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My first car.
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[QUOTE]Originally posted by Siegfried: [QB] Ouch. But then again, you can always expect something to come up when you get a car. For example, there's the wonderful scenario that I and my parents went through to get my current car, a Saturn SL2, this past summer. My mother and I go to a car lot about an hour away on the other side of town that is having a discounted down-payment and monthly loan repayment special. My car, the Cavalier, has a coolant leak somewhere, a near-death water pump, a busted radio, and a frozen compressor (which means no air conditioning, heating, venting, or defrosting). In short, I'd need about another $2000 to fix up an already 11 year-old car. My mother wasn't going to let me waste my money like that. We go there, and I finally settle on the Saturn. We had to go through the loan process twice that evening. First, we tried to get the loan and title of the car under my name. That was a no-go. The loan company refused to accept me because as the principal signer because I was not employed at the time and because the job I was going to have in a couple months only paid $450 a month. Of course, the car payments are only $254 a month. So, we refill-out the loan paperwork with my mother as the principal signer. By this time, it was near 10 p.m. Next day, the sales representative calls my house and says that the loan company can't accept the loan request yet. They don't want me on the loan application period. Plus, the financial information filled out included my mother's income plus my father's income. That means that my mother and father would have to go back to the dealership and fill out the information again without me on the application. But this set up another major problem. Without going into a long story, there is a wide age gap between my father and mother. It was a May-December romance, and right now my dad is old to not be trusted behind the wheel of the car. He stopped driving at around the time I started driving; I inherited the Cavalier from him. He got into a few too-many minor accidents, and we decided to not allow him to drive anymore. Anyway, for the loan application, he needed to provide proof of identity. They wanted his birth certificate or Social Security card and drivers license/state ID. After tearing the house apart, I found his birth certificate. But his old drivers license was gone. It turns out that a couple years earlier, he cut up and threw away his drivers license. At that time, he hadn't been driving for five years, and he never thought that he would need it again. So what happened? I had to take him to the Department of Public Safety (Texas' DMV) to get him a State ID. Two hours in that place to get a state ID! And it was an early Thursday morning! Anyway, we got the temporary license, and promises that the permanent photo ID would be arriving in two weeks. No problems. The state ID comes, and so my mother and father go to the dealership and fill out the paperwork again. The next day, the sales representative calls back and says that the loan company has rejected the application again. The reason? My father was still listed as an insured driver on our auto insurance policy. Since he doesn't have a drivers license, the loan company doesn't want to see his name on the proof of insurance. So, we all hike over to the insurance office and rework our family policy so that my father's no longer an insured driver (not that he's actually driven a car in seven years). Of course, this raises our insurance rate a bit. My parents then go back to the dealership again and fill out the paperwork yet again. This time, the loan company accepts it and processes it. It's finally approved. That was a hell of hassle, but the dealership was a good sport about it. They allowed us to go ahead and take the car and use it while the loan situation was straightened out. And it was a pretty good experience -- except for the loan part. [/QB][/QUOTE]
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