mjd
Guru
I was out most of the day and could only access CB via my phone. I saw this post by TastyReuben which made me laugh.
I donated my car to a single mother of six kids and I needed a new car right away. Yes, poor planning on my part. My h (at the time) and I went to a car dealership where I saw a car that I absolutely loved. It was very pretty, drove nice and was in my price range. I fell in love that day. It was a Saturday and all the other dealerships would be closed and I really needed a car so I tried to negotiate. Yes, my company would have paid for me to have a rental but I fell in love with this particular car and wanted it.
We head back to the office and the sales guy tells me that he can't get me a lower interest rate because of some nonsense. My credit score has always been in the 800s so I knew he was lying. I talked to him for about 30 minutes. He left the room, came back and said his manager said that he can't go lower than 13%. WTH!? I was absolutely in love with this car and there was no way I was leaving without it. I told him again that I know how credit works and there is absolutely no reason to give me a subprime rate to purchase a car. The whole time my husband sat there watching this exchange (he doesn't speak up about anything).
I signed the stupid loan at 13%...BUT, it was only because I had a plan.
The following Monday I called the branch manager at my bank and told her that I needed a car loan and didn't want to pay more than 5%. I actually planned to pay the car off in one year so I was going to save on interest anyway. I just wanted to bump up my credit score even more. ;-) Barb, the branch manager called me about an hour later and told me to come into the office to sign the paperwork. H and I drive out there so I could sign the paperwork. She cut the check to the dealership as we were leaving and congratulated me on my purchase.
My phone starts ringing while I'm driving my nice beautiful car back home. It was the sales guy from the weekend. He begged me to come into his office so he could renegotiate the terms of my loan. I politely declined and told him that I needed to get off the phone as I was driving at the moment. I handed the phone to H and this is what happened next:
H: I'm not sure what you think I can do about it.
Salesman: Please convince her to come back in. I crunched the numbers again and we can get her a better rate than 13%.
H: I was there. She tried to negotiate with you for over an hour and you were pretty rude to her.
Salesman: Sir, please. I'm not going to make any commission on this sale because it's been paid off by her bank.
H: Yes, we know. Maybe next time you will treat female customers a little more respectfully. I can't help you dude.
I got the car I loved at a rate I would accept and the cliche' condescending car salesman got put in his place! Woo Hoo!
Here's my funny story.Mountain Cat - I hear you on the car story. In 1992, we were in the UK, just arrived, and needed to buy a new car for the wife.
For Americans living overseas, there's the option of buying a European car in US dollars at a good price via diplomat sales. They had a little lot with maybe one or two each of Volvo, Saab, BMW, etc cars and a sales rep from each company, who had a full list of cars available, just not on property.
The first car we looked at was the BMW, and the gentleman stepped out of his little sales shed, asked if he could help, and my wife cheerfully said, "Hi, yeah, we just arrived and I need a car."
He looked at her like he'd just stepped in dog crap, then turned to me and asked how he could help. Over the next couple of minutes, she'd try to ask a question, and he'd completely ignore, at one point getting between us and turning his back to her face.
That's how far that went. Both of us immediately turned around and walked away from him without even looking at the car.
As far as your dad, and I'm not even saying this in a negative way, some people don't care so much about "the principle of the thing" as long as the end result is beneficial to them. Maybe as far as your dad was concerned, that was a good car at a good price, so who gives a crap if the guy's sexist or rude or has body odor or any other number of negative things, you're getting the car you want at the price you like.
I'm not like that, though, and neither is my wife. Maybe it's a little kernel of spite that lives in me, but I'd have been damned before I let that ass of a salesman make one penny off us. We ended up buying the Volvo from a woman who looked like Maggie Thatcher!
I donated my car to a single mother of six kids and I needed a new car right away. Yes, poor planning on my part. My h (at the time) and I went to a car dealership where I saw a car that I absolutely loved. It was very pretty, drove nice and was in my price range. I fell in love that day. It was a Saturday and all the other dealerships would be closed and I really needed a car so I tried to negotiate. Yes, my company would have paid for me to have a rental but I fell in love with this particular car and wanted it.
We head back to the office and the sales guy tells me that he can't get me a lower interest rate because of some nonsense. My credit score has always been in the 800s so I knew he was lying. I talked to him for about 30 minutes. He left the room, came back and said his manager said that he can't go lower than 13%. WTH!? I was absolutely in love with this car and there was no way I was leaving without it. I told him again that I know how credit works and there is absolutely no reason to give me a subprime rate to purchase a car. The whole time my husband sat there watching this exchange (he doesn't speak up about anything).
I signed the stupid loan at 13%...BUT, it was only because I had a plan.
The following Monday I called the branch manager at my bank and told her that I needed a car loan and didn't want to pay more than 5%. I actually planned to pay the car off in one year so I was going to save on interest anyway. I just wanted to bump up my credit score even more. ;-) Barb, the branch manager called me about an hour later and told me to come into the office to sign the paperwork. H and I drive out there so I could sign the paperwork. She cut the check to the dealership as we were leaving and congratulated me on my purchase.
My phone starts ringing while I'm driving my nice beautiful car back home. It was the sales guy from the weekend. He begged me to come into his office so he could renegotiate the terms of my loan. I politely declined and told him that I needed to get off the phone as I was driving at the moment. I handed the phone to H and this is what happened next:
H: I'm not sure what you think I can do about it.
Salesman: Please convince her to come back in. I crunched the numbers again and we can get her a better rate than 13%.
H: I was there. She tried to negotiate with you for over an hour and you were pretty rude to her.
Salesman: Sir, please. I'm not going to make any commission on this sale because it's been paid off by her bank.
H: Yes, we know. Maybe next time you will treat female customers a little more respectfully. I can't help you dude.
I got the car I loved at a rate I would accept and the cliche' condescending car salesman got put in his place! Woo Hoo!