imstock2's thread of fail and AIDS

[Mr. Jones]

What was the detective's name?

 

http://images1.wikia.nocookie.net/__cb20110723134946/familyguy/images/b/b1/Detectivescrote.png

[gbracing81]

You never said they gave you back your DP. Why did they do that? I never seen an insurance company reimburse a down payment. Not even when they totaled my car and I bought my GTP the same day, and even then they only gave me back the sales tax I paid for the GTP.

[SPL_Josh]

They're saying its included. Because if you put 13.5k and needed gap you got fucked HARD.

[SPL_Josh]

+1 on the dp returned. Don't believe that for a second.

[imstock2]

I never told the insurance company how much I put down. I told them how much the loan was for not like that was there business.. That would be stupid of me to tell them I put xxx down payment and I would only want the loan paid off

[Trouble Maker]

Uhhh, isn't gap insurance to cover the GAP from your loan to what your car is worth? So either you needed the gap insurance ($30k loan, ins says it's worth $25k, you get $30k to pay off loan), or you didn't ($20k loan, ins says it's worth $25k, you get $25k). I'm pretty sure it's not you SAY you paid $30k, loan is for $25k, company wants to give you $20k, but you say you paid $30k so they pay that amount.

 

You never go full potatoe.

 

So they paid off your loan? So you did put down the $13.5k, iirc. That was your 'first payment'. Plus the $7k you bought the car for. Plus the money you put back into it. Still probably got a deal for that insurance fraud you committed.

 

Has no one asked why in the fuck the detective was calling your mom?

[Green Bastard]

The loan is usually for the balance of the agreed price after down payment. Down payment is also usually paid at the time the car is picked up (unless arrangements were made).

[imstock2]

called my mom because I gave the sheriff my moms number. I already planned on changing my wifes number.

[JuicedH22]

You are so fucking stupid it hurts...

 

The INVESTMENT is how much physically went out of your wallet. You PAID $13.5k in the original purchase. Unless the insurance or bank physically gave you back $13.k (not subtracted from the buy back price, but physically gave it back), then it is negative hit to you. Idiot.

 

Otherwise the ins/bank gave you $13.5 back and of that refund you spent $6.6k to buy the car back, aka the insurance paid YOU $6.9k (13.5-6.6) to take the car... Which from your own words did not happen.

[2pointslow]

potato?

[TimTaylor751647545500]

http://beerlake.net/dump/potatoes.gif

[Buck531]

Detective is shagging your mom?

[imstock2]

You are so fucking stupid it hurts...

 

The INVESTMENT is how much physically went out of your wallet. You PAID $13.5k in the original purchase. Unless the insurance or bank physically gave you back $13.k (not subtracted from the buy back price, but physically gave it back), then it is negative hit to you. Idiot.

 

Your not understanding what I'm trying to say.. Say the loan is 30k.. I put a 10k down payment so now the loan is 20k, I wrecked it and the insurance company agrees to give me 30k back... Upon settling with that agreement. I choose to buy it back for 2k.. So now the 20k loan gets paid off and I get 8k transferred to my bank account. I can't Barnie it more than that.. Note these numbers are used as an example of what happened. So as you see I'm not negative and only money spent was 2k for the car.

[JuicedH22]

How in the fuck are you still alive as stupid as you are?

[TimTaylor751647545500]

Your not understanding what I'm trying to say.. Say the loan is 30k.. I put a 10k down payment so now the loan is 20k, I wrecked it and the insurance company agrees to give me 30k back... Upon settling with that agreement. I choose to buy it back for 2k.. So now the 20k loan gets paid off and I get 8k transferred to my bank account. I can't Barnie it more than that.. Note these numbers are used as an example of what happened. So as you see I'm not negative and only money spent was 2k for the car.

 

:dumb:

[98Formula]

The op really needs to work on keeping made up stories straight when trying to tell them.

[87GT]

I finally read every post in this thread. imstock2 needs to have his CR name changed. Here are a few options.

