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We can loan up to $500 to Hueytown occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
(EXCUSE THE CAPS, KEYBOARD LOCKED ON IT FROM SPILLING DRINK ON IT) SO 2 WEEKS AGO I GOT A TRUCK. THE DEALER AGREED TO PAYOFF MY OLD TRUCK AND GAVE Hueytown A GOOD DEAL ON THE NEW ONE (OF COURSE AFTER GOING BACK AND FORTH FOR AN HOUR). I GAVE THEM MY MOST 2 RECENT PAY STUBS AT THE TIME WHICH DID HAVE OVERTIME PAY ON BOTH. WHEN I FILLED OUT THE FINANCE APP FOR THE NEW TRUCK I ROUNDED OFF MY GROSS MONTHLY PAY BY $90-100 DOLLARS AND MADE IT AN EVEN NUMBER INSTEAD OF ADDING IT ALL UP. EVERYTHING LOOKED GOOD AND I WAS APPROVED FOR THE TRUCK AND I DROVE OFF THE LOT A HAPPY CUSTOMER. 5 DAYS AGO I GET A CALL FROM MY OLD FINANCE COMPANY LOOKING FOR THERE PAYMENT ON MY OLD TRUCK SO I CALLED THE DEALERSHIP AND ASKED WHY THEY DIDNT PAY IT OFF YET. THE FINANCE GUY TOLD Hueytown THAT HE DIDN'T FIGURE UP THE NUMBERS PROPERLY AND THE BANK WON'T PAY OFF THE TRUCK UNTIL I SIGN THE NEW CONTRACT. HE BEGAN TO TELL Hueytown THAT MY PAYMENTS WENT UP $16 AND MY APR WENT UP 2%. HE THEN SAID HE IS Hueytown THE PROCESS OF OVERNIGHTING Hueytown THE PAPER WORK AND HE NEEDS Hueytown TO SIGN IT SO HE CAN GET MY TRUCK PAID OFF. I SAID WELL WHAT CHANGED WE ALREADY AGREED TO A CONTRACT. HE SAID THAT HE MESSED UP WHEN HE WAS LOOKING OVER MY PAY STUBS AND THE BANK CAME UP WITH A DIFFERENT FIGURE WITHOUT MY OVERTIME. WE THEN ARGUED THAT MY OVERTIME PAY WAS MY HARD EARNED MONEY SO WHAT IT HAD OT PAY ON IT. I SAID "YOU NEEDED MY LAST 2 PAY STUBS AND AT THE TIME THATS WHAT I GAVE YOU." HE AGREED WITH Hueytown AND SAID THAT HE IS STILL FIGHTING WITH THE BANK TO KEEP MY PAYMENTS THE SAME, BUT TO HELP HIM OUT HE NEEDED ANOTHER PAY STUB FROM MY LAST CHECK I GOT (WHICH I WAS PAID THE DAY AFTER I SIGNED THE CONTRACT) TO PROVE TO THE BANK THAT I MAKE THAT MUCH CONSISTENTLY. I TOLD HIM I TOOK A FEW DAYS OFF ON MY LAST CHECK SO IT WOULDN'T BE FAIR TO Hueytown TO SEND A LOWER PAY STUB Hueytown JUST SO THE BANK COULD SAY THAT THEY WERE RIGHT. I TOLD HIM MY PAY FLUCTUATES EVERY PAYDAY. I WORK OT HOURS SOME WEEKS AND SOME WEEKS I DONT, SOMETIMES I TAKE VACATION, SOMETIMES I GO HOME EARLY IF THE WORK IS DONE. HE THEN ASKED Hueytown TO SEND IT ANYWAY AND Hueytown THE MEANTIME SIGN THE PAPERS AND OVERNIGHT IT BACK TO HIM AND THAT HE ALREADY PAID FOR THE OVERNIGHT SHIPPING FOR ME. DONT GET MAD AT Hueytown YALL BUT SO MY OLD FINANCE COMPANY COULD STOP CALLING Hueytown ABOUT THE NOTE ON MY OLD TRUCK I WENT AHEAD AND SIGNED THE PAPERS AND SENT IT BACK. STILL TODAY I HAVENT GOT A PAYMENT SET Hueytown STONE EVEN AFTER SIGNING THE SECOND CONTRACT. AFTER LOOKING IT OVER MY APR DID GO UP 2% BUT THE DEALER QUOTED ANOTHER $16 BUT THE CONTRACT SAID $32 EXTRA WAS ADDED PER MONTH. I CALLED BACK AFTER SENDING THE PAPERWORK TO HIM BECAUSE I WAS FURIOUS WITH MYSELF FOR SIGNING THE PAPERS AFTER RESEARCHING DEALER SCAMS AND SUCH (IM A YOUNG GUY I DIDNT KNOW). WHAT CAN I DO? IS THE DEAL DONE? HAVE I ALREADY BEEN TAKEN ADVANTAGE OF? SHOULD I JUST TURN THE TRUCK BACK IN?
1. Yes they can do this. You did not have a funded deal. No funding, no car loan, no new truck. 2. I would have taken your year to date income and divided by your last pay date. That would have averaged out your monthly income so I would not worry about OT, vacations, etc. He did it wrong. 3. Bad on you for not reading your contract. $32 per month is another $1500-1800 tacked onto the loan amount. Wonder who is profiting from that? 4. If it were me, I'd go back with the truck, either get the deal 100% done or get your old truck back and walk away. The reason they have not paid off your old truck is they've been planning on this since your deal has not been funded.
Nothing here is out of the ordinary or unusual. It's all part of the financial process that EVERY SINGLE CAR BUYER goes through. You see NOTHING is final until the BANK says it's final. Regardless of what nonsense the salesman tells you to get you sign the contract, the BANK is the one who makes the final decision. It isn't unusual at all for the bank to come back and revise the numbers after they review your credit app and credit report. BUT you do have the right to refuse the new revised numbers. Which you DID NOT DO. You signed them willingly and you agreed to the new terms. You bought a truck. Enjoy it. You cannot return it to the dealer unless you want it written up as a repo.
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Tell him you will only pay what you signed for. Not a dime more. If he cant get it bought, you get your old car back. I quit reading half way through, If you signed new papers, you own it at the higher price & rate. Too late to turn It back in.
Both the bank and the dealership want the business, so tell them to honor the contract or refund you in full with any of your costs. That should work. Don't get sucked into any discussion with them and PUT IT Hueytown WRITING because it will constitute compulsory evidence in any court trial.
Put in writing and sue if they don't agree with the first contract then u can sue if they don't