有没有从Bank street Toyota 买车的？财务经理为什么要我写支票给CIBC，而不是Toyota Finance？谢谢
- 主题发起人 lhq2100
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还是感觉这车行把这事情处理得稀里糊涂的。。。。
LZ最好近期monitor一下自己的银行账号。如果有cibc的银行账号可以申请把这个车贷加到online banking里头。一旦有任何不妥要尽快考虑走法律途径。车行过了90天就没太大法律责任了。
我就好奇35089.45怎么从35000里头省600了？
Here we go! Last sheet out!
Let me tell you this: your dealer, specifically Mohammad Islam, is carrying on an international money laundry scheme. They are using the check you provide to access information in your bank account, then turn it into one of the accounts controlled by one of the international criminal organizations. When one day you find out that you can not access your bank account, you could inquiry your bank the reason, right? But not so fast, as long as you encounter the problem to log in to your account, and your phone would be ringing. An RCMP or CISIS officer would inform you that you are under investigation of an international laundry scheme by providing your bank account to an across-board criminal organization, and a search warrant will be issued soon. You would be panic and mind-blowing. But don't panic just yet and you have a chance to correct it. The office will tell you that RCMP and CISIS currently are executing a campaign, named Operation Foxhunt. If you decide to cooperate with, you could avoid charges against you. Your task is very simple, just continuously use your bank account to fish out more criminal members of this organization by putting $2000 into your bank account every week for the upcoming four weeks. RCMP or CISIS will inform you and reimburse your money when this Operation Foxhunt accomplishes.
Scary enough? and more confused? You come into the wrong place and CFC only makes your problem more mess.
But thank me later!
I have looked through the three sheets you provided in this forum. I don't see the big problem in these 3 sheets if you provide all the info about this transaction: 1. white sheet, unpaid balance ( outstanding): $4860.18 in finance; each payment: $ 694.32; the number of payment: 7; and final payment: $694.32. Check! 2) yellow sheet was 60-month finance for $ 35,089.45 @ rate 6.97%; since this contract has been void no need to analyze its details. If you still worry about it, let Mo sign it and indicates void. 3) Final note you provide just now disclosed where $30,229. 21, the cash you paid goes and what it is for. Check!
A few things need to clarify: you said " 他说他也可以挣点" who is "他"? Mo or Dealer? You should ask him. Also " 他的解释事LOAN是60个月open的" what he mentions 60-month loan for? You are on 7-month finance.
Caveat: This post was based on the info OP posted. I have no knowledge of any other contracts or agreements OP could have with the dealer or MO. I suggest OP contact an accountant to review all the contracts he signed with the dealer. It won't cost you much to get your life back with peace of mind.
Enjoy your new vehicle!
ottawa_tj
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大部分的汽车贷款都应该是可以提前付清，没有罚款的。。。
其实你没必要付3万，就说没钱，然后先付几个月的分期付款，再把余款一次付清。
当然你要先问清楚谁是你的债主，cibc？打电话和cibc贷款部门确认一下条款。
你到底付了3万元没有？要是已经付了，说什么都晚了。
去年谈的价钱40491， 现在（30229.21支票+ 4860.24 （7*694.32）月付 +4800（Down）= 39889.45。二者差价是600.
当然如果按照五年去换会有6000多的利息。
他的名字：Mouhamed Turkie
ottawa_tj
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理论上你这3万元应该是cibc先给车行，然后你再慢慢地还给cibc，当然也可以在某个时刻一次还完。
BALLOON PAYMENT的意思是等finance阶段付完，你还欠银行那么多钱才能把车子买断。
这么讲他还是设了一个套，把我糊弄了！钱一份没有省，还提前把款换了，还赔了。
稍微分析了一下哈。。。。
情况1，原厂finance，五年付完，五年后总共支付了6000利息
情况2，银行finance，五年合约七个月付完（估计支票是7个月之后dealer帮你递交），总价省600（未认证，因为balloon）.
那你这万一dealer在7个payment后忘了帮你递交呢？万一需要走到五年finance咋办？五年bank利率6.97%下来我估计要7000出头。。。
情况1，原厂finance，五年付完，五年后总共支付了6000利息
情况2，银行finance，五年合约七个月付完（估计支票是7个月之后dealer帮你递交），总价省600（未认证，因为balloon）.
那你这万一dealer在7个payment后忘了帮你递交呢？万一需要走到五年finance咋办？五年bank利率6.97%下来我估计要7000出头。。。
PAY TO:CIBC. 他告诉我两周之后交给银行。普通支票，如果他真不交，我就让支票报废。取钱直接去银行付了。
