help! just bought a 2008 civic ex sedan...for $23,600

SVT-2 · 02-25-2008, 01:34 AM

Hello everyone. I bought this car today and so far after reading what people paid for their civic's I feel ripped off. the msrp is $19,510 with no navi. After test driving the car, my dad, the dealer and I went inside and started talking. He told me the total cost with tax and other fees would come to $22,00. I told him that's too much and asked for $19,000. He said he can't do it so we settled at $21,00 out the door price. This was fine to me. Then came another gentlemen who was in charge of calling the banks and the paperwork. He told me with my credit score of 622, Only bb&t will give me the loan considering I have another car under my name which payment's are $333 a month. He told me with no money down I would pay $495 a month. I told him no way, I wanted $350. He said it's impossible considering my credit score, no money down. So I told him $400. He checked with his boss and came back saying that some money down it can happen. I told him I can only do $1000 down. He came back and said $425 with $1000. Then I told him I can only pay that with out the money down. He told me this is very hard to do. He came back and said the lowest is $440 with 7 year warranty and GAP. After thinking about and considering it with my dad I agreed. We shook hands and went to his office. There he gave me the papers to sign. While I read all of them and noticed the $700 gap charge, the $574 Resource life insurance charge, and the $1,300 extended warranty charge, I was under he impression this was all included and still $21,000 out the door. All the while we're having a nice conversation and I was pretty happy because I finally had the car I wanted. Then the last paper he had me sign read the total amount financed is $23,600. I asked him why this price and he responded that it's with all we talked about included. I signed anyways. I walked out and talked to my brother and he told me he bought his new 2006 ex sedan with navi for $23,000 out the door. I started worrying a little bit. Then I came to this forum and really worried after seeing the price most of you guys paid for the same car. I need to cancel the gap, the extended warranty, and the life insurance coverage which all of these add up to $2,600 which is what changed the final price from the $21,00 I was told. When I go back to the dealer tomorrow can I cancel these and if I can will I be able to readjust my monthly payment? If not what can I do? I feel sick to my stomach, and I feel ripped off. Sorry for the long story. Any help would be greatly appreciated. Thank you.

eXTCspeed · 02-25-2008, 01:39 AM

Uhm. Not to make you feel even worse than how you probably feel at the moment. But, I'd suggest you try to get a refund on the extended warranty and the GAP stuff. I paid even less than that for my NBP FG2 and I purchased it when they still had mark ups on them.

FusionSi11 · 02-25-2008, 01:42 AM

damn...sorry dude...i think you just made him salesman of the month...hell...SALESMAN OF THE YEAR!!

i bought my 06 Si when it first came out and when the prices werent negotiable (only MSRP) and paid a total of $22500...no GAP, no extended, and they got you with a life insurance charge?!?!? WTF is that?? get ur own life insurance somewhere else and get that cancelled. Refund all the extras man. If you're going to be paying that much...might as well get an Si. Good luck homie.

SVT-2 · 02-25-2008, 01:50 AM

thanks for responses. do you think $21k is a good price? How should I approach the salesman tomorrow regarding these refunds and can my monthly payments be readjusted?

reaper702 · 02-25-2008, 01:51 AM

extended warranty is fully refundable within 60 days so cancel that ASAP. cancel the gap if you don't need it or have it with your car insurance company. the life insurance (WTF?) cancel that shit asap too. they should be refunded to your principal so your payments should remain the same. next time, ask the questions and review EVERYTHING before you sign...

SVT-2 · 02-25-2008, 01:57 AM

Quote:

Originally Posted by reaper702

extended warranty is fully refundable within 60 days so cancel that ASAP. cancel the gap if you don't need it or have it with your car insurance company. the life insurance (WTF?) cancel that shit asap too. they should be refunded to your principal so your payments should remain the same. next time, ask the questions and review EVERYTHING before you sign...

Will do. I hope this goes well otherwise I might be stuck with a sour taste in my mouth for a long time.

jeremy0203 · 02-25-2008, 02:01 AM

f that shit man, i know some states have like a 2 or 3 day period in which you can take the car back, i would take that shit back and shop around more. you can get an si for cheaper than that

emopains · 02-25-2008, 02:02 AM

hot damn, you got screwed

SVT-2 · 02-25-2008, 02:03 AM

Can anybody give me advice as to how to approach the salesman tomorrow. What type of questions to ask or any other advise to solve this problem? thank you.

TopSecretSI · 02-25-2008, 02:03 AM

Holy Crap I paid 22k otd for my 07 Fiji SI with car alarm and gap wtf???

***Whocares05050*** · 02-25-2008, 02:05 AM

You got RIPPED! Go back, cancel the EX warranty, and GAP.

2008 SI With GAP OTD for 22,500 here

***david3558*** · 02-25-2008, 02:06 AM

Wow, sorry to hear that! I paid $23,000 out the door for my 2008 Si Sedan.

