Archive for November, 2008
I need to find the numbers of these particular businesses in Chicago only.
? New Car Dealerships with Used car departments
? Used car dealers
? RV/Boat/Motorcycle Dealers
? Vehicle Rental/Leasing Companies
? Bus/Truck Fleets
? Car Fleets (Govt. Agencies, School Dists., etc.)
? Auto Insurance Companies
? Full Service Car Washes
? Quick Lubes
? Large Retailers: Malls, WalMarts, etc.
Or a site I can find these exact numbers?
a really big number for all of em,
I really need help with this. We applied for and were approved for an RV loan for 8.74% for 144 months on 6/25/07. The RV was delivered to our home (we purchased from an RV wholesaler) on 8/13/07. We signed the contract and assumed everything was final. (it always has been in the past). Now out of the blue we get an email from the dealership that says we now have to pay 1200 more down, and our interest rate jumps up to 11.24% for 120 months. (thats about $70 more per month). They claim the 8.7% approval was only good for 60 days, and that they could no longer finance us because of a supposed drop in our credit score. I knew nothing of this 60 days they were talking about. No one ever told me this, or I may have chose to go elsewhere for financing. I signed the contract believing it was binding and now they want more money and a higher interest rate. We have had the trailer for almost a month now and gone camping for a week in it already. This is so unfair! Please help!
The contract is a standard retail installment contract and security agreement. It gives all the trailer info, VIN#,our names, the interest rate,finance charge, payments, and so forth. And yes the lending company (GEMB) by the way, is checked at the bottom of the contract in a little box that says "assignment" and is signed by the person that delivered the RV to us. Thanks everyone for all your answers so far!!
Auto finance is what I do for a living and this sounds like the dealer did whats called a spot delivery.
This is when the dealer thinks they can get someone approved but really does not have them approved with a bank yet, so they go ahead and sign a contract normally without a banks name on it.
Then when they do get the people actually approved, they sometimes have to redo the paperwork because they guessed wrong on the interest rate.
There normally is a spot delivery agreement which gives the dealer the right to do this.
Does, your copy of the contract have a lenders name on it?
If so call them and ask yourself what happened.
You should see about getting your own money and simply pay the dealer.
looking for a conversion van or small rv for 3 to 4 day rental. pick up in greater phx. area. Camping in show low, AZ
here ya go http://www.go-arizona.com/travel/rv-rentals.cfm
I’ve been looking in to getting an RV to live on some property I have access to for only utilities, which compared to the house rent I am paying now would be a fraction of the cost I pay monthly, but it seems that nobody will make a loan to someone on SSDI despite the fact that the payments on a three year loan at as much as 20% would be about 1/8th of my income.
Does anyone know if there is a place that gives loans to people on disability, it’s a pretty low end amount that’s well under $10k, and I’m looking for a fairly short term loan at three years or less depending on the interest rate.
Or is it possible to get an auto loan in my situation since technically it is a vehicle and I think they’re supposed to be easier to get than RV loans?
Sure can, but the amount of the loan would depend upon your monthly income. If you have been defined as total and permanent, even better.
Your best bet is go with a credit union, sign up for automatic deposit so they can take out the monthly payments automatically. Get pre-approved for a certain amount, then when you go to the RV dealer, you can get a better price as the financing has been arranged by you.
The creditor knows you have a steady income and do not have to worry about loosing a job.
I have a friend who gets VA Comp for PTSD and lives full time in his RV. He has found a way to live for peanuts a day by volunteering in state parks. Most of the them will provide you with a free campsite which includes electric and water for just a few hours a week of volunteer work. It’s a great way to travel real cheap. He spends 2 to 6 months at various camp grounds.
My family wants to take a couple of weeks this summer and travel by RV. I need to know where I can find info. on rental fees, mileage fees, campinge fees, etc. Also, any advice on any possible pitfalls and how to enjoy with an 8y/o and 3y/o would be helpful.
Although I'm no great fan of KOA, It sounds like just the thing for your family. Most KOA's have plenty of activities for children.
Since I don't know where you are going to be traveling, I don't know where to suggest you go. My wife & I started in Cherokee,NC, traveled the entire Blue Ridge Parkway and camped at every campground along the way.
