Posts Tagged ‘Car Shopping’

Ugh…Ugh…Ugh…

Our history with vehicles is a rough one, a road that was dredged over time with more downs than ups…started in 2000 when I bought my first vehicle, two months out of college I purchased my first vehicle a 2000 Chevy S-10, it was a two seater pick-up truck that worked well for me and my hubs during the time we had it, then just under a year and a half later I got preggers with my son and we had to look into trading in my truck – with negative equity on that it was more than difficult to do.

2000 Chevy S10

But we managed and a dealership was able to get us into a 1999 Oldsmobile Alero – we drove that thing for several years until about 2007 when it died.

full-1999-Oldsmobile-Alero_17205_1

And we traded it in for a 2005 Pontiac Vibe – that worked well for us too until my husband lost his job in 2008 and it was repossessed in Spring 2009

used-2005-pontiac-vibe-basetrim-7729-3112052-2-400

For five months we were without a vehicle until my husband’s church came together and bought us trust rusty aka a 1999 Dodge Caravan that had 100,000+ miles on it and a very rusty bottom.  We ended up replacing the brake lines + exhaust system – we drove trusty rusty for 2.5 years before the transmission went on that one.

1996-dodge-caravan-267-p2

We traded that in for a 2000 Ford Focus with 100,000+ miles on it too – as you all know that ran for us up and down until a wreck last year, 2014 in February; our insurance totaled it and we used the funds the insurance gave us enough money to pay off the loan and put a down payment on a new vehicle.

2000-2004_Ford_Focus_SE_sedan

It was then we bought Bessie – she had 108,000 miles on her and ran very well for us – sure we replaced the radiator in Sept. 2014 and since then have been up and down with her since – then I got into another wreck in December 2014, something happened and I crashed into a Yield Sign post in a parking lot causing damage to the steering column, the tire, the entire driving system basically, $1,600 worth of damage.  We had to pay a $250 deductible on the repairs – but before she was turned back over to us we sent her over to the Service Department on site with the dealership we sent her to and it turns out the Radiator, the Transmission and possibly the engine needed work – they were saying that it was possible the head gaskets needed replacing/fixing, there was so much pressure built up inside the transmission/coolant system that they couldn’t even get the cap off…quoted me somewhere around $8K for repairs.

2005 Chevy Venture

So today we made the difficult decision to trade her in and purchase a new vehicle – now being upside down on the loan it was not easy, we got lucky that a dealership here in town was willing to work with us – a different one from the one we took her to for the repairs – and they’ve put us into a 2014 Dodge Caravan, our down payment was $500 and our monthly payment will be $538.30 *OUCH* I am not even going to think about right now the insurance payment – ugh we’re gonna be bankrupt in the near future…I just pray Citi is able to get us into a more affordable payment arrangement once our trial plan is done.

New Van 2014 Dodge Caravan

So that’ the latest on us – we’re off-loaded the rental car, took care of Bessie (I actually teared up turning over the keys and Bessie…I’m gonna miss her) and are hopefully on our way to smoother roads – the plan is to keep this thing until it dies! I am done with car payments, once these are done I am done for quite sometime!

February Calendar

Well February wrapped up to be a chaotic month, what with the accident and all the subsequent headaches and stress that goes along with accidents! Oy they are but a pain the arse for sure.  I sincerely felt like the whole time it was either fate and destiny pushing us towards our new van all along, or it was just purely something to push us to our outer most limits…but I honestly feel like everything worked out the way it was supposed to…I summarized our shopping trip in another post here you can read about our adventures on Friday…I sincerely hate Car shopping (as I am sure a lot of people do…though there are some crazy’s out there who actually enjoy the process…um WHAT?!?!?)

High Interest Rate As you all probably know with any new car purchase comes the headache of a car payment  and while we were nearly done with our payments on the Focus, we’re now back-ended into  almost two more years of payments on the van…honestly we’re going to try and pay  it off  sooner rather than later, as the interest rate at the Buy-Here, Pay-Here lot was something like  29% and that just HURTS!  Seriously we’re paying $150.00/bi-weekly which works out to something like 20 months worth of payments on the van…and…the best part is that if we miss just one payment they are going to come SNATCH the van…seriously there’s a GPS Device in it that’ll disable it on the lot until the back-due payments are made…WOW! Talk about OUCH! So now we really have to stay on top of these payments….

