How auto lenders can disable your car if you miss payment

[@manb4war]

Small dealerships use the device the way any predatory lender would. That is, loan you money with crazy interest and then when you can't pay they quickly take the car back to start the process all over again with someone else. It's like selling the same car twice...or more.

[@FavDogBisquit]

isn't there some loophole for the consumer?

[@YuckFou0x0FFFF]

Nobody forced to buy a car from any dealership. And nobody forced you to buy a car you don't have the money to pay for cash outright. If you got a high interest rate, it's probably because you have bad credit or bad negotiation skills or both. And if you have bad credit, it's probably because you've shown an inability to make good financial decisions with lenders.

[@Lubbocksfinest]

They auction the cars off

[@criminal268]

@@YuckFou0x0FFFF yes they do force you to buy car government design major city so that your only choose is to buy a car to move around

[@YuckFou0x0FFFF]

@@criminal268 You're not even forced to go to work everyday or live in the city. You could buy some land dumb cheap in Alaska and hunt and forage if you REALLY wanted to.

[@AdamSmith-gs2dv]

$21k for a Cobalt?! That's INSANE! You can buy them used for $5k!

[@zjones9876]

They are older, uneducated, minority, with bad credit, and no down payment, and desperate. that's a sure fire recipe to get ripped off.

[@chrisstromberg6527]

Yep, there are a lot of predators out there preying on those with no financial literacy.

[@prettyboypauly4300]

or less

[@nullcrypt]

they try scamming older people who don’t know much about cars

[@ainsley1114]

This is worse than predatory loans

[@joshuachung8862]

This is easy. Find the pin connector to your starter it will some how be reconnected to this device. Locate the hot wire going directly from the battery to this device. Then cut the wires going from the device to your battery and the oin connector. Reconnect the wire from your battery to your pin connector and the car will start.

[@ScottysBackYardBBQ]

its fine if they shut it off, but they should let you know a head of time. so your not away from your hour. give a 48 hour notice at least.

[@vivillager]

The notice is included in the contract

[@thunderbolt_blitz]

@@vivillager yeah the 40 page essay in size 1 text

[@vivillager]

@@thunderbolt_blitz, if that were true, then no repossession would be enforceable. Courts have typically upheld agreements so long as "it was conspicuous in the writing so that the buyer should have known of it..." - LaBella v. Charlie Thomas, Inc., 942 S.W.2d 127 (Tex. App. - Amarillo 1997, writ denied). Also, it's a bit hard for a customer to argue "I didn't know about it" when the customer signs. Courts view signatures as 3 things: 1) - That the customer read it 2) - That the customer understood it 3) - That the customer agreed to it. If the customer did not read, understand, or agree to give permission for the lienholder to repossess, then the customer should not of signed. Have you ever heard of someone who signs unknown and unread documents because that's a personal hobby of theirs? I haven't.

[@Wootangtw]

I can see and understand the company being able to find the car with a tracking device but not being able to shut the car down…

[@dnealove3070]

Everybody gotta solution 🤦🏾 I know ppl with great credit and nice cars from real dealerships that have had to defer a payment because they ran into a situation. I know ppl with great credit that have had to get extensions multiple times, ppl with great credit and good jobs that have had to work something out... So let's not act like because a person got a car from one of these dealerships and missed a payment that they're bad ppl who don't pay their bills.

[@drnapalm7605]

D'nea Love keyword here is good credit... have good credit just in case something happens. Things have consequences

[@FavDogBisquit]

@@drnapalm7605 poverty, & not knowing the right people has consequences,?? 😂

[@YuckFou0x0FFFF]

It's not about being a bad person it's about finances. If you know if you don't have 20k laying around to pay for car, don't buy it!! Buy a 4k car instead!!!

[@latoyaguion2704]

Absolutely agree

[@JS-fb6ww]

The reason they're at those dealerships in the first place is because they have a history of not paying their bills.

[@tangieej9844]

She’s absolutely right you dont know until youve been there because the car dealership wont even let you know that the car has a shut off system like they are supposed to you just purchase the car & later on find out, which is okay you shutting off the for a late payment is understandable but people do have emergencies which is dangerous because they can cut the car off at any time.

[@jessegarcia5056]

That’s how that make there money high car payment because they know people have problems that come up and then they go and take car back and do it all over

[@vivillager]

We dealers make money by selling cars, not by repossessing them. We want the money, not the car. If we wanted the car, we'd never put a for sale sign on it.

[@bigbusiness6067]

@@vivillager Preach 👏👏👏

[@missmichelle2201]

Dogg House not.

[@NicVandEmZ]

Can’t you just remove devices disconnected that devices so that you can use the car again

[@rubinreyes4492]

@@vivillager some of you do make money reposseing cars it's a lucrative buisness.

[@neocush1]

All this talk about the device, they went right pass the 28.something % interest rate for a car loan. That should be illegal. You might as well buy your car w/ a high interest rate credit card.

[@blackericdenice]

neocush1 People like her don’t have credit cards.

[@bladesnapp4385]

@@blackericdenice people shouldn't have to have a credit card to have good credit. And 20 plus percent interest on a car over 10 yrs old is ripping people off.

[@blackericdenice]

@@bladesnapp4385 You are right. You have to buy something on credit to have credit. I bought a car for 42 months @ 23%. Yes they got me but I had really bad credit at the time.

[@bladesnapp4385]

@@blackericdenice I hear you. I'm disabled and well it's not some big monthly payday as some seem to thank it is. I had a truck that had ran its course. And had to get a newer vehicle and 05 and we are hit with 22 pct. I understand this issue very well. Every state is supposed to have consumer protection. But they all allow this predatory lending. Went from a 98 to 05. No way to really build credit unless you get some trash loan like this

[@vivillager]

I should remind everyone that this lady had options. She could have chosen to buy a car from another dealer with more favorable terms. Instead, she decided to purchase from this dealer under those terms, and she agreed to those terms in writing.

[@jamiedelacruz2513]

I have this in my car. I make on time payments but the device malfunctions, and I cant start my car. I have an eco friendly car so my car shuts off at stop lights and in traffic and when the passtime malfunctions I'm stuck either in traffic or at the stop light. This is dangerous.

[@laketarhodes]

What did u do. Mine did this and the finance company keeps telling me my account is current and my vehicle is enabled

[@zr71offroad20]

Rip it Out.

[@adrainemitchell2506]

@@zr71offroad20 how?? Cause i got one

[@human-qp1mf]

I have this on my car but the car company didn't take it off. When I paid it off. I wondered if it might eventually malfunction. The light beeps red. I don't know how to take it off, that's why I'm here.

