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Chronic Car Buyers Anonymous (Archived)

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  • qbrozenqbrozen Member Posts: 33,736
    speaking of Jags. I snapped a pic of this for my wife. Showed it to her and she said "well, my birthday isn't far away."


    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • laurasdadalaurasdada Member Posts: 5,181
    Like Jags post-original XF, I find the interior of the F-Pace not up to standards. They may address that with the '21, as Jag improved the interior materials of the '20 XE.

    But, a nice SUV, I"ve heard a good drive. But, not for me.

    '21 Dark Blue/Black Audi A7 PHEV (mine); '22 White/Beige BMW X3 (hers); '20 Estoril Blue/Oyster BMW M240xi 'Vert (Ours, read: hers in 'vert weather; mine during Nor'easters...)

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    mjfloyd1 said:
    Hockenheim Silver is one of my favorite Motorsport colors.
    I remembered that. I’m here to help, I have the time...
  • 28firefighter28firefighter Member Posts: 9,826
    andres3 said:

    So...you stood your ground with Kia over $350 and jacked up your credit? Totally worth it.../s

    I didn't know the Credit Bureau's were like the fox guarding the hen house for corrupted banks like Kia Finance.

    I honestly thought I'd get the credit Bureau's to see the light, but this was like the opposite experience of a "charge back" experience with a credit card company when disputing a charge.
    The credit bureaus do not work for you like a credit card company does. And if you were late on payments I assure you they wouldn’t be.
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • mjfloyd1mjfloyd1 Member Posts: 3,806
    andres3 said:

    So...you stood your ground with Kia over $350 and jacked up your credit? Totally worth it.../s

    I didn't know the Credit Bureau's were like the fox guarding the hen house for corrupted banks like Kia Finance.

    I honestly thought I'd get the credit Bureau's to see the light, but this was like the opposite experience of a "charge back" experience with a credit card company when disputing a charge.
    How long does that trash your credit for? I’d have paid the $350 and moved on. You had no evidence (pictures) that you gave them two keys. It is your word vs theirs. Not worth it over $350.
  • andres3andres3 Member Posts: 13,934
    edited October 2020
    That's my main problem, they don't have any evidence either, other than doctored under the table paperwork done behind closed doors in the middle of the night. I call stalemate; we each have inadequate evidence to make a claim either way. The default should be no charge/no bill.

    I can provide my own one-sided paperwork too, and I did actually.

    As to how long I lose about 150 points on my credit rating, who knows? I know every time I appealed the credit bureau's decisions, it seemed the "charge-off" abbreviated CO repeated monthly, month after month. This might be due to my repeated dispute and appeal disputes where they reiterate the charge over and over.

    Frankly, I can't figure out how losing a customer for life over $350 makes sense to Kia. I also fear all leasing banks now as a bigger scam than time shares.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • andres3andres3 Member Posts: 13,934

    andres3 said:

    So...you stood your ground with Kia over $350 and jacked up your credit? Totally worth it.../s

    I didn't know the Credit Bureau's were like the fox guarding the hen house for corrupted banks like Kia Finance.

    I honestly thought I'd get the credit Bureau's to see the light, but this was like the opposite experience of a "charge back" experience with a credit card company when disputing a charge.
    The credit bureaus do not work for you like a credit card company does. And if you were late on payments I assure you they wouldn’t be.
    That fact that the Bureau's don't work for the people was very clear right away if I didn't know it beforehand. It starts with the extremely limited amount of characters inside a tiny box you're allowed to write in to dispute a record online.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • 28firefighter28firefighter Member Posts: 9,826
    edited October 2020
    Because the fact is, your gripe is with the dealer where you grounded the car and not Kia.

    The dealer lost your second key, you didn’t document the return, and therefore Kia was not made whole. Kia doesn’t care about customers who don’t hold up their end of a lease.

    You made a choice to try and fight it without paying (vs paying and trying to get it refunded) and trashed your credit.
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • andres3andres3 Member Posts: 13,934
    edited October 2020

    Because the fact is, your gripe is with the dealer where you grounded the car and not Kia.

