Return the si

Pbkilla1337 · 06-19-2007, 03:45 PM

I have a question about returning my car. i posted it here because i dont know if different laws require different things... but i wanted to return my si because when i went to finance i was not told that the total cost plus interest brought my car up to 43 thousand dollars so i was wondering if i could return before making my first payment, if it would effect anything and how to do it.

biglos · 06-19-2007, 03:53 PM

Quote:

Originally Posted by Pbkilla1337

I have a question about returning my car. i posted it here because i dont know if different laws require different things... but i wanted to return my si because when i went to finance i was not told that the total cost plus interest brought my car up to 43 thousand dollars so i was wondering if i could return before making my first payment, if it would effect anything and how to do it.

43k???? WTF?!??!?!?!?!?

SR20DE_MAN · 06-19-2007, 03:53 PM

Hmmm... You might want to see about getting a lawyer, 'cause chances are that your credit will now be screwed, unless your state has some kind of "cooling off" period.

If you don't mind, how much did you put down & what are your monthly payments & for how many months / years?

Pbkilla1337 · 06-19-2007, 03:56 PM

0 down, 600 a month for 72

**CameronJr9** · 06-19-2007, 03:58 PM

Wow! That's unheard of. You'll definitely want to talk to the dealership about that. You may need to see a lawyer.

With financing, I think in the end, I have to pay an extra $1500-2000 with my 5 year loan. There's no way you should have to pay an extra $20,000. Paperwork is messed up somewhere, or you need to refinance that car now with a co-signer to get your interest rate down. What is your interest rate? 50%?

Civic4u · 06-19-2007, 03:59 PM

Holly CRAP!!!!!!

43K......wooow! If you sign the contract you stuck with it.

Yeeep! Better get yourself a lawyer...

SR20DE_MAN · 06-19-2007, 04:01 PM

Wow, wow, wow! Didn't you have a calculator with you when you signed the papers? I mean damn! That's insane! Yes. You might definitely want to contact a lawyer or see if the dealer is willing to rework the deal. Is your credit good? First time buyer? Did they tack on some other services that you are unaware of? Your deal could've also been kinda fraudulent or falsified, but if you did sign the papers, knowing how much it was going to cost.... Yeah. You might want to see a lawyer now.

Hopefully you can take care of this.

With that kind of money, you could have bought a Mitsubishi Lancer Evolution 9 or a Subaru Impreza WRX STi.

Pbkilla1337 · 06-19-2007, 04:07 PM

yeah i got all kinds of insurance and this was my first time buying a car i think the interest rate is 12% plus i had to carry 800 from the car i traded in but when i went through finance he didnt say anything about 43 thousand

EDIT- lol no because if i bought a 40 thousand dollar car it would be 80 thousand with interest

SR20DE_MAN · 06-19-2007, 04:23 PM

Wow man! That's still way too much money. I could be paying about $600 for a brand spanking new EVO or STi for the next 60 months with 0 down right now if I wanted to. You might want to eliminate some of those "insurances". The only thing that I would suggest is the GAP insurance. Nothing else. You might want to get your own insurance as well, if you haven't already.

Pbkilla1337 · 06-19-2007, 04:27 PM

im a first time buyer. i can return the car i just dont have another 1 to drive for the time being

biglos · 06-19-2007, 04:29 PM

dude thats insane. GL with whatever you do

SR20DE_MAN · 06-19-2007, 04:30 PM

If you don't want to mess up your credit, contact a lawyer.

If you don't mind, then you can return it. Just keep in mind that it's going to get twice as hard & even more expensive to buy any car or house or apply for a credit card in the future. Getting a school loan will also be quite costly... Think about it really good.

You can also put it in the paper & have someone try to take over the payments as well. You might have to give them some extra money to take it off you.

Good luck! ( ^o^)/

BATANG CITY JAIL · 06-19-2007, 04:34 PM

Quote:

Originally Posted by SR20DE_MAN

If you don't want to mess up your credit, contact a lawyer.

If you don't mind, then you can return it. Just keep in mind that it's going to get twice as hard & even more expensive to buy any car or house or apply for a credit card in the future. Getting a school loan will also be quite costly... Think about it really good.

