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Posted on 8/10/17 at 1:36 pm to GaryMyMan
quote:
Are you hopped up on your pain pills?
You signed a loan knowing it was a bad rate... you planned to refinance when you got home... you want Hyundai to refinance their own loan at a lower rate than you agreed... and now your "only option is to pay the fee and have it refinanced through the bank"?
But 20 paragraphs up you said you planned to refi when you got home anyway?
Good lord, son. Lay off the uppers.
I think his biggest issue is the fraud committed to induce him to go forward with this deal. An attorney could get him out of the deal, but it doesn't make any sense financially.
Op, refinance asap. The dealership will get charged back for the amount they made on your financing. Let them keep as little of your money as possible.
Posted on 8/10/17 at 1:42 pm to Gusoline
quote:
Hit a huge patch of running water with cruise control set on 50 in a 70. No, I don't.
On I-20? What was the deal? Was it raining? Where did the water come from? I'm only asking because I drive 20 a lot and have never seen a hazard like that.
I do agree though that Hyundais are safe vehicles these days.
Posted on 8/10/17 at 1:43 pm to Gusoline
I would be outside that dealership starting @ 9:00 am Saturday morning with a sign saying this dealership cheated and lied to me Do Not Buy Here!
I promise you by noon management would be offering whatever it took to make you disappear!
I promise you by noon management would be offering whatever it took to make you disappear!
Posted on 8/10/17 at 1:43 pm to Gusoline
NOBODY SCREWED YOU
YOU AGREED TO THE TERMS
WHY IS THIS SO DIFFICULT TO UNDERSTAND??
YOU AGREED TO THE TERMS
WHY IS THIS SO DIFFICULT TO UNDERSTAND??
Posted on 8/10/17 at 1:45 pm to Gusoline
(no message)
This post was edited on 5/21/25 at 9:18 am
Posted on 8/10/17 at 1:46 pm to PoppaD
quote:
On I-20? What was the deal? Was it raining? Where did the water come from? I'm only asking because I drive 20 a lot and have never seen a hazard like that.
I do agree though that Hyundais are safe vehicles these days.
1-20 aroudn Aiken SC, Heading West not far from Augusta.
A pretty heavy but short storm had just come through. Everyone was going 35 with their flashers on. It had been cleared up for about 10 min And I didnt see any more big wet spots so I sped on up to 50. I guess cruise control was a mistake. But every other time ive gotten loose from water it just wiggled and I at least had time to adjust and slow down. As soon as this thing hit it was already spinning. Luckily the section of interstate was divided through tree line so When i spun off left I went into trees and not into oncoming traffic.
Posted on 8/10/17 at 1:48 pm to lnomm34
quote:
Were you using cruise control while driving in the rain? What do you mean by 'running water'?
I was, It had stopped raining 10 min prior. 20 ft section had water running over it, like from a hill off the side and pouring over. I told the state trooper I was going 50 and He still gave me a ticket for " too fast for conditions" even with no witnesses.
What got me was the section being so wide. the tires never had a chance to re grip to anything. 70K radials with only about 5-6K on them. tread was good.
This post was edited on 8/10/17 at 1:50 pm
Posted on 8/10/17 at 1:51 pm to LSUTigerBait07
I have a Hyundai. Told them I was pre approved not to worry about financing. Dealer said I'm sure I can beat it, turned around grabbed a binder off his desk and said whats your interest rate. I said 0.9% for 60 mths. He picked up the binder and said we cant be that and asked for the info of the bank I was financing through.
You can absolutely have a good experience buying one, I just wouldn't go with the one that the OP went too.
Also OP, call you credit union and refinance at 3.9% thats way better than 8.9%
You can absolutely have a good experience buying one, I just wouldn't go with the one that the OP went too.
