Edmunds Members - Cars and Conversations (Archived)

kyfdx

From my "I'm not really a lawyer" education. It's not really theft. The trailer was provided, in exchange for future payments, which the acquirer has now stopped paying. The trailer was not actually sold, as it was encumbered by a lien.

Seems purely to be a civil matter, because it is strictly about money. The bank doesn't care that this person stopped paying, because that is not their issue (and, may actually violate the loan contract). The police don't evict people for non-payment, unless there is a judicial order of eviction (and, that might not apply to this trailer, in any case).
Repossession by the owner might be a problem, because they don't have a lien on the property, where they can show non-payment. (like the bank could).

Which, as we've already discovered, "selling" an item for which you don't have clear title is not a good idea. Unless, you plan on doing the repossession yourself (which may not be legal, either).

tjc78

I'm a little nutty at times... I honestly could see myself borrowing/renting a truck and just hooking it up and taking it back when the loser isn't there.

I'm not saying that is the way to go.... but I could see myself doing it especially with all the added stress of just loosing a parent.

@qbrozen Hoping for the best possible outcome. @kyfdx has some good points. We went through a similar situation with a family member who wouldn't leave a home owned by my wife (one block from our house). She was usually pissing off the neighbors so the cops did know the situation and they continually gave her a hard time but would not remove her. We just kept giving her so much grief that she did eventually give up and leave so we could sell the place.

oldfarmer50

Family.

My older son who has no interest in cars other than transportation gets nervous when I get on the Mustang so I have to drive conservatively.

My younger son on the other hand can appreciate what the car is capable of. Yesterday as the light turned green I saw a good mile of empty 4 lane ahead so I got on it at near full throttle.

I heard my son mutter “Wow, that’s something!”

I asked him what he was thinking and he said “it sounds like a jet plane taking off”.

I mentioned that he was hearing my Borla exhaust. “Oh” he said “cool”.

Made me smile.

oldfarmer50

tjc78 said:

I'm a little nutty at times... I honestly could see myself borrowing/renting a truck and just hooking it up and taking it back when the loser isn't there.

I'm not saying that is the way to go.... but I could see myself doing it especially with all the added stress of just loosing a parent.

@qbrozen Hoping for the best possible outcome. @kyfdx has some good points. We went through a similar situation with a family member who wouldn't leave a home owned by my wife (one block from our house). She was usually pissing off the neighbors so the cops did know the situation and they continually gave her a hard time but would not remove her. We just kept giving her so much grief that she did eventually give up and leave so we could sell the place.

I think this case ends up in small claims court with an replevin order. Then keep on the local sheriff to enforce a return of the property.

Years ago I sued a deadbeat who ran over some shrubbery turning around in my driveway. At the time he promised to pay but when I submitted a bill he stopped all contact. Took it to SC court and got a default judgement but the bum fled the state to avoid paying. He too lived with his father.

Eviction can be a complicated process but hopefully the court will see it as a simple breach of contract and return of property.

kyfdx

simple breach of contract and return of property.

Exactly.. of course, enforcing it will be the sticking point.

stickguy

Might be easier, since most houses or apartments can’t be hooked to a truck and towed away. This is more like lending someone your car and they don’t give it back.


Pretty simple civil matter. Dude either needs to pay, or give it back.

kyfdx

The fact that it's his home could make it problematic. If the judge is so inclined to consider that aspect.

roadburner

oldfarmer50 said:

Family.

My older son who has no interest in cars other than transportation gets nervous when I get on the Mustang so I have to drive conservatively.

My younger son on the other hand can appreciate what the car is capable of. Yesterday as the light turned green I saw a good mile of empty 4 lane ahead so I got on it at near full throttle.

I heard my son mutter “Wow, that’s something!”

I asked him what he was thinking and he said “it sounds like a jet plane taking off”.

I mentioned that he was hearing my Borla exhaust. “Oh” he said “cool”.

Made me smile.