[@FavDogBisquit]

🕳️🤦🏾‍♀️ugk

[@JasonSpitzMI50]

There should be a law against loan predators over charging people. But it will remain legal as long as it's sticking it to the black people or people of color.

[@crescentprincekronos2518]

White people take subprime loans too. Stop thinking we're the biggest victim. We're not. I'm so tired of this overt tribalism in humans. It hold us back. I'm black but it's not really important to who I am.

[@honestyisthebestpolicy1696]

Ally Finance

[@Karen-ur6mm]

They overcharge everyone.. not just black people

[@neonnoir9692]

Good.

[@blackgeneral826]

A Cobalt isn’t 29,000 brand new with 0 miles 👀 DAYUM

[@lefthanded5473]

Black General these high interest rate loans are the work of the devil.

[@vivillager]

@@lefthanded5473, The interest is a reflection of the risk of the loan. If the debtor has proven himself (or herself) to be a low risk, then a creditor can justify issuing a low interest loan. But if the debtor has no history, or a history of being a high risk, then the loan cannot be made without just compensation.

[@chrisstromberg6527]

@@vivillager Bull $hit, they are preying on those who are lacking financial literacy. They are predators, pure and simple.

[@vivillager]

@@chrisstromberg6527, do you drive? The reason I ask is because, if you drive, I'm going to assume that you probably pay for auto insurance. If you drive, how often do you make use of your insurance policy? I don't mean when present your insurance card at the local DMV when you register your vehicle, or when you get pulled over... I mean, how often do you have an accident and cash in on the value of your policy? Because if you are a good driver, and barring any loose nuts crashing into you, I'm going to bet that you are like me. That you give more money, significantly more money, to the insurance companies that they give back to you. Maybe you think that I'm making too much of a profit? Is the issue here that I make huge gains? That there should be a cap, a limit as to how much I should make? Since becoming a homeowner, I have paid over 60k in home insurance premium, and have had one claim, hail damaged the roof and costed 12k. Is the insurance a predatory business because of its large gains? The reason why I'm comparing myself to insurance companies, is because we have something in common. My business, like theirs, at times suffer losses. Just like insurance companies will at times have to pay out a claim, I at times have a customer who cancels insurance coverage and then totals the collateral, or thinks that maintenance is optional and never checks the oil, and ruins the car, and of course stops paying. After tax season, when things calm down, I can then pursue judgments and try to collect what is owed to me, but that's not always possible, and even if it is, it's additional work that I'm not compensated for, all I get is what was owed to me to begin with. You wouldn't be the first to see me and say "that guy is raking in it", while looking at the profits I make... but do you also consider the losses I take? Do you think I take a minor loss once in a blue moon? Have you considered who my customer base is? I'm providing a service to those who have proven themselves to be a high risk. If they weren't a high risk, they would either finance pay cash, or finance at a bank. And remember, bankers know how to do math. They can look at historical data and identify who is likely to repay their loan, and who isn't worth taking a chance on. I deal with people who were deemed risky by professionals. That means that I suffer greater losses than the typical business, even insurance. When the customer has established himself as low risk, the bank can get away with charging low rates, as little as 2%, and still make a profit, because losses are near zero. But my losses are not at or near zero. My losses are on par with the NIADA analytics (National Indepdent Automotive Dealers Association) of about one out of three, and with the average net loss of about 7k each. Do not judge me as a predator when I'm seeing thousands of dollars from my bank account drive off into the sunset in the hands of someone I've never met, and professionals, people who lend money for a living, were unwilling to take a chance on.

[@chrislemaster2695]

2007 Cobalt is a 1500.00 car any day private party

[@onlinepole]

Consumers who can only afford Buy Here Pay Here vehicles should get transportation from Uber/Lyft for emergency transportation until they rebuild their credit to where they can qualify for a loan from a conventional lender

[@flashoflight8160]

Like that one guy said in the video, trying to repo the car without GPS is real hard. Many are quite good at hiding cars and giving 5 throwaway references that are useless to finding the car. You'll never see it at the debtors home, place of employment, siblings address, any of the 5 references, college parking lot, Walmart, etc. That car won't be the debtor's daily commuter even though he says it will be. The only difference with Buy Here Pay Here is that the debtor removes the GPS and then hides the car as usual. The Buy Here Pay Here won't spend extraordinary effort to find it after all the low hanging fruit are exhausted because the cars are worthless junk.

[@onlinepole]

Consumers who can only qualify for BHPH purchase should use Uber/Lyft instead when they have to get to a place that’s not served by public transit

[@daveleighton4683]

I saw a $500 car. If you have no money that is a better deal than a $29000 car. And its yours, not flashy but its yours.

[@steve5912]

Fr

[@vivillager]

I'm a car dealer, I buy and sell more cars than the average person because that's what I do for a living. Outside of auction, $500 won't buy much of a car. Not long ago, at auction I got a 2003 Chev Impala, with 83k miles on it, good engine, trans, A/C, interior, exterior, good tires and alignment for $400. But outside of auction that's a different story. $500 won't even buy a junk car on Craigslist. For a car that you'll have to tow away you'll need around $1,000.

[@pineappleroad]

Im pretty certain most used cars tend to have 4 figure price tags where i live

[@zr71offroad20]

In this case take "Your car" to a mechanic and have them rip it out.

[@louiegruiz1761]

I think you mean take the mechanic to your car. Because that mf ain't moving.

[@zr71offroad20]

@@louiegruiz1761 Uh, why would anbody wait that long.

[@bustarhymes-rs4w484]

I did that and the police said the car was stolen and now I got a charge😒

[@zr71offroad20]

@@bustarhymes-rs4w484 Wow, I don't believe you.

[@JamarionWilliams-dj9it]

​@@bustarhymes-rs4w484what state are you in

[@specialredd8031]

So why in 2022 won't they shut it off when the idiot boys steal your Hyundai and kia's.

[@cherylwade264]

That system was meant to cause financial failure. If you are already scraping by and they charge you the price of a new vehicle. for an older model and 4 times the national average interest rate. Indentured servitude prices. They are trying to drag you further down the financial ladder. Unscrupulous. Any freedom you have they are trying to take it away from you.

[@TheDarkstar826]

You could literally remove this without a problem. Then use a secondary battery, so you could power up the device just to trick the dealership.

