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wth
how you'd think that when signing the loan that $340 a month for a 17k purchase was a good thing to do?
It was an emergency purchase + I was dumber then. Also the original intention was to pay it off a lot faster than that. It didn't become an albatross until I realized how much the interest was demolishing the payments and that I'd gotten a raw deal. You live and learn, I guess.
Cancel the Zurich Shield bs crap and get a prorated amount back at least. Start there and then refinance the loan at a credit union.
I'm working on it. Since it's a timed thing I should be able to get it prorated for the remaining time which would at least take a few thousand off the balance.
When I got the car, I specified that I wasn't sure if I wanted the Zurich thing, and the dealers told me no problem, you can cancel it any time, which is why I got it. A few weeks later when I went back and went yeah, actually, I need to get this number down so I'm gonna cancel Zurich... all of a sudden the dealers told me that you can't cancel it, it's an upfront purchase.
I mean they fucked me over pretty good on this thing. I decided to keep it and hoped I ended up needing it...I didn't. So I'm going to call Zurich and figure it out with them. The fact that the dealer basically lied me into it might help me get it cancelled/prorated back to the bank. I know a good credit union for step 2 as well.