Chapter 13

Our mortgage however, yeah, not sure what to do about that…we’re seriously struggling to figure that out  – I’ve worked it so that something is going to Citi each week so that they are getting a portion of a monthly payment – doesn’t change the fact that  out –we’re back due until the beginning of December.  I’ve re-applied for the 3rd time for a modification, highly doubt they’ll do anything about it as our interest rate is already under market value, so who knows…if this doesn’t work sadly we’re looking at Chapter 13 Bankruptcy, it’s really the only option we have at this point – we’re in way over our heads and I feel like we’re drowning…we’re totally house-poor at this point and finding a rental isn’t really an option because of our six animals (and giving up ANY of them is SERIOUSLY NOT an Option! We don’t roll like that!)

Ok so now onto why we’re here, the budget – I’ve just lumped the remainder of our tax return into the overall numbers because we had to use it to pay the down payment on the van, so please to enjoy:

 $1,142.49 Remaining from W/E 02/23/14  $436.52 Lara W/E 03/02/14 Salary, Pay Date 03/07
 $261.82 Amt. Spent  $287.53 Jimmy W/E 03/02/14 Salary
 $880.67 Avail. Starting  $724.05
 $15.00 Savings for X-Mas ’14  $880.67 Avail. Starting
 $31.00 TGIFriday’s  $724.05 Total Pay
 $6.16 Citgo  $1,604.72 Avail. For Bills
 $4.17 Starbucks  $1,279.63 Settlement for Car
 $27.41 Gas Center  $2,884.35
 $34.50 GS Troop #1327
 $4.76 KTC
 $8.75 Checkers
 $3.85 Red-Box
 $30.00 Kwik Kuts
 $7.47 Dollar Tree
 $7.33 GameStop
 $77.79 Wal-Mart
 $3.63 PetsMart
 $261.82

 

Um yeah we TOTALLY overdid it with our spending this past week…I am well aware of that fact – I did have to put Gas into the rental on Friday as you have to turn them in with a full tank or they charge you an exorbitant amount of money per gallon of gas to refill it, and then we decided to get some movies, a steering wheel cover, air fresheners for the car and some socks for  my hubby at Wal-Mart on Sunday and that turned into the $77.79 you see above…Ooops!

 $2,884.35
 $1,750.00 Down Payment on Car
 $1,134.35
 $225.00 Citi
 $909.35
 $70.00 Brigades Boys & Girls Club
 $839.35
 $200.00 Groceries
 $639.35
 $25.00 Dinner, 03/07
 $614.35
 $40.00 Cat & Dog Food
 $574.35
 $25.00 Jimmy’s Money
 $549.35
 $62.68 Gas
 $486.67
 $5.00  Tate & Kirlin, 03/10 Auto-Draft
 $481.67
 $85.00  LAS Financial
 $396.67  $396.67
8%  $31.73
 $31.73  $364.94

 

Ok I will note three things here:

1. LAS Financial, Inc. is the Buy-Here, Pay-Here on lot Finance Company – our bi-weekly payment works out to $150.00 or rather $75.00/week – I figure paying them just a little more each week puts more on the principle, thus lowering what we’re paying in interest and overall.

2.  The van has a 25-Gallon tank and is costing me more to fill-up, though it’s almost double the tank size of the Focus, so I am hoping that a fill-up will last me two weeks, we shall see.

3.  The insurance premium on the van is going up to $80.00/mos vs. the $64.44 we were paying on the Focus and this is because it’s a newer vehicle.

So there we are! Hope you have enjoyed!

Images borrowed from:
http://www.commons.wikimedia.org
http://www.debt-relief-programs.com
http://www.wjflotow.com

