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My 2003 Toyota Camry

Deadly Sushi

Deadly Sushi

The One, The Only, Sushi
I either have to sell it in the next few weeks or give it to the bank. I simply cant afford her anymore. Im asking $8500. Its black with grey interior and it has 98K miles. Its an LE and its in excellent shape!!

It is an automatic with an I-4 engine. Great on fuel!!!
 
Deadly Sushi said:
I either have to sell it in the next few weeks or give it to the bank. I simply cant afford her anymore. Im asking $8500. Its black with grey interior and it has 98K miles. Its an LE and its in excellent shape!!

It is an automatic with an I-4 engine. Great on fuel!!!
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If you give it to the bank, your credit will be screwed for years. That can prevent you from getting a decent job. You are better off getting what you can for it, even if you have to come out of pocket.

How much do you owe?
 
Yep, CB is right Sushi. Sell it at a loss and put the difference on a card or something .... it would save your credit rating.
 
Cityboy said:
If you give it to the bank, your credit will be screwed for years. That can prevent you from getting a decent job. You are better off getting what you can for it, even if you have to come out of pocket.

How much do you owe?
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I owe $10,500. Right around there. My aunt would provide the difference. I feel EXTREMELY shitty about the whole thing. :( Its been VERY tough to sell since I dont have the title and there is no physical place in Illinois where Triad has an office. Ive already paid over $8800 on a $13000 loan!!!!!!!!! They kept saying my payments were late, charging me HUGE fines and fees. I cant belive this :cry:
 
Sush,

Suck up your pride, take the help and get rid of it for what ever you can. $7000 or even $5000. You are way better off to float a loan from your aunt then surrender it.

Squish said:
Its been VERY tough to sell since I don't have the title and there is no physical place in Illinois where Triad has an office.
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What the 'f' is Triad and why would you not have a title??
 
Deadly Sushi said:
I owe $10,500. Right around there. My aunt would provide the difference. I feel EXTREMELY shitty about the whole thing. :( Its been VERY tough to sell since I dont have the title and there is no physical place in Illinois where Triad has an office. Ive already paid over $8800 on a $13000 loan!!!!!!!!! They kept saying my payments were late, charging me HUGE fines and fees. I cant belive this :cry:
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Your credit is probably already screwed if you are a late payer. Also, you probably had bad credit to begin with because it looks like you got strapped with a high interest rate and something other than a simple interest loan. Sounds like you got the "Rule of 78" or some other used car dealer financing scam.

I don't know what else to tell you, but you need to take fast action. Go to Clark Howards web site and ask advice. Be prepared to take your medicine and take responsibility for your situation. You will get great financial advice there, but if you go there blaming the world, and everybody else except yourself, they will beat you like a bad monkey, and you will get what you deserve. :hammer: Maybe that's what you need. Here's the link:

http://clarkhoward.com/p/boards/ch/wwwthreads.pl?Cat=&C=4

Sushi, I've been watching your financial posts for a while, as has everyone else here. Nobody but you can fix your situation. Only you can take the action to fix it. Do what you have to do, and begin today. Your friends here at FF cannot do it for you.

It's up to you.
 
Slow down Sush. I don't think CB was saying you deserved to be in the situation you are in. Reread what he wrote about getting what you deserved.

He said, "but if you go there blaming the world, and everybody else except yourself, they will beat you like a bad monkey, and you will get what you deserve"
 
Tractors4u said:
Slow down Sush. I don't think CB was saying you deserved to be in the situation you are in. Reread what he wrote about getting what you deserved.

He said, "but if you go there blaming the world, and everybody else except yourself, they will beat you like a bad monkey, and you will get what you deserve"
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Exactly!

*I rep'd CB for the post actually...*
 
OK I read the post again and looked at the website. My bad! I read it incorrectly the 1st time around.

Nobody but you can fix your situation. Only you can take the action to fix it. Do what you have to do, and begin today. Your friends here at FF cannot do it for you.
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Hey man, Im just posting my darn car here to see if someone would like to buy it. Im not asking anything more. Not sure where you thought anything more or anything less.