You can also put it in the paper & have someone try to take over the payments as well. You might have to give them some extra money to take it off you.

Good luck! ( ^o^)/

he can get another car, but he has to put a big down payment and have a co-signer... same goes on the house...

SR20DE_MAN · 06-19-2007, 04:35 PM

^ Thats what I meant with twice as hard & more expensive. Hahaha! (^o^ )

KrusT 954 · 06-19-2007, 04:35 PM

Wow. Just wow. Thats it...

**Nomar06** · 06-19-2007, 04:37 PM

How is the rate so high???? My friend had a forclosure on his credit and he was still getting 10%

***AbsoluteGG*** · 06-19-2007, 04:38 PM

Can't you get the dealer to buy back the car without hurting your credit?

inyong1988 · 06-19-2007, 04:41 PM

can you sue them?

rivas240sx · 06-19-2007, 04:41 PM

Deude?!!?!?! Thats higher than the intrest on my credit card...

I hate stealerships... how do these people sleep at night...

2f2fc1v1c · 06-19-2007, 05:09 PM

$43K ????????

man i got mine ex and wife's hybrid for 40K

get lawyer and sue them

GOOD LUCK

06-19-2007, 03:45 PM	#1 (permalink)
Pbkilla1337 Member Join Date: May 2007 Location: Irving, Tx Age: 20 Posts: 35 John iTrader: 0 / 0%	Return the si I have a question about returning my car. i posted it here because i dont know if different laws require different things... but i wanted to return my si because when i went to finance i was not told that the total cost plus interest brought my car up to 43 thousand dollars so i was wondering if i could return before making my first payment, if it would effect anything and how to do it.

06-19-2007, 03:58 PM	#5 (permalink)
CameronJr9 Join Date: Feb 2006 Location: Louisville, KY Age: 28 Posts: 26,334 Back and Forth Forever iTrader: 6 / 100%	Wow! That's unheard of. You'll definitely want to talk to the dealership about that. You may need to see a lawyer. With financing, I think in the end, I have to pay an extra $1500-2000 with my 5 year loan. There's no way you should have to pay an extra $20,000. Paperwork is messed up somewhere, or you need to refinance that car now with a co-signer to get your interest rate down. What is your interest rate? 50%? __________________

06-19-2007, 04:07 PM	#8 (permalink)
Pbkilla1337 Member Join Date: May 2007 Location: Irving, Tx Age: 20 Posts: 35 John iTrader: 0 / 0%	yeah i got all kinds of insurance and this was my first time buying a car i think the interest rate is 12% plus i had to carry 800 from the car i traded in but when i went through finance he didnt say anything about 43 thousand EDIT- lol no because if i bought a 40 thousand dollar car it would be 80 thousand with interest Last edited by Pbkilla1337; 06-19-2007 at 04:13 PM.

06-19-2007, 04:37 PM	#16 (permalink)
Nomar06 Join Date: Jul 2006 Location: Charlotte, NC Age: 27 Posts: 25,156 iTrader: 7 / 100%	How is the rate so high???? My friend had a forclosure on his credit and he was still getting 10% __________________

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06-19-2007, 03:53 PM	#3 (permalink)
SR20DE_MAN Senior Member Join Date: Oct 2006 Location: Shredding up tires on a twisty canyon road. Age: 32 Posts: 132 SR20DE MAN iTrader: 0 / 0%	Hmmm... You might want to see about getting a lawyer, 'cause chances are that your credit will now be screwed, unless your state has some kind of "cooling off" period. If you don't mind, how much did you put down & what are your monthly payments & for how many months / years?

06-19-2007, 03:56 PM	#4 (permalink)
Pbkilla1337 Member Join Date: May 2007 Location: Irving, Tx Age: 20 Posts: 35 John iTrader: 0 / 0%	0 down, 600 a month for 72

06-19-2007, 03:59 PM	#6 (permalink)
Civic4u Senior Member Join Date: Jul 2006 Location: Humble, TX Posts: 6,667 iTrader: 7 / 100%	Holly CRAP!!!!!! 43K......wooow! If you sign the contract you stuck with it. Yeeep! Better get yourself a lawyer...

