I did something so stupid - any way out???

[Minato08]

NO.  You do NOT have to talk to them in person.  You already told them no.  You can have someone to talk to them on your behalf, if you want to.  This can be anyone and you don't need any writing to do it.  Just have them say that they're calling on your behalf or as your agent.  Remember though, you do NOT have to go anywhere to talk to them in person.  A telephone call is perfectly suitable to say no.  

  Also, you never took delivery on the vehicle so it is highly unlikely that a loan is out there requiring your monthly payments.   They probably want you to come in so they can put the keys in your hand.   

[Minato08]

Due to the lack of any news from the OP, I'm guessing she ended up with a new car.

[Tazman81]

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@Minato08 wrote:

Due to the lack of any news from the OP, I'm guessing she ended up with a new car.

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+1   ---- unfortunately.... 

[DeeDee642]

No I did not buy a car. I was able to tell them that I did not agree with the terms of the financing and did not accept delivery.  They have stopped calling. I am angry, though, because I gave them permission to run my credit. I even asked them if there was anyway they could do a "soft" inquiry because I am always trying to watch that. So, they couldn't do a soft hit, and I allowed the inquiry. However, there are THREE separate inquiries being reported by Transunion. Two on the day I was at the dealership and another one for a later date. I think I am going to try to dispute the extra two.

Janice

[BungalowMo]

I'm SO happy that you got out of the contract!!!! 

While it would be nice to get those 2 extra pulls removed, if they refuse....I'd still be counting my lucky stars that I'm not sitting there with a big ol car payment. 

It's all relative, and that's a relatively cheap lesson learned.  Agreed?

And now you know what not to do next time! 

I'm happy for ya....that payment would have killed ya!

[Anonymous]

woohoo! congrats!

I've been silently pulling for you.

[dznen1]

I was pulling for you too.  I'm very happy that the weight has been lifted from you.   

[DeeDee642]

Thanks for all your kind thoughts. Once I came to my senses, I realized, of course that a one time repair cost of $1200 was way better than getting tied up with those monthly payments. The dealership has stopped tryng to contact me. I have not heard from them since July 6th. My biggest fear is that I am going to find a big fat envelope with monthly payment coupons in my mailbox from Nissan. Then, when I don't turn them in, they will report me. Hopefully, that will not happen. It was a lesson learned the hard way. But, it could have been so much worse. Crossing my fingers that my 2003 Oldsmobile holds out for another 30,000 miles or so! My scores have been going up and I have been making some real progress, hopefully, their repetitive inquiries won't hurt too much.

Thanks again for your thoughts and suggestions. I'm off too teach summer school.

Janice

[BungalowMo]

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@DeeDee642 wrote:

Thanks again for your thoughts and suggestions. I'm off too teach summer school.

Janice

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Give them a "freebie" course in FICO-nomics!    It's never too early or late to learn!

btw...the 6th was my b-day, so I have good vibes about no coupon book in the mail!  Sending the good mojo your way!

[Anonymous]

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@DeeDee642 wrote:

No I did not buy a car. I was able to tell them that I did not agree with the terms of the financing and did not accept delivery.  They have stopped calling. I am angry, though, because I gave them permission to run my credit. I even asked them if there was anyway they could do a "soft" inquiry because I am always trying to watch that. So, they couldn't do a soft hit, and I allowed the inquiry. However, there are THREE separate inquiries being reported by Transunion. Two on the day I was at the dealership and another one for a later date. I think I am going to try to dispute the extra two.

Janice

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Disputing hards is a good way to end up with a fraud alert.  They had the PP to pull.