***darna*** · 02-25-2008, 02:08 AM

I dunno where u from but in California there is no cooling off period which means just because you may think that your payment is too high or other various reasons that the sale can be canceled - it cannot. The moment you complete the sale and take physical delivery of your car (drive off the lot), there is no cooling off period in which to return the vehicle and rescind the sale.

spocheld · 02-25-2008, 02:08 AM

Wow man, sounds like they got you for a couple BS charges. I would definitely cancel the gap and get it through your car insurance company, it's usually like $5 a month. And the life insurance WTF?!? You should have walked out when you saw the final total, they would have called you tomorrow begging you to come back and offered a lot better deal. That's what I did when my finance and I bought her car, they were ripping us off on the trade in, so we walked. They called the next day offering exactly what I was asking for

SVT-2 · 02-25-2008, 02:14 AM

thank you for the replies. Does 21k out the door sound reasonable for 2008 auto ex sedan without navi?

ojefferyo · 02-25-2008, 02:27 AM

wow i can't believe all the things they sell you these days. i paid $24,500 OTD for my SI with Navi and summer tires.

civicracer32 · 02-25-2008, 02:29 AM

Former car salesman here...

Did you drive it home yet, or is it still at the dealership? If you haven't driven it off the lot after taking ownership of it, you're ok. Also, since you did the deal on the weekend and the paperwork hasn't been submitted to the bank yet(possibly) you may be able to pull off the gap, extended warranty and other stuff.

SVT-2 · 02-25-2008, 02:33 AM

Quote:

Originally Posted by civicracer32

Former car salesman here...

Did you drive it home yet, or is it still at the dealership? If you haven't driven it off the lot after taking ownership of it, you're ok. Also, since you did the deal on the weekend and the paperwork hasn't been submitted to the bank yet(possibly) you may be able to pull off the gap, extended warranty and other stuff.

I drove it home. So if it has already been processed to the bank the ext warranty and gap can't be taken off or will it just be very complicated?(fees etc.)

civicracer32 · 02-25-2008, 02:34 AM

BTW, auto or manual trans?

SVT-2 · 02-25-2008, 02:37 AM

Quote:

Originally Posted by civicracer32

BTW, auto or manual trans?

auto.

02-25-2008, 01:34 AM	#1 (permalink)
SVT-2 Junior Member Join Date: Feb 2008 Posts: 15 iTrader: 0 / 0%	help! just bought a 2008 civic ex sedan...for $23,600 Hello everyone. I bought this car today and so far after reading what people paid for their civic's I feel ripped off. the msrp is $19,510 with no navi. After test driving the car, my dad, the dealer and I went inside and started talking. He told me the total cost with tax and other fees would come to $22,00. I told him that's too much and asked for $19,000. He said he can't do it so we settled at $21,00 out the door price. This was fine to me. Then came another gentlemen who was in charge of calling the banks and the paperwork. He told me with my credit score of 622, Only bb&t will give me the loan considering I have another car under my name which payment's are $333 a month. He told me with no money down I would pay $495 a month. I told him no way, I wanted $350. He said it's impossible considering my credit score, no money down. So I told him $400. He checked with his boss and came back saying that some money down it can happen. I told him I can only do $1000 down. He came back and said $425 with $1000. Then I told him I can only pay that with out the money down. He told me this is very hard to do. He came back and said the lowest is $440 with 7 year warranty and GAP. After thinking about and considering it with my dad I agreed. We shook hands and went to his office. There he gave me the papers to sign. While I read all of them and noticed the $700 gap charge, the $574 Resource life insurance charge, and the $1,300 extended warranty charge, I was under he impression this was all included and still $21,000 out the door. All the while we're having a nice conversation and I was pretty happy because I finally had the car I wanted. Then the last paper he had me sign read the total amount financed is $23,600. I asked him why this price and he responded that it's with all we talked about included. I signed anyways. I walked out and talked to my brother and he told me he bought his new 2006 ex sedan with navi for $23,000 out the door. I started worrying a little bit. Then I came to this forum and really worried after seeing the price most of you guys paid for the same car. I need to cancel the gap, the extended warranty, and the life insurance coverage which all of these add up to $2,600 which is what changed the final price from the $21,00 I was told. When I go back to the dealer tomorrow can I cancel these and if I can will I be able to readjust my monthly payment? If not what can I do? I feel sick to my stomach, and I feel ripped off. Sorry for the long story. Any help would be greatly appreciated. Thank you.

02-25-2008, 02:08 AM	#13 (permalink)
*darna* Tang Na! Join Date: Nov 2006 Location: anaheim Age: 34 Posts: 2,607 christian iTrader: 6 / 100%	I dunno where u from but in California there is no cooling off period which means just because you may think that your payment is too high or other various reasons that the sale can be canceled - it cannot. The moment you complete the sale and take physical delivery of your car (drive off the lot), there is no cooling off period in which to return the vehicle and rescind the sale. __________________ *The last time I was inside a woman was when I went to the Statue of Liberty*

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02-25-2008, 01:39 AM	#2 (permalink)
eXTCspeed Senior Member Join Date: Jun 2007 Age: 20 Posts: 782 iTrader: 2 / 100%	Uhm. Not to make you feel even worse than how you probably feel at the moment. But, I'd suggest you try to get a refund on the extended warranty and the GAP stuff. I paid even less than that for my NBP FG2 and I purchased it when they still had mark ups on them.

