Returned Nissan Lease: not paying the Disposition Fee?

Ask the Hackrs
1

We returned our Frontier lease (18/10, $160/month - the deal that got me addicted to hacking!) earlier this month. The car had 7k of miles on it relative to a 17.5k allowance (we extended lease 3 months).

I recently received a bill from NMAC (sent to the wrong address no less), asking me to pay the $395 disposition charge.

The dealer when we returned checked the car (was in pristine condition) and mentioned there would be no fees/damage charges due for us (no mention of disposition fee), and that we were all set. I could have talked about any remaining equity, but given the 99% residual and me wanting to get out of there, did not bring up.

What would happen if I were to just not pay the disposition fee? I could claim ignorance as it was sent to the wrong address, and frankly given the condition in which I returned the car and the little mileage used, the extra fee just doesn’t sit right with me. Will this get sent to collections and potentially hurt credit score? Will NMAC keep coming back?

(for r/UnethicalLifeProTips)

2

Making mistakes in life is part of the deal, but avoid this one for the fairly small price of $395.

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3

Most likely yes.

The dispo fee is in your contract, you owe it when turning your lease in. Doesn’t matter whether you put 10 miles or 100k miles on the car.

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4

If it didn’t sit well with you, why sign a contract / lease agreement stating that you agree to the disposition fee?

Yes, your credit will start getting dinged for non-payment.

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5

I really do not care about what is right or wrong here, if you could get out of paying something with no risk, I think most would take it, so spare your sanctimonious opinions.

OK. This is the only thing I was looking for.

6

There is no extra fee. There is a fee you contractually agreed to when you signed the lease.

You will be taken to collections for not paying it.

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7

Thank you for just stating the facts and not being self righteous. I will pay it. jfc

8

Between this:

and these:

r/UnethicalLifeProTips

“being self-righteous”

I wish you the best of luck with what appears to be your clearly misguided life.

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9

lol. good for you buddy

10

You can call NMAC and mention these things and ask as a courtesy to waive the fee or reduce it.

Doesn’t hurt to ask nicely, worst case you’ve wasted a few minutes of your day.

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11

Thanks, I’ll try that. We have another Nissan in the household so maybe that helps too

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12

Yes, also use the brand loyalty angle.

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13

No problem.

When you call and try to get the fee waiver, try to lay off on the d-bag routine.

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14

not his job to remind you of the fee that’s literally in your contract.

the car you returned is over 5k upside down, so any equity would be comical.

claiming “ignorance” is something you can do only if you’d like your credit score to drop 200 points and then have this dispo charged off.

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Do you know some guy named Eric?

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Two for one

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17

I returned my Frontier lease back over this past summer. I leased an Altima last December too and I asked NMAC to waive the disposition fee on the Frontier citing that I had leased another Nissan recently and they didn’t want to hear it.

They said since you leased the other Nissan over 90 days ago, it wasn’t eligible for the disposition fee to be waived.

I paid the $422 (it’s $395 plus tax ) and I moved on with my life. I’ll have to also pay another disposition fee again when I return my Altima next spring. Such is life.

Be grateful you leased the car and don’t own it with the amount of negative equity these things have as soon as you drive them off the lot.

If you think you’re just not gonna pay them the dispo fee, then RIP to your credit score and good luck ever attempting to lease a car again in the near future. NMAC will immediately put you in collections and phuck your credit royally.

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19

very likely the easiest and most believable part of this scenario by a large margin

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20

you are truly insufferable, it must be so tiring calling out random internet people on what they should/should not do.

I realize it’s in the contract. I thought they had no recourse since I put in no security deposit. I am asking if it just goes to collection or not. What is wrong with you people here treating as if everyone else they are the idiiot.

Again actual helpful feedback.

Again, you are insufferable

21

Just FYI, if it goes on your credit report, they are not required to take it off once you pay it. It stays on there for 7 years. It will take 100 to 150 points off your credit score, and slowly go back up every year for 7 years. I missed a $120 doctors bill when I moved because it didn’t get forwarded. I paid it late, but they refused to take it off the report. When I got my first mortgage, I had to pay a point higher than the best rates.