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  1. You can take the depreciation and interest write off which would equal your entire payment assuming a 5 year loan and 5 year depreciation period.
  2. Too many people buying cars they can't afford with easy credit and stupid long loan periods.
  3. Just an FYI the Genesis cars lease like crap. A G80 will run you north or $600 a month not including the upside down amount.
  4. I agree with #4. You know what you have in your current vehicle, you know how it has been maintained and driven. Now if it has not been maintained and/or its been abused unload it and go with #3.
  5. IMO you are asking for trouble. You need to take the emotion out of it. The actions (including your own) show that the intent was always for Navy to hold lien on the title. If you push too far and this ends up in court you will lose. You criticize the ethics of the rep from NFCU but your actions far cross the line here. You are getting a $22-$26k car for $18k, take the deal and move on. Or don't and test NFCU's reputation for being aggressive in pursuing litigation. Your choice.
  6. Looks like the thread was deleted. It doesn't even show in my "Threads You've Participated In" anymore. We'll have to see if the wireless router does anything else with the CB data
  7. To a CU a $2k balance is not a "tiny" amount. If this were CapOne or another CC issuer I would tend to agree with you Rocket. However - this is a member owned credit union and is very very likely to sue. Yes, even over a "tiny" $2k balance. You are correct that OP does not identify the CU or what the letter actually said and everyone guessing is making educated assumptions. If this debt were defaulted along with another $5k credit product (OP does not identify but another poster referred to it) then I would all but guarantee that the CU will be filing.
  8. Linx - this makes no sense. I'd request an accounting for the loan. If they refuse file a complaint with CFPB. Sounds like something underhanded going on.
  9. You owe $300k on it, what is the value as it sits right now?
  10. Check prequal on Discover and CapOne for a start
  11. Car dealers have had high turnover forever. Yes there are some that stay in one place for a long time but IMO that is the minority. My neighbor is a Finance Manager at a high volume Toyota dealer. In the last 5 years he has been at 2 different Ford dealerships, 1 Lexus store, an Infiniti store, an Acura store and then Toyota. He is constantly being recruited by other dealerships. The grass is greener mantra is alive and well in the industry.
  12. Just to clarify your statements. You stated that this was approved as an "in house" mortgage? So this is not a FHA/Fannie/Freddie backed mortgage?
  13. Edmunds has forums dedicated to each car and their lease pricing - from residuals to MF and incentives. Currently shopping for a new lease for DW and have found it to be invaluable when negotiating with dealers.
  14. I have had 3 auto loans with Wells Fargo Dealer Services and 1 with Wells Fargo Financial. I never had a bad experience with them.

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