Ok so remember how we said we were going to try and figure out a way to still be able to purchase a new vehicle through our existing finance company – well we did talk with them and as it turns out they suggested we go to one of the dealerships they work with directly as we’d have better luck  with one of them if they used Credit Acceptance.  So that’s exactly what we did, we nailed it down to one particular dealership, Jeff Gordon Chevrolet, here in town – initially we started with the Pre-Owned group – test drove a nice Subaru Outback and looked at another HHR – we decided ultimately the HHR would suit our needs better than the Subaru – so we run the application for financing and BAM declined.  Well no real surprise there as we owed $3600 worth of negative equity on the Focus.  So then our salesman suggested we look at a new model vehicle as the incentives they had running would cover the negative equity and we’d have better luck getting into one of those.  Ok so they have us test drive a 2013 Chevy Malibu – to say we fell in love with the vehicle is a VAST understatement.  Run the financing and BAM we’re approved! Holy CROW are you friggin serious? Yup! Ok so we go through the process of some back & forth negotiations and ultimately agree on a $494.75/mos payment @ 8.99% interest rate with $900.00 down payment! We sit down with the finance guy, sign all the papers and they give us a dealer tag on the condition we get something from Citi showing we’re either approved for the restructure (which we weren’t) or we’re current on the mortgage (which we’re not) – so we take them a letter yesterday we rec’d at the same time as the reject letter stating they’ve received our paperwork and it’s in processing for the next 30-Days….well that’s a no go with the bank…DAMN! We drove around that wonderful new model car for four days only to have to give it back last night…I am so ticked! We knew what was going to happen but we prayed for a miracle.  The finance team told us our credit alone was what got us the approval but the bank dug a lot deeper and decided the restructure was a no go…so we’re back in the Focus.

Now I am one to believe in Fate and Destiny so much that I know without a doubt that there’s something bigger or better for our situation out there – something else is going to land in our laps and this was just Fate’s way of saying – Nope there’s no way you’d have been able to afford that monthly payment with the increased Insurance Payment (which would have been $106/mos) so that’s what an additional $199.00 a month we would have had to try and squeak out of our already tight budget?  Yeah probably for the best.

So where are we now? Well Jimmy’s applied for an employee hardship assistance through his employer to help us with the back due on the Mortgage, if that goes through we’ll be even with Citi.  If not, then we’re talking Chapter 13 bankruptcy…not ideal but it is what it is.

With all of that being said here’s last week’s budget – you’ll see the transfer in from savings for the down payment and then the payment out to the dealership for the down payment – I am picking up the check to refund our down payment this evening after work and that’s going back in the budget for Week Ending 06.21.13…

 $54.86 Remaining from W/E 07/07/13  $493.48 Lara W/E 07/14/13 Salary
 $40.40 Amt. Spent  $251.79 Jimmy W/E 07/14/13 Salary
 $14.46 Avail. Starting  $745.27
 $11.30 McDonald’s  $14.46 Avail. Starting
 $3.51 McDonald’s  $745.27 Total Pay
 $1.61 PetsMart  $759.73 Avail. For Bills
 $3.02 KTC  $730.00  Transfer in from Savings
 $6.39 OnStar  $1,489.73
 $5.00 Coastal Behavioral  $6.53 Adj
 $3.18 PetsMart  $1,483.20
 $6.39 OnStar
 $40.40

 

 $1,483.20
 $25.00 DB Plumbing
 $1,458.20
 $80.00 Brigades Boys & Girls Club
 $1,378.20
 $5.00 OT Solutions
 $1,373.20
 $7.99 Hulu.com, 7/21 Auto-Draft
 $1,365.21
 $5.00 CCA, 7/22 Auto-Draft
 $1,360.21
 $21.39 Blockbuster, 7/23 Auto-Draft
 $1,338.82
 $170.00 Groceries
 $1,168.82
 $25.00 Jimmy’s Money
 $1,143.82
 $25.00 Dinner, 7/19
 $1,118.82
 $40.00 Gas
 $1,078.82
 $25.00 Cat & Dog Food
 $1,053.82
 $20.00 Lara Co-Pay
 $1,033.82
 $900.00 Jeff Gordon Chevrolet
 $133.82
 $75.00 Progress Energy
 $58.82

And now with the cash withdrawal:

 $1,483.20
 $25.00 DB Plumbing
 $1,458.20
 $80.00 Brigades Boys & Girls Club
 $1,378.20
 $5.00 OT Solutions
 $1,373.20
 $7.99 Hulu.com, 7/21 Auto-Draft
 $1,365.21
 $5.00 CCA, 7/22 Auto-Draft
 $1,360.21
 $21.39 Blockbuster, 7/23 Auto-Draft
 $1,338.82
 $320.00 Cash for the Week
 $1,018.82
 $900.00 Jeff Gordon Chevrolet
 $118.82
 $75.00 Progress Energy
 $43.82

Seriously the whole situation makes me want to throw up – so I am going to try and not think about it

Lesson Learned: Don’t count your chickens until your eggs hatch – meaning make sure you have absolutely everything in line before you even think about trying to finance a new car…we always seem to make the same mistake when car shopping…we have less than a year left on this loan and with the increased payments I am hopeful we can pay it off sooner or be within 2-3 payments before payoff come tax time next year…crossing my fingers!

