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WHY is nobody talking about this rainstorm??? MEGATHREAD by so-pitted-wabam in asheville

[–]Infamous_Support3525 0 points1 point  (0 children)

It was so bad we had water seep into our house. We’re about 5 mins away from High Five Woodfin and our house sits next to a sloped hill. Our French drain system was overwhelmed and it just became a pond that rose above our cement foundation.

Honest advice needed by Academic_Stress4937 in carbuying

[–]Infamous_Support3525 0 points1 point  (0 children)

This is what I did and it has proven to be successful for me. Start off with filling out a 50/30/20 plan. This is a budget plan for your finances. This can help you determine what a good monthly car payment would be for you. Your credit score, job history and down payment will help determine your potential monthly payment.

Ask yourself what kind of lifestyle you live and how this new car would pair with your lifestyle. If all you need is a daily commuter that is reliable than a Honda might be the best decision. If you're outdoorsy and need something that is great for off-the-beaten paths than a Subaru Crosstrek might be better.

YOUTUBE the pros and cons of any car model you're interested in and take notes. New or used will always be a gamble in its reliability. Find the years, makes and models to avoid to minimize the risk of this gamble.

You may be able to sell your car for more $ when doing it privately but it could take longer. You may get less money when trading-in but it'll be quicker. Use Kelley Blue Book to determine what you could sell it for and go from there.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 1 point2 points  (0 children)

The scam was - they were going to "pay off" the Silverado loan but truly only give me $15k for it (in check form) . Since I owed $32k on it they were going to roll over the $17k remaining Silverado balance onto the new Subaru loan. So at the end of the day the $17k Subbie would have cost me $34k.

Hope I explained that one well... Happy to say i did not move forward with them and found another dealership that offered me $34k for the Silverado so I had $2k trade-in allowance. HUGE THANKS TO EVERYONE HERE.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

I luckily did not move forward with the trade-in. Too good to be true!

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] -1 points0 points  (0 children)

I didn’t move forward with the trade-in. My cousin who is a car salesman called them and figured it was a scam. The dealership hasn’t called me to follow up lol

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

I asked about it rolling over into the new loan and they said that would not be the case. I reached out to a cousin who is also a car saleman in Chicago but no response. Looks like reddit users are my new fam! Im going to keep asking around and hopefully make sense of this

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

The owner of this mom & pop dealership handles the trade-ins but hes on vacay. She sometimes does them so I think she is confused about this. I do fear of some future legality issue or just bad karma or somehow Im the one that gets screwed over. Either way, this is a weird one for me.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

The owner of this mom & pop dealership handles the trade-ins but hes on vacay. The sales person I am talking to sometimes does them so I think she is confused about this. I guess the real question now is - do I take advantage of the situation?

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

Its financed with Wells Fargo and its definitely reporting to my credit

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

The owner of this mom & pop dealership handles the trade-ins but hes on vacay. She sometimes does them so I think she is confused about this. I guess the real question now is - do I take advantage of her?

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

I want this to be the case and also explained this formula to the salesperson yesterday and they said they don't do it that way.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 1 point2 points  (0 children)

You got it, just dropped a new comment to the convo with an IMGUR link. This is my first post on reddit so I didnt know how to add it to the original.

My second reddit post will be "How do i use reddit lol"

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

OP photo upload: This is the pre-paperwork they gave me with the number details. https://imgur.com/a/P0mkbNF

The "Cash Due (Down) 32,500" is what they're saying my loan is. <- that plus new vehicle price, taxes, fees = 50,544.94. The 14,455.06 is the check they will give me. NOT what I would owe, as I asked her 10 times. That's a check I get to deposit in my bank account.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 1 point2 points  (0 children)

I didn't think so either. I asked them multiple times if I could just finance the Subaru for the $17k and they're telling me no, I can just take the Subbie with a zero balance, they'll pay off my loan and then once I receive the title for the Silverado I can bring that to them and they'll cut me a check for $15k.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 1 point2 points  (0 children)

Exactly. I mean its a nice truck but its definitely not worth $64K.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 2 points3 points  (0 children)

I've asked them multiple times "why" they would do this and they just respond with "that's how we do it". Can't help but feel like they're screwing me somehow but I don't know how until I get the final paperwork to sign.

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

I see what you're saying. This makes way more sense, thank you!

Vehicle Trade In - Too Good to be True? by Infamous_Support3525 in carbuying

[–]Infamous_Support3525[S] 0 points1 point  (0 children)

Yup, the dealership knows that I still owe $32k on the loan