[@Ericlmarwalker1]

TheDarkstar826 show me

[@kevinmask8652]

Shes not that smart I mean come on she signed a loan for 26% interest LMAO

[@mkasurveys5722]

How can you advise me in detail

[@Boredtalker247]

@@kevinmask8652 it’s not about being smart , they take advantage of people who NEED a car like badly - where they couldn’t get it elsewhere …

[@vivillager]

@@Boredtalker247, If only there was an online classified accessible by phone, where a person could search postings for cheap used cars being sold privately by their owners.

[@mjallen1308]

My thing is, if she has a decent payment history and usually isn't late and she actually called and said hey I'm just going to be a few days late or even if she has been a few days late a few times, if she's good on her word and doesn't say a few days which turns into 6 months, they could have given her a pass/extension so she wouldn't be stranded. I could see if she was 8 payments behind, but come on! Not everything has to be black and white, sometimes these companies can use discretion in each situation.

[@cateresaBrylee2017]

J Allen not true our dealer turns it off after you're one day late. No not even a three day extension

[@vivillager]

Most dealers will program the device to permit an emergency start. If someone defaults on a loan, they can start the vehicle by using the emergency start feature. This usually means typing in a passcode onto a keypad, or in other instances, calling an automated system which will then remotely re-enable the vehicle to start. Most dealers allow for one emergency start per loan. If the loan is only for 3 months, that may not be such a big deal. But if the loan is longer, say 5 years, that one emergency start will have to last the entire 5 years, so it must be used wisely.

[@waynebell2635]

I didn’t want to make a comment but I see it’s a lot of idiots here 🙄 first off to say because a person simply is ineligible to pay a certain amount at that time doesn’t deem them as irresponsible, “bad people”, liabilities or any of that it simply means they cannot pay there are a numerous amount of things that could go wrong and could leave your life awry. But to cut off the VEHICLE and stop the progression of anyone trying to make a way out of their situation to be back in control is idiotic. I bought my FIRST car through US Auto Sales because I thought I was getting a deal and had the same device and similar issues I was working for AAA at 27 yrs old before I was diagnosed with ulcerative colitis and put on long term disability which chose to never pay on time. BOTTOM LINE is things happen and we should ALL have compassion. Ppl don’t care to have compassion. Also dealerships usually give 90 days before a repossession that is not the same with these devices it’s pay immediately or get shut off and that’s stupid cut the car off if the person has REALLY defaulted 2-3 months no payments sounds like a default but 3 days past a payment that comes every two weeks doesn’t merit someone virtually repossessing my vehicle.

[@caryrevels6584]

If you cant make the payments dont buy the car. This womans story is sad But the city or hospitals have vans to pick up and return patients. If not the city should pay for it.

[@vivillager]

Exactly. In the city I live in, the local Taxi company has 2 vans that are capable of wheeling in a person in a wheelchair. The rear hatch opens and a ramp lowers, then the person is rolled in and the wheelchair is strapped down to the floorboard so it doesn't roll around while in transit.

[@sharpgirlsSerious]

Why would you not give someone a week or two to make a payment

[@vivillager]

Because 2 weeks will become 4, and then it'll become more and more. If someone is serious about paying off a car and keeping it, they'll pay for it. If they're not, then they won't.

[@zr71offroad20]

@@vivillager 😂

[@Shandakel]

How is this legal but drug testing for SNAP and Cash Benefits is ‘Unconstitutional’

[@workingshlub8861]

we cant make anyone feel bad or hurt there self esteem..that is why they do not make people go down to town hall and stand in line for government handouts like the old days...we now let them rip us off more easily

[@Emotionalrealms]

sounds about right.

[@viktorzenelaj9385]

Its not unconstitutional its just expensive and ineffective. anyone who honestly wants to drug test people for stuff like SNAP and thinks it'll actually help anything is being pretty dumb.

[@jazzing_upqueentarot925]

Ummm...I work at a drug rehalb....those ppl who get foodstamps are not coming to tha clinic....rich kids are....did u here tha interest on tha car omgggg

[@LuckyCuban]

I haven’t missed any payment and they still turn my car off so I spend more money fixing the car, happened to me this year like 20 times

[@tonilieggi1268]

Thats my issue i have spent thousands trying to fix this random no start problem and have never missed a payment!! Just found out it was installed 3 months ago... its insane

[@LuckyCuban]

@@tonilieggi1268 easy whats happening is that the voltage of the vehicle goes down and is not enough to start because the god tracker. Buy your self a strong jump starter and problem solved until finish paying the car. I believe the name Noco genius plus

[@LuckyCuban]

kzbin.info/www/bejne/mJfCpJd9pMZ8jNE

[@tonilieggi1268]

So we called them today and they said we don’t even use that system anymore 😳 still waiting for them to call us back with a solution 😩 so i will definitely take your advice thank you so much!! This thing is still connected to my truck blinking green and red doing god knows what it wants to my truck and they could careless 😩

[@MuchLoveMa]

Had one in my daughter's car. Found it and had my neighbor that's a mechanic remove it.

[@BootiiShortz29]

Was it hard to do? Because the dealer I got it from claims it wasn't there! But it is!

[@BootiiShortz29]

And I didn't sign up for this at all! They kept telling me I can take it off bcuz it's my car but no one would touch it!

[@MuchLoveMa]

BootiiShortz29 Not hard at all.

[@zr71offroad20]

Damn straight its your car!

[@adrainemitchell2506]

Where to look for it at cause i have one in my car

[@isaiahdurenrealestate]

Sad I wish her the best

[@eyermolochis6707]

But if the car is outside the country they can't turn it off I mean if the signal cannot reach the car

[@private6624]

It's called Global LoL

[@robertvirginiabeach]

Some of the devices utilize a timer. The "signal" is required to keep starting the car. The borrower might have sit in the car to use a device resembling a TV remote to enter a numerical code they get from the lender each time a payment is made. If a code isn't entered in time the device disables the starter. Radio communication with the device wouldn't be necessary for that function. Taking the car out of the country would give the lender the right to repossess. The lender would have the same option if the borrower doesn't promptly update a change in their home or employment address, even if in the same county or city.

[@Milo19970]

GPS can reach the entire world😂

[@fastone942]

easy way to bypass it put the unit in RFID BLOCKING bag or wrap it in tinfoil if it can not get a cell signal it will not work i did it for a girl at work who part time and work for a temp agency all it does is bypass the starter circuit any back mechanic can get around it

[@private6624]

Alot of those bags don't even work

[@robertvirginiabeach]

Some of those devices depend on the borrower using an infrared remote to enter a numerical code to keep starting the car. The lender provides a new code in response to the borrower making their payment. The device will only allow the car to start if the customer periodically enters a new code. Blocking radio signals would only interfere with the tracking function. One brand allows the borrower to enter an emergency code ONCE for a SHORT period of use. If the device is tampered with the recovery drivers (repo men) have plenty of experience finding cars that delinquent borrowers are trying to hide.

