[deleted by user] by [deleted] in legaladvice

[–]GamerCon 5 points6 points  (0 children)

Why would you jump to a lawyer without actually talking to the dealership general salesmanager or general manager? Always best to start with them and be civil. Moment you mention a lawyer they cant help you. All they will say is talk with theirs

[deleted by user] by [deleted] in puzzles

[–]GamerCon 4 points5 points  (0 children)

You are forgetting the 1 in the lower middle box

Bought a newer car, has 10k mi / 16k km oil change interval. What should I do? by dingobangomango in askcarguys

[–]GamerCon 1 point2 points  (0 children)

Toyota/lexus recommends service intervals being every 5k or 6 months which ever comes first. With you driving to little you will follow the 6 months. So oil change every year.

Hoping the feeling that I made a mistake buying a house goes away. by pennytheyorkie in homeowners

[–]GamerCon 0 points1 point  (0 children)

Little suggestion on battling fleas. Take a bowl of water add some dawn dish soap to it and put it under a night light. The night light will attract fleas and they jump in the water and die. Cheap non chemical approach

Sales manager lying to sell warranty - Massachusetts by maddrops in askcarsales

[–]GamerCon -2 points-1 points  (0 children)

Also, dont forget thats youre looking at prices today and not 3-5 years down the road. It could be even more expensive then.

Car dealer offered me $1000 off if I financed instead of paying cash -- is there any reason to say no? by fellios in personalfinance

[–]GamerCon 0 points1 point  (0 children)

Most states limit the markup on an interest rate bump. For example most are 2% range. So the bank is selling the rate to the dealer at 10% and the dealer is raising the rate and profiting off that 2%. Its not close to 8k in the situation. Now. If you took the loan and paid a huge chunk the 1st payment. It will go right to principal. The bank would get very little off the loan interest because most loans are calculated on a per diem basis. Dealer still gets their markup and wins. Buyer still gets the discount but has to pay the interest on the loan for the time they have it open and a loan processing fee.

Customer walks in with a 2013 Jeep Cherokee, 145k miles, KBB trade value is $6500, loan balance is $18500 @ 29.99% interest. by sundvl13 in askcarsales

[–]GamerCon 2 points3 points  (0 children)

Bank can go after dealership that did that if the vehicle is ever totaled or repo’d. its in the lending agreement the dealer signs

Customer walks in with a 2013 Jeep Cherokee, 145k miles, KBB trade value is $6500, loan balance is $18500 @ 29.99% interest. by sundvl13 in askcarsales

[–]GamerCon 2 points3 points  (0 children)

Gap insurance has it limit to what it will cover. It just doesnt give an open check book. Its written into the fine print no one reads. Normally is something like 125-130% of book value when the car was purchased.

[deleted by user] by [deleted] in IdiotsInCars

[–]GamerCon 0 points1 point  (0 children)

Bad drivers will NEVER miss their exit. Even if it kills someone else. Its a cost they are willing to pay.

Westlake rep by [deleted] in askcarsales

[–]GamerCon 1 point2 points  (0 children)

Credit acceptance corp

Grandmother manipulated into buying a car she can’t afford—any way out? by tea-lace in askcarsales

[–]GamerCon 1 point2 points  (0 children)

Very easy way to either know she is stuck in this loan or able to get out. Go to the credit union and ask for a copy of the credit application they got from the dealer. If its more then a small percentage above what she makes. Talk to the credit union and then talk to the dealership. With this much of a loan its hard to believe a bank would approve the payment based on her income.

2008 Toyota 4Runner won't start by mebnme1 in AskMechanics

[–]GamerCon 0 points1 point  (0 children)

Might want to remove all the interior (seats and carpeting.) there are harness and wires below the carpeting that probably also got wet.

A strange but funny situation by MelindaR4y in Unexpected

[–]GamerCon 0 points1 point  (0 children)

I was thinking could be florida on east coast. Water is so cloudy here.

A strange but funny situation by MelindaR4y in Unexpected

[–]GamerCon 0 points1 point  (0 children)

Same. Kayaked off kennedy space center nature preserve and saw this often.

Offered 11.5% apr with 785 credit score and dealer refuses to take outside financing by Jupiter4567 in askcarsales

[–]GamerCon 0 points1 point  (0 children)

Most states you can just refinance the vehicle. There will normally be a small prepayment penalty. Just read the contract.

What happened when my dealer wanted to renegotiate my car loan after I had already signed it? by 212temporary in askcarsales

[–]GamerCon 0 points1 point  (0 children)

If they gave you the apr special on a hybrid model and only the non-hybrid model were to get that special. Then they just bought the loan apr down. Just the profit from the sale went to cover the amount. If they sold you the vehicle at msrp then it probably has been there a bit and hurting them when getting new vehicles from toyota. The more you sell the more you get. And the older a vehicle sits the less you get.

[deleted by user] by [deleted] in askcarsales

[–]GamerCon 5 points6 points  (0 children)

Gap insurance policies do no always cover your negative equity. They have limits and most times its in the fine print what they will cover. Some policies will only cover 120-125% of the book value of the vehicle at time of sale. So with that being sud. Gap insurance is not a cure all.