Saturday, November 8, 2008

Quarter Collection

Cory started a state quarter collection for the kids. They were either to little or not born to start it them selves when the goverment started the quarter series. There is only one state left to come out - Hawaii.
Once the kids got older, they took over their on collecting. I must admit, Gunner, with his obsessiveness is the best at reminding us to update them.


Today, Cory and the kids broke out their collection. Gunner and Taya's are about complete.


But they are all missing a few. So if any of you come across any of the following. Please let us know.

Michigan
Kansas
Delware
New Mexico
Nevada
Arizona
Colorado
Montana
South Dakota

Let us know if you have any of these.
Also, if you have been reading Gunner's blog, THANK YOU!! He is a bit obssesed with it, but it is encouraging him to read and write which was the goal!

Now I must share a rant!
In August, Cory and I went to Ken Garff Nissan in Orem to look at trucks. We didn't really intend to buy the day we went, however we we did. Or so we thought.
A month and half later we had not recieved any statement to pay on the truck, nor had we recieved plates for the truck. When we called them, they said they had been unable to get a loan and we would have to come and pick out something cheaper. When we got there the sales man (Shelton) tried to pressure us into a larger truck, older, which was what we were trying to avoid, for gas purposes, we really didn't need a bigger truck anyways. This truck had ALOT of miles on it and was only $5,000 less then the one we had. So we told him, we would just give them back their truck, we would take Cory's old tuck back (which was still on the lot) and call it good.
Shelton told us to give him a minute. 10 minutes later he said it had all been worked out, they would take $4,000 of the truck we were in and give us $500 more of our trade-in. By this point Cory and I were a little uncomfortable and asked if we could just walk away. We were told, oh no the loan has already been approved.
So another month goes by. We still have no plates and no bill from a finance place. I call to see were I need to make my payment and to get the plates and get the run around for the next two weeks. We finally get through to the laid who does the plates. She tells us the loan has still not financed! About this time Cory gets laid off. So know we are out of more than half our income. There is no way we are going to be able to make this payment, nor get approved for a loan. So the day after he is laid off, Cory goes to the dealer ship and tells them. They tell him he will have to come up with more money for the down payment (Uh, no money, he just got laid off!) or have a co signer. He says why would I have my family co sign for a loan, I know I can't make right now. They tell him not to worry about they will work something out! Huh? How?!? So two more weeks. And on Thursday we get a very rude message on our voicemail telling us we don't own the truck and to bring it back! So we go to the dealership and tell them we will just trade back, like we orginally wanted to do. But oh no, they have wholesaled the Cory's old truck! So now we are out a truck. Oh and did I mention in the process of trying to get us a loan they had our credit pulled over 20 times!!! When I point that out to him, he says that is no big deal, it will only knock our credit down a few points. To which I tell him a few points each time it is pulled! Then he tires to say that is standard. I point out when we bought our Charger 5 months earlier, they pulled out credit 3 times!

So bottom line, yes I am grateful I will not have to make the very large payment with out Cory's income. But, we strongly suggest, you stay away from Ken Garff Nissan!!!!!

Thanks for "listening" to me vent!

5 comments:

starr266 said...

that whole story of your truck is realy confusing! but can i just say gunner with coins is a typical gunner picture he cracks me up! i miss those little buggers! and ps your a nerd a twilight countdown can i beat you up! come on! well we need to go to the outlets when you come down to save your money work the corner more if you need to just do something! but figure it out! oh and i have a list of insults i said about you that were really good but of course you weren't here so when you do come down you got it comin sister!

Lyndsy Tippetts said...

my friend had a bad experience recently from Brent Brown. It makes it scary to go even near a dealership!!!!

The Umbergers said...

I hate car dealers! They are all so shadey! It sucks that you couldn't get Cory's truck back.. But i love that your kids collect quarters and I love Gunners picture! It makes me laugh! And I love Tayas too.. She is so cute!

starr266 said...

teisha and i are going through our quaters right now i have kansas and south dakota and teisha has some also we will getback you!

Michelle said...

That totally sucks!! They weren't doing their job. I used to be one if the Finance Clerks at Utah Auto Sales and it didn't take that long to get a loan set up!! Even if it was a difficult loan. AND we never pulled credit more than once! They dropped the ball on that one! Sorry to hear you had a bad experience. If you need help with anything let me know.