[@private6624]

Keep it in a garage or storage lot elsewhere, mask plate and VIN, good luck repo man

[@dudemorris7769]

This can only happen if you buy at a roadside car sales place, and not an actual new car dealer. Using a finance company for a dealership stops this from happening as the bank needs to have a court order to enable the gps tracker.

[@Camillyahreal]

Not true

[@ricierodelcosta875]

And there is a lesson Pay the Dealer in Full Price using your own money. If you dont have money. Then try commute

[@saif2k96]

If you know how to by pass the starter motor then you'll be fine

[@jaydenwinfield1367]

shumz99 how

[@virginiadanner8585]

shumz99 how

[@drnapalm7605]

You three should probably learn how to pay your bills

[@vivillager]

Most Starter Interrupters from BHPH dealers are installed with an emergency override. In the event of an emergency, the debtor can press a button ( or type in a passcode, depending on the set up) which will allow the vehicle to start in the event of an emergency. But this should only be done in a true emergency. Most debtors only allow for one emergency start for the life of the loan. If the loan is only for 3 months, that may not be such a big deal. But if the loan is for 3 years, that one emergency start had better be used wisely.

[@thelifeofdes6395]

What’s the brand of the device shown in story?

[@vivillager]

There are two in the video. I only recognize one, the very first one. CalAMP is the manufacturer of that style GPS + Starter Interrupter. I don't know who the vendor was. The other device, the one that says "This Side Down", I've seen them before, but don't know who the manufacturer is.

[@jonnysnipes3123]

I often wondered if there was a sketchy method they used if you pay your vehicle off early. So let’s say my truck has 66k miles on it and I decide I wanna pay it off. Well the loaner notifies the dealership and then the dealerships tracks the vehicle you have, pushes a button in their system that fcks with the drivetrain or engine so it basically breaks down bad enough that the value isn’t worth the cost of the repair to repair it and keep driving it just so you’ll return back to the dealership to find a new vehicle. I often wondered if that was a thing

[@sp-iv1kv]

This is exactly what I have BUT I BOUGHT MY CAR CASH !! THEY COULD JUST INSTALL THIS IF THEY DONT LIKE YOU !! AND THIS IS EXACTLY WHATS HAPPENING ‼‼‼‼ IM looking for it and its against the law

[@JS-fb6ww]

The dealership puts that device on their car for fear that they won't pay their bill. Then they don't pay their bill as predicted. Btw, how do they have money for an attorney if they can't pay their car bill? It's not like they were suing somebody in the lawyer would be doing this on a contingency basis. They were being sued.

[@bruceblackwell2205]

I call it a fly by night dealership

[@handicapitation3250]

First of all I wish this lady the best and hope she recovers fast. Sucks this had to happen to her, but you can't blame the dealership for implementing such devices. If someone can't get approved for a car loan, there is always a good reason why. It's because they have a history of making late payments or defaulting on loans. By going to one of these "bad credit" lenders, you're taking the risk because otherwise you would have no ride.

[@manb4war]

You don't know what you're talking about. First and foremost, lending institutions have a long outstanding history of lending to African Americans, that discrimination has existed for decades. When a person goes to an "EZ-Credit" lender it's mostly because they won't deny them not necessarily because they have bad credit. There are numerous studies that have shown even with stellar credit blacks receive loans at higher interest rates than whites. Those same studies show that whites receive loans with bad credit at a much higher rate. So while you're thinking they'e somehow "bad people" with "bad credit" it's most likely that they are simply normal people who are being discriminated against.

[@unclefester4626]

I dont think kidney failure ever gets better. I think once you're in need of dialysis you're on it for life. I think anyway.

[@dollalalalalotsagaming.8276]

People know the law. There is only 5 or 6 states that are allowed tk have that and dealers are supposed to tell you they have it in car

[@LastCommodore]

EZ Leasing Cars in Chicago is notorious for disabling their cars this way, even when a customer has just made a payment, and leaving them stranded on a highway somewhere.

[@GameN3rdz]

Damn glad I got mine at Berman Subaru

[@septemberreece4360]

I got it to start but it won't move out of park,have no power windows locks or radio

[@TUMARK2]

Disabling the car leaving consumer stranded is not different than repoing a car. However, disabling the car lowers the cost on high risk loans. Car loans that otherwise would not have been made. Without this tool bad credit buyers couldn't have bought the car on credit. Would be left looking at cars under $1000 to buy with cash only.

[@vivillager]

What part of the country are you in? I need to shop there. Auctions around here are about $1,200 minimum for bottom of the barrel, 20+ year old cars. Cheapest running car I could find on Craigslist around me as $1,700 for a 1997 F-150 that overheats (ad doesn't state why, just that it over heats). $1k around me (I'm in northern Texas) will net you a project car that needs to be towed home, because it's not moving on its own power. But I will say that you are on the right track about disabling the car is similar to a repo, but it actually benefits the customer, and not just on getting the loan approved either. If the car is disabled because the lender flipped the switch, the customer can just cure the default (make up the late payment), and then the lender flips the switch to "ON". If the lender can't disable, then the lender has to repossess. Repossession hurts the customer because somebody has to pay the repo-man, and it's not the lender, he/she didn't do anything wrong. The car got repo'd because the customer failed to pay, or failed to maintain insurance, or defaulted in some way. So when the customer makes up the late payment, he/she is also on the hook for the repossession fees. And repo fees can get expensive. The guy I use charges $150 repossession fee, $250 towing fee + $3 per mile, plus $30 a day storage, plus $65 certified mail notification if the car isn't picked up within the first 3 days, plus skip tracing fees (up to $500) if the car isn't at the customer's address. So a 10 mile + skip trace + 10 storage repo could cost the customer $1,295 in repossession fees, and then the customer still has to make up the late payments to get the car back. And it's not my fault, I don't have any control over the fees, I don't get to keep anything except what was originally owed to me, and while I'm glad to pay for my mistakes, I'm not paying for the customer's mishandling of their obligations.

[@kevinmach730]

I mostly agree, but shutting off over being a single day late-if that is indeed what's being done-seems extreme. Plus, if that risk is lower to the dealer, then why are interest rates so high in woman's case? Sure, based on the current racket we all live under, she is going to pay more, but 6x more?

