 Is there anybody here who has never been overdrawn at the bank? |
where has everyones self control gone...if you cant afford it, wait and save up!
Additional Details
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paula | How to refinance my car with bad credit? |
I had a vehicle that was finance thru my bank because i was one moth late on the payment they pick up the vehicle. got in contact with my bank was told the only way to get the car back is to refinance my car. does anyone have any suggestion how to do this. been going on the interent so far nothing at all. |
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Debt Guru
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You cannot get the car back unless you work things out with the current creditor and pay all the overdue amounts. The creditor might or might not agree to just the payment of the overdue amounts, in fact, they might insist that you pay the whole amount back plus repo charges. If they are telling you to refinance, they are probably doing that to get you off their back.
Forget about that car, go in for another car and this time use a co-signor to sign for your loan (since your credit profile now shows that there was a repossession). |
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Amanda
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first bring your credit down, or else you wont be able to.
i was just talking about that yesterday. |
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alyonafrendo
 |
Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times,
I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://www.counselingcreditcarddebt.com |
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bobblehead
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Visit this website for refinancing your car
http://www.johnacoppola.com/Refinance_Your_Car_Loan_3_Tips_For_Refinancing_Your_Auto_Loan_Online.html
You'll find great articles and tips |
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versantly
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talk to your banker. |
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paul F
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If it was reposessed no one will give u a car loan till thats of ur credit history.(7 years) but most banks will work out a plan with u if u call them and explain the situation of why u were late and how thay can help. remember they want ur money or they'll just lose it. You may need to call the bak constantly, try to be nice but stern with them, and they may just give it back to u. worst comes to works call them several times and yell that u sent the check in the mail and maybe it got lost. |
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Marc X
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In other words, your car loan is in default and the only way you can now take possession of it is to pay off the loan. Either with cash, or another loan from some other company. Although it's called re-financing, because you're replacing one loan with another, it's not really. You're just trying to secure another loan, which is going to be hard.
Considering that you've invested a good amount of money, down payment, payments up to this point, etc, to lose the car means suffering a substantial loss. Add to that, the company will add repossession fees, disposal fees, and then whatever amount they don't recover on what you owe when they auction the car. So, even after it's all gone and done with, you'll still owe more money. And they WILL come after you for it. In other words, they make their money, either way.
Technically speaking, 30 days past the due date is sufficient for default. Typically, though, most companies don't want to go through the hassle of fighting and waiting for their money after a repo, so they usually would rather agree to something that shows your ability AND intent to make up the payments and continue the loan without problems.
The first person you talk to is usually a hardass that won't negotiate. His job is to be a jerk and blow you off. You may need to go over his head and see if you can negotiate a better arrangement. If not, then they're one of those companies that HOPES that people will default. Usually they make more money in the long run on those deals. All perfectly legal, though.
Your only option, if you can't negotiate with the finance comopany, and if you can't find another loan, is to find a lawyer to represent you in an attempt to negotiate the return of your car. Even that is not hopeful and, of course, adds even more expense that you can't afford. |
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open4one
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Banks don't like repossessing cars, so they want to make really sure they don't have to repossess the same car from the same person twice. If they will agree to do the refinance themselves, you're probably going to need a cosigner.
You can buy a car that will provide basic transportation and a heater that works for about $500. The fact that most people finance cars notwithstanding, it's a poor financial decision to borrow money to buy ANYTHING that depreciates in value. |
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Mel
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Find some gullible schnook that will cosign for you |
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chris m
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sounds like your car is too expensive for your income. let it go and pay cash for your next car until you can rebuild your credit and learn better spending habits.
most lenders won't give you a car loan if you have bad credit. it's a bad investment for them since cars depreciate faster then they get paid back. |
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I pity the fool!
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Drive if off a cliff |
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ang253253
 |
unusual to repossess a car with just one month behind.
Can you talk to someone at the bank ? |
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pamela d
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well lf your credit is bad then you may want to work on bringing your credit down |
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mister.alan
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loan shark |
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Ceo
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You might want to work on getting you credit stabilized again, you will have a tough life with bad credit... talk to your banker in person... wear something nice... make a good first impression (they are everything) most bankers tell you a lot of nonsense over the phone because thats what they are paid to do. If you talk in person, wearing a nice suit or something, it will change his/her perspective.
Hope this Helps;
Zachary Downs co-CEO/ CFO of CDS (Custom Design Shirts)
www.webstarts.com/customINKorders |
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Bluelady...
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Most wait 3 months in arrears, and with many phone calls, or trying to get in contact with you. If it's a lease contract, and lease is broken, then is nu-valid, therefore they take Vehicle, and you owe nothing (providing they can sell off car, and recover a reasonable profit from sale.)
Canada's law
My best bet would say: Let them have it, and start over again.
Re read that contract over, and look for any wrong doing on the Banks default; Hold them accountable, because something doesn't sound right, or we aren't getting the whole picture here. Banks just don't call in a loan , just because one month behide payment!!! |
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Paolo J
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check out www.callusfirstfinance.com to see what the providers are after they are some non bank lenders on the panel good luck |
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