When my son was in middle and high school he loved the Stoplight Grand Prix. The only problem was that he would say things like, “That guy’s not that fast, you can take him.” or “He’s an idiot, you’re gonna smoke him!” when my wife was in the car.

stickguy

If it’s his home, then he was renting it from Qs father (now estate) so if he isn’t paying, evict him. If he was purchasing it and stopped making payments, repo it.

One way or another, he is stealing use.

A travel trailer is a unique situation, but I would bet that it is illegal to be living in one anyway like that.

Quite a mess, and one more reason I hate dealing with people!

roadburner

I heard an eviction case where a guy was trying to throw his brother off of a family farm. The jury hung- and I always suspected it was because the jury didn’t like either guy and could not come up with a way to stick it to both of them.

imidazol97

stickguy said:

Quite a mess, and one more reason I hate dealing with people!

All this talk about problems with rentals and trashing is the reason that back in the 80s when I had the condo in greater Cincy area, we did not try to rent it while selling it after moving to the Dayton area. We just ate the cost and got rid of it at the first viable offer.

imidazol97

roadburner said:

I heard an eviction case where a guy was trying to throw his brother off of a family farm. The jury hung- and I always suspected it was because the jury didn’t like either guy and could not come up with a way to stick it to both of them.

Aren't juries supposed to be impartial and fair?

I was on a municipal court jury over a fight two young men had at a local wings establishment. I felt there was more that wasn't being brought out to show the etymology of the friction between the two--a woman, drugs, something was there. Didn't give the prosecutor a conviction because his guy, to me, didn't have clean hands.

Two female jurors even drove by the scene during our lunch break where we had an hour to eat at local establishments.

driver100

All this family stuff reminds me, I will give you a short update about my SIL who broke into the house and took our car, then made up a ridiculous story about why he took it. I told him I didn't believe his stupid story so he said I was rude (for saying I don't believe him) and so I was banished from seeing him for a certain amount of time. Then I told them that was great, I wish he did it 10 years ago, and I asked him if he can make it a lifetime banishment.
He is the one that got the 2004 X3 fixed, instead of paying to get the AWD working he got it made into a 2 WD car and let his kids use it for university.
Seems he is not working in the family business any more (I am wondering if they caught him stealing or lying) and he needed a car, so now he is driving the X3, which has over 200k miles on it, it is still 2WD, and the a/c no longer works.
Suits him perfectly!

roadburner

imidazol97 said:

roadburner said:

I heard an eviction case where a guy was trying to throw his brother off of a family farm. The jury hung- and I always suspected it was because the jury didn’t like either guy and could not come up with a way to stick it to both of them.

Aren't juries supposed to be impartial and fair?

I was on a municipal court jury over a fight two young men had at a local wings establishment. I felt there was more that wasn't being brought out to show the etymology of the friction between the two--a woman, drugs, something was there. Didn't give the prosecutor a conviction because his guy, to me, didn't have clean hands.

Two female jurors even drove by the scene during our lunch break where we had an hour to eat at local establishments.

I think that the jury WAS impartial when it was impaneled- it was the testimony and demeanor of both guys that turned them off.

oldfarmer50

kyfdx said:

simple breach of contract and return of property.

Exactly.. of course, enforcing it will be the sticking point.

If push comes to shove ask a car dealer for the name of a repo lawyer they work with. Dealers must see this all the time.

Michaell

oldfarmer50 said:

kyfdx said:

simple breach of contract and return of property.

Exactly.. of course, enforcing it will be the sticking point.

If push comes to shove ask a car dealer for the name of a repo lawyer they work with. Dealers must see this all the time.

Better yet, contact an RV dealer - not sure if it would be the same process or company, but still....

laurasdada

driver100 said:

laurasdada said:

explorerx4 said:

@laurasdada,
I think you are trying to send us a message, but for the life of myme, I can't figure what it could be.