    The dealer lost your second key, you didn’t document the return, and therefore Kia was not made whole. Kia doesn’t care about customers who don’t hold up their end of a lease.

    You made a choice to try and fight it without paying (vs paying and trying to get it refunded) and trashed your credit.

    I disagree wholeheartedly and find your position absolutely radically absurd.

    Kia Finance blames the dealer for losing the 2nd Key FOB, or me. Since I returned it to the dealer, I have to blame the dealer or Kia Finance. I have no real proof which of the two lost it, just that one of them did. I have reason to believe it was the dealership, but I can't be absolutely certain the incompetence wasn't on Kia Finance's side (at least partially).

    Kia chose the returning dealership. I'd of rather left the car by the side of the highway, but the contract stipulated I go to select dealerships limited to a very limited selection by them; mainly Kia dealerships in the USA.

    If the contract allowed me more flexibility, I could see turning the tables on the leasee, but since the contract is so extremely restrictive, it is reasonable to assume they vet the limited amount of return locations as being reasonably competent.

    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • 28firefighter28firefighter Member Posts: 9,826
    I’d rather be radically absurd but with my credit intact. And it is. To each their own!
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • andres3andres3 Member Posts: 13,934

    I’d rather be radically absurd but with my credit intact. And it is. To each their own!

    I guess my main point is I have no proof that Kia Finance is innocent in the matter. I only have that they sent me a bill; which assumes they are honest and trustworthy.

    I can't make that assumption with Kia Finance or any Bank for that matter.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • andres3andres3 Member Posts: 13,934

    Because the fact is, your gripe is with the dealer where you grounded the car and not Kia.

    The dealer lost your second key, you didn’t document the return, and therefore Kia was not made whole. Kia doesn’t care about customers who don’t hold up their end of a lease.

    You made a choice to try and fight it without paying (vs paying and trying to get it refunded) and trashed your credit.

    By the way, you mentioned "paying on-time" as a mitigating factor for banks. No one at Kia Finance seemed to notice 36 lease payments were made on-time, promptly, and in full, including a disposition fee of $400 which got mixed in with the Key FOB charge. The car also had brand new tires, not really a prime candidate for someone trying to pull a fast one on them.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • tjc78tjc78 Member Posts: 16,958
    None of that matters to Kia finance. They only see a customer who didn’t return two fobs.

    In all reality, you probably could have gotten a cheap used one ion Ebay for $100 and sent it to them if you didn’t want to spend $350

    2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic

  • oldfarmer50oldfarmer50 Member Posts: 24,200
    andres3 said:
    With that milage do you think it has any left? You’d have to be a huge fan to buy a tribute car for that kind of money. Somebody explain the logic.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,200
    mjfloyd1 said:

    andres3 said:

    So...you stood your ground with Kia over $350 and jacked up your credit? Totally worth it.../s

    I didn't know the Credit Bureau's were like the fox guarding the hen house for corrupted banks like Kia Finance.

    I honestly thought I'd get the credit Bureau's to see the light, but this was like the opposite experience of a "charge back" experience with a credit card company when disputing a charge.
    How long does that trash your credit for? I’d have paid the $350 and moved on. You had no evidence (pictures) that you gave them two keys. It is your word vs theirs. Not worth it over $350.
    I can understand the outrage. I suppose I’d pay if I was planning to use credit a lot but otherwise I’d dig in my heels. What a good lesson to learn. Demand a receipt for everything.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • stickguystickguy Member Posts: 53,350
    Friday night auction browsing!

    I love this one. not sure I fit though. I think this is the generation after the one I had so maybe. Plus I am 40 pounds lighter now. Must be quick with the juiced up turbo.

    https://carsandbids.com/auctions/rEqjzXYV/2004-mazdaspeed-mx-5-miata

    Here is one for OF. Get back on the Mark train! ultra low mile Florida car.

    https://carsandbids.com/auctions/r4znmXQA/1998-lincoln-mark-viii

    And the site found the other ATS manual they sold! What are the odds of that? This one is even nicer. Newer, good colors. Pretty car. Good thing I don't need one since this unit is 2 hours or so from me.

