One of my co-workers had her car disabled by the "bank". My co-worker was not delinquent in payments. The finance company claimed a computer glitch caused a bunch (I don't know how many) to not be able to start. I have heard of Police being able to shut down a car but a finance company? This particular car is a few years old Ford Fusion. Anyone know if this is built-in or did the finance company maybe add something? If it's built-in, who or what entities are/should be allowed access to the codes to do this?
I guess I'll keep my old cars for a while longer.
This is common among cars financed by unconventional lenders. Most likely she purchased and financed the vehicle through what used to be known as a "buy here, pay here" lot. These devices are disclosed in the financing paperwork. If payments aren't made the care is disabled until they are paid up or they'll come get the vehicle. Makes life a lot easier for the repo-man.
Quote from: rdj on November 19, 2013, 06:54:48 PM
This is common among cars financed by unconventional lenders. Most likely she purchased and financed the vehicle through what used to be known as a "buy here, pay here" lot. These devices are disclosed in the financing paperwork. If payments aren't made the care is disabled until they are paid up or they'll come get the vehicle. Makes life a lot easier for the repo-man.
So then is it a device added by the finance company rather than a function of Ford's Sync (or whatever Ford's equivalent of On-Star is)?
Will read the fine print closely if I decide to finance my next pacemaker.
Quote from: guido911 on November 19, 2013, 07:36:35 PM
Will read the fine print closely if I decide to finance my next pacemaker.
Like this?
http://www.google.com/search?q=pacemaker+yachts&source=lnms&tbm=isch&sa=X&ei=9BiMUrmmCcie2wWJvYGABQ&ved=0CAcQ_AUoAQ&biw=1890&bih=993#facrc=_&imgdii=_&imgrc=2gnVUHi5ZIUSZM%3A%3Bycis-Bjp4xafzM%3Bhttp%253A%252F%252Fwww.classicadshop.com%252Fprod_images%252F301cas34.jpg%3Bhttp%253A%252F%252Fwww.classicadshop.com%252Fproductdetails.php5%253Fid%253D485%3B292%3B399
somewhat related and in the news
http://boingboing.net/2013/11/13/renault-ships-a-brickable-car.html
If you make payments to the same place you found the car, you can expect things like this.
Otherwise it would sound like a glitch in an anti-theft feature. Rental cars have such a feature that will kill the car if you drive them out of state.
Quote from: sgrizzle on November 19, 2013, 10:37:42 PM
If you make payments to the same place you found the car, you can expect things like this.
I have been fortunate to not have to have bought a car that way.
You can tell if your car has such a device. Just walk around to the back of the car, kneel down near the bumper and look for an Obama bumper sticker.
Quote from: Gaspar on November 20, 2013, 06:46:27 AM
You can tell if your car has such a device. Just walk around to the back of the car, kneel down near the bumper and look for an Obama bumper sticker.
I double checked my car. No Obama sticker there. (Or any stickers other than the required ones on my license plate).
My Step Son just got screwed financed a car at Jim Norton Chevy with a high interest rate of 21%.
They had him bring it back three day's later to have it wired with the GPS tracking and auto shut down device.
So not just the buy here pay here places are doing it. They all seem to be on board if you're your age and credit come into question.
Quote from: DolfanBob on November 20, 2013, 08:55:09 AM
My Step Son just got screwed financed a car at Jim Norton Chevy with a high interest rate of 21%.
They had him bring it back three day's later to have it wired with the GPS tracking and auto shut down device.
So not just the buy here pay here places are doing it. They all seem to be on board if you're age and credit come into question.
21%?! Did he pay with his Visa card?
Quote from: BKDotCom on November 20, 2013, 01:13:30 PM
21%?! Did he pay with his Visa card?
There was a thread on this.
At least with VISA he might've earned an airline ticket.
I bought my first car with a loan at 21% interest. Of course, it was 1982.
It's called secured credit. Just more secure than average.
Sent from my iPad using Tapatalk (http://tapatalk.com/m?id=1)
Quote from: BKDotCom on November 20, 2013, 01:13:30 PM
21%?! Did he pay with his Visa card?
Yep. And he was so proud that he did it on his own. He had already signed the paperwork before his Mother and I found out. He truly understands percentage rates now.
Geeze... How old is he.
Quote from: CharlieSheen on November 20, 2013, 05:37:18 PM
Geeze... How old is he.
Come on now, leave the condescension to Aquaman.
Quote from: Red Arrow on November 19, 2013, 07:26:07 PM
So then is it a device added by the finance company rather than a function of Ford's Sync (or whatever Ford's equivalent of On-Star is)?
If it works like OnStar, removing it kills your car.
There is an aftermarket workaround, though:
http://www.costartech.com/pb/products/bluestar.html
so there might also be something similar for unfortunate Ford customers.
Quote from: patric on November 20, 2013, 08:33:55 PM
If it works like OnStar, removing it kills your car.
There is an aftermarket workaround, though:
http://www.costartech.com/pb/products/bluestar.html
so there might also be something similar for unfortunate Ford customers.
It turns out she knew about the kill device but didn't suspect it since she was up to date on payments.