Ooopsie, meant to post this to CCBA. Jag goes in for brake review tomorrow (warning message on screen of low pads, want to know how much longer I can go before...). I'll have to invest a few $$$ in the beauty come December (6 year maintenance, some stuff to replace, probably new battery, oil change, rotation, etc...), so I'm debating moving on to something newer and shinier. Problem is, I just love this car. Still get unsolicited comments on it; since I don't personally, it's my only ego boost!

I didn't realize there was a low brake pad warning light....that is a nice feature, hope my E has it.

You are at the crossroads. Once you get past the brake pads you may want to sit in a new model, Jag or other car you are interested in. Find out the cost and what they will give you for yours. This is a good thing to do now, you aren't desperate for a new car, and you can say you just began researching.

Then figure out what the maintenance costs will be to bring your car up to date, and how much difference a new car will cost. Also depends whether you want this to be your last car or how many more cars you will want to buy.

There is no 100% guaranteed best answer, but, once you have the numbers you can decide what is the best option for you.

Thanks, got new rear brakes. Was hoping it was a bad sensor, but the sensor was correct. I've already gone to my Jag dealer, want to look at the 2020 XE, but they haven't put them in inventory yet; trying to get rid of '19s. And I'll probably again check out a Porsche Macan. But, right now the excitement of a new car isn't drawing me in as much as my continued enjoyment of my XF. Not to mention no car payments. But, I don't want to start investing $$$$ into this car. We kept the '02 Lexus probably a good 4 years longer than we should have.

Not to mention the stock market of the last week and a half has somewhat diminished my net worth!

driver100

laurasdada said:

driver100 said:

laurasdada said:

explorerx4 said:

@laurasdada,
I think you are trying to send us a message, but for the life of myme, I can't figure what it could be.

Ooopsie, meant to post this to CCBA. Jag goes in for brake review tomorrow (warning message on screen of low pads, want to know how much longer I can go before...). I'll have to invest a few $$$ in the beauty come December (6 year maintenance, some stuff to replace, probably new battery, oil change, rotation, etc...), so I'm debating moving on to something newer and shinier. Problem is, I just love this car. Still get unsolicited comments on it; since I don't personally, it's my only ego boost!

I didn't realize there was a low brake pad warning light....that is a nice feature, hope my E has it.

You are at the crossroads. Once you get past the brake pads you may want to sit in a new model, Jag or other car you are interested in. Find out the cost and what they will give you for yours. This is a good thing to do now, you aren't desperate for a new car, and you can say you just began researching.

Then figure out what the maintenance costs will be to bring your car up to date, and how much difference a new car will cost. Also depends whether you want this to be your last car or how many more cars you will want to buy.

There is no 100% guaranteed best answer, but, once you have the numbers you can decide what is the best option for you.

Not to mention the stock market of the last week and a half has somewhat diminished my net worth!

Maybe you get attached to your cars. I get attached, I know where everything is and how it works. Then I have to learn how things work when I get a new car......guess I would say I go out of my comfort zone.

If I was considering an SUV that Macon looks really nice.

I would find it hard to buy a new car when the market is down. If you remove money when it is low that money can't bounce back up one day....it is gone. But, you can be doing some research and looking at costs. Compare estimated costs of repairs + depreciation, and a new car may cost a bit more per year to operate than keeping your car, but, the reliability and enjoyment may be worth it. And, I look at it as forced savings, because as my old car depreciates and the cost of new ones goes up....the difference becomes greater down the road. Might actually be easier to do sooner rather than later.

jipster

Another option, I think I'd try to talk to the guy in person. Show up at the guys camper door. He needs to either sign a contract to make payments, or you want the camper back. Talk to the dad as well. Guy can move in with his dad if he can't make payments. If all else fails, show up when nobody is home and haul the camper away. You think the guy's gonna call the cops? "Somebody is taking the camper I've been squatting in!" If he does, and you're still on his property, the worse they can do is say you can't take it. Then I guess you get a lawyer.

oldfarmer50

driver100 said:

laurasdada said:

driver100 said:

laurasdada said:

explorerx4 said:

@laurasdada,
I think you are trying to send us a message, but for the life of myme, I can't figure what it could be.

