Longest OCI on this board!!!!!!

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bigjason

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Jun 13, 2004
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My sister in law bought a Element in last Aug, and she hasn't change the oil which come with the car, she did add 1 quart of oil at about 10K miles, that's Chervon dino, 20W-50(appartnly, what's in her storage for her old beater) and now the Element has about 13K miles in it. I ususlly change oil myself and I am thinking of doing it for her. But, she is just too lazy and I don't feel like I should help someone who just don't care about her car, mind, I run the credit report for her to get her dam* loan!!!!
I may do it eventually cause I know I can't stand a new car being abuse by someone, but I told her to go to any oil change place and do a quick cheap oil change more than 10 times, she ignores me and keep on going with the OEM oil. Maybe I will just keep silent and see when the enigine is going to break down or when will she finally change her oil. I think this is the longest OCI on the board, lol.

[ July 27, 2004, 03:03 PM: Message edited by: bigjason ]
 
Don't mention it again and see how long she goes. It could end up being an interesting experiment at someone else's expense: I've always wondered how long an engine would go from new if the oil is never changed!
 
188,000 miles on an early 80's jeep pick up...Not mine but a neighbors...Never changed ,just added..He bought it new so there was no-one else abusing it....One day she just wouldn't start,he had it towed to a friends garage..There was so much sludge that nothing in the upper end could turn anymore..
shocked.gif
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..Mechanic cleaned it up enough to run,but she gave up the ship a month later....So the oci turned out to be 14 years or 188,000 whichever comes first....
 
My story of the infamous 99 Corolla w/ 2 oil changes is similar. Then I wind up with the car (huge discount), as she tried to sell it and nobody wanted it. I probably could have slipped out to the car, disabled the battery and slip a drain pan under it when she was here for a family gathering. If you have time, maybe consider that. My case I just have too many irons in the fire to watch out for everyone else too
grin.gif
 
(writes down on notepad)


SELF,

BUY NO USED HONDAS SHAPED LIKE REFRIGERATORS.

SIGNED,
ME

smile.gif
 
I am surprised an engine can run up to 188K miles without changing the oil at all. I guess she is trying to break this record, lol.

If I eventally do an oil change for the car, I may do a oil test, but heck, I rather spend that $20 on my own oil test. Maybe we can all chip in a dollor or so just to see what the result will turn out, lol.

[ July 27, 2004, 03:52 PM: Message edited by: bigjason ]
 
quote:
Originally posted by bigjason:
Her credit is bad so she asked me to help her out by using my name to get her the loan from the dealer. Yes, the car is under my name, but I did not spend a penny on it. At that time, I made her promise to take care the car maintenance per OEM reqiurement as I don't want to see a new car being runined, she agreed but now she is ignoring me. Are all the women like that? Most of the women I know don't take care of their cars.....

I am surprised an engine can run up to 188K miles without changing the oil at all. I guess she is trying to break this record, lol.

If I eventally do an oil change for the car, I may do a oil test, but heck, I rather spend that $20 on my own oil test. Maybe we can all chip in a dollor or so just to see what the result will turn out, lol.
Click to expand...
Umm ... I hate to be the one to break this to you, but that's your vehicle. Further, if the engine fails and she decides she simply isn't going to pay for it anymore, guess who the collectors are going to call? You. Guess whose credit report is going to get screwed up. Yours. Finally (and not that I care or it's any of my business, but just so you know in case you didn't), what you've done is considered fraud -- it's a "straw deal" -- is taken very seriously in the industry, and could land you in jail. I strongly suggest not spreading this fact around internet message boards!
 
quote:
Originally posted by bigjason:
[QB] Her credit is bad so she asked me to help her out by using my name to get her the loan from the dealer. Yes, the car is under my name, but I did not spend a penny on it.
Click to expand...
I'd consider it joint ownership, if she stops paying, it's yours basically (unless you let it get repoed and it goes on *your* record). I'd be good and sure this vehicle is properly cared for, including the paint and interior. You may need to sell it. Next time you see the car, pull the bat cable (no unfortunate accidents-such as drive off when oil is draining) and drain the oil.
 
quote:
Originally posted by tpi:

quote:
Originally posted by bigjason:
[QB] Her credit is bad so she asked me to help her out by using my name to get her the loan from the dealer. Yes, the car is under my name, but I did not spend a penny on it.
Click to expand...
I'd consider it joint ownership, if she stops paying, it's yours basically (unless you let it get repoed and it goes on *your* record). I'd be good and sure this vehicle is properly cared for, including the paint and interior. You may need to sell it. Next time you see the car, pull the bat cable (no unfortunate accidents-such as drive off when oil is draining) and drain the oil.
Click to expand...
It's owned jointly only if he co-signed on the loan; in other words, if both names are on the paper. If not, it is his lock, stock and barrel.
 
