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NEVER DEAL WITH GE CAPITAL

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Have you no experience with financing?

Of course you have to make monthly payments.

You have no room to bitch.

They were EXCEPTIONALLY forgiving if they took off the late fees & let you pay off the original balance.

Viper GTS
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BULL Viper! As I stated, I have ALL THE ROOM IN THE WORLD TO BITCH. I guess you haven't done much financing with interest-free account, huh? In my area the majority of them are "same as cash" meaning no monthly payments are due and there's no interest as long as you pay it off before the year is up. :roll:

I have a Beacon score of 1785 and a house-hold income of over $120,000/year buddy. Where do you stand Viper?
 
Originally posted by: KK
Originally posted by: BadThad
LASIK Plus
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was the 2200 the total cost of the procedure? what was your presciption pre-op?
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Yes, the total for both eyes was ~ $2200. Pre-op I was -3.0 and -3.5, now I am seeing 20/15 and nearly 20/10. Also, I can read WITHOUT glasses. I'm very happy with the results.
 
Originally posted by: BadThad

BULL Viper! As I stated, I have ALL THE ROOM IN THE WORLD TO BITCH. I guess you haven't done much financing with interest-free account, huh? In my area the majority of them are "same as cash" meaning no monthly payments are due and there's no interest as long as you pay it off before the year is up. :roll:

I have a Beacon score of 1785 and a house-hold income of over $120,000/year buddy. Where do you stand Viper?
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And yet you cannot bother to find out the terms of the agreement or question why you are not receiving monthly statements? You should be smart enough to know that just because 'this is the way this company did it' doesn't mean that every company does it the same way.

Considering your childish behavior to Viper (I make this much money so I am better than you), it is no wonder you don't understand that you are partially resposible for the problem. :disgust:

Matt
 
Originally posted by: BadThad
Have you no experience with financing?

Of course you have to make monthly payments.

You have no room to bitch.

They were EXCEPTIONALLY forgiving if they took off the late fees & let you pay off the original balance.

Viper GTS
Click to expand...

BULL Viper! As I stated, I have ALL THE ROOM IN THE WORLD TO BITCH. I guess you haven't done much financing with interest-free account, huh? In my area the majority of them are "same as cash" meaning no monthly payments are due and there's no interest as long as you pay it off before the year is up. :roll:

I have a Beacon score of 1785 and a house-hold income of over $120,000/year buddy. Where do you stand Viper?
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yet, you couldn't figure out a simple credit agreement. i've done plenty of financing with no interest. they fall into 3 categories: no payments until xxxx, no interest until xxxx, no payments no interest (same as cash) until xxxx. you said yourself in this thread which one you had, and yet you still don't understand. :laugh:
 
Originally posted by: BadThad
BULL Viper! As I stated, I have ALL THE ROOM IN THE WORLD TO BITCH. I guess you haven't done much financing with interest-free account, huh? In my area the majority of them are "same as cash" meaning no monthly payments are due and there's no interest as long as you pay it off before the year is up. :roll:

I have a Beacon score of 1785 and a house-hold income of over $120,000/year buddy. Where do you stand Viper?
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How do you have a Beacon score of 1785??? 😕 Such a score does not exist.

Interest free does not mean payment free. All that means is that they are not charging you interest. You need to read the contract to find out when you were to make the payments and how they were to apply the payments, or speak with a CSR of that lender to find out their policy, which can vary from lender to lender and loan product to loan product, but is to remain consistent.
As a general rule (to be assumed if you are not sure), payments on installment loans are generally applied in this order: late fees and delinquent finance charges, principal, and then interest. Therefore, pre-payments of principal do not generally relieve the borrower of the responsibility of continuing to make the regular monthly payments. If I pre-pay $20k on my mortgage this month, I still have to make the regular payment next month. OTOH, if I pre-pay a couple of payments' worth on my car loan, that lender for that loan product will then allow me to skip those payments that I pre-paid if I choose to. How do I know this? Because I called and asked, as opposed to just assuming like you did.
Make sense? I hope so.


edit: in your installment loan documents was a form called the "Federal Truth-in-Lending Disclosure". On that form was your payment schedule.
 
Originally posted by: FrankyJunior
If they don't send you a statement or paperwork or anything stating what the monthly payments are, I don't see how you're supposed to know what or when to pay. You could dispute anything very easily. But if you have the funds ot pay it off anyway, then good riddance.
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After not receiving it for a month or two you should kinda catch on and probably try and attempt to call and see what is going on and if they have the correct address and try to resolve the situation.
 
Originally posted by: FrankyJunior
If they don't send you a statement or paperwork or anything stating what the monthly payments are, I don't see how you're supposed to know what or when to pay. You could dispute anything very easily. But if you have the funds ot pay it off anyway, then good riddance.
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Ridiculous. With an installment loan, when to make the payments, where to make them, and how much they are to be are included in the loan documents.
 
Originally posted by: BadThad
I have a Beacon score of 1785 and a house-hold income of over $120,000/year buddy. Where do you stand Viper?
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:laugh::laugh::laugh::laugh:
Your parents are doing pretty well, I see!
 
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