Also CK does not send us your requested term but we approve everyone at 72 months and then we can always lower the term as needed to anything greater than 36 months. We are unable to calculate loan to value without the *** and ******* of the vehicle which is a major factor in the rate. When you applied at Credit Karma there are disclaimers on the prepproval as we do not know the value of your vehicle. I am sorry that we were unable to to help you at this time. As soon as I saw the s**** job offer, I knew I had to try to do something! This scumbag had the audacity to say I emailed to you because I figured it would be easier for you to sign! This business is dirty! The fact is, they were going to charge me $8,000 in additional interest, $249 month for an extended warranty I dont need, and when I called the jerk out, he began yelling over me!This is the company way its how they do business! Its disgusting, its theft, and they are particularly preying on the people who are most vulnerable! I told this liar that I was disabled, hinted at being a lawyer, but didnt say it. I suppose a less sophisticated borrower may have seen the payment dropping from $788 to $450, and thought it a good deal. I didnt even read for 10 seconds before I realized what I was dealing with these people are absolutely, 100% scam artists! Their rate was a half point higher than my current rate, their offer included an extended warranty (which I already have), and it was for 72 months! I only applied for ***** months, and I was only interested in reducing the APR. I was suspicious because he was so pushy, so I went to my inbox expecting to have to search for the catch. If its one basis point more than was quoted, I am not interested! He then begins blowing me up, encouraging me to open my email, sign, and return the contract. I was told I was pre approved for a refinance loan, at 10.xx% I even sent the guy a text saying that I was not interested, unless the APR was exactly what I was quoted. I got my undergraduate degree in finance and economics. It does not affect my IQ, my ability to understand, reading comprehension, or extensive knowledge about finances. Im significantly disabled, due to a severe TBI, sustained when someone ran a red light, nearly killing me. I read the fine print carefully, as I am an attorney. On the 6th or 7th of July, I received an email saying that I was pre approved for auto refinancing. Total non responsive to my last three emails. They have stopped responding to my emails. I should be the one who is allowed to know if their figures are the same as mine. I do not feel i need to wait six weeks for MY check to be routed to parties other than myself. I have a problem with this because my lender no longer has anything to do with my loan. I am being told that 1) only my lender can request a quote of the amount i am receiving, and 2) my check is going to the Lender. I have submitted all of the necessary paperwork via email communication. I do understand there is a ***** cancelation fee. My calculations show that i only used $185.64 of the ****** of this coverage. The monthly coverage cost is 13.26/month. But they were paid in full at time of purchase. I purchased ************* for a car i bought.
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