Seriously??!?! So here’s a mid-week update to keep my Friday budget post from becoming too long –

After FOUR (4) yes I said FOUR Months of waiting we FINALLY heard back from Citi about our restructure and what do you know??? It was DECLINED citing spending habits vs. actual need – so then I guess that the fact that several unexpected expenses bulked together with lost working hours was the only cause for getting (5) months behind on our mortgage??? Seriously…I understand that’s what the issue was but when we added it all up the total amount going out was more than our income and it was BAM BAM BAM one expense right after the other we couldn’t catch a break until almost Halloween…and then when we ask for help from the one place that coule provide it, yup DENIED!  I am so frustrated I don’t know where to begin.  So what do they tell us??? Pay what you can and try each month to make a full payment – um what about that $5K+ that is  back due on the loan – no answer…gee Thanks!

So now that’s finished we figure ok since one situation didn’t work out, perhaps our second one would…replacing the money pit that our car has become, a 2000 Ford Focus with 130,000 miles on it – the “new” alternator that was put in last Fall may not have been installed correctly or might not have been the only issue, I have ZERO Clue – all I do know is this – I have to ‘prime’ the engine when I stop for a red light – meaning I have to apply the brake and lightly apply the gas in order to keep the car from stalling.  And yes I still have to do this even after replacing the battery (after my 4th stall out waiting to get off property from my job)…in April…we’ve had tune-ups and oil changes done to no avail it still does it.  Then recently my brakes have decided to ‘grind’ which I know means one thing and one thing only – Roters need replacing – those suckers are pricey as all get out – fun right?? NOPE!

Now we’re going to try a 2nd route with maybe replacing it – my hubby thinks he might be able to talk to our finance company and see about them pointing us in the direction of a replacement/new loan through them so we can get out of the money pit it’s become…that call is being made tomorrow morning…let’s hope it works…

The only bright light that came from the last 48-hours – my Wedding Song was playing on the radio today, going to post a video here for everyone to enjoy!

 

Lessons Learned: Don’t rely on just one route to correct a problem…always map out more than solution to an issue and prioritize your housing over every other expense! Build your emergency relief fund as it’s the only way to keep yourself out of hot water later down the line!

Another Friday and this week I am just not feeling it…I really just want to go home and sleep, not surface for a few days – we’ve had a lot of hits coming at us this week, namely as it pertains to our son and some behavioral issues that are causing an uproar with our jobs…why you ask? Well because he was suspended from riding the bus to the Brigades, which in turn means he’s not going to Brigades which means that my hubby and I are having to re-work our schedules to be home with him when he gets off of school…and this on the coat tails on having already paid his tuition for this week (he was suspended on Wednesday and has been out for the last two days – he won’t be returning until next Thursday)…my boss isn’t happy AT ALL at the prospect of me having to work from home – for some reason her micro-management neediness has wavered and she’s not at all ok with me working from home – the need to keep me under thumb is just an annoyance…I want to scream at this – I told her in my interview I don’t like being micro-managed and I actually don’t work well like that…but alas she doesn’t listen to anyone but herself (I vear off topic here)…so because of the suspension my hubby and I are having to put undue pressure on our co-workers and supervisors…it really is a trickle down effect.

Added to the stress of the above, Monday being Memorial Day I was off of work – UNPAID – this has to be the biggest part of my job I hate/loathe/want to scream bloody friggin murder in my boss’ face about – taking an 8hr. hit to my paycheck is the biggest issue I have.  I did manage to work two hours on Monday, but a migraine kept me from working more – and to add to it my workload has lightened considerably as our field teams are demobing from site…again that trickle down effect – which has caused me to not have enough work to fill evening hours to make-up for Monday…STRESS STRESS STRESS!!!

Adding another layer of stress to all of this – yup you guessed it – Citi has not come back to us yet with a resolution/answer on the restructure, which is putting everything else on the back burner – buying the new car, making travel plans for the summer to visit the family in MD, and possibly getting the budget squared away so that what I pay out each bill pay period is the same for Citi…I sincerely hate that.  Each week we get a canned form letter email from our ‘Homeowner Support Specialist’ telling us there’s no update other than it’s with the final layer of underwriters – we’ve gotten the SAME email from that idiot for the last three weeks…so what are they doing? Sleeping on it? Or are they just that busy? I would prefer it if he’d just tell us that they are busy and have an abnormally large number of cases they are working on vs. the canned response  I’ve been getting.  I finally sent him a message this morning asking for something more concrete, I highly doubt I’ll get a response.

