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 Do you reconcile your bank statements regularly? |
Or do you not bother?
Additional Details
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 Hey Guys, I just had a quick question. If I buy 10 Xbox 360's and sell them on ebay, is that illegal? |
Additional Details
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fhousley1972 | Can a car finance company force you to take payment protection and other additional insurances.? |
A car company has said they will only let us take car finance if we take all the additional insurances. Is this legal. |
 |
 
Raine
|
i am not sure if this is legal, but i certainly would not be buying a car using this finance company.
try other finance company's and see what there policies are. |
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CK
|
No, those are optional. Of course they can still turn you down if they feel they have good reason for making that stipulation. If you are financing the car for more than the value they can require you to have extra protection as part of the deal. They can not force you to buy accidental death and disability (optional). |
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Moofie's Mom
 |
Hi!
If you really want to go with this company, then do so, and take out the payment protection etc.
However, with these insurances etc., you have a 14 day 'cooling off' period, so you can cancel once you have the money, goods etc.
That is the CONSUMER LAW!
This is also a good bartering tip when trying to get the best price on 'consumables'. NEVER pay the price you see. Be nice to the salesman/woman and ask them what their best price is. They may tell you that if you take out the 'insurances' or 'warranties' they can knock a percentage off. (They'll be getting commission on selling them to you). Tell them you'll accept it (if that price is agreeable to you). Then cancel the 'insurances' or 'warranties' under the 14 day cooling off period.
Simple!
I've done this and IT WORKS!!
Hope this helps!! |
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skyrider
 |
A finance company cannot force you to take payment protection insurance. If you are looking for a car loan go to www.swiftfacilities.com. They sorted loans for me and my mates even those who had credit problems. |
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jlchaplin21
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No way!! |
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MARTIN D
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NO........Apply online at www.surefirefinance.co.uk they will get you a loan and are completely ethical. When you apply they will get back to you with an offer of how much you can borrow and how much it will cost (this varies depending on your credit history) you can buy a car from any dealer in the UK not just from the place you applied for finance from. They helped me and I was very pleased with their service. |
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purpleskym1
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If the finance company is through the actual car dealer (affiliated with) than they could do that to ensure they will be protected. Sort of like a "pmi" for a home. |
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happy trucker
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No they try to sell you this because they make money by getting commission from the insurance company's |
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kj
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nope look else where for finance and report em |
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ALLAN T
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NO THEY CANT IF YOU DONT WANT TO I HAD THE SAME PROBLEM |
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Dr David
 |
They can only advise you, not make demands. Payment protection can be a good idea, but read the small print, it is not always as good as it looks. So long as you have suitable insurance for your car, there should be no problems. They may just be trying to get extra commission from other company's. If in doubt, shop around for better deals. |
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Mr Glenn
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No. |
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?
 |
I live in California and we bought 2 vehicles.
Both times the lender (different company each time) said they would not give us the loan if we did not keep comprehensive insurance on the vehicle until it's paid off.
It did not matter who the insurance coverage was with, they just wanted THEIR investment protected.
Yes I believe it's legal. |
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