[@vivillager]

@@kevinmach730, as a lender, I'm rather strict when it comes to timely payments. I believe that this is to the customer's benefit. If I allow the customer to fall too far behind, instead of owing me 1 payment, the customer could end up owing me 2 payments at once, along with a late fee for the first payment. If we prolong it further, to 3 payments, then the customer owes me 3 payments at once, along with 3 late fees (first payment is late twice, second payment late once, for a total of 3 late fees). Even further, and now the customer owes me 4 payments at once, along with 6 late fees (first payment late three times, second payment late twice, third payment late once). If the customer's financial situation is so dire, what makes me think that he/she can afford 4 payments at once (plus 6 late fees) if the customer wasn't able to afford the 1 payment? By making incentivizing the customer to prioritize their car payment, over let's say trips to the beauty salon (I'll get back to that one in a second), then I can help the customer from losing the vehicle that they've invested so much into. While I usually give a few days, or even a few weeks as a grace period, I know of some of my peers who do not, and their customers usually learn the seriousness of making timely payments. As far as why don't payment assurance devices lower interest rates? The device doesn't mitigate all risks. For example, I still have to deal with customers whose only "maintenance" is to refuel the tank, and nothing else. No oil changes, no check ups on mechanical issues, nothing. I'll share the story of two of my customers with regard to maintaining their vehicles. One purchased a Honda Accord from me, with about 150k miles on the odometer. About a week after buying it, the hose for the heater core ruptured, spilling the coolant. He immediately pulled over, contacted a nearby garage to tow it and fix it. Total bill was $200. Another customer purchased a Buick Enclave, with 200k on the odometer. About a month later, he came back because it was overheating. I'm not a mechanic, but I go through the motions and when he popped the hood, I could see that the water pump had seized. So I bought a brand new water pump with my own money, and gave it to him so that he could get a mechanic of his choice to install it. About 6 months later, he stops paying because the SUV was a "pile of junk". So I repossess the SUV, and when we inventoried the contents, there was the brand new water pump, still in the box, in the trunk. He never installed it. Instead he just drove it until the engine went into meltdown, so I ended up repossessing an SUV that had a good engine when I sold it, it still had a good engine when he brought it back to me, but because he kept driving with a frozen pump, he ruined the engine and somehow believes that if he ruins a vehicle, that means that the debt disappears. It doesn't. I still 19 more years with which I can collect, but that's a story for another day. The point is, PADs (payment assurance devices) don't mitigate all risk. Then there are those who tamper with the PAD. There are others who will cancel their insurance and then destroy the vehicle. The risks associated with them go on and on, and I can't even begin to name them all. Often times all a PAD does is make it possible to enter into a high-risk loan with a customer who otherwise wouldn't qualify for a loan at all. That's the reason why customers with PADs installed on their vehicles still pay high interest rates. An example of someone tampering with the PAD is the beauty salon girl that I mentioned earlier. A girl purchased a car from me, and never made any more payments afterwards. The down payment was rather significant, about $1,800. So I tried to get her to make the next payment, I called, sent notices via priority mail, and nothing. Being several weeks late, I choose to flip the switch while she was at the beauty salon. The idea was to encourage her to prioritize her car payment over her beauty salon expenses. Instead, she got someone to remove my PAD, and continued driving, without so much as giving me a call or anything. So I just repossessed the car after that. During that time, not only was she not making her car payments, she wasn't maintaining the vehicle. Having driving the vehicle for thousands and thousands of miles, she never got a single oil change. The oil filters that I use, Pro-Tec, isn't sold by anyone in this town. Not O'Reilly, Autozone, or any of the 5 minute oil change shops here. When I repossessed the car, it still had the Pro-Tec oil filter. But she was able to afford frequent visits to the beauty salon. I'm just glad I got the car back before she ruined it. I apologize for the long rant. I just tend to have a little too much mouth when I see someone blaming the victim, and then cry foul when the victim stands up for their rights when deadbeats come along and rip them off.

[@kevinmach730]

@@vivillager Thanks for the reply John, no need to apologize for the long post, I appreciate your time and insights. You definitely made some valid points.

[@lexxzus]

If that's the only way I can get a loan approval with bad credit then it's a no brainer for me put the device on my car. Because as long u keep your end of the deal you'll never know the device is there...🤷🏽‍♂️

[@mastermindkingroe2351]

I have a 2009 Chevy Impala mines it’s hooked up to my battery? I’m not sure how to remove it. Please help.

[@booksgalor268]

I have the same car! If you find out how PLEASE tell me! Lol

[@jamesmotter1221]

theres a panel under the steering wheel take that off and you will have to look for black box..they usually have little lights flashing or that stay on..unhook the box and connect the original wires together..make sure to connect the same color wires together after you take the box out

[@lorealdrayton6164]

How to remove tracking device: kzbin.info/www/bejne/e5qzd39ug518rbc

[@lefthanded5473]

Remove it by paying your bill, the car isn't yours to be medling with. Or boost your credit and refinance so the former lender can't disable the car.

[@vivillager]

Most creditors will remove the device free of charge once the terms of the loan have been satisfied.

[@TruckingVideos]

In all fairness, if you buy a car on finance, you have to keep up the payments. It's not a new idea. The car was expensive but then the rent, business rates, staff costs, energy costs etc etc etc on a premises like that are astronomical. You're never going to get a car from one of these dealerships at Craigslist prices.

[@mathias0584]

I understand that on a business standpoint they want their money, but leaving customers stranded because of a missed payment is not ethical. Repossessing the vehicle after two or three missed payments without any payment plan or effort is good enough. These devices is an overreach of power! This kind of business practice should be illegal!

[@Necropheliac]

I think as long as you pay your car payment then its fine. If you don't pay your car payment, then it's not *your* car.

[@iampaytontv]

Some people genuinely can’t afford a payment. A car is not a luxury, it’s a necessity. Not everybody has thousands lying around to pay cash for a vehicle. The cost of living is astronomical and that’s W/O factoring a car payment. What do you suggest we do Jesse?

[@Necropheliac]

@@iampaytontv don’t try to finance a vehicle you can’t afford.

