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<table border="0" cellpadding="1" cellspacing="1" width="99%" align="center"> <tr bgcolor="#000000"><td> <table border="0" width="100%" cellpadding="3" cellspacing="0"> <tr bgcolor="#000099"> <td colspan="2" align="left"> <font size="2" color="#ffffff" face="Verdana, Arial"> <b>T O P I C R E V I E W</b> </font></td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Yames</b> <br /><small>Member # 5291</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,6,20,39,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> If you are making payments on a car and decide to stop that you can bring the car back at the dealership and hand over the keys and tell them that you don't want to make the payments anymore and they'll just take it back no questions asked? Is it true? Just curious. Also will this lower your credit score? <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>two-gun kid</b> <br /><small>Member # 5891</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,6,20,40,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> no, there is no cool off period in the state of ca. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>5.0-srt-4</b> <br /><small>Member # 5864</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,6,20,55,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> why would u take it back to the dealer???? its not there car anymore its the banks..ya know where you got the money from to buy the car....are you kidding me about lowering your credit score????? <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Stevo</b> <br /><small>Member # 972</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,6,21,34,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> Yes, you can. But, you are going to see a repo on your credit score. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>5.0-srt-4</b> <br /><small>Member # 5864</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,6,21,43,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by Stevo:<br /><strong> Yes, you can. But, you are going to see a repo on your credit score. </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">the dealer has nothing to do with that car anymore..they were paid off in full when the bank gave you that loan....dropping it off at the dealer would be the same as dropping it off at a gas station...no payment..bad credit <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>dynoguy</b> <br /><small>Member # 6457</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,7,1,2,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> It's called a volumtary surrender. You give the car to the finance company and they auction the car off. You are responsible for any amount of the note that is not covered by the auction. This will stay on your credit report for 7 years i think.<br />Not your best option. <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>modular</b> <br /><small>Member # 6599</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,7,1,21,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> There is a cooling period in Cali now. Been so for about a year. There is no difference on your score if you say it was voluntary or a flat repo. Think about the logic every single person would say it was voluntary. I suggest really good insurance and put the car up for sale in the ghetto leave it there for a few days and pray. <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Norcalbmxer</b> <br /><small>Member # 235</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,7,1,37,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by modular:<br /><strong> There is a cooling period in Cali now. Been so for about a year. There is no difference on your score if you say it was voluntary or a flat repo. Think about the logic every single person would say it was voluntary. I suggest really good insurance and put the car up for sale in the ghetto leave it there for a few days and pray. </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Mr smart guy....putting your car up for sale and then having it stolen sends up a big red flag for the insurance companies.... <br /> </font> </td></tr> <tr bgcolor="#dedfdf"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>Yames</b> <br /><small>Member # 5291</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,7,5,35,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> Yeah I was just wondering because someone mentioned it to me the other day, I have no plans on getting rid of my car. I actually plan on having it paid off by the end of the summer, thanks for the response. <br /> </font> </td></tr> <tr bgcolor="#f7f7f7"> <td valign="top" width="18%"> <font size="2" face="Verdana, Arial"> <b>modular</b> <br /><small>Member # 6599</small> </font></td> <td width="82%"> <font size="1" face="Verdana, Arial"> <img src="https://californiafords.com/ubb/posticon.gif" border="0" alt=" - " /> posted <script language="JavaScript1.3" type="text/javascript"> document.writeln(timestamp(new Date(2006,3,7,19,13,0), dfrm, tfrm, 0, 0, 0, 0)); </script><hr /> </font> <font size="2" face="Verdana, Arial"> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by Norcalbmxer:<br /><strong> </font><blockquote><font size="1" face="Verdana, Arial">quote:</font><hr /><font size="2" face="Verdana, Arial">Originally posted by modular:<br /><strong> There is a cooling period in Cali now. Been so for about a year. There is no difference on your score if you say it was voluntary or a flat repo. Think about the logic every single person would say it was voluntary. I suggest really good insurance and put the car up for sale in the ghetto leave it there for a few days and pray. </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Mr smart guy....putting your car up for sale and then having it stolen sends up a big red flag for the insurance companies.... </strong></font><hr /></blockquote><font size="2" face="Verdana, Arial">Show me where I said "have it stolen"? Before you try to act cool you need to know what your talking about. I said "pray". I think people who do insurance jobs are STUPID! Risking lots of prison time for a few thousand dollars.<br /><br />Also when you return a car there is quite a bit of money youre responsible for. Its not a full refund infact nobody really ever does it because its a lot of $ to return a car.<br /> <br /> <small>[ April 07, 2006, 07:16 PM: Message edited by: modular ]</small> <br /> </font> </td></tr> </table></td></tr></table> <br /> <br />
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