Life Advising a friend.

Micjones · 07:03 PM

So there's this girl at my job who is currently having a Hell of a time with her car dealership. It's one of those "buy here, pay here" lots. Her last car was repo'd after she missed a couple payments so she's been scrambling to find reliable transportation. Turns out that she moved a bit too quickly and took a flyer on a 2002 Ford that has upwards of 100K miles on it. A car that also brings with it a financial responsibility of right around $10,000. Obviously she's going to come out on the losing end of the deal. In all likelihood...the car will shoot craps long before she sees the light at the end of that contract.

So she tells me she's going to ask the dealership to refund both her first few payments and the initial down payment she remitted when she bought the car. Getting that money back is her end game.

I'm trying to talk some sense into her and help her realize that getting that money back at the expense of having this reported as another repo on your credit isn't a fair trade-off.

Am I wrong to suggest to her that the dealership is under NO legal responsibility to let her out of that contract?

She swears that she's going to get another car with an even LESS reputable lot. I tell her that they're going to see the open car loan and tell her to hit the bricks.

She's one of those people who talks her way out of everything with customer service personnel. But those are significantly smaller battles. Removal of NSF fees, refunds on hotel stays, etc. She's convinced she's going to win this fight. I think she's in BIG trouble.

Am I off-base here?

12-16-2009, 06:22 PM	Topic Starter
Micjones Whose house? Join Date: Mar 2007 Location: KCMO Casino cash: $10005180	Advising a friend. So there's this girl at my job who is currently having a Hell of a time with her car dealership. It's one of those "buy here, pay here" lots. Her last car was repo'd after she missed a couple payments so she's been scrambling to find reliable transportation. Turns out that she moved a bit too quickly and took a flyer on a 2002 Ford that has upwards of 100K miles on it. A car that also brings with it a financial responsibility of right around $10,000. Obviously she's going to come out on the losing end of the deal. In all likelihood...the car will shoot craps long before she sees the light at the end of that contract. So she tells me she's going to ask the dealership to refund both her first few payments and the initial down payment she remitted when she bought the car. Getting that money back is her end game. I'm trying to talk some sense into her and help her realize that getting that money back at the expense of having this reported as another repo on your credit isn't a fair trade-off. Am I wrong to suggest to her that the dealership is under NO legal responsibility to let her out of that contract? She swears that she's going to get another car with an even LESS reputable lot. I tell her that they're going to see the open car loan and tell her to hit the bricks. She's one of those people who talks her way out of everything with customer service personnel. But those are significantly smaller battles. Removal of NSF fees, refunds on hotel stays, etc. She's convinced she's going to win this fight. I think she's in BIG trouble. Am I off-base here? Last edited by Micjones; 12-16-2009 at 07:03 PM..
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