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diesel66

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About diesel66

  • Birthday 07/19/1978

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  • Location
    Atl, Georgia
  • Interests
    Elect another Republican, and watch this country go to the dogs...
  1. APPROVING BANK Capital One Auto Finance (Blank Check) BUREAU PULLED Equifax CREDIT SCORE 592 CUSTOMER STATE OF RESIDENCE GA NEW/USED Used YEAR OF VEHICLE 2011 MILEAGE 4200 RETAIL/LEASE Retail AMOUNT OF LOAN 28363 ADVANCE PERCENTAGE 96% TERM CONTRACTED 72 APR/LEASE RATE 10.48 MONTHLY PAYMENT 535 MISCELLANEOUS COMMENTARY: BK-7 discharged 9 months ago. This is my 2nd auto loan since discharge. Applied online for Cap1 Blank Check, was asked to fax in my DL and one paystub no older than 40 days. Loan approved for $30,000 with 110% LTV. They required the dealer to fax 3 things- copy of the buyer's order, a like invoice on the car I bought (2011 Ford Explorer), and a copy of the front and back of the completed blank check. Included 3 Cap1 CC accounts in my bankruptcy. Ironically, I applied for a Cap1 CC 2 days before this loan app and one day after, declined both times for the credit card!
  2. APPROVING BANK: ALLY BANK (GMAC) BUREAU PULLED: EQUIFAX, Transunion CREDIT SCORE: Equifax 530, TU FAKO 490 CUSTOMER STATE OF RESIDENCE: Georgia NEW/USED: USED YEAR OF VEHICLE: 2011 MILEAGE: 23500 RETAIL/LEASE RETAIL: RETAIL AMOUNT OF LOAN: $16650 ADVANCE PERCENTAGE: ? TERM CONTRACTED 72 APR/LEASE RATE: 9.39 MONTHLY PAYMENT $302.89 MISCELLANEOUS COMMENTARY:40 days post BK-7 discharge. Had a previously paid off GMAC loan from 2008. Down payment of $4000 cash + $1000 trade.
  3. I hope you're right about the F&I guy calling in a favor.... I signed the new and revised 9.39% APR contract stating Ally Financial as my lender on the 10th. Checking my inquiries today on Equifax, I noticed someone named Gateway One Financial made an inquiry on the 12th. The dealer shook hands on my new contract, looked me in the eye and promised that it was a "done deal." Why is he still shopping around?
  4. I appreciate the responses. My paranoia stems (and very understandably so) from the sudden drop in interest rate, especially the 9.39% 2 months post chapter 7 discharge. The first time they did a "spot delivery" after quoting me the higher interest rate and I am concerned they might come back and pull that again.
  5. Maybe. But when something sounds too good to be true... Can they still call me back in and tell me that they weren't able to do it? I mean I did have a signed contract the first time as well.
  6. I am 2 months out of Chapter 7. Needed a new car and went in to a local Nissan dealer on Monday to see what I could get. Do not have any debt at the moment and my only major fixed expense is my $600 rent monthly. My pre-tax income is about $3600 mo. The dealer showed me a used 2011 Kia Sorento (23K miles) which I liked. He said Santander would finance at 20.89% for 72 months. I put $5000 down and signed the contract with a monthly payment of $441. The dealer calls me this morning and tells me that he needed me to come in today and sign a new contract because he had found a much better deal with Ally Financial (GMAC) and now my payments would be $374 with all the other things remaining the same (he was trying to throw in additional warranty and GAP insurance too). I went in and was able to renegotiate the sales price down by $1500. The new payments are supposed to be about $302. I have already signed this new contract today. What my question is- Does this seem fishy to you too? I mean, from 20.89% down to 9.39% is a lot of saving, but this soon out of bankruptcy? What do you think? S/N- I did have a GMAC loan up until 2007 which I had paid in full. Would this be why why they are giving me a better deal? Thanks!
  7. Thanks for all the replies. Actually I am all set to max out my Roth with automatic deductions in the next 2 months. Anyone have more ideas?
  8. I have roughly $1000-$1200 every month after expenses which I have been depositing in a Sallie Mae high yield savings account (1.4%). No debt except for $13000 in student loans (which are currently under deferment while I work on my Master's degree). I contribute my 4% max (with 100% employer matching) to my 403b plan at work. I also just started a Roth IRA with Vanguard and bought into a mutual fund for $3000, just to get some experience. My question is- Any ideas how I could maximize this $1000/mo to provide a decent return? What do you guys suggest?
  9. Last two digits of my ssn are 00. No deposit here yet!
  10. I would say you're fighting for a lost cause!!
  11. Not to hijack OP's thread, but what if the guy is not buff, has a little bit of a beer belly, wears glasses? What would you think then?
  12. Saj284. Not sure if he's still active. He also goes by dcb284.
  13. I don't know where I I got that from, but I was under the impression that I would have to file suit in the seller's state! Can anyone tell me how I could file a lawsuit and where I would need to go without hiring an attorney?
  14. UPDATE: After a 14 page fax containing an explanation letter, police report, and supporting documentation, Hooter Card have finally ruled– IN FAVOR OF THE FRAUDULENT SELLER!!!!! They say that there is nothing further they can do for me because the seller provided a tracking number. Yeah right! The tracking number he provided is for the USPS Flat envelope containing the listing pictures he mailed me. I just don't know what to do at this point! I simply cannot go down to Miami to file a lawsuit against this guy. Does anybody have ANY suggestions. The police department have not even bothered to get back to me despite my 2 trips down to the precinct. I'm pretty sure that they are not planning to do anything at all, especially since it's been almost 5 months.

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