So to say that my life is a royal friggin mess is a vast understatement – the only highlight I’ve had is that my Guest Spot for the Adult Rated Blog went live yesterday, you can visit that here:  All’s Not Fair in Love and Finance I am Super Excited about this!

Alright onto why we’re here the budget – so due to the above listed circumstances surrounding Austin’s suspension his tuition next week is less (and yes I think the last two days should be carried over to next week, I’ve paid it so theoretically I shouldn’t have to pay for next week either…) so you’ll see that.  It’s a bill pay week, but our pay is so much less that it has been due to a shortage of work for Overtime (SUCKS SUCKS SUCKS!!!) so here we go:

 $208.85 Remaining from W/E 05/19/13  $543.31 Lara W/E 05/26/13 Salary
 $82.09 Amt. Spent  $218.40 Jimmy W/E 05/26/13 Salary
 $126.76 Avail. Starting  $761.71
 $21.64 World Market  $126.76 Avail. Starting
 $13.23 Target  $761.71 Total Pay
 $8.46 Pier 1  $888.47 Avail. For Bills
 $5.34 McDonald’s  $170.00 In From Savings for Car Payment
 $4.48 McDonald’s  $1,058.47
 $4.17 Barnes & Nobles Café
 $3.20 McDonald’s
 $4.97 KTC
 $1.00 Target
 $9.51 Rite-Aid
 $6.09 Shop & Go
 $82.09

I’ve had to “Borrow” $170.00 from the car down payment account in order to cover the car payment this month due to Citi’s lack of action – I had hoped to have a resolution by now, but alas that has not happened – so now we have to repay that money…thankfully, or not as the case may be, my UDR Employee Purchase plan has to be cashed out, that’s roughly $150 that’ll be coming to us within the next 10-days or so that’ll put some of that back…though I wish they could have turned it into public stock…but nope…UGH!

 $1,058.47
 $25.00 DB Plumbing
 $1,033.47
 $55.00 Brigades Boys & Girls Club
 $978.47
 $5.00 OT Solutions
 $973.47
 $48.00 Great Lakes, 6/3 Auto-Draft
 $925.47
 $170.00 Groceries
 $755.47
 $40.00 Gas
 $715.47
 $25.00 Cat & Dog Food
 $690.47
 $25.00 Jimmy’s Money
 $665.47
 $25.00 Dinner, 5/31
 $640.47
 $337.00 Credit Acceptance
 $303.47
 $250.00 CitiMortgage
 $53.47  $53.47
7%  $3.74
 $3.74  $49.73

And now with the Cash withdrawal:

 $1,058.47
 $25.00 DB Plumbing
 $1,033.47
 $55.00 Brigades Boys & Girls Club
 $978.47
 $5.00 OT Solutions
 $973.47
 $48.00 Great Lakes, 6/3 Auto-Draft
 $925.47
 $337.00 Credit Acceptance
 $588.47
 $250.00 CitiMorgage
 $338.47
 $300.00 Cash for Week
 $38.47
 $3.74 Merrill Acct Transfer
 $34.73

To say I am not happy with this is a vast understatement – hoping next pay period I can make some kind of payment to the utilities!

Well enough from Me! Have a Good Weekend Everyone!

Here we go again, it’s Friday and because we have a very busy weekend ahead of us, I opted to do the checkbook/budget/pay bills etc. during my lunch hour at work today…there’s not much to report in our world financially today – Jimmy’s off this weekend, so I am sure we’ll be getting into something, what is yet to be seen, as it depends largely on the weather.  If it’s nice we’ll head to the beach if it’s not we’ll go shoot pool or something else indoorsy.

Our mortgage restructure is still in process – got an email yesterday from Citi stating it was with the underwriters for final decision – yet when they called the other day they told me it was just with the underwriters, nothing saying it was in the final stages of completion…again that lack of communication is (utterly) frustrating.

I am making good headway with our cash savings, and this makes me very very happy, between the two spots I am stashing cash we’re just under $100.00 on hand, which for us is a LOT of money, so I am going to keep building that in hopes that we eventually have enough where I feel comfortable dumping it into an interest bearing savings account – that research to be done at a much later date as we’re no where near that quite yet.