 

Rist Kutta

 

Klown SynDrome

 

Pink Eyed Strangla

 

Krustie

 

Whoop WHOOP

 

Nug Bonez

 

Kill yahomie

 

Mr. Mothafuckin Ceezar 2 U Bitch

 

Syko Santa Klau$

 

Dark Suckaberg

 

Psycho Pussy Fiend

 

Kid Cracka

 

*~NuggZ~*

 

Sucka Bitch

 

Dark Murda Thugg

 

Suei$idal Murda

 

Bassment Dwella

 

Murda Thug Nutz

 

Wicked W33d Warrior Willy

 

Fo Twenny

 

Joka 2 Smoka

 

Luna TicKk

 

Seedy B Mayhem

 

Mizz Mothafuckin Miracle

 

Faygo

 

Blaze tha Ded

 

Cutcha 2piecez

 

Fuggin Magnetz

 

Kronik Darknez

 

Krak Roxx

 

Mad Respekt 4 Hatchet

 

Krazee Klown

 

Durty Needlez

 

Icy P

 

Blaze 4 thaDarkNinjAs

 

DoPe Ass Bitch

 

Semen 2 Demon

 

Xtra Kromosome

[2highpsi]

But that's not what happened.

 

If gap insurance kicked in, that means you owed more than it was worth. The bank didn't give you anything. In fact, you still owed them money after your primary comp/collision paid fair market value minus deductible. This is where gap kicks in... They pay the rest.

 

So you put 13,500 down (out of pocket)

Then bought it back for 6,600 (more out of pocket, you didn't get the 13,5 back)

Then spent fuck tons fixing it (out of pocket)

And now even more modding (yeh... Out of pocket too)

 

By the time it's said and done, you will have 40k of money out of your pocket for a salvage title c6. Congrats.

[SPL_Josh]

Your not understanding what I'm trying to say.. Say the loan is 30k.. I put a 10k down payment so now the loan is 20k, I wrecked it and the insurance company agrees to give me 30k back... Upon settling with that agreement. I choose to buy it back for 2k.. So now the 20k loan gets paid off and I get 8k transferred to my bank account. I can't Barnie it more than that.. Note these numbers are used as an example of what happened. So as you see I'm not negative and only money spent was 2k for the car.

 

Do you understand how a down payment works?

If the cars $30k the down payment is to lower the loan. What your insisting on would be a payment not down payment.

 

Ie. $30k car $10k dp-loan is for $20k (not $30k)

[Buck531]

http://99gifs.com/-img/50462ea2afa96f1e190008a6.gif

[Ramsey]

What insurance do you have? Mine wouldnt let me buy back the trans-am unless the title was in my name and didnt have a lien on it.

[Patterson]

You never said they gave you back your DP. Why did they do that? I never seen an insurance company reimburse a down payment. Not even when they totaled my car and I bought my GTP the same day, and even then they only gave me back the sales tax I paid for the GTP.

 

DP?

 

 

Cliffs

[pontiacfreak142]

Your not understanding what I'm trying to say.. Say the loan is 30k.. I put a 10k down payment so now the loan is 20k, I wrecked it and the insurance company agrees to give me 30k back... Upon settling with that agreement. I choose to buy it back for 2k.. So now the 20k loan gets paid off and I get 8k transferred to my bank account. I can't Barnie it more than that.. Note these numbers are used as an example of what happened. So as you see I'm not negative and only money spent was 2k for the car.

 

Holy shit, after the last thread i honestly thought i was having a conversation with the dumbest mother fucker to walk this planet, but this post proves i was right.

 

Gap insurance does NOTHING but basically pay off the remainder of the loan, you dont get shit out of it.

[phil]

tilly and kirk have won this thread. brilliant

[Otis Nice]

I'm not sure why you guys aren't getting I got the down payment back? I didn't lose 13.5k$ it was as if I never put a down payment.. I had only 10k in the car that's including buy back and fixing the car to 100% stock like.

 

So you are trash talking other peoples nice ride and talking about how sweet your 'vette is when it's a $10K salvage (in your own words)? Sketchy. Some of these guys have much nicer rides worth much more.

 

I never told the insurance company how much I put down. I told them how much the loan was for not like that was there business.. That would be stupid of me to tell them I put xxx down payment and I would only want the loan paid off

 

Quoted for admittance of insurance fraud.

 

It absolutely is their business. Lying to them is fraud. The end.