02-25-2008, 01:42 AM	#3 (permalink)
FusionSi11 Senior Member Join Date: Jan 2006 Location: home of the BULLS/BEARS/CUBS and Manila Posts: 872 Reese iTrader: 0 / 0%	damn...sorry dude...i think you just made him salesman of the month...hell...SALESMAN OF THE YEAR!! i bought my 06 Si when it first came out and when the prices werent negotiable (only MSRP) and paid a total of $22500...no GAP, no extended, and they got you with a life insurance charge?!?!? WTF is that?? get ur own life insurance somewhere else and get that cancelled. Refund all the extras man. If you're going to be paying that much...might as well get an Si. Good luck homie.

02-25-2008, 01:50 AM	#4 (permalink)
SVT-2 Junior Member Join Date: Feb 2008 Posts: 15 iTrader: 0 / 0%	thanks for responses. do you think $21k is a good price? How should I approach the salesman tomorrow regarding these refunds and can my monthly payments be readjusted?

02-25-2008, 01:51 AM	#5 (permalink)
reaper702 Senior Member Join Date: Jul 2006 Location: Sin City Age: 21 Posts: 3,818 iTrader: 6 / 100%	extended warranty is fully refundable within 60 days so cancel that ASAP. cancel the gap if you don't need it or have it with your car insurance company. the life insurance (WTF?) cancel that shit asap too. they should be refunded to your principal so your payments should remain the same. next time, ask the questions and review EVERYTHING before you sign...

02-25-2008, 02:01 AM	#7 (permalink)
jeremy0203 Senior Member Member Join Date: Jun 2007 Location: Saint Marys, GA Age: 22 Posts: 2,432 Jeremy iTrader: 6 / 100%	f that shit man, i know some states have like a 2 or 3 day period in which you can take the car back, i would take that shit back and shop around more. you can get an si for cheaper than that

02-25-2008, 02:02 AM	#8 (permalink)
emopains Senior Member Join Date: Aug 2007 Location: Phoenix, Arizona Age: 20 Posts: 2,065 Marcus iTrader: 0 / 0%	hot damn, you got screwed

02-25-2008, 02:03 AM	#9 (permalink)
SVT-2 Junior Member Join Date: Feb 2008 Posts: 15 iTrader: 0 / 0%	Can anybody give me advice as to how to approach the salesman tomorrow. What type of questions to ask or any other advise to solve this problem? thank you.

02-25-2008, 02:03 AM	#10 (permalink)
TopSecretSI Senior Member Join Date: Aug 2007 Location: Bay Area Posts: 386 Scott iTrader: 0 / 0%	Holy Crap I paid 22k otd for my 07 Fiji SI with car alarm and gap wtf???

02-25-2008, 02:06 AM	#12 (permalink)
*david3558* TW FA5 <3 Join Date: Feb 2008 Location: Diamond Bar, CA Posts: 1,251 David iTrader: 8 / 100%	Wow, sorry to hear that! I paid $23,000 out the door for my 2008 Si Sedan.

02-25-2008, 02:08 AM	#14 (permalink)
spocheld Senior Member Join Date: Sep 2006 Location: Fresno, CA Age: 25 Posts: 1,238 Jeff iTrader: 2 / 100%	Wow man, sounds like they got you for a couple BS charges. I would definitely cancel the gap and get it through your car insurance company, it's usually like $5 a month. And the life insurance WTF?!? You should have walked out when you saw the final total, they would have called you tomorrow begging you to come back and offered a lot better deal. That's what I did when my finance and I bought her car, they were ripping us off on the trade in, so we walked. They called the next day offering exactly what I was asking for

02-25-2008, 02:14 AM	#15 (permalink)
SVT-2 Junior Member Join Date: Feb 2008 Posts: 15 iTrader: 0 / 0%	thank you for the replies. Does 21k out the door sound reasonable for 2008 auto ex sedan without navi?

02-25-2008, 02:27 AM	#16 (permalink)
ojefferyo Senior Member Join Date: Oct 2007 Location: Gas Pedal Abuser Posts: 320 Jeff iTrader: 0 / 0%	wow i can't believe all the things they sell you these days. i paid $24,500 OTD for my SI with Navi and summer tires.

02-25-2008, 02:29 AM	#17 (permalink)
civicracer32 Senior Member Join Date: May 2007 Location: SAN DIEGO Posts: 469 iTrader: 1 / 100%	Former car salesman here... Did you drive it home yet, or is it still at the dealership? If you haven't driven it off the lot after taking ownership of it, you're ok. Also, since you did the deal on the weekend and the paperwork hasn't been submitted to the bank yet(possibly) you may be able to pull off the gap, extended warranty and other stuff.

02-25-2008, 02:34 AM	#19 (permalink)
civicracer32 Senior Member Join Date: May 2007 Location: SAN DIEGO Posts: 469 iTrader: 1 / 100%	BTW, auto or manual trans?