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re: Did I just get a free truck?
Posted on 9/16/14 at 1:07 pm to LNCHBOX
Posted on 9/16/14 at 1:07 pm to LNCHBOX
quote:
What I don't get is why can't OP just agree to the terms credit union offered and prepay to where he pays no extra in interest than he would have with original terms?
he didnt say it but they could be wanting a higher rate and longer term
if they lengthened the term but didnt increase the rate, he's dumb for not accepting the counter, but they are dumb for making that counter, so i doubt thats what happened
1
Posted on 9/16/14 at 1:09 pm to Croacka
When people receive Adverse Actions in the mail, it's usually because the application was either declined, or the credit union did not agree to the terms on the original application. The F&I manager calls the CU and works it out with a buyer. Terms are agreed and paperwork is signed.
The CU still has to send an Adverse Action, because they did not agree to original terms of the application.
The CU still has to send an Adverse Action, because they did not agree to original terms of the application.
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