[@vivillager]

@@iampaytontv, there are teenagers who practice financial responsibility and not resort to theft, because that is the very definition of taking something and not paying for it, theft. If teenagers can do it, why can't adults? They can, they just don't want to. The church that I go to, we have a new member, a guy who just got out of jail. He walked in with no money, no job, no family, just a burlap sack with some toothpaste, toiletpaper and some under clothes. He started living at the homeless shelter next door, came to us for our food program. He got a job, and would either take the bus, hitch a ride, or walk. He saved up 600 bucks and got a Ford Focus, half the interior is missing, no A/C, and no radio, but it runs. That's financial responsibility. My issue is not with people like him. I have more respect for that ex-con, than some dude who wants a ride that is 5 model years newer than his neighbor, a sound system that can disrupt earthquake monitors, has the next-gen auto-pilot, a 50-inch infotainment system, and wheels that are bigger than swimming pool, and wants all of that for free because, hey, why should he be expected to pay for something?

[@iampaytontv]

@@vivillager tf are you talking about? You just said a whole bunch of nothing. They didn’t steal the car, they paid their down payment and ran into financial hardship, and couldn’t afford to make a payment. Stealing would be them buying an expensive car, giving fake information, and not paying. Per my last comment, millions of Americans are living paycheck to paycheck, and the avg. cost of living doesn’t include car payments.

[@vivillager]

@@iampaytontv, a whole bunch of nothing? I gave the most basic definition of a word that is in common knowledge, theft. Never did I once say that nobody has ever suffered a hardship. If a person purchased a vehicle in good faith with the intent to repay, and then found themselves unable to, a person of good moral character would return the vehicle. If the lender accepts it in full satsifaction of the loan, the person would owe nothing. Everbody walks away happy, person owes nothing, and the business has an asset to resell, a win for everyone. My issue is with people who take something, and then say, "I'm not paying"... which is the definition of what again? It's not hard, even a child knows what it means

[@jamesrobinson5672]

I really pity anyone who has to purchase a car from (ANY) buy here pay here car lots. Especially if they have to use their loan shark rate financing. They have to be the most crooked people on earth. Right up there with tow companies!!!!!!!!! My advice would be to suck it up for a year. Never be late on a payment then you can hopefully refinance at reasonable rate. I know, been there myself many many years ago.

[@davidj.3441]

Just buy an old used vehicle and never have any problems

[@erwingrico7440]

I live in old town midvale , utah and surrounding cities where due to a small problem i gotta creep and watch out for the pigs that ruin it for the good policemen and policewomen that you are ever so greatfull to meet a goodsoul that stands up against the pigs even if they know they might get dissmissed from something they worked so hard for.

[@josmith4531]

Repo 2.0

[@sassienay439]

Its very dangerous to allow for this over 1 payment i could see after 3 months maybe with notice from lender

[@theexisting1197]

i repo cars for year's even rich people cars get repo lawyers doctor judges no tracking devices on their car's wonder why

[@wingmanalive]

It can be BAD. I know. Times are tough and you need a car but does anyone really think you can just not make payments and some Democrat politician is going to save your day and wipe out your debt? A debt is a debt and if you can't pay it you shouldn't make the deal.

[@hotrodpawns]

Been restoring all makes and model vehicles for almost 30 years, never come across one yet, if I do....hahahaha it's going in the trash.

[@josemauriciocanobranez643]

Is there a way to take it out?

[@vivillager]

These are add-on systems, not part of the factory systems and are not essential for operation. However, as I mentioned in an earlier post, removing the device before the loan is satisfied carries risks and consequences. If I, the lender, believes in good faith that the prospect of payment has been impaired (like cutting out a GPS unit), then I can cancel the loan. I repossess the car, and the customer no longer has the option to get the car back by making up the late payments. Instead, if the customer wants the car back, he/she must pay off the entire loan, every penny, to get the car back. The customer has 10 days to do so, if not, I keep the car, I keep the down payment, I keep any payments that have been made up until that point, and if the customer traded in a vehicle, I keep that too. Uniform Commercial Code, Article 1 (General Provisions), Part 3 (Territorial Applicability and General Rules), Section 309 (Option to Accelerate at Will). So if you want to remove such a device, you may want to check your bank account to see if you can pay off the entire loan in the next 10 days. If not, it may be better to wait until after the loan is satisfied.

[@jerriheiney4170]

I know this all too well. I needed to run my daughter to E.R and same issue with mine

[@kanazuchi923]

Couldn't they have just bought a Craigslist car for the price of one of those exorbitant payments?

[@AbsoluteASB]

Yes

[@halissicahernandez774]

Can it be removed

[@benitez2504]

They have the right to repo the car if you do

[@zr71offroad20]

@@benitez2504 That's simple, find our who does their repo's. You call that company and tell them they are prohibited from coming onto your property.

[@GabrielEspinoza-f6j]

Step 1: remove the disable device Step 2: enjoy your new car

[@jimmieblue6262]

Find gps trackers and destroy it check the port next to the drivers kick panel

[@otrygigapps1210]

That's F up like I understand being able to track the car but you should not be able to turn the car off and give me a little bit more than 2 weeks

[@tonyterpene]

So what these people are sayin is that they think people who dont make theyr payments should still be able to drive the cars because of the possibility of inconvenience.... interesting

[@samuelbarasa7696]

Where is Nora?

[@private6624]

I paid a measly 100 for professional detection and free removal with a 12v bypass to trick them hahahaha

[@robertvirginiabeach]

But you still have to worry about the repo man finding it. They have plenty of experience dealing with borrower's attempts to hide the cars and/or block them in. If you drive the car for ANY purpose it might get picked up without warning.

[@private6624]

@@robertvirginiabeach automated plate flipper with out of state plate on reverse side, back vehicle in and mask or destroy VIN below windshield, regardless, in my state, if you keep it past 90 days past due, you would be on your way to being a Felon

[@drnapalm7605]

But you won’t pay your payment...

[@vivillager]

Paid for locating the GPS, then installed an electric license plate rotator, but can't afford to pay for the car itself... GPS detectors don't work on most decent Asset Trackers. I won't explain the theory in detail, but I'll give a hint, it's the same reason why radar detectors don't detect some police radar.

[@zr71offroad20]

@@vivillager My friend had a tracker on his car, he ripped it out. They finance company did NOTHING.

[@darrylflinch5274]

I think all dealers have to disclose this. This has to be a LAW where the dealer tells the buyer or have a separate sheet that says we have a GPS tracking device that we can shut off your car. They try to sell it as they're protecting you from theft but really they're just trying to protect themselves from you not paying!