06-19-2007, 04:01 PM	#7 (permalink)
SR20DE_MAN Senior Member Join Date: Oct 2006 Location: Shredding up tires on a twisty canyon road. Age: 32 Posts: 132 SR20DE MAN iTrader: 0 / 0%	Wow, wow, wow! Didn't you have a calculator with you when you signed the papers? I mean damn! That's insane! Yes. You might definitely want to contact a lawyer or see if the dealer is willing to rework the deal. Is your credit good? First time buyer? Did they tack on some other services that you are unaware of? Your deal could've also been kinda fraudulent or falsified, but if you did sign the papers, knowing how much it was going to cost.... Yeah. You might want to see a lawyer now. Hopefully you can take care of this. With that kind of money, you could have bought a Mitsubishi Lancer Evolution 9 or a Subaru Impreza WRX STi.

06-19-2007, 04:23 PM	#9 (permalink)
SR20DE_MAN Senior Member Join Date: Oct 2006 Location: Shredding up tires on a twisty canyon road. Age: 32 Posts: 132 SR20DE MAN iTrader: 0 / 0%	Wow man! That's still way too much money. I could be paying about $600 for a brand spanking new EVO or STi for the next 60 months with 0 down right now if I wanted to. You might want to eliminate some of those "insurances". The only thing that I would suggest is the GAP insurance. Nothing else. You might want to get your own insurance as well, if you haven't already.

06-19-2007, 04:27 PM	#10 (permalink)
Pbkilla1337 Member Join Date: May 2007 Location: Irving, Tx Age: 20 Posts: 35 John iTrader: 0 / 0%	im a first time buyer. i can return the car i just dont have another 1 to drive for the time being

06-19-2007, 04:29 PM	#11 (permalink)
biglos Senior Member Join Date: Oct 2006 Location: Houston Age: 24 Posts: 745 Rowboat Productions Inc iTrader: 3 / 100%	dude thats insane. GL with whatever you do

06-19-2007, 04:30 PM	#12 (permalink)
SR20DE_MAN Senior Member Join Date: Oct 2006 Location: Shredding up tires on a twisty canyon road. Age: 32 Posts: 132 SR20DE MAN iTrader: 0 / 0%	If you don't want to mess up your credit, contact a lawyer. If you don't mind, then you can return it. Just keep in mind that it's going to get twice as hard & even more expensive to buy any car or house or apply for a credit card in the future. Getting a school loan will also be quite costly... Think about it really good. You can also put it in the paper & have someone try to take over the payments as well. You might have to give them some extra money to take it off you. Good luck! ( ^o^)/

06-19-2007, 04:35 PM	#14 (permalink)
SR20DE_MAN Senior Member Join Date: Oct 2006 Location: Shredding up tires on a twisty canyon road. Age: 32 Posts: 132 SR20DE MAN iTrader: 0 / 0%	^ Thats what I meant with twice as hard & more expensive. Hahaha! (^o^ )

06-19-2007, 04:35 PM	#15 (permalink)
KrusT 954 Member Join Date: Jun 2007 Location: Tamarac FL Age: 26 Posts: 54 Chris iTrader: 0 / 0%	Wow. Just wow. Thats it...

06-19-2007, 04:38 PM	#17 (permalink)
*AbsoluteGG* Camry Loverz Join Date: Oct 2006 Location: Tampa, Florida Age: 18 Posts: 7,283 Steven iTrader: 0 / 0%	Can't you get the dealer to buy back the car without hurting your credit?

06-19-2007, 04:41 PM	#18 (permalink)
inyong1988 Senior Member Join Date: Jun 2006 Posts: 18,842 iTrader: 43 / 96%	can you sue them?

06-19-2007, 04:41 PM	#19 (permalink)
rivas240sx Senior Member Join Date: Oct 2006 Location: Houston, Texas Posts: 255 Christian iTrader: 0 / 0%	Deude?!!?!?! Thats higher than the intrest on my credit card... I hate stealerships... how do these people sleep at night...

06-19-2007, 05:09 PM	#20 (permalink)
2f2fc1v1c Senior Member Join Date: Jun 2007 Location: Powder springs,GA Age: 24 Posts: 537 FG#361-FA#97 iTrader: 0 / 0%	$43K ???????? man i got mine ex and wife's hybrid for 40K get lawyer and sue them GOOD LUCK

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