That being said, here’s this weeks budget – hope it doesn’t depress you as much as it does me 😉

 $61.08 Remaining from W/E 04/21/13  $572.95 Lara W/E 04/14/13 Salary
 $44.62 Amt. Spent  $324.48 Jimmy W/E 04/14/13 Salary
 $16.46 Avail. Starting  $897.43
 $13.33 Target  $16.46 Avail. Starting
 $8.53 Wal-Mart  $897.43 Total Pay
 $1.29 Amazon.com  $913.89 Avail. For Bills
 $10.20 Office Max
 $7.24 Tommy’s
 $8.12 Target
 $5.14 KTC Total
 $1.07 McDonalds
 $54.92

Now this week is a bi-week, meaning there’s no bills being paid other than AT&T and that’s because I didn’t want to try and lump it in with the bills being paid next week – that and the due date is before I’d be able to get it to them before shut-off and I need our Phone/Internet to work at home right now…

 $913.89
 $20.00 DB Plumbing
 $893.89
 $70.00 Brigades Boys & Girls Club
 $823.89
 $5.00 OT Solutions
 $818.89
 $17.00 Savings for Car
 $801.89
 $5.00 CCA, 04/29 Auto-Draft
 $796.89
 $5.00 LCA, 05/01 Auto-Draft
 $791.89
 $170.00 Groceries
 $621.89
 $40.00 Gas
 $581.89
 $35.00 Dinner, 04/26/13
 $546.89
 $25.00 Jimmy’s Money
 $521.89
 $121.00 AT&T
 $400.89
 $25.00 Cat & Dog Food
 $375.89

And now with the lump sum cash withdrawal

 $913.89
 $20.00 DB Plumbing
 $893.89
 $70.00 Brigades Boys & Girls Club
 $823.89
 $5.00 OT Solutions
 $818.89
 $17.00 Savings for Car
 $801.89
 $5.00 CCA, 04/29 Auto-Draft
 $796.89
 $5.00 LCA, 05/01 Auto-Draft
 $791.89
 $300.00 Cash for Week
 $491.89
 $121.00 AT&T
 $370.89

I find something else totally ironic here – just yesterday I was reading an article on MSN Finance that said Americans are least likely to discuss Credit Card Debt with total strangers than anything else (this same article also mentioned that we as a whole were unlikely to discuss our other financial concerns including mortgages, medical debt, student loans, etc.) – and yet here I am openly sharing everything with the world to see.  Does that make me strange, an over-sharer, or just someone who is totally flipped her lid?  I’ll let you all decide!

Until next time – hold onto this: Your Debt is Your Debt, Whether you Decide to Discuss it is Entirely Yours, But Don’t Discount Those Who Truly Want to Share!

Two Words: Credit Acceptance

Those who own cars and finance them know this story all too well – you get behind, even if just a day or two, and your finance company HOUNDS you to the near point of harassment – it’s sick it truly truly is sick – I am well aware I am behind, if I’ve done my math right, I add my monthly payment ($336.96) to the past due balance ($669.34) our total due is $1,006.30, that’s roughly $250.00/week for the next 4 weeks until our next payment is due – I know this, and we’re doing our very best to catch up and make these payments – if I want to buy a new vehicle next month this is a necessity!

So then someone please tell me WHY they have their automated calling service set-up in such a way that it’ll continue to call you until you’ve either made a payment (usually for the full past due amount) or you’ve made some sort of payment arrangement with them – because I do my budgets on Fridays and payments are done bi-weekly I won’t know from this week to the next two weeks what I’ll be paying them and when until I’ve seen our paychecks (as they vary depending on the number of hours my husband and I both work, it’ll fluctuate week-to-week) and yes I’ve told them this numerous times – tried telling them they’ll get $XXX.XX a week for the duration of the loan or until I traded it in whichever came first – BUT because they can only do up to three weeks out at a time, once that three weeks is up, BAM my phone is blowing up once again…

So that’s where I’m at right now – in the last week they’ve called 14 times, sometimes up to 6 times a DAY generally starting at exactly 8am and going until abt 8:45 at night – if I don’t pick up my cell phone (which I won’t do while at work, not going to jeopardize my job to talk to them) they’ll then call the house number – so then take that 14 times to my cell phone ALONE and multiply it by 2  = 28 times in 7 days, that averages to 4 calls a day – um harassment much?!?!?! Am I the only one who feels this way???

Lesson Learned: Don’t give actual number to finance company unless you want to  be harassed!