because the financing office told her to sign quickly and took back the paper. Ms. López speaks little English, the language on the application.

This month, at her attorney’s advice, Ms. López left the car at the dealership one night after it closed. Her attorney sent a letter to the dealership and the bank stating she is revoking acceptance of the car due to fraud.

A lawyer for the dealership said Ms. López’s allegations aren’t consistent with the company’s business practices. A spokesman for the bank, BB&T Corp., said it couldn’t comment on a customer but that it would terminate its relationship with any dealership where it found “a pattern of false loan applications.” BB&T has since been renamed Truist Financial Corp.

Grace Pazdan, an attorney at Vermont Legal Aid Inc., said she has had a number of clients whose car-loan applications contained inflated income. She is trying to advance state legislation that would require dealerships to provide buyers with their full loan application at the time of purchase.

Baxter Hansen of Gastonia, N.C., has been paying $493 a month for a Kia Sportage she bought new two years ago.

Ms. Hansen, 67, said she didn’t know her application said she had a monthly income of $4,800. Ms. Hansen, a stay-at-home parent for most of her life, had close to no income at the time. She is suing the dealership.

Capital One Financial Corp., which approved her for a $28,000 loan, said it encourages customers who are facing financial difficulties to ask the bank for assistance. A lawyer for the dealership, Kia of Gastonia, and the former owner didn’t return calls for comment.

Ms. Hansen started working at Walmart. She says she hopes to pay off the loan in about 3½ years.
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Derron
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Re: Automotive question (a break from all the political bs)

Post by Derron » Fri Mar 06, 2020 1:56 am

Screw_Michigan wrote:
Thu Mar 05, 2020 1:37 pm

The WSJ has been running a great series on car financing fraud. I'll dig up the links when I get a minute.
Some great videos on YouTube as well. I watched one of them last night about how the car dealers fuck you over a thousand different ways.

I do not buy from dealers. Last one I bought from the dealer was in 2007, I bought a used Ranger pickup. Told him what I would pay, send the invoice to my lease dude and he will send you a check in 3 days. Keep the pickup if you like.

This is the way the car business is going to go in the future. They are making the vehicles so expensive and they make more money on the paper than the actual product.
Derron
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Re: Automotive question (a break from all the political bs)

Post by Dr_Phibes » Fri Mar 06, 2020 2:46 am

88 wrote:
Fri Mar 06, 2020 1:40 am
Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
Because a fat pile of people are cash-heavy and credit-poor? It's the auto industry, not the IRS.

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Re: Automotive question (a break from all the political bs)

Post by Kierland » Fri Mar 06, 2020 6:03 am

88 wrote:
Fri Mar 06, 2020 1:40 am
What is a woman with a $660 per month income doing at a Nissan dealership? Did she expect to buy a $24 per month car? When she drove off in a new Pathfinder on her income, what did she think was going to happen? And how does Screwy end up concluding that she is the victim? Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
Maybe because she is the only one that got fucked? Unless you can name another party that lost in that transaction?

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Re: Automotive question (a break from all the political bs)

Post by EAP » Fri Mar 06, 2020 6:15 am

88 wrote:
Fri Mar 06, 2020 1:40 am
What is a woman with a $660 per month income doing at a Nissan dealership? Did she expect to buy a $24 per month car? When she drove off in a new Pathfinder on her income, what did she think was going to happen? And how does Screwy end up concluding that she is the victim? Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
Screwy thinks it's her right.
Poor people deserve to have everything that evil white rich people have.
No wonder we call him screwy,
Very appropriate for someone who is screwed up beyond repair.

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Re: Automotive question (a break from all the political bs)

Post by Innocent Bystander » Fri Mar 06, 2020 7:39 am

EAP wrote:
Fri Mar 06, 2020 6:15 am
88 wrote:
Fri Mar 06, 2020 1:40 am
What is a woman with a $660 per month income doing at a Nissan dealership? Did she expect to buy a $24 per month car? When she drove off in a new Pathfinder on her income, what did she think was going to happen? And how does Screwy end up concluding that she is the victim? Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
Screwy thinks it's her right.
Poor people deserve to have everything that evil white rich people have.
No wonder we call him screwy,
Very appropriate for someone who is screwed up beyond repair.
Screwy wrote no such thing, homie.

The women in the article are elderly, probably both minority women, and were both advised to do something which would not only destroy their credit long-term for short term gain, but would reap usurious profits down the road.

It's the credit benefits inverted pyramid all over again: the sweet incentives offered to the FICO 750+ club are built on the backs of sub-prime. You ain't getting your 0% deals and sweet benefits/bonuses because you're so groovy.

Couple in the intentional fraud of only presenting half an application... the lawyers are lying, in the same way WHO lied and China lied and the US lies about CoViD19: intentional weasel definitions and technicalities. This is Wells Fargo territory -- and how many times has Wells Fargo been slapped for intentionally pressuring employees off the record to do unethical shit in order to keep their jobs, for middle/upper management's bonus checks?

That sort of shit.

Regulations are meant to protect those who can't protect themselves from vultures, because they are not vultures, EAP. Vultures make the laws, enforce the laws and benefit from the laws. Those two elderly women just need transportation at a rate they can afford.

Why shouldn't they pay $24 a month, if that's what they can afford, and can realistically pay faithfully? Why should they pay 5 times as much as TWIS, on 7 times less of TWIS's income? The pyramid is inverted, there's a problem there.

Kill usury.

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Re: Automotive question (a break from all the political bs)

Post by Left Seater » Fri Mar 06, 2020 10:41 am

Lots of issues Going on here:

- only 7% of loans verified income
- dealers inflating income
- dealers filling out loan applications

But at the end of the day some of this falls on the buyer as well. They know their income and what the payments will be. Why are they accepting these deals?

