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mricon75 | Whats the best way to get rid of a car that i owe more money than its worth? |
i bought this car, it was a little pricey but i needed it for reliable transportation for my job. well, i got the job through a very close relative and it ended up being sort of a scam, i guess he needed to brag about high up in the company he was and could get me a job. well, he got me one alright, for half the pay as promised and even half the work as promised.
unfortuntly i trusted this relative and indulged on a payment which i do not want now, so...what to do now? i would like to get rid of the car, but i owe more money than its worth.
i was thinking of trading it in on a very cheap car and finacing the value loss of my current car, and maybe it would drop the payments by a bunch of money, what you all think? |
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Lianne
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If you set it on fire and the insurer decides it was fraud you could be liable for the full value of the car and criminal charges. I suggest selling it and eating the loss or trading it in for a cheaper car and eating the loss but don't keep over paying for a car you don't even need. |
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skin&bone
|
petrol
matches
oops
phone insurance company
sorted |
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DaMan
|
Excellent idea.
You will need to probably go down 2 car classes of vehicle AND buy a USED one owner Economy class vehicle probably in the 4-5 year old range.
Good luck. |
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Nerdly Stud
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Wait until a local car dealer advertises "We'll pay off your car no matter how much you owe!" and then unload it. |
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Munster
 |
That's all you can do. If you're willing to take the loss, sell it. Use the money to refinance the existing loan. Only problem is the bank won't talk to you about a new loan if you're not employed. |
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bekkibex
|
plus if you burn it i think insurers only pay out the street value? |
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JizzMopper L
 |
if i was you, i'd set it on fire and then report it stolen, then the insurer will pay for the loss and you're out |
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Jonathan
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Check the small print - maybe they will buy the car back off you as a trade-in or at your loss. |
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SunnyDays
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You will have to pay any outstanding credit on the car before you can trade it in or sell it |
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Brutus
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You will still owe the amount of the original loan. Start taking the bus. |
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audrey_o
 |
Don't set fire to it...These insurance companies are often triple wide when it comes to pay outs and will examine every little detail....ie..is the ignition broken? If not did you leave the key in the car???
It's dodgy...and very often they only pay out what the car's value is and not what you owe so you could have no car and finance still to pay.
Hardly worth a criminal record for fraud...
Is there any one you know who needs a car and is willing to take over the finance for it? There are lots of people out there who need transport but can't get credit..you could be offering them a solution.
Some finance companies will accept the car back and you have to pay a re-settlement fee which is usually about 1/3 of the price of the car.
Phone them and see what they suggest.
Good Luck. |
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gordon.gibson2@btinternet.com
 |
burn it |
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Scott C
 |
See if you can get a loan for the difference (what you owe vs. what it's worth), then buy a cheap car until you can pay off all your debt. Using this technique, you should be able to reduce your overall debt.
Scott..... |
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Northernbloke
 |
There is small print in your contract. If you default on the payments and you have paid less than a 1/3rd then they can take the car back without any warning. If you have paid between 1/3rd and 2/3rd´s then they have to get a court order to re posses it. If you have paid over 2/3rd´s of the loan then you can hand the car back and that is that. I have done the third option myself and they weren´t´t too happy about it, but that's the law. They even left the car outside my house for about 6 weeks and never collected it. So been a bit canny I cashed in the road tax and changed the name on the owners documents. They then rang me when they got the owners documents from Swansea asking me what was going on. I said that it was nothing to do with me as I had handed it back. Get it up yer self. |
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simonavitch
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Yes you can trade it in but not without clearing your debt at the same time so you will be worse off.
I would.
Settle the debt.
Sell it privately.
Buy a model you know at a car auction.
If you can't settle the debt ask your lender to spread it over a longer period but check the small print.
Don't blame yourself it was the rat's fault. |
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