The type RV to rent depends upon how comfortable you want to be. Below are the two main RV renters:
http://www.cruiseamerica.com/
http://www.elmonterv.com/Default.aspx
If there is one near you, travel to it, look over what they have and discuss every thing in their contract. Milage is a big cost, it's possible to buy extra miles up front. That's cheaper than after the trips over
State parks is a good choice when camping. One in paticular is Fall Creek Falls in Tennessee. Lot's of activities for the kids. I haven't seen that many Jellystone parks lately, but they used to cater to the kids. Below I listed KOA & Jellystone, you can make reservations and check price online.
Good Luck & Happy New Year
Universal Health Care, a la Hillary, would be a complete disaster to our ecomony. Yet, some people think it is a God-given right, and not a privilege.
How about this: don't buy the biggest house, the SUV, every toy available (boat, vacation home, RV, off-road racers, etc.), stop shopping for the latest trends …
Instead, save, invest, work your money, so you can buy insurance and be grateful that the MD you end up seeing actually wants to practice medicine and wasn't brought into med school on affirmative action.
Here is what you are entitled to, as an American: Life, Liberty and the Pursuit of Happiness.
Get a job, work hard, and utilize the insurance from your job. Stop banging the drum and demanding something for nothing.
linlyons et.al. chew on this: In 2004 the top 1% of income earners — that crowd that earned 19% of all income — paid 36.9% of all income taxes. The top 5% of income earners paid a whopping 57.1% of all income taxes. That's an increase under Bush. So much for "tax cuts for the rich."
OK .. well how about the super-rich? What about the top one-tenth of one percent of income earners? From 2002 to 2004, with the hated Bush tax cuts firmly in place, the top 0.1% of income earners saw their share of total income taxes paid go from 15.4% to 17.4%. That's up a full 2% for those of you who went to government schools.
OK … that's income taxes. But what about capital gains taxes and taxes on dividends? Bush cut those taxes too, didn't he? That's where the rich are making out like bandits, right? Well … glad you asked. Since Bush's tax cuts the Imperial Federal Government has seen an increase of 79% in capital gains taxes, and 35% for taxes on dividends.
It is part of the liberal mindset. Entitlement programs have wreaked havoc on our economy. If you don't think socialized health care will destroy the integrity of the care given then just ask any Canadian. They wait 1 month to be seen for the common cold.
I want to take over payments of a friwnds RV motorhome. What do I have to do ensure I am on the title?
If it a assumable loan, your friend can just notify the finance company of his intention of having you assume his loan. The company will forward necessary paperwork to him for you to sign. Once the loan has changed to your name, they will change the title on the RV to your name.
For my families summer vacation, I would like to take them to a camp ground, but because we have a 1 year old and a three year old, we are not ready to go tenting. Are there places up in New Hampshire that rent RVs or trailers, etc. That way we can be at the camp ground, but have a "room" and a bathroom. Any other ideas regarding getting the camping experience without being in a tent is greatly welcome and appreciated! Thanks! -Ash
You can try the superpages which list RV rentals and campgrounds in that area (I used Concord as that's just north of the forest, you can change the town to a closer area).
http://yellowpages.superpages.com/listings.jsp?SRC=portals&C=rv&N=&STYPE=S&CID=&scale=&lng=&lat=&L=Concord+NH&search=Find+It
A cabin rental might be the best way to go. They're a little larger than RV's and much more comfortable. Here's the link to the White Mountains National Forest website with lots of information about camping, including cabin rentals.
http://www.fs.fed.us/r9/forests/white_mountain/recreation/camping/
So this is a personal move, Toronto to BC and I need some assurance in case of breakdown since the truck is used, under 10 years old. It's a 14 or 16 foot diesel cube van and isn't covered by the RV outfits, my auto insurance, CAA, or crap tire. If I could I also might buy extended coverage for a mechanical failure, along with the tow I'd need in the middle of Saskatchewan or wherever. I'd really appreciate anyone's input and experience in this area as we sure can't afford ten grand plus to hire movers and we've already done all the packing ourselves. Probably will sell the truck out there when done. Thanks, Guy.
I work for a car rental company. What ever type of vehicle it is call a dealership and ask for there raodside assistance phone number. Call the number and ask them about travel packages you can buy