    https://carsandbids.com/auctions/9lvLQwwZ/2015-cadillac-ats-sedan

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • xwesxxwesx Member Posts: 17,686

    andres3 said:
    With that milage do you think it has any left? You’d have to be a huge fan to buy a tribute car for that kind of money. Somebody explain the logic.
    Yeah, I completely agree. I'm a big fan of these V10 Touaregs, but this one doesn't make any sense to me at all.
    2018 Subaru Crosstrek, 2014 Audi Q7 TDI, 2013 Subaru Forester, 2013 Ford F250 Lariat D, 1976 Ford F250, 1969 Chevrolet C20, 1969 Ford Econoline 100
  • qbrozenqbrozen Member Posts: 33,736
    Yeah, I tagged that ATS. Lol. Too bad that’ll never happen.

    Geez, I’m pretty sure white must be the WORST color for the MKviii.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • xwesxxwesx Member Posts: 17,686
    qbrozen said:

    Yeah, I tagged that ATS. Lol. Too bad that’ll never happen.

    Geez, I’m pretty sure white must be the WORST color for the MKviii.

    I think one could do worse than white over tan on these, but you're right: The burgundy paint in place of white practically transforms the look!
    2018 Subaru Crosstrek, 2014 Audi Q7 TDI, 2013 Subaru Forester, 2013 Ford F250 Lariat D, 1976 Ford F250, 1969 Chevrolet C20, 1969 Ford Econoline 100
  • qbrozenqbrozen Member Posts: 33,736
    So something intriguing popped up on the other board. @28firefighter knows what I’m talking about. Someone discovered that PenFed will give 24-36-mo balloon terms on vehicles. This has potential to play out well on vehicles that hold their value, such as the buyer’s Scat Pack. I ran the numbers on one I found and it is well under $400/mo with minimal at signing. The balloon payment at the end is also well under what similar used ones are worth. Like I said...intriguing.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • xwesxxwesx Member Posts: 17,686
    Out of curiosity, I searched for a Golf Alltrack SEL with manual transmission on Autotrader.... The list of results was impressive!
    2018 Subaru Crosstrek, 2014 Audi Q7 TDI, 2013 Subaru Forester, 2013 Ford F250 Lariat D, 1976 Ford F250, 1969 Chevrolet C20, 1969 Ford Econoline 100
  • mjfloyd1mjfloyd1 Member Posts: 3,806
    andres3 said:

    I’d rather be radically absurd but with my credit intact. And it is. To each their own!

    I guess my main point is I have no proof that Kia Finance is innocent in the matter. I only have that they sent me a bill; which assumes they are honest and trustworthy.

    I can't make that assumption with Kia Finance or any Bank for that matter.
    I suspect that Kia Finance is gonna side with a Kia dealership only 99.9999999% of the time
  • 28firefighter28firefighter Member Posts: 9,826
    mjfloyd1 said:

    andres3 said:

    I’d rather be radically absurd but with my credit intact. And it is. To each their own!

    I guess my main point is I have no proof that Kia Finance is innocent in the matter. I only have that they sent me a bill; which assumes they are honest and trustworthy.

    I can't make that assumption with Kia Finance or any Bank for that matter.
    I suspect that Kia Finance is gonna side with a Kia dealership only 99.9999999% of the time
    So, you’re saying there’s a chance.
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • mjfloyd1mjfloyd1 Member Posts: 3,806

    mjfloyd1 said:

    andres3 said:

    I’d rather be radically absurd but with my credit intact. And it is. To each their own!

    I guess my main point is I have no proof that Kia Finance is innocent in the matter. I only have that they sent me a bill; which assumes they are honest and trustworthy.