Ooopsie, meant to post this to CCBA. Jag goes in for brake review tomorrow (warning message on screen of low pads, want to know how much longer I can go before...). I'll have to invest a few $$$ in the beauty come December (6 year maintenance, some stuff to replace, probably new battery, oil change, rotation, etc...), so I'm debating moving on to something newer and shinier. Problem is, I just love this car. Still get unsolicited comments on it; since I don't personally, it's my only ego boost!

I didn't realize there was a low brake pad warning light....that is a nice feature, hope my E has it.

You are at the crossroads. Once you get past the brake pads you may want to sit in a new model, Jag or other car you are interested in. Find out the cost and what they will give you for yours. This is a good thing to do now, you aren't desperate for a new car, and you can say you just began researching.

Then figure out what the maintenance costs will be to bring your car up to date, and how much difference a new car will cost. Also depends whether you want this to be your last car or how many more cars you will want to buy.

There is no 100% guaranteed best answer, but, once you have the numbers you can decide what is the best option for you.

Not to mention the stock market of the last week and a half has somewhat diminished my net worth!

Maybe you get attached to your cars. I get attached, I know where everything is and how it works. Then I have to learn how things work when I get a new car......guess I would say I go out of my comfort zone.

If I was considering an SUV that Macon looks really nice.

I would find it hard to buy a new car when the market is down. If you remove money when it is low that money can't bounce back up one day....it is gone. But, you can be doing some research and looking at costs. Compare estimated costs of repairs + depreciation, and a new car may cost a bit more per year to operate than keeping your car, but, the reliability and enjoyment may be worth it. And, I look at it as forced savings, because as my old car depreciates and the cost of new ones goes up....the difference becomes greater down the road. Might actually be easier to do sooner rather than later.

Buying opportunity. Buy your car next year when the market bounces back.

Unless you think this is the end of the world...then you should be buying milk and bread.

oldfarmer50

Oh no! Scotty’s goring my ox now!

https://youtu.be/dqZ3z6kL09s

Davercee

Oh boy! Why does he have to call it that?

suydam

After a very unpleasant set of exchanges with State Farm agents following a whopping increase in my auto insurance rates, I just switched to AAA. Even with the cost of becoming members again it’s a HUGE savings. I was reading some of the ear,over exchanges about State Farm and thinking to myself, “Uh oh. I wonder what’s going to happen with my upcoming renewal?” Well, now I know.

jipster

oldfarmer50 said:

Oh no! Scotty’s goring my ox now!

https://youtu.be/dqZ3z6kL09s

A sample of one? From what I recall, Kia's are NOW one of the most reliable brands. Which is why there isn't that huge price difference between the Kia's and Toyotas as there was 10 years ago. Scotty living in the past, O.F.

driver100

oldfarmer50 said:

Oh no! Scotty’s goring my ox now!

Once again, Scotty's comments are questionable. The RAV4 gets a 7.7 rating from Edmunds, KIA Sportage gets a 7. Pretty close. KIA price starts at about $2000 less than a RAV4, but upper limit price is similar. Why he is saying all this and showing you a really old Sportage I don't get....if he is talking about buying a new model he should be showing us a new model.

I think the RAV4 is probably worth the extra $2000 because it looks better, probably slightly more reliable, gets a higher score from Edmunds, probably depreciates less....and it looks sharper.
KIA

RAV4

qbrozen

you guys REALLY need to stop supporting him!!

stickguy

that Scotty. He's a pistol.

oldfarmer50

suydam said:

After a very unpleasant set of exchanges with State Farm agents following a whopping increase in my auto insurance rates, I just switched to AAA. Even with the cost of becoming members again it’s a HUGE savings. I was reading some of the ear,over exchanges about State Farm and thinking to myself, “Uh oh. I wonder what’s going to happen with my upcoming renewal?” Well, now I know.