Also OP, call you credit union and refinance at 3.9% thats way better than 8.9%
Posted on 8/10/17 at 1:53 pm to Gusoline
Wow that is crazy. You must have hydroplaned bad. I've driven thru all kinds of storms in a Hyundai without issue. I even drove a rental Hyundai Santa Fe from the Texas Panhandle up to Denver in about a foot of snow And never lost traction.
The good part of all this is your still alive without to many injuries. Refinance the vehicle ASAP and hit the dealer with the charge back.
The good part of all this is your still alive without to many injuries. Refinance the vehicle ASAP and hit the dealer with the charge back.
This post was edited on 8/10/17 at 1:55 pm
Posted on 8/10/17 at 1:54 pm to PoppaD
I put part of the blame on OP too. The dealer pulled some shady shite though by lying to OP that was he declined through the credit union when he was actually approved at a much lower rate than the dealer financing was. Dealer was just worried about getting that financing kickback, even if it meant screwing the customer. Dealer deserves to be put on blast IMO
Posted on 8/10/17 at 1:58 pm to NYNolaguy1
quote:
1)never buy a new car
2)if you ignore 1), never finance it
Clown response.
Posted on 8/10/17 at 2:00 pm to Gusoline
I think this is a little game dealers are playing these days. The last 2 cars I have purchased tried this crap on me. I had financing arranged prior to making the purchase but they told me they could beat the approved rate I had and showed me they could, then the next day (both times) called to tell me a mistake had been made and the rate was 1/2 to a full point higher. Since I had already been approved with my bank, I got out of their scam, but now I hear stuff like this. I've heard a few others with similar type stories.
Posted on 8/10/17 at 2:07 pm to Gusoline
quote:
Im gona be out of work for the next 2 months and its gonna be another week before i get my check for the old car. sorry for being responsible?
Yep, a six year loan on a car is the most responsible thing a broke person can do.
Posted on 8/10/17 at 2:08 pm to LNCHBOX
quote:
Clown response.
Is it? Buying a brand new car is generally a bad idea, generally because it depreciates so quickly, that you'll never get anything close to your money back at resale.
Then if you finance it you get double fricked by paying interest on a depreciating asset.
Its not a good financial move.
Posted on 8/10/17 at 2:26 pm to Wtodd
quote:
Oh yeah, a shitload of Hyundai dealerships are POS
My first car buying experience was with a POS Hyundai dealerships in Covington. They must be everywhere. Thank goodness I walked out.
Posted on 8/10/17 at 2:31 pm to NYNolaguy1
quote:
Is it?
Yes.
quote:
Buying a brand new car is generally a bad idea, generally because it depreciates so quickly, that you'll never get anything close to your money back at resale.
Irrelevant if you're not buying a new car every year.
quote:
Then if you finance it you get double fricked by paying interest on a depreciating asset.
Irrelevant because you'd also be financing a used one, and paying a higher rate.
quote:
Its not a good financial move.
A lot of things aren't good financial moves. I'll take putting my family in a car with the newest safety tech and a known history that I picked every option on and know no one has fricked up.
Posted on 8/10/17 at 2:35 pm to NYNolaguy1
quote:
Then if you finance it you get double fricked by paying interest on a depreciating asset.
Paying cash doesn't stop the depreciation. The financial aspect of cash vs finance hinges on the rate and the opportunity cost.
This post was edited on 8/10/17 at 2:36 pm
Posted on 8/10/17 at 2:39 pm to slackster
quote:
Paying cash doesn't stop the depreciation. The financial aspect of cash vs finance hinges on the rate and the opportunity cost.
This. Plus most cars are financed at almost 0% with good credit.
Posted on 8/10/17 at 2:47 pm to LNCHBOX
quote:
Irrelevant because you'd also be financing a used one, and paying a higher rate.
Your first point is debatable, bit if you arent buying a new car often, you have a point in buy new with all thr latest safety stuff.
But that still leads back to my first point on why not to finance a depreciating asset like a car. But I also abhor debt, so you can disagree with me there if you wish.
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