    I can't make that assumption with Kia Finance or any Bank for that matter.
    I suspect that Kia Finance is gonna side with a Kia dealership only 99.9999999% of the time
    So, you’re saying there’s a chance.
    I see why you might say that...Not
  • mjfloyd1mjfloyd1 Member Posts: 3,806
    In life, you must choose your battles...
  • stickguystickguy Member Posts: 53,350
    edited October 2020
    xwesx said:

    Out of curiosity, I searched for a Golf Alltrack SEL with manual transmission on Autotrader.... The list of results was impressive!

    better than zero. but that is just Autotrader. Cars.com has about 25 2018-2019 (minus of course, the ones that are listed as manual but are really automatics)

    I do like this one. Might be a nice alternative to a GTI! love this color combo

    https://www.cars.com/vehicledetail/detail/824868177/overview/

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • 28firefighter28firefighter Member Posts: 9,826
    Try to find an SEL with lighting. Having the LED headlights is a must IMO.
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • stickguystickguy Member Posts: 53,350
    what does the SE have? Hard to tell from the picture.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • oldfarmer50oldfarmer50 Member Posts: 24,200
    stickguy said:

    Friday night auction browsing!

    I love this one. not sure I fit though. I think this is the generation after the one I had so maybe. Plus I am 40 pounds lighter now. Must be quick with the juiced up turbo.

    https://carsandbids.com/auctions/rEqjzXYV/2004-mazdaspeed-mx-5-miata

    Here is one for OF. Get back on the Mark train! ultra low mile Florida car.

    https://carsandbids.com/auctions/r4znmXQA/1998-lincoln-mark-viii

    And the site found the other ATS manual they sold! What are the odds of that? This one is even nicer. Newer, good colors. Pretty car. Good thing I don't need one since this unit is 2 hours or so from me.

    https://carsandbids.com/auctions/9lvLQwwZ/2015-cadillac-ats-sedan

    Those are all nice. On the MarkVIII I’d jump at that if the air ride was still functional. On the minus side the driver’s seat is broken and a replacement seat frame will run you $1000. (If they still make them)

    Like you I’d wonder if I could fit in the Miata. Those draw crazy money.

    I’d really prefer the ATS.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • roadburnerroadburner Member Posts: 18,331
    qbrozen said:



    Geez, I’m pretty sure white must be the WORST color for the MKviii.

    I loved my dad's MarkVII LSC; I had high hopes for the MarkVIII but Lincoln decided to go full Serta Luxury rather than build on the American GT theme of the LSC.

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • mjfloyd1mjfloyd1 Member Posts: 3,806
    The other problem with a trashed credit rating is that credit ratings are also used to determine auto insurance rates and more.

    https://www.google.com/amp/s/www.credit.com/credit-reports/how-credit-impacts-your-day-to-day-life/?amp
  • oldfarmer50oldfarmer50 Member Posts: 24,200
    Wasn’t someone looking for advice on tire inflators?

    https://youtu.be/kTpSgUyyBA8

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • qbrozenqbrozen Member Posts: 33,736
    edited October 2020
    checked X2 for fun. Carvana=$25k. Vroom=$23k. ALgo=$22.5k. That's quite a spread.

    Minus taxes, I believe payoff is roughly $25.7k. I'd only present an option to the wife that involved getting money back.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • kyfdxkyfdx Moderator Posts: 265,659
    qbrozen said:

    checked X2 for fun. Carvana=$25k. Vroom=$23k. ALgo=$22.5k. That's quite a spread.

    Minus taxes, I believe payoff is roughly $25.7k. I'd only present an option to the wife that involved getting money back.

    Carmax?

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  • 28firefighter28firefighter Member Posts: 9,826
    What’s your lease payment? Could probably transfer it and break even...
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • explorerx4explorerx4 Member Posts: 20,723
    Wife and I did some lot walking today.
    At this point, not interested in anything new until they are leftovers next calendar year.
    Found a couple of CPO Explorers that could work.
    2018 XLT
    https://www.hoffmanfordct.com/used/Ford/2018-Ford-Explorer-east-hartford-ct-a479c9290a0e0a1711420d6885b979bb.htm
    2017 Sport
    https://www.monacoford.com/certified/Ford/2017-Ford-Explorer-glastonbury-ct-c8f5cab50a0e0a6b34032e095d92ec90.htm?searchDepth=9:12
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • oldfarmer50oldfarmer50 Member Posts: 24,200