My insurance rates have been steadily creeping up to the point where I’m looking into reducing the insurance coverage on my two cars that are stored during winter. I’m wondering if they’ll let me do 6 months at minimal coverage and 6 months at full coverage. What’s the point of having half million in coverage on cars that are in the garage?

stickguy

you should be able to OF. up to you what coverage you have.

I switched to Allstate last September for a good savings. But, only 6 month policy. I was skeptical about getting jacked up, but first renewal in March, make a few dollars. Just got the next one, so going into the 2nd full year, and again maybe $15 total. Not going to complain too much about that!

suydam

Check out a different insurance company. I did not have to lower coverage — in fact, I got better coverage.

oldfarmer50

qbrozen said:

you guys REALLY need to stop supporting him!!

It’s kind of like watching Roller Derby, low brow guilty pleasure.

explorerx4

@oldfarm50,
If you have loans on the 'non winter' cars, you are still required to have full coverage.

ab348

driver100 said:

I think the RAV4 is probably worth the extra $2000 because it looks better, probably slightly more reliable, gets a higher score from Edmunds, probably depreciates less....and it looks sharper.

They're both CUVs and therefore both pug-ugly (no offense to pug lovers out there, I think that expression relates to veteran prizefighters anyway, not the dog but who knows). Since I refuse to watch anything from Scotty I don't know his rationale unless it is the Hyunkia engine issues that will not go away, which would indeed give me pause.

stickguy

the sun visor did not stay up, and the AC was blowing warm, after 10 years.

qbrozen

Well, things blowing up here yet again so no idea when I’ll get around to pursuing the sleazeball.

berri

It’s kind of like watching Roller Derby, low brow guilty pleasure

So where's 747

oldfarmer50

explorerx4 said:

@oldfarm50,
If you have loans on the 'non winter' cars, you are still required to have full coverage.

My only loan is on the Mustang for another 9 payments. I would keep the Collision and comprehensive on that even after I pay it off. But I might be able to save a few hundred by reducing the liability from $500k to $10k (state minimum). The convertible isn’t worth much so no collision on that. Can’t see it doing more than $10k in damage to anyone parked in the barn.

I’d take the plates off altogether but that would be a hassle re registering and getting new plates every spring.

explorerx4

@oldfarmer50,
Here in CT once you register a vehicle for 2 years, the state don't doesn't refund anything if you cancel reg early.

driver100

oldfarmer50 said:

suydam said:

After a very unpleasant set of exchanges with State Farm agents following a whopping increase in my auto insurance rates, I just switched to AAA. Even with the cost of becoming members again it’s a HUGE savings. I was reading some of the ear,over exchanges about State Farm and thinking to myself, “Uh oh. I wonder what’s going to happen with my upcoming renewal?” Well, now I know.

My insurance rates have been steadily creeping up to the point where I’m looking into reducing the insurance coverage on my two cars that are stored during winter. I’m wondering if they’ll let me do 6 months at minimal coverage and 6 months at full coverage. What’s the point of having half million in coverage on cars that are in the garage?

We do that for sure. We can put insurance on and off. For example the Florida car is covered while it sits in the garage from April to November....just pay for comprehensive in case of fire or theft. I do the same for the E400 when I am in Florida, from Nov to April. Pay a minimal amount.

driver100

oldfarmer50 said:

explorerx4 said:

@oldfarm50,
If you have loans on the 'non winter' cars, you are still required to have full coverage.

My only loan is on the Mustang for another 9 payments. I would keep the Collision and comprehensive on that even after I pay it off. But I might be able to save a few hundred by reducing the liability from $500k to $10k (state minimum). The convertible isn’t worth much so no collision on that. Can’t see it doing more than $10k in damage to anyone parked in the barn.

I’d take the plates off altogether but that would be a hassle re registering and getting new plates every spring.

Like I say, if no one is driving it then it probably doesn't need collision. You could hide the license plates if it makes you feel better. I don't see why you need full coverage in case of an accident - collision, though maybe if it is stolen and they hit someone.

driver100

ab348 said:

driver100 said:

I think the RAV4 is probably worth the extra $2000 because it looks better, probably slightly more reliable, gets a higher score from Edmunds, probably depreciates less....and it looks sharper.