Either way the car needs to be sold. If you would like a Camry or you know someone that would like to have a Camry that would be great. Thanks for looking :tiphat:

(tried to give Cityboy reps but I have to spead some around 1st)
 
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So Slushi if you let the bank repo the car and you owe $10,000.00 and they auction it off for only $7,000.00 which is most likely a high figure, you will still owe the bank $3,000.00 dollars. They will most likely charge you interest on the unpaid balance of the $3,000.00 until you pay it off also. Your best bet is to pay off the car, then get out from under it and just take the loss. Cars are not selling at book prices if at all in todays economic climate. Get a job or second job and try to swing the payments until you can get out of it safely and save your credit rating.............:mrgreen:
 
Guys, you are forgetting that Sushi doesn't have a job. I'm sure he would love to just pay the car off, but sometimes things just aren't that easy. Everyone is saying don't do it, you'll screw your credit rating. What about if he pays it and screws that little thing called food going into his stomach? Credit rating doesn't matter much then does it? Sometimes you have to do what you have to do, whether or not you want to. Everyone says get a job, well in this day and age that isn't as easy done as said. I'm sure Sushi is out looking, but even if he does find something it probably won't pay what he was making and he still has food, rent, & utilities to pay.

Sorry to go off, but just think you guys need to be a bit more understanding of the situation Sushi is in. Good luck Sushi.
 
jwstewar said:
Guys, you are forgetting that Sushi doesn't have a job. I'm sure he would love to just pay the car off, but sometimes things just aren't that easy. Everyone is saying don't do it, you'll screw your credit rating. What about if he pays it and screws that little thing called food going into his stomach? Credit rating doesn't matter much then does it? Sometimes you have to do what you have to do, whether or not you want to. Everyone says get a job, well in this day and age that isn't as easy done as said. I'm sure Sushi is out looking, but even if he does find something it probably won't pay what he was making and he still has food, rent, & utilities to pay.

Sorry to go off, but just think you guys need to be a bit more understanding of the situation Sushi is in. Good luck Sushi.
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This has been going on quite a while before Sush lost his job. I understand your compassion, but that does not negate the fact that action must be taken (should have laready been taken) to resolve the problem. If memory serves me correctly, Sush has been seeking advice about his life situation here at FF for over a year and a half, and has yet to take any of the advice that has been given that I can see. Sushi cannot just sit around feeling sorry for himself, he's got to DO something regardless of the current economy. The longer he puts off action, the more the inevitability of bankruptcy becomes reality. With no job, Sushi is looking at Chapter 7 which will remain on his credit report for 10 years. His credit is already screwed because of the late pays, so he may well wind up in civil court with the lender attempting to extract blood from Sushi's turnip. Then, he will face shut off utilities and ultimately eviction. Maybe Chapter 7 is the best choice right now due to months of inaction.....

Compassion is worthless to Sushi at this point and essentially is nothing more than coddling that will result in even greater hardship for him. He needs to get up at 6:00 AM Monday morning and be standing in a bankruptcy lawyers waiting room at 8:00 AM to at least look at his options from the view of a professional. Then he needs to proceed to the local Waffle House and start cooking short orders on the evening shift so he will have mornings free to seek something better. ACTION! ACTION! ACTION!

The time for talking ended months ago. I'm not being mean, I'm being realistic.
 
Ya know CB, youre trying to motivate me. What you dont see is that I am HIGHLY motivated ALREADY. And I cant file for bankruptcy. I did a few years ago because I had a huge hospital bill I couldnt pay because I was robbed and left unconscince on a guys lawn in the Chicago burbs. Had my a few bones in my face broken and my teeth cracked in HALF. I went through bankrupcy and that is why (a HUGE reson why) I have shit credit which is why I had to go with Triad Finance because they are the only ones that would accept me.

