Just got off the phone with the Idjit Salesman…for the nth time today…
“We need another $700 down, or we’ll need to put you in another car.”
“What does that mean, exactly.”
“You’ll need to bring us another check for $700 that we can hold for up to 30 days, or I’ll have to put you in another car.”
“What does *that* mean, exactly.”
“I’m not understanding you.”
“That’s because I’m not understanding *you*. What exactly does ‘I’ll have to put you in another car’ mean. What are you *really* trying to say?”
“It means I’ll have to take your car back and put you in another one.”
“Meaning that *you* screwed up, and if I don’t have an additional $700, then I bring the car back and take the bus home this afternoon, clean up my credit over the next 6 months, and then take my business elsewhere, right?”
*silence*
“Tobias, you’re calling me to tell me that *YOU* screwed up and oversold the loan, right?”
“Yeah”
“…and now you need more money from *me*? How’s that work again? Remember the discussion we had about how every dollar I give you is a buck sixty five I save in the long run? If I *had* it to give you, A) you’d already have it, B) I’d have put $1700 down on that $9000 Volkswagen Beetle, and be done that much sooner. What’s my other option, bring the car back, right? If I do that because *you* blew it, I’m leaving on foot.”
“Let me talk to the banks.”
an hour goes by.
“Well, this is what I can do. You’ll need to come down on Monday to re-sign the paperwork, and I have to remove the gap insurance from the loan, but I could do $1000 down, and your payments will be $370.97.”
“Meaning you don’t actually need any more money from me.”
“No, sir”
“And why’s that, exactly?”
“The banks are lowering their fees.”
Uh…yeah, whatever, dude. You blew it, and you’re not boning me as hard as you were…I feel *so* bad for you…but there’s more silver lining… I’m not at the 20.65% interest rate I thought I was at…I’m at 17.65%…Still *outlandishly* high, but not as bad as I’d originally thought it would be.