Repaholics Support Group (17)

[twob4me]

TwoB what happened to your car?

Our 4 yr lease is up next week on the 21st. We have to have the car back by then. We had tried to finance it but they turned us down. Said debt to income ratio which I don't understand because we have been paying ALL our bills on time (Thank God ) for well over 8 yrs now. Credit score is excellent. Paid all our bills on what we are making now with plenty left over.

GMAC LIED to me several times on the phone. Not to mention we were told when we leased the car that we could finance it at the end of the lease and our payments would be the same or pretty close to the same.

We were paying $220 a month. I found out Monday, talking to someone from GMAC on the phone, that our payments would have gone up to $322 a month!! We could have still made that payment and had been alright but I wouldn't pay that much for a used vehicle.

So we have been trying to find a car now for almost 2 weeks. We have less than a week to find one and I'm stressing over it really bad. I feel strongly to not lease another car or even finance a car through our bank or elsewhere. I feel led to buy a used car out right and save the money that would have been used for car payments.

 

[twob4me]

I will be praying about your car situation.

Thank you.

 

[edie19]

I agree, I enjoy the fellowshipping that goes on here, and I've missed it too. I am on a case that has me working 10 hours a day, and I have to go in again tomorrow too and that's why I haven't been here.

There seems to be some unhappiness elsewhere on the boards about this subforum, and I am a little annoyed by it. It's the same thing that's been said for a long time, that people should "earn" their reps, that ours aren't legit. I tried to say that this area isn't just about reps, it's about fellowship and that you all have been kind and generous to me and my family and that's why I'm here. The reps, while appreciated, are an afterthought. I mean, really. Nadiine's asked people not to rep her, twob has said no need to rep her, she's happy spreading them around and I know others have too. I just want to shout COME UP HERE AND GET TO KNOW US AND THEN SAY ALL WE CARE ABOUT ARE THE GAUDY NUMBERS!

Meh. Thanks, I kinda feel better now.

your post makes me think - I keep meaning to ask, but never do - is JD initials for your name, or is it (as I have suspected and based on a comment above believe to be correct) juris doctorate?

edie

 

[Auncy]

Our 4 yr lease is up next week on the 21st. We have to have the car back by then. We had tried to finance it but they turned us down. Said debt to income ratio which I don't understand because we have been paying ALL our bills on time (Thank God ) for well over 8 yrs now. Credit score is excellent. Paid all our bills on what we are making now with plenty left over.

GMAC LIED to me several times on the phone. Not to mention we were told when we leased the car that we could finance it at the end of the lease and our payments would be the same or pretty close to the same.

We were paying $220 a month. I found out Monday, talking to someone from GMAC on the phone, that our payments would have gone up to $322 a month!! We could have still made that payment and had been alright but I wouldn't pay that much for a used vehicle.

So we have been trying to find a car now for almost 2 weeks. We have less than a week to find one and I'm stressing over it really bad. I feel strongly to not lease another car or even finance a car through our bank or elsewhere. I feel led to buy a used car out right and save the money that would have been used for car payments.

I'll be praying for you also TwoB. God knows what you need and his timing is perfect.

 

[edie19]

Good morning, everyone! Is today a lazy Saturday for everyone, or do you have lots of exciting plans?

taking the grandboys to Horton Hears a Who


I' homing that Logan won't think it's "vewy scawy"

 

[Auncy]

taking the grandboys to Horton Hears a Who


I' homing that Logan won't think it's "vewy scawy"

Aww! have fun with the grandboys Edie!


I'm out of reps until 9pm I'll rep you all later.

 

[twob4me]

I'll be praying for you also TwoB. God knows what you need and his timing is perfect.

Thank you. I agree but it doesn't feel that way sometimes when you're walking through the crisis.

 

[FallingWaters]

 

[Auncy]

Thank you. I agree but it doesn't feel that way sometimes when you're walking through the crisis.

I know how you feel.

Hi FW. That's a pretty Heart

 

[A New Dawn]

Our 4 yr lease is up next week on the 21st. We have to have the car back by then. We had tried to finance it but they turned us down. Said debt to income ratio which I don't understand because we have been paying ALL our bills on time (Thank God ) for well over 8 yrs now. Credit score is excellent. Paid all our bills on what we are making now with plenty left over.

GMAC LIED to me several times on the phone. Not to mention we were told when we leased the car that we could finance it at the end of the lease and our payments would be the same or pretty close to the same.

We were paying $220 a month. I found out Monday, talking to someone from GMAC on the phone, that our payments would have gone up to $322 a month!! We could have still made that payment and had been alright but I wouldn't pay that much for a used vehicle.

So we have been trying to find a car now for almost 2 weeks. We have less than a week to find one and I'm stressing over it really bad. I feel strongly to not lease another car or even finance a car through our bank or elsewhere. I feel led to buy a used car out right and save the money that would have been used for car payments.

$322 a month for a 4 year old car????????? We don't even pay that for a brand new one! I'd look around more for one that is more reasonably priced.

I'll keep you in my prayers, twob.

 

[rmw8855]

taking the grandboys to Horton Hears a Who


I' homing that Logan won't think it's "vewy scawy"

The review I heard this morning said every age group should enjoy it so I think you are safe. Have fun with the boys

 

[twob4me]

$322 a month for a 4 year old car????????? We don't even pay that for a brand new one! I'd look around more for one that is more reasonably priced.

I'll keep you in my prayers, twob.

Exactly my look when I heard it too. GMAC will rob you blind if you let them. I told them I was going to tell everyone I know about how they treat their customers. I said for every one customer you lose you lose about 5 others by word of mouth alone.

I think they would rather you be stuck with a lease so that they can get more money out of you. Our credit score went up 30 points in 2 years. I think our credit history with them for 4 years should speak for itself. I told the guy I guess paying on time every month for 4 years was all for nothing. I know it's not in the long run but still. I do think because I got REAL nasty with them on the phone with how they were doing things and lying they uped the price to that and came back with the reason of debt to income ratio.

Thank you for the prayers.

 

[edie19]

The review I heard this morning said every age group should enjoy it so I think you are safe. Have fun with the boys

that's what I've heard too - I love Dr. Seuss (although only the original Grinch - the one with Jim Carrey didn't interest me at all)

and apologies for my typing - it was supposed to read I'm hoping.

 

[A New Dawn]

that's what I've heard too - I love Dr. Seuss (although only the original Grinch - the one with Jim Carrey didn't interest me at all)

and apologies for my typing - it was supposed to read I'm hoping.

We are going to see Horton today, too. I was kind of hesitant because of Jim Carrey's portrayal of the Grinch, and he plays Horton, too, I believe, but since it's animated, we're giving it a try.

 

[edie19]

We are going to see Horton today, too. I was kind of hesitant because of Jim Carrey's portrayal of the Grinch, and he plays Horton, too, I believe, but since it's animated, we're giving it a try.

that's exactly my thinking (I'm not a Jim Carrey fan)

 

[Gazelle]

 

[Gazelle]

that's exactly my thinking (I'm not a Jim Carrey fan)

I know just what you mean . . . Why is he in so many children's movies . . . I won't take my grandchildren to movies he is in at all . . .

 

[sentipente]

reps

 

[FallingWaters]

 

[RoseyK]

Just sniffing around for some reppies. Didn't mean to scare your cat Falling Waters.