[@vivillager]

It's a bit of a gray area. I'm a dealer in Texas, and here it's a crime to install GPS without the owner's written consent. Disclosure isn't enough, I have to have written permission (Texas Penal Code 16.06). But in Illinois, a court ruled that installing GPS without the owner's knowledge or consent was not an invasion of privacy because the car is still visible to the public while out on the road (TROECKLER v. ZEISER | Case No. 14-cv-40-SMY-PMF). As far as disabling the vehicle, that's common knowledge when one gives someone a security interest in an asset. UCC 9-609 (Secured Party's Right to Take Possession After Default) (a)(2) - without removal, may render equipment unusable and dispose of collateral on a debtor's premises under Section 9-610. So when giving a security interest, not only have they given permission to repossess and to disable, but also to auction it off right there in the owner's driveway should the lender choose.

[@thomasharris5151]

You all act as if it’s a crime for a business to cover itself from people that will default on a loan.

[@darrylflinch5274]

@@thomasharris5151 A risk is a risk. But this must be disclose. Unknowingly being tracked where you go is not right. Now if this is being disclosed then oh well. BUT if you're buying a car and they're not telling you that it's being tracked. Then I see a problem with that.

[@thomasharris5151]

@@darrylflinch5274 I agree it should be disclosed in the contract.. BUT if you know repossession is possible on ALL loan application it was disclosed. Because this is a form of repossession or collection. And by law you can collect and repo. By the legal boundaries and right now it’s within such law.

[@zr71offroad20]

@@vivillager Delete your comment.

[@johnpalmerjr2611]

The prices should be cheaper since they can stop and locate it.

[@vivillager]

The devices are not free. It costs money to purchase the device, and money to pay a technician to install the device. Most businesses to not respond to rising inventory prices by lowering the sales price.

[@jondoe406]

Exactly, the high interest rate is due to the risk. No reason to charge high interest if you still control the car

[@robintaylor4249]

Just keep your car running 24 seven 365 and you have no worries.

[@justablankcomment3721]

A cheap used cars only like 3000

[@missmichelle2201]

KZbin THERAPIST most people don’t have that though. I know it’s the best option but that’s how they get them.

[@gailarmstrong2028]

I had a car once like this i wasn't told a device was on the car luckily i towing coverage cause i thought the car was broke i thought i had a 10 day grace period of paying my car note after due date i was just glad i had just dropped my kid's off to school b4 that happened

[@SDMPoahway]

They did that to my Kia and left my daughter stranded on a hiway.

[@johngordon7242]

Some places will work with u on payment don’t go to a small lot

[@travisberkshire364]

This is happening to me. I've made my payments but if I'm a day late on insurance they shut it off. I've missed getting my kids and appointments to the doctor for the kid I'm having. They sold me a lemon

[@vivillager]

You should be thankful. By simply shutting off the vehicle, your creditor avoided having to pay a repossession fee, which means that you do not have to pay a repossession fee. The devices I use, are very cheap GPS units that do not have starter interrupt capabilities. If someone doesn't pay me, I cannot shut off the vehicle. Instead, the customer finds an empty parking spot where the car used to be because I repossessed. With me, the customer has to not only make up any late payments (or reinstate insurance), but also pay the repossession fee, which can sometimes be more than the late payment itself.

[@yueiscute]

@@vivillager hope you show some mercy before you do such a drastic thing.

[@vivillager]

@@yueiscute, For the most part I do have a grace period if that's what you are asking. 15 days for monthly payments, 7 days for bi-weekly. After that I repossess the car.

[@waynebell2635]

He said after 7 days he repossesses the car 😳🫣 hope no one gets into an accident or family member dies or faces depression or diagnosed with life threatening illness or any of the ONE BILLION things that could go wrong doesn’t because u my good sir YOU will push someone’s life backwards even more than it could already be with that mindset and business ethic

[@vivillager]

@@waynebell2635, actually, I find that by having a strict and limited grace period, I tend to help customers practice financial responsibility. If I let the customer fall behind by no more than half of their payment schedule (15 days for monthly, 7 days for bi-weekly), then the customer only owes that 1 payment to "cure the default" and get the car back. Not only that, if it's only 15 days late, there's not even a late fee involved. But if I wait longer, now the customer owes me 2 payments to "cure the default", plus 1 late fee. If the customer couldn't make the 1 payment before, how will he/she make 2 payments (plus a late fee) later? If I weren't strict, the customer could fall behind even further and owe 3 payments, and 3 late fees (the first payment late twice, and second payment late once, for a total of 3 late fees). Now we're talking about a customer who had trouble making 1 payment, and I expect him/her to make 3 payments and 3 late fees? At that point the car is practically lost. From personal experience I find that if I incentivize the customer as early as possible to address their late car payment, customers are less likely to lose their car, which involves a sizable investment on the customer's part, usually to the tune of $500 to $4,000 down payment, and that doesn't include any additional payments after. If my strict business practices helps customers retain a vehicle in which they invested thousands of dollars, then I can sleep quite soundly at night. And let me say, I sleep like a baby.

[@leben6308]

An fout nèg "Core Group" deyò.

[@axysdnyd]

Remove the device, problem solved.

[@kenberscheit480]

illegal to remove them by federal law!!!

[@kenberscheit480]

I have gps units on my equipment and also a car dealer here in town has them on his lease vehicles and both state that once a anti thfet device is installed it is illegal to remove or defeat it .

[@axysdnyd]

Ken Berscheit there are no laws stating it's illegal to remove a tracking/starter interrupter device. You could be breaking your contract by removing it, but it's not illegal to remove. I don't know where you got your facts from but you are incorrect. Once you sign the papers to buy the vehicle, it belongs to you and the bank or finance company has a lein on your title which enables them to get repossession of the vehicle. Your name is on the vehicle registration and title, it's your property by law. Therefore you can remove and modify that vehicle to your personal preference so long as it meets state and federal requirements to be road legal.

[@axysdnyd]

Ken Berscheit now if you LEASE a vehicle, it's not your vehicle. It still belongs to the car dealership and you do not have the title in your name. Registration and insurance are in your name but the title is held by the dealership. You really need to get the facts before you go saying something is illegal by federal law, makes you sound like a complete idiot.

[@kenberscheit480]

look here :www.avvo.com/legal-answers/is-it-illegal-to-remove-a-gps-tracking-device-put--709125.html

[@tyrekknowles8249]

There’s a way to bypass the device

[@vivillager]

Yes, it is possible to tamper with the device, however that is a blatant violation of the agreement made at the time of purchase.

[@px10k]

Starter interrupter? Really?