Anyhow, Im NOT looking for SYMPATHY!!!!!!!! Get that through yur coconut. JESUS H CHRSIT!!!!!! Whatever youre attempting CB, just stop. Please. I perfectly well know the entire situation Im in. I dont need coaching. And I HAVE taken a LOT of advice. Mainly from Bobcat.

----Now PLEASE, like I said before If you would like a Camry or you know someone that would like to have a Camry that would be great. Thanks for looking :tiphat:





Cityboy said:
This has been going on quite a while before Sush lost his job. I understand your compassion, but that does not negate the fact that action must be taken (should have laready been taken) to resolve the problem. If memory serves me correctly, Sush has been seeking advice about his life situation here at FF for over a year and a half, and has yet to take any of the advice that has been given that I can see. Sushi cannot just sit around feeling sorry for himself, he's got to DO something regardless of the current economy. The longer he puts off action, the more the inevitability of bankruptcy becomes reality. With no job, Sushi is looking at Chapter 7 which will remain on his credit report for 10 years. His credit is already screwed because of the late pays, so he may well wind up in civil court with the lender attempting to extract blood from Sushi's turnip. Then, he will face shut off utilities and ultimately eviction. Maybe Chapter 7 is the best choice right now due to months of inaction.....

Compassion is worthless to Sushi at this point and essentially is nothing more than coddling that will result in even greater hardship for him. He needs to get up at 6:00 AM Monday morning and be standing in a bankruptcy lawyers waiting room at 8:00 AM to at least look at his options from the view of a professional. Then he needs to proceed to the local Waffle House and start cooking short orders on the evening shift so he will have mornings free to seek something better. ACTION! ACTION! ACTION!

The time for talking ended months ago. I'm not being mean, I'm being realistic.
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Cityboy said:
Ok, then. No thanks on the over-priced Camry.
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Its not over-priced! Theres a HUGE amount of value in her! These cars run for 300K plus miles! If you divied $8300 by 202K miles thats 0.04109 cents a MILE!!!!!!!!
You can afford THAT!!! :thumb:
 
Cityboy said:
This has been going on quite a while before Sush lost his job. I understand your compassion, but that does not negate the fact that action must be taken (should have laready been taken) to resolve the problem. If memory serves me correctly, Sush has been seeking advice about his life situation here at FF for over a year and a half, and has yet to take any of the advice that has been given that I can see. Sushi cannot just sit around feeling sorry for himself, he's got to DO something regardless of the current economy. The longer he puts off action, the more the inevitability of bankruptcy becomes reality. With no job, Sushi is looking at Chapter 7 which will remain on his credit report for 10 years. His credit is already screwed because of the late pays, so he may well wind up in civil court with the lender attempting to extract blood from Sushi's turnip. Then, he will face shut off utilities and ultimately eviction. Maybe Chapter 7 is the best choice right now due to months of inaction.....

Compassion is worthless to Sushi at this point and essentially is nothing more than coddling that will result in even greater hardship for him. He needs to get up at 6:00 AM Monday morning and be standing in a bankruptcy lawyers waiting room at 8:00 AM to at least look at his options from the view of a professional. Then he needs to proceed to the local Waffle House and start cooking short orders on the evening shift so he will have mornings free to seek something better. ACTION! ACTION! ACTION!

The time for talking ended months ago. I'm not being mean, I'm being realistic.
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Guess you've never hit a rough spot in your life. I'm glad to here that your life has been perfect and that you always make the right decision and never had anything bad happen.
 
jwstewar said:
Guess you've never hit a rough spot in your life. I'm glad to here that your life has been perfect and that you always make the right decision and never had anything bad happen.
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Don't be an ass. Shit happens to everyone, and I've told my hard luck story here before, as have others, in attempts to inspire and help lift the spirits of people in bad situations. You can do something about it, or you can whine and wallow in it ad nauseum. Your choice. I, and several other people here chose to deal with it and move on rather than wallow in pity as you appear to be inclined to do based on your post.

Don't like what I just said to you? Then think before you reply to me.
 