Quote from: CharlieSheen on November 20, 2013, 05:37:18 PM
Geeze... How old is he.
24. Don't lead me down that road. He's my stepson. ::)
Quote from: Conan71 on November 20, 2013, 07:54:13 PM
Come on now, leave the condescension to Aquaman.
Its good to be the burr under the saddle.
Quote from: AquaMan on November 21, 2013, 10:43:16 AM
Its good to be the burr under the saddle.
But then you only bother the horse, not the rider. Shame on you. :D
Quote from: DolfanBob on November 21, 2013, 08:10:52 AM
24. Don't lead me down that road. He's my stepson. ::)
If he's made the payments for 6 months then it's credit union time. Refi that thing and save the $15,000 in finance charges.
Quote from: Townsend on November 21, 2013, 01:07:05 PM
If he's made the payments for 6 months then it's credit union time. Refi that thing and save the $15,000 in finance charges.
The exact plan we have in mind.
Quote from: AquaMan on November 21, 2013, 10:43:16 AM
Its good to be the burr under the saddle.
Red is correct, you are just rubbing the horse's arse when you are the burr under the saddle.
Quote from: Townsend on November 21, 2013, 01:07:05 PM
If he's made the payments for 6 months then it's credit union time. Refi that thing and save the $15,000 in finance charges.
Why wait 6 months? My wife got a big rebate for using ford credit at 6.75%. After the 90 day mandatory period (for the rebate) she flipped it right over to the credit union.
Quote from: Red Arrow on November 21, 2013, 11:54:45 AM
But then you only bother the horse, not the rider. Shame on you. :D
Its a delegation thing. The horse gets used in order to bother the rider.
Seriously, you guys need even more counter balance than I provide. Without me Carleton, Townsend and Hoss, this is just another right wing blog in disguise. ;)
Quote from: Conan71 on November 21, 2013, 01:52:38 PM
Red is correct, you are just rubbing the horse's arse when you are the burr under the saddle.
That would be true if you saddled the horse on his donkey. Silly city boy......
Wow the stuff I'm learning on this forum!! Thanks.....
Quote from: AquaMan on November 22, 2013, 09:47:53 AM
Its a delegation thing. The horse gets used in order to bother the rider.
Seriously, you guys need even more counter balance than I provide. Without me Carleton, Townsend and Hoss, this is just another right wing blog in disguise. ;)
Us guys on the right don't even come close to balancing you, Carleton, Townsend and Hoss.
:D
Edit:
I almost forgot. It's just like a leftie to abuse an innocent animal to make a point.
:D ;D
Now I am hurt. I learned to be a progressive. I was born a lefty. Though I'm actually nearly ambidextrous.
Quote from: Red Arrow on November 22, 2013, 06:09:26 PM
Us guys on the right don't even come close to balancing you, Carleton, Townsend and Hoss.
:D
Edit:
I almost forgot. It's just like a leftie to abuse an innocent animal to make a point.
:D ;D
I USED to be a conservative when I was young. I grew out of it, eventually.
:D
Sounds like the Pope has also. He's not very popular with the righties these days. :o
I think it's pretty refreshing to have a Pope who isn't afraid to say: "God isn't the angry a**hole we led you to believe he was when you were growing up."
Quote from: Hoss on November 22, 2013, 07:18:28 PM
I USED to be a conservative when I was young. I grew out of it, eventually.
And when you finish growing up, you will be a conservative again.
;D
Quote from: AquaMan on November 22, 2013, 07:06:04 PM
Now I am hurt. I learned to be a progressive. I was born a lefty. Though I'm actually nearly ambidextrous.
Ooooo... feigning hurt and oppression. Another typical leftie trick.
We be on 2 U.
;D
Quote from: AquaMan on November 22, 2013, 07:06:04 PM
I was born a lefty. Though I'm actually nearly ambidextrous.
I would give my right arm to be ambidextrous.
Quote from: RecycleMichael on November 22, 2013, 09:57:30 PM
I would give my right arm to be ambidextrous.
Does your being a leftie include being left handed?
:D
Quote from: Red Arrow on November 22, 2013, 10:12:44 PM
Does your being a leftie include being left handed?
:D
In Oklahoma, it means I am left out.
Quote from: RecycleMichael on November 22, 2013, 10:25:50 PM
In Oklahoma, it means I am left out.
Kind of like voting Republican in all but Presidential elections in Oklahoma in the 70s and 80s. It used to be safe to vote Republican because you knew your vote was wasted but you could complain about what was happening by saying you voted the other way.
;D
Quote from: Red Arrow on November 22, 2013, 09:04:22 PM
And when you finish growing up, you will be a conservative again.
;D
I'll never finish growing up, but nice try.
Quote from: Hoss on November 22, 2013, 11:53:43 PM
I'll never finish growing up, but nice try.
How about this:
As you continue to mature (grow up) you will again become a conservative.
That is, until you reach Medicare/Social Security age when you will again become liberal. I am approaching that age rapidly.
;D
Edit:
Although I was never a liberal until a few years from now.
You guys are too funny. I wish the rest of the state had our sense of humor and goodwill.