[@vivillager]

Yep. The debtor should be grateful that the lender invested their own money into the installation of the starter interrupter. Because then, to reactivate the car, all the debtor has to do is pay the late payment and the late fee. In Texas, the late fee is 5%, so if the payment was 500, the late fee would be 25 for a total of 525. If the lender hadn't of invested in a starter interrupter, then the car would be taken by repossession. Repossessing a car isn't cheap, a the bill doesn't go to the lender, it's the customer's responsibility to pay for it. So imagine a 500 payment, a late fee of 25, a repossession fee of 250, a towing fee of 250 (the tow and repo fees are separate), and a storage fee of 100. So instead of paying 525 to get the car back, now the debtor has to pay 1,125. So starter interrupt devices work in favor of the customer.

[@zr71offroad20]

Take it out problem solved, keep up on your payments there is nothing they can do.

[@AyyItsJk]

I just pulled one out of my car... bought it cash so I guess I'm fine

[@geraldstephens6612]

There's other reasons, too.

[@billydward]

21 WHAT???? That’s Insane.

[@JS-fb6ww]

Remove the device and attach it to a 12 volt and leave it in the middle of nowhere.

[@barrypetitpas1816]

If it isn't worth doing the business, then there will not be a car for you to buy at all. Call for an Uber.

[@chrislemaster2695]

This is yet another reason to pay cash only no loans and buy off of private party no dealer

[@septemberreece4360]

Please help me I'm late for work

[@drnocka-rocksteady]

I ain't buying nothing from these people anymore.

[@BrandonZickefoose2014]

Should be criminally illegal to install and do sh!t like this.

[@insertname640]

They cut the car off while your diving that’s a safety hazard

[@vivillager]

They disable the starter, NOT the fuel or ignition system. As long as the vehicle is running, it will stay running. But if the vehicle is turned off, it cannot be restarted until it is re-enabled.

[@zr71offroad20]

@@vivillager Thats is why you remove it

[@vivillager]

@@zr71offroad20, in most financial installment contracts, at least the ones I've seen, and the one that I use, tampering with the GPS device or the starter interrupter constitutes a default. The vehicle is then eligible for repossession, and the credit is not obligated to reinstate the loan for the customer. Even if the customer offers to pay the back payments and the repossession fee, the creditor can demand that the customer pay the entire loan, every penny, within 10 days, or keep the car, keep the down payment, keep any payments made up until then, and keep the trade-in if there was one. Even then, the customer is still on the hook for the rest of the loan for the car that I keep. I've done this many times, and when I sue for the deficiency of the loan balance, customers attempt to use that as a defense, that I should have allowed them to reinstate the loan. After explaining Uniform Commercial Code, Article 1, Section 309 (Option to Accelerate at Will), I explain to the judge (arbitrator if I'm suing for more than $10,000) that I believed, in good faith, that the prospect of payment was impaired. Every judge and arbitrator involved in the suits has always agreed with me. So yes, removing the GPS is very helpful... to me.

[@orlandobrown5765]

@@zr71offroad20 😂 yessir

[@zr71offroad20]

@@vivillager So I should avoid dealerships like yours who takes advantage of their customers and buy from a reputable dealership who does not use harassment technique against their customer. GOTCHA lmao.

[@hochikirucina9542]

I have this on my car they shut it off the day it's not paid even if they know I'll be late. First time I was driving on the freeway when they shut it off.

[@zr71offroad20]

Find a shop that does stereos, remote starts etc and they can have it pulled out in no time. My buddy took the one out of his truck and the dealership couldn't do a damn thing to him.

[@mariamlara1707]

Omg that's what am going through same thing

[@mroberts4847]

Just pay your bills

[@zr71offroad20]

IT's kinda hard when you don't have a car.

[@gerico3114]

They shut mine off by mistake and wouldn't even admit it a few days ago. After I called them I went out and tried to start it and vavoom it started right up. I've got a few words for them!

[@vivillager]

Before he died, a guy used to go to church with me, he had an Oldsmobile, can't remember the year/model, but anyways, he had a very odd intermittent no-start with his car. Every now and then, it wouldn't start. Shop he took it to replaced the ignition module, the ECM, ignition switch, crank sensor, cam sensor... over $2k in repairs. Still had an intermittent no-start. I didn't have time for it, but I went ahead and took a look at it when it left him stranded near my house. Didn't have much gear with me, but I happened to notice that the instrument cluster wasn't working. As I was reading the description of system operation for starting, I found out that the car had an anti-theft system integrated with the cluster, and that the ECM requests a signal from the cluster to start. Without communication to the cluster, the ECM wouldn't received the signal from the anti-theft, and not start. So I got a cluster from the junk yard, it was like $20, programmed the anti-theft to recognize the VIN, and I swapped over the odometer (my only time ever messing with an odometer). Up until he died, he never complained about a no-start. My point is, here was a car, about 25 years old, that had an intermittent no-start that couldn't be diagnosed by trained professionals who fix cars for a living... what diagnosis did you make on what I assume to be a more modern, and more technologically advanced vehicle to determine that the lender was responsible for disabling your vehicle? Did the lender admit to doing so? Did you check for continuity at the interrupter? Or is it one of those "let's blame the lender, they always at fault" scenarios? All I see in your post is an accusation, and not a single bit of evidence to support it. Might I suggest calling them back and offering an apology?

[@zr71offroad20]

@@vivillager Nobody cares Johnny.

[@drnapalm7605]

I hate stealerships but I’m with them on this one...

[@YuckFou0x0FFFF]

You literally don't have to go out and get a loan for a car you can't afford though. If you dig a 20 foot hole in the ground and jump in with no ladder, who's fault is it?

[@Camillyahreal]

Man you must really hate yourself

[@AzRoadsideRescue]

Make your payment and you'll be fine 🤷🏽‍♂️

[@Ifyouonlyknewtruth]

The people America has redlined.

[@bigbusiness6067]

The price of that car was ridiculous but as far as the shut off device I like that

[@mrsstrawberryluv1]

I got doop like that Clay Cooley they switched paper work on me told me my car cost 8.950 I ended up paying over 18.000 for 2008 car plus they took my trade in car that was in good condition 2005 Ford Focus nothing but a ripe off

[@neonnoir9692]

Too bad, pay your bills. Or don't buy.

[@lekhanyanemaboa9328]

My phone, air-conditioning system are disabled primary I left my phone careless for intruder to fiddle with the CPU

[@Humbled_jjackkk]

Where can u find it at on your car....I think i got one on my lacrosse

[@jondoe406]

Under the dash in the ignition wiring