Now that this thread is back on the subject of a used car for sale.........

Yes he took it to Carmax. They low balled it of course. They'd need to make a profit too.
 
Listen, Sush. It looks like you owe more than the car's worth. Here's what I'd do. I'd contact your lender and ask for a mailing address where you can send the keys, along with a detailed description of the location of the car for them to come pick up. Frankly, they don't want your car! You say they won't renegotiate the loan, right? Well, negotiate for 'em. Tell 'em what you can afford to do, at this point, reminding them that you're out of work. Then, tell 'em that when you get back to work and get some cash flow going, you'll renegotiate the negotiations to work toward getting that loan paid off. Include a "suggestion" (read demand, here) that they waive the interest for a year. Any monies you pay them will go directly against the principle of the loan. Remember, you've still got their money. They ain't gettin' any of yours, as of this moment. You have a car that would cost them some bucks, should they take possession. Be firm when you talk to them. Do not give them any sign of weakness. Act like you know exactly what you're doing, and that you've got control.
Chances are, you'll be talking to some snot-nosed pimple-faced zero who can be bullshitted til hell freezes over. Stand firm!
Y'ain't got anything to lose, Buddy. Now, Go get 'em, Killer! :punk:
 
I just calld Triad again. Somehow my payoff went from $10500 to $10700. Ive paid on time EVERY damn MONTH!!!!!!!!!
Ive paid over $9000 already!!!!!!!!
Carmax said $6000. Thats crap
I CANT sell it to anyone around here beacause I dont have the title and there is no Triad office in Illinois because they have been kicked out because of unfair business practices.

I just got off the phone and they wont BUDGE on interest rates.... they wont budge on ANYTHING. They dont even provide a lowered payoff amount!!!!!!!!!!!!!!!!!!!!!!! :soapbox::soapbox::soapbox::soapbox:
THESE owners are ****ing crooks!!!!!!!!!!!!

Im SCREWED! I cant find anyone to buy my car because I dont have a title. I cant trade it in because I would owe to much to pay off the ****ING LOAN!!!!!!!!!!!!
If I give the loan company the keys, they will auction it off...... for probably $4000 and I would STILL owe $6700!!! AND INTEREST!!!!!!!!!!!!

Im currently paying $5.41 a DAY in INTEREST!!!!!!!!!! My monthly payments are $322. Over HALF is going to interest!!!!!!!!!

They are stealing my money!!!!!!!!!!!!!!!!!!!!!!!!!!!!! :soapbox:
 
Well, Sush, since they've already got a record of unfair business practices in your state, you have some leverage. I would call them ONE MORE TIME and tell them that you know that your state AG knows about them and their ways of doing business. Tell them that you are going to file a complaint with the AG's office in one week from the date of the phone call. Tell them that if you don't get some relief in that one-week period, they're toast! Tell them that you counting Saturday and Sunday in that period, so that gives them five working days to make you happy.
If your AG has any stones, they'll be slobbering all over themselves to make you happy.
Outfits like TRIAD prey on folks like you who have bad credit. They think they can bully you into just about anything, just because you don't have any recourse (so they think). But, you do. Do not delay! Call them TOMORROW, bright and early. Tell 'em that if they do take the car, they can stick the extra amount you owe straight up their asses. What they're doing is a form of blackmail. You'll be making payments to them until we're all old(er) and gray(er), which is exactly what they want. Steady income, you know.
Do not give them any reason to think you're bullshittin' them, either. Don't lie to them and say you've talked to a lawyer. You want to be completely honest with them, because you'll be the good guy and they'll be the scum.
Now, after this fiasco is settled, the next time you enter into a business deal, come here and lay it on the table. Plenty of wise heads can help you make good choices and avoid the ass reaming you're taking right now.
Go Get 'em Buddy!
 
I'm playing devil's advocate here, so bear with me. What have they done to rip you off? Other than the $200 difference you mentioned. Are they not upholding their end of the contract in some way?
 
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