Archive for May, 2006
Owner Finance Home Georgia
May 31st, 2006
Question: certificate of title sent to me, and not directly to the state!?
The Finance Company sent me the original title on a new car. I am listed as the owner, but the Finance Company is listed as the 1st leinholder on the Title.
The dealership charged me the incorrect taxes for the state I live in ( 7% in Georgia, I live in North Carolina, taxes should have been 3%). I have not moved, the dealership screwed up the address, and they refuse to fix it. I do have a Georgia license, but live, work, and my trade-in was tagged in North Carolina. My license is in Georgia, because I own a home there. I think the fair thing to do would be for the dealership to reimburse me 4% (7% minus the 3% NC tax) of the tax fees.
Since I have the Title, is there anything I can do?? Everytime I have financed a car in the past, they don't send the Title until the loan is paid in full. I was under the assumption that the person holding the physical title was the owner. I'm not trying to get a free car, but they made a mistake, and will not correct it. Someone help please!!!
Answer: You, not the state, are supposed to get the title. You are the registered owner, and the Finance Company is the legal owner. When you pay it off they will send you a lien release which will allow you to remove their claim to the vehicle.
Usually you pay the tax rate of the state you bought the vehicle in, not necessarily where you have your plates, but if you feel an error was made, contact the dealership and ask for explanation.
Rent to Own Homes Explained - Atlanta Georgia, GA
Finance Loan
May 27th, 2006
Question: finance loan?
i notice alot of advertisement on Hassle free fast loan in the weekends newspaper. without any minimum requirements. is it true? - singapore
Answer: This is call "marketing". In fact, they have various packages, such as: Study loan - they lend you an amount said S$8000, for your so call "study loan". After you got your cert, you will have to pay them back the school fee, plus the loan. Loan with CPF - This is actually using your CPF to buy a HDB flat. Instalement loan - You buy a good (usually appliciant like laptop) from a department store by instalment, they will buy from you the good as a lower price, and you just conutinue paying the instalement. Of course, there are still many other packages.
But, in general, you will ended pay more than 100% of the loan that you taken up. Get a loan from a Banks or Legal Finance institute if you need to. This so called "legal loan without requirement" really not worth taking.
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