Just got off the phone with HMF again. I told them @AutoCompanion says they can give my the buyout but they won’t budge 
. Pretty sure your wrong about this. Can’t believe I’m the only person in PA who’s been told by multiple banks I can’t get the buyout and need to go to a dealer.
Aren’t you guys talking about different things, ie dealer payoff amount vs personal?
The original discussion was about PA being like Florida, where one has to go to a dealer to get your personal buy out.
Interestingly, Hyundai and Audi will not give me my buy out in FL, but Honda will.
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Probably, I’m talking about the 10 day buyout. The vehicle payoff @AutoCompanion is referring to is different. Honda lists this on your statement, which is a nice feature.
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This is the 10 day buyout valid until the 17th, it excludes tax and MSDs, according to the Volvo reps I’ve spoken to. PA doesn’t have a law on the books afaik referring to preventing people from buying out their cars or receiving info from financial services on buyouts or payoffs. Theoretically with enough prying you should be able to receive that info. IIRC, there’s also a link floating around for Acura and Honda buyouts on here.
I suspect there is a law in Pa but it probably just gives the lender the right to deny you your payoff to try to force you into their dealer as opposed to a law which requires the bank to force you to a dealer. On HMF website you can request your buyout online but in PA you will be told to go to your dealer and it even lists the dealer you bought your car from as the place to go. HMF is definitely not the only bank which will tell you pa is a dealer only state when you call to ask for your 10 day buyout.
For those of you who had US Bank and bought your own car to sell it, how long did it take to get title and flip the car? Carvana is offering almost MSRP on my Tundra, and it’s hard to pass that up.
So… their number to call didn’t even start accepting calls until 7AM PST when website states 9AM EST and their voicemail says 7AM MST… second time my call dropped after a 4 hour wait due to tmobile policy even though I got a call through the minute the “away message” disappeared… how do you even get in contact with them?
Use the chat feature to request a text back.
used that, and they asked me to call in to get BMW payoff statement. lol
Have T-Mobile and waited 2hr 30 min and call dropped
Think carvanas system dropped the call not T-Mobile
If you chat with them, they can tell you if the sales line has a shorter wait and give you that number to try instead.
FWIW, I just sold them my leased BMW X1 with $4K+ of equity and it was super seamless
Was able to sell my mazda without talking to anyone on the phone, chase seems to be one of the easiest banks to pull this off with.
I also did try to get a new quote in a new browser window. This one was lower, and my higher offer still remained when I signed in to my account
3k equity immediately going into a used Macan GTS
yeah chase is by far the easiest. They even have an ivr for dealer when you call the ivr gives you the dealer payoff.
I may also add that I was on hold for just over 4 hours. In those 4 hours I was able to go to the gym, drive home, make breakfast, and catch up on emails. They were very apologetic and I told them they need a better system which she replied, “We used to have a callback cue.” Brutal hold time.
Tried googling land rover vin decoder to get the window sticker of the features of my car and im having trouble getting a site that shows detailed info. Anyone have any more recommendations?
I mentioned the windshield cracking on the initial appraisal submission along with rock chips on the pillar. After approving my documents, they had me upload pictures of both damages and was approved after a few hours. They didn’t seem to care too much.
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More reason why, provided you can walk away clean or even for a very small payment, it’s better to sell close to the end vs turn in and face charges I guess.
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