-
Anonymous
MD
2 years, 6 weeks and 6 days
Not everybody is like you. We have jobs and pay our bills on time. It is called life happens. Sometimes you don't have a choice specially if it is a health problem. Try getting in a car accident to were you are paralyzed. What if you have cancer, kidney failure or heart failure. Then you are not only I'll but then you have medical bills, medicine bills on top of your regular bills and if you can not work due to surgeries, medication (may make you dizzy), or you just can't do the job. Most companies will fire you if you take too much time off. Then hot shot what will you do? But I am no one to lecture you but God will. I was un- employed because of procedure's I had to have multiple times, I contacted Capital One Auto Finance so they would stop my automatic payment and they never did. All the charges that should had never happened in the first place cause over draft fees that Capital One Auto Finance will not pay for. I am a year from paying my vehicle off as well will pay off my Capital One Credit card next month and I will never have Capital One over again.Anonymous
Get Real
2 years, 6 weeks and 6 days
Real talk guys. Any company that finances anything is going to charge interest and they don't care what your situation is. Capital one is no worse than anyone else. I have bought cars and financed from probably 10 different companies. If you don't your terms, refinance with someone else. The best situation you can have is good credit when you get the car and pay it off. Pay it on time, get gap, and hope for the best. If **** happens, they DO NOT care. Whether you have never made a single late payment or you have made every payment late, they will treat you the same. Surgery, which I have also had multiple, accidents which totaled the car and almost killed my sister, cancer, everyone knows someone. Everyone has circumstances. Banks, credit unions, buy here pay here places; none of them give a rat's **** about you. They care about their money. They make their money on the interest they are charging on your care. The dealership makes the money on the car you bought and they mark up the interest a little bit, and the bank gets their 3-11% depending on how bad your credit it. If you were stupid or couldn't do any better and went to a buy here pay here place..then you did no better than taking out a payday loan, just a really big one. Those places sell you the car for double what it's worth AND charge you ridiculous interest. What's worse is you probably let someone tell you that you couldn't do better, but you could have, you just needed a better financier and good down payment. If you can't afford it, take public transportation until you can otherwise you are irresponsible.