Re: OT Why isn't anyone griping about Chinese goods ?

"Ernesto" <earnest37@sbcglobal.net> wrote in message
news:nwHJh.7906$FG1.744@newssvr27.news.prodigy.net...
[color=blue]
> Did they ever think to just get up and walk out?![/color]

Have you ever sat in the room with the "Finance Guy?" Some people fall
for their spiel, some don't. A lot of people only care about the
monthly payments and don't really comprehend the double talk. I
usually arrange my own financing (if needed) before I ever talk to a
salesman. Recently I did let the finance guy do the paperwork for me.
He financed it through my credit union at exactly the same rate they
quoted me. I know the dealer got a kick-back from the credit union but
they would not give me a lower rate when I contacted them separately.

Regardless, I only copied that particular article to demonstrate that
Japanese companies are just as willing to stab their Customers in the
Back as domestic companies. Anybody that thinks Toyota is in business
for the good of humanity is a fool. In the end, Toyota will mislead
Consumers just like GM, or Ford, or Wal*Mart if it allows them to make
an extra buck.

Ed

"C. E. White" <cewhite3@removemindspring.com> wrote in message
news:45f94323$1@kcnews01...[color=blue]
>
> "Ernesto" <earnest37@sbcglobal.net> wrote in message
> news:nwHJh.7906$FG1.744@newssvr27.news.prodigy.net...
>[color=green]
>> Did they ever think to just get up and walk out?![/color]
>
> Have you ever sat in the room with the "Finance Guy?" Some people fall for
> their spiel, some don't. A lot of people only care about the monthly
> payments and don't really comprehend the double talk. I usually arrange my
> own financing (if needed) before I ever talk to a salesman. Recently I did
> let the finance guy do the paperwork for me. He financed it through my
> credit union at exactly the same rate they quoted me. I know the dealer
> got a kick-back from the credit union but they would not give me a lower
> rate when I contacted them separately.
>
> Regardless, I only copied that particular article to demonstrate that
> Japanese companies are just as willing to stab their Customers in the Back
> as domestic companies. Anybody that thinks Toyota is in business for the
> good of humanity is a fool. In the end, Toyota will mislead Consumers just
> like GM, or Ford, or Wal*Mart if it allows them to make an extra buck.
>
> Ed[/color]

Only in the same sense that credit card companies mislead consumers when
they make an extra buck by charging merchants. It's almost the same thing
when you let the finance guy do your paperwork. As long as the price is the
same with or without going through the dealer, I don't see how it is
different, except it is the dealer who gets the kickback from the credit
union, not the other way around, like it usually is when you use a credit
card or debit card (the credit union or bank gets a percentage of the sale).

Of course, as far as the credit union loan is concerned, remember who owns
the credit union. You and the other members. You lost out on money for the
credit union that you are part of.

The only time I got a car loan, I got one of the ones that comes with a
blank check that you sign and give to the dealer. when the check is cashed,
it becomes the loan and, of course, is approved before you get the check.

But these comments only apply to charges someone gets for the financing part
of the deal (whether it is with a credit card or auto loan). Other practices
that the auto dealers do are clearly misleading.

At least you did your homework and found out that the rate didn't change.

Jeff