quote:
Originally posted by kev99sl:

quote:
Originally posted by tpi:

quote:
Originally posted by bigjason:
[QB] Her credit is bad so she asked me to help her out by using my name to get her the loan from the dealer. Yes, the car is under my name, but I did not spend a penny on it.
Click to expand...
I'd consider it joint ownership, if she stops paying, it's yours basically (unless you let it get repoed and it goes on *your* record). I'd be good and sure this vehicle is properly cared for, including the paint and interior. You may need to sell it. Next time you see the car, pull the bat cable (no unfortunate accidents-such as drive off when oil is draining) and drain the oil.
Click to expand...
It's owned jointly only if he co-signed on the loan; in other words, if both names are on the paper. If not, it is his lock, stock and barrel.
Click to expand...
From a legal standpoint yes, from practical standpoint does he want to claim and sell the vehicle now? It might be a good idea to do just that.
 
quote:
Originally posted by kev99sl:

quote:
Originally posted by bigjason:
Her credit is bad so she asked me to help her out by using my name to get her the loan from the dealer. Yes, the car is under my name, but I did not spend a penny on it. At that time, I made her promise to take care the car maintenance per OEM reqiurement as I don't want to see a new car being runined, she agreed but now she is ignoring me. Are all the women like that? Most of the women I know don't take care of their cars.....

I am surprised an engine can run up to 188K miles without changing the oil at all. I guess she is trying to break this record, lol.

If I eventally do an oil change for the car, I may do a oil test, but heck, I rather spend that $20 on my own oil test. Maybe we can all chip in a dollor or so just to see what the result will turn out, lol.
Click to expand...
Umm ... I hate to be the one to break this to you, but that's your vehicle. Further, if the engine fails and she decides she simply isn't going to pay for it anymore, guess who the collectors are going to call? You. Guess whose credit report is going to get screwed up. Yours. Finally (and not that I care or it's any of my business, but just so you know in case you didn't), what you've done is considered fraud -- it's a "straw deal" -- is taken very seriously in the industry, and could land you in jail. I strongly suggest not spreading this fact around internet message boards!
Click to expand...
Are you serious? I am just tryingto help a family member here, can I bview this as I loan the money from the bank and then I loan it to her?? Anyway, I 'd edit my message about the creidit part. Thanks!!
 
quote:
Originally posted by bigjason:
I am just tryingto help a family member here, can I bview this as I loan the money from the bank and then I loan it to her?? Anyway, I 'd edit my message about the creidit part. Thanks!! [/QB]
Click to expand...
If I were helping family memeber I don't want my name on the loan or the title. Too much liability. I'd set it up as a gift, or a separate loan to cover down payment. At least all you can lose here is the amount you gave or loaned. I'd be more concerned about her insurance coverage and your liability in case of a bad accident.

Edit: If I were in your shoes, I'd transfer title over to her immediately, and refinance the loan. If that isn't possible, I'd sell the car.

[ July 27, 2004, 04:05 PM: Message edited by: tpi ]
 
quote:
can I bview this as I loan the money from the bank and then I loan it to her??
Click to expand...
Yes and no. There are shades of gray all over the place, depending on how exactly it was done. The most important things (to the bank or financing company) are who they thought they were giving the loan to, and how they will get their money if payments stop being made. If (1), you are the person they thought they were giving the loan to and (2) you understand that you're responsible for the payments, then it technically isn't illegal -- as you said, you've basically taken on the loan, and then turned around and given your sister a loan, and that's your business. Where it gets sticky is when family members stop making payments, and the people who actually have the loan get a call from collectors looking for money, and they believe they're "not responsible." In their view (and legally), they loaned the money to you, you own the vehicle, and you are most assuredly responsible for it. (Better make sure the insurance is current too!) It isn't the same as if you'd out-and-out bought the vehicle and then given to her as a gift, because technically, they still own the vehicle, and they're allowing you to use it until it's paid for: in other words, it isn't "yours" to give. If you turned around and loaned her the entire amount of the loan, then there would be no question. Where it gets sticky is the financing: you're sort of loaning her their money.
 
Consider this: If she is that Lazy in maintaining teh car, how lazy is she about her driving habits? And How lazy will she become when something goes wrong with it??
 
Another thought -- If she didn't have enough money to buy the car, where is she going to get the money to repair the engine when it eventually craps out?

It's stories like this one that remind me why I only help those who help themselves. Some people just aren't cut out for car ownership. To turn down good advice when the consequences are so expensive is way over the top. Like Jim suggested, how is she in other things in life????
 
Get the loan transfered into her name ASAP! Or get a "bad credit" loan agency to finance the car for her and "buy" it from you. You need to get the responsiblility of that car taken off of you and onto her. She played you man.

Good luck - I hate to see good people get screwed by their own family members.
 
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