They're both CUVs and therefore both pug-ugly (no offense to pug lovers out there, I think that expression relates to veteran prizefighters anyway, not the dog but who knows). Since I refuse to watch anything from Scotty I don't know his rationale unless it is the Hyunkia engine issues that will not go away, which would indeed give me pause.

He thinks Toyotas are much better cars...fewer repairs, last longer, and yes engine issues. Not sure if that is true for latest models.
Not sure why some people like pugs (dogs), I don't get it personally, but, to each his own.

jipster

Put a new throttle body on the 2010 Mercury Milan today. Prior owner had already installed a new T.B under Ford's program, but Ford only does the free install once. The part from Ford dealership was only $78. About the same price as aftermarket. Guessing dealership would have charged around $350 or more. Did the relearn procedure for the cars computer. Drove it for about 40 minutes. Drove fine.

driver100

Good to hear Jip. By the time your done, you could get a part time job fixing Fords....or, make videos like Scotty

Jippy?

stickguy

Rev up your Jipster!

jipster

LOL. " CLOSE UP THAT WALLET AND RING THAT BELL! "

PF_Flyer

Is it this way everywhere? Red lights around here seem more and more like "suggestions". And I'm not talking about trying to make a light and it turns red before they get through. I'm talking DEAD RED. In an 8 mile trip this morning, I watched 3 drivers go through red lights. Two of them were travelling in front of me as we approached a light that had been red for at least 10 seconds. They didn't speed up, just drove straight through. The third one was coming from a cross street.

This has been getting worse and worse over the last year or so, and it's puzzling.

I think all the safety additions to cars plays a part in this. Heck, you don't need to watch the road, your car will stop for you. Why bother to make the effort to drive when you can spend more time on your phone???

stickguy

I notice this too, and assume people are just oblivious.

often, I am coming up to a light and it changes, and worrying about getting hit I decide to cheese the yellow, and get caught slightly late with it going red. Then I get all worried the FBI is about to come for me, until I look in the mirror and 2-3 more people just blow through dead red.

and when I do stop "firrmly" for a yellow, almost guaranteed someone in the other lane will blow past me. Or slam on the brakes to avoid ending up in my trunk.

berri

Cell phones and always in a rush...

jipster

PF_Flyer said:

Is it this way everywhere? Red lights around here seem more and more like "suggestions". And I'm not talking about trying to make a light and it turns red before they get through. I'm talking DEAD RED. In an 8 mile trip this morning, I watched 3 drivers go through red lights. Two of them were travelling in front of me as we approached a light that had been red for at least 10 seconds. They didn't speed up, just drove straight through. The third one was coming from a cross street.

This has been getting worse and worse over the last year or so, and it's puzzling.

I think all the safety additions to cars plays a part in this. Heck, you don't need to watch the road, your car will stop for you. Why bother to make the effort to drive when you can spend more time on your phone???

10 seconds is suicide...unless you're in the middle of nowhere with no traffic. If someone is going.the red.lights after 10 seconds, theyre probably on drugs. Or, so old they shouldn't be driving. Or, just plain idiots.

jmonroe1

driver100 said:

oldfarmer50 said:

Oh no! Scotty’s goring my ox now!

Once again, Scotty's comments are questionable. The RAV4 gets a 7.7 rating from Edmunds, KIA Sportage gets a 7. Pretty close. KIA price starts at about $2000 less than a RAV4, but upper limit price is similar. Why he is saying all this and showing you a really old Sportage I don't get....if he is talking about buying a new model he should be showing us a new model.

I think the RAV4 is probably worth the extra $2000 because it looks better, probably slightly more reliable, gets a higher score from Edmunds, probably depreciates less....and it looks sharper.
KIA

RAV4

They look pretty much the same to me. The biggest difference is the color. OK, I noticed the roof rack too.

jmonroe