IB please explain your take on how 0% interest is supported by sub prime lending. Mrs Seater currently drives a 2011 Lincoln. At the time interest rates were lower across the board. Lincoln needed to sell SUVs and offered us a 0% loan for 4 or 5 years. In talking with their finance guy during the process, Lincoln (Ford) finance would only finance borrowers with credit scores above 575. That is a long way from sub prime territory. Further most sub prime type deals are done not on dealers lots but independent car lots. So please explain yourself here.
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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Fri Mar 06, 2020 10:42 am

88 wrote:
Fri Mar 06, 2020 1:40 am
What is a woman with a $660 per month income doing at a Nissan dealership? Did she expect to buy a $24 per month car? When she drove off in a new Pathfinder on her income, what did she think was going to happen? And how does Screwy end up concluding that she is the victim? Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
When did I say she was the victim?
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Re: Automotive question (a break from all the political bs)

Post by EAP » Fri Mar 06, 2020 10:59 am

Screw_Michigan wrote:
Fri Mar 06, 2020 10:42 am
88 wrote:
Fri Mar 06, 2020 1:40 am
What is a woman with a $660 per month income doing at a Nissan dealership? Did she expect to buy a $24 per month car? When she drove off in a new Pathfinder on her income, what did she think was going to happen? And how does Screwy end up concluding that she is the victim? Too many issues to contemplate after a long day of work. I’ll just have to wait until I get off work tomorrow to think about it.
When did I say she was the victim?
We know you're a left winger.
Left wingers view everyone as a victim.
It's your calling card.

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Re: Automotive question (a break from all the political bs)

Post by smackaholic » Fri Mar 06, 2020 11:47 am

Haven't done payments since we bought a new Sonata in '08.

I buy used now, cash.

I hope to never borrow a nickle again for the rest of my days. Mortgage paid, cars owned. Makes life simpler.

I am not saying there aren't instances where it doesn't make sense to take advantage of financing. Just not for me.

Just bought the OL a 2010 Honda Odyssey EX-L. Nice rig. Only thing it needs is a timing belt change which will get done ASAP.

Doubt I'll ever buy a car brand new again.
Screw_Michigan wrote:The candidate of you shitbags won't accept the peaceful transfer of power.

Nice going, shitstains. Fuck you all.

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Re: Automotive question (a break from all the political bs)

Post by Imus » Fri Mar 06, 2020 2:42 pm

Probably ought to let Derrin and EAP get their buck knives out and cut the balls off the car sales people. Get about a bushel basket full of car dealer testicles and then post the picture of it on the internet.

Show it the salesman next time you go to buy.
wolfman wrote:I also remember seeing all the old people dying in the streets because they did not have medicare. Good times.

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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Fri Mar 06, 2020 2:46 pm

88 wrote:
Fri Mar 06, 2020 2:44 pm
So are you saying that the bank that got fucked by her and the corrupt car dealership she chose to do her ridiculous business with is the victim?
The bank is complicit in giving her an unsustainable loan.

Again, numbnuts, where did I say she was a victim?
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Screw_Michigan
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Re: Automotive question (a break from all the political bs)

Post by Screw_Michigan » Fri Mar 06, 2020 2:57 pm

88 wrote:
Fri Mar 06, 2020 2:51 pm
So the point of your post is that there are no victims. Banks are receiving fraudulent applications from car dealers and, on the basis of that fraud, are loaning money to people who know they cannot afford a new car to purchase a new car, and there are no victims.
Basically. You are yearning to be the victim. Typical conservative.
Derron wrote:
Sat Oct 03, 2020 12:07 pm

You are truly one of the worst pieces of shit to ever post on this board. Start giving up your paycheck for reparations now and then you can shut the fuck up about your racist blasts.
Left Seater wrote:
Mon Nov 16, 2020 11:18 am

A political celebration isn’t a constitutional right any more than the concert or attending a spectator sport.

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Re: Automotive question (a break from all the political bs)

Post by EAP » Fri Mar 06, 2020 4:22 pm

Screw_Michigan wrote:
Fri Mar 06, 2020 2:46 pm
88 wrote:
Fri Mar 06, 2020 2:44 pm
So are you saying that the bank that got fucked by her and the corrupt car dealership she chose to do her ridiculous business with is the victim?
The bank is complicit in giving her an unsustainable loan.

Again, numbnuts, where did I say she was a victim?
No one is complicit.
She's a fuckin idiot for popping out 3 kids she can't afford, and buying a car she. Can't afford.

The left wing socialist party thinks she has a RIGHT to fuck ex -cons and pop out kids she can't afford.
They blame evil white men for her bad choices in life.
The left wing socialists think she has a RIGHT to drive the same car that evil white Republicans drive, even though she fucks ex-cons who beat her to a pulp.

The left thinks she has a RIGHT to a beautiful house with a pool.
We are now living in a post Obama world where you are ENTITLED to everything.
Ask what your country can do for you.
Nancy Pelosi says that if you don't want to work, you don't have to. The government will give you a guaranteed income.

Pelosi has early onset Alzheimer's too.

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Re: Automotive question (a break from all the political bs)

Post by The Whistle Is Screaming » Tue Mar 10, 2020 4:21 pm

We picked up mrs. Twis's new ride on Thursday, it has enough bells and whistles that I'm going to pass on the phone app stuff. Very pleased with it so far, I'll update everyone once in a while just so we have something pleasant to discuss.
Ingse Bodil wrote:rich jews aren't the same as real jews, though, right?

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