araydillard1 asked:


I need a vehicle that my family can all ride in comfortably. I am 6’9″ tall and Ihave 2 sons that are over 6 feet tall as well as a toddler. We are currently driving a 98 model Toyota Camry that we outgrew a long time ago. We did not want to purchase anything until we could more easily afford the payments but now the Camry has developed an electrical issue causing a relay that controls the headlights, dash lights, door locks and windows to be inoperative. To put it simple we need a vehicle but no one wants to finance a person whose sole income is disabilty. If anyonehas any suggestions…please let me know. Thanks

Janice

Michael asked:


I have a account in charge off status with HSBC auto finance. I payed this loan for two years before filling chapter 13 bankruptcy. I made payments into the chapter 13 trustee for 3 years before falling ill, loosing my job, and becoming unable to make the payments. Since then I have tried to make good on my debts and pay some of the creditors. The one that I am having problems with is HSBC! I have called and offered to pay a portion of the debt in return for them to leave me alone and stop with the harassing phone calls. The phone numbers they are calling aren’t even mine but worse the people I listed as references 6 years ago. The first offer I made was denied and after pulling together my resources I was able to offer more money. The offer now sits at 50% of the balance. They still will not settle and the vehicle blue books for less than what I am offering, and still all I hear from them is the word RE-PO. I don’t want to have to file bankruptcy again and have had no problem with other creditors, but I have to do something ASAP before these people drive me crazy. Oh and I ran my credit report and it shows the account has been charged. Also the vehicle they want so bad has no value since it needs a transmission and has not run in almost 3 years. Any insight or advise is greatly appreciated.

Richard

SVTJOE asked:


I have been trying to figure out how to qualify for an auto loan, i was denied for one by capital one auto finance.

I just started building my credit seven months ago and my fico scores are 672,704,and 729. my monthly income is 1949 before taxes and only pay 300 on expenses plus 250 on gas.
the loan amount is 23000
i meant the vehicle amount is 23000

i have a car worth 6000 i want to trade in but i tried capital one to avoid this in the first place.

Wanda

rwestmore7 asked:


I have poor credit. I got into financial trouble a while back. I have paid off most accounts, and am working to pay the rest. My credit score is somewhere between 490 and 515. If I have a cosigner with about 1.5 years of credit history with one credit card (should be a score about 700-720), can I get financed for a car with a bank? I am a member of a credit union, should I try there?

Randy

Shelly T asked:


Me and my ex have financed an auto loan together. He took the truck and promised to make the payments. It has been 5 months and he has not made one payment. I dont want to file bankruptcy nor pay for that truck but I think Im running out of options. Does anyone know what I can do to get off the loan or any way ot help me?

Monica

Hard Core Dance Poles asked:


If you have the Pay History form the Finance Company and you have submitted your Banking Financial Statements along with a copy of the cleared check, and on the Pay History that you optained from them, it does not show that payment credited to you account. Because that payment was not credited it has accumulated additional unnecessary Fee’s etc.. and the You have Emailed the infor 6 times, tried by telephone to resolve, finally get the Manager over Collections, send him all of the Info By Courier, and come to find out he doesnt even look at it , doesnt call you back, lies to you when you ask if he is coming to get your car, and then orders a outside agency to go to the sheriffs dept to optain some kind of warrant so that you have to hand over your car to them when they come, and the Collections manager does all of this AFTER telling you to submit AGAIN your proof and will discuss your file with you to get it resolved. What can a consumer do to prevent this?
And you have been trying to get this resolved now for over a year. But yet No one at Finance Company look at the paper work, they just assume you are wrong and they are right. Is there something that you can file with the court to stop the repo to make a Judge look at the situation or a Mediator ? Because if they take it then , Out a Vehicle, and I know that you can file suit for Unlawfull Repo, but what can be done before that happens?

Roland

LibraryGirl asked:


I have filed bankruptcy in the past and am on the road to credit recovery. My plan is to first finance a car – pay it on time each month and then hopefully one day be able to purchase a home. I was approved for finance by a company called Drive Financial. Are they an okay company to do business with?

Darlene

Kelson asked:


Hi everyone!

Could someone please let me know a good place to go for new or used car loans with low interest rates for someone with average to good credit?

So far, I’m finding lenders with around 7-8% interest on the low end. I’d prefer to pay about half that. Looking at financing around $20-30,000.

I am a USAA member, but not the member of any credit union.

Thanks for your advice!

Doris