    Wife and I did some lot walking today.
    At this point, not interested in anything new until they are leftovers next calendar year.
    Found a couple of CPO Explorers that could work.
    2018 XLT
    https://www.hoffmanfordct.com/used/Ford/2018-Ford-Explorer-east-hartford-ct-a479c9290a0e0a1711420d6885b979bb.htm
    2017 Sport
    https://www.monacoford.com/certified/Ford/2017-Ford-Explorer-glastonbury-ct-c8f5cab50a0e0a6b34032e095d92ec90.htm?searchDepth=9:12

    I’d go with the red one.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • explorerx4explorerx4 Member Posts: 20,723
    edited October 2020
    @oldfarmer50,
    My wife likes that one too. She said the gray one looked like a police car.
    One good thing about the red one is that it was sold less than 2 years ago, so for the CPO it has another 5 years and 82K on the powertrain warranty. Plus they add 12 months and 12K onto the original 3YR/36K bumper to bumper.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • stickguystickguy Member Posts: 53,350
    red one is sharp.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • oldfarmer50oldfarmer50 Member Posts: 24,200
    edited October 2020

    @oldfarmer50,
    My wife likes that one too. She said the gray one looked like a police car.
    One good thing about the red one is that it was sold less than 2 years ago, so for the CPO it has another 5 years and 82K on the powertrain warranty. Plus they add 12 months and 12K onto the original 3YR/36K bumper to bumper.

    You might want to wait awhile. The experts on YouTube are predicting big price drops by December. Look at these charts for where prices are right now. They say they’re just starting to come down now. Except for pick-ups.



    Makes me feel smart for buying in very early June.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • explorerx4explorerx4 Member Posts: 20,723
    @oldfarmer50,
    Heading out of town until Columbus Day, so I won't be doing anything before then.
    There do seem to be a glut of Explorers available, but when you find a nice one, maybe you have to make a move.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • qbrozenqbrozen Member Posts: 33,736

    What’s your lease payment? Could probably transfer it and break even...

    $329.99. But we wouldn’t even do that. We have no desire to be rid of it unless there was some added benefit. Only one small downside is that she isn’t using all the miles we pay for.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • 28firefighter28firefighter Member Posts: 9,826
    This is a pretty rare bird - manual, sport, xenons, etc. only thing missing to me is the HK stereo.

    https://seattle.craigslist.org/see/cto/d/seattle-2014-bmw-320i-6mt-sport-package/7205383592.html
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • nyccarguynyccarguy Member Posts: 17,499

    This is a pretty rare bird - manual, sport, xenons, etc. only thing missing to me is the HK stereo.

    https://seattle.craigslist.org/see/cto/d/seattle-2014-bmw-320i-6mt-sport-package/7205383592.html

    Nice car. I’m not sure about the price though. He’s preaching to a very small choir. The majority of Stick Shift enthusiasts are going to want at least a 335i, settle for a 328i and be willing to pay for it.

    I wonder how a car like this would do on Cars & Bids.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • stickguystickguy Member Posts: 53,350
    edited October 2020
    No clue how realistic the price is, but for me, the car is perfect (other than the interior color). I have no issues with a 320, for the way I drive and what I would do with it. Especially since it’s not saddled with AWD. I love it. Has to be quicker than my 1985 Colt with 62 HP.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • kyfdxkyfdx Moderator Posts: 265,659
    stickguy said:

    No clue how realistic the price is, but for me, the car is perfect (other than the interior color). I have no issues with a 320, for the way I drive and what I would do with it. Especially since it’s not saddled with AWD. I love it. Has to be quicker than my 1985 Colt with 62 HP.

    I'm normally one that is happy with the base HP vehicle, but not sure about that one. The loaners I had were pretty poky.

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  • stickguystickguy Member Posts: 53,350
    They were also likely automatic AWD cars. I assume that car 0-60 was maybe 7 seconds? Plenty fast. And can wind it out a silly enough for entertainment.

    Power wise, probably comparable to an E46 325 I imagine.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • kyfdxkyfdx Moderator Posts: 265,659
    stickguy said:

    They were also likely automatic AWD cars. I assume that car 0-60 was maybe 7 seconds? Plenty fast. And can wind it out a silly enough for entertainment.

    Power wise, probably comparable to an E46 325 I imagine.

    Yes, about the same as the 325i.

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This discussion has been closed.