ULPT: request, how to prevent car from being impounded
Posted by oshaoctopussy@reddit | UnethicalLifeProTips | View on Reddit | 50 comments
title. I'm sure I'll be able to make payments again eventually, I cant refinance because my credit is bad, my credit is bad because I cant afford to pay off other debts. i have a 27% interest rate on my car loan. anything is helpful.
thank you my friends
Reptilian_American06@reddit
A lot of car dealers are placing tracking devices in the cars they sell, you'd need to find and disable it, change the plates, cover the windshield vin, park a couple of blocks away from your house and job. sounds like a PITA, and at 27% catching up with missed payments just seems like wishful thinking.
PoolMotosBowling@reddit
The car dealer doesn't hold the loan so it would have no reason to track the car. They've already got their money.
diablodeldragoon@reddit
They're talking about buy here pay here dealers. Which is typically where you get that high of an interest rate.
oshaoctopussy@reddit (OP)
it was a regular ass toyota dealership, the loan is not thru them
diablodeldragoon@reddit
And you got 27% interest? 😳
oshaoctopussy@reddit (OP)
yep, trade-in valued at 4k, which was generous. 0 down payment, bad credit
diablodeldragoon@reddit
I did a power train swap on my car, that I bought from what I thought was the original owner. I found a tracker under the Ecm
SuedtirolerRotzleffl@reddit
What the fuck lmao
oshaoctopussy@reddit (OP)
poor people stay poor, thats trickle down economics for you. I was lucky to even get a car and I absolutely needed it at the time
I_Want_A_Ribeye@reddit
27%!?!?
oshaoctopussy@reddit (OP)
thats what I'm SAYING!!!
One_Tumbleweed_1@reddit
They didn’t force you to sign the papers
ajdiddy@reddit
Yea. OP is like isn’t that ridiculous but we are trying to tell them that they agreed to it which is more ridiculous
oshaoctopussy@reddit (OP)
my 4runner broke down 7 days before I was moving states. lease already broke, 2 weeks notice already put into my job. I didnt have a lot of resources at my disposal, I was lucky to even get a car. this was years ago. sticky situation, I did my best at the time & still am. some lives are different than yours :)
ReindeerCreepy6502@reddit
right off the bat, dont park where you normally do (like in front of your house, duh), take off your front plate if possible, put some mail (DONT PUT THE SIDE WITH YOUR NAME UP) over the vin in the windshield. try to back into places so the plate is obscured, and get as close to the wall as you are comfortable. Park your car in a narrow place where a towtruck could not fit, or tow your car out without hitting other peoples cars. lower your car. put your parking brake on. More unethical (and now we are getting into the illegal things) would be to remove your plates all together, swap plates, or pay a homeless man to harass tow truck drivers (okay, a little unrealistic but fun to imagine).
Different-Phone-7654@reddit
Why not put the mail facing up but not their name ask the neighbor for their mail
ReindeerCreepy6502@reddit
It’s going to be blank anyway, but yeah if you felt like asking go for it
Different-Phone-7654@reddit
Could just write it out too I guess. Not like sending mail to someone is completely dead... Yet..
Dismal_Committee7705@reddit
Drive it into Mexico or Canada and trade it for another car.
Eastern_Comedian8804@reddit
Just don’t drive it over the boarder WITH the plates on it and report it stolen for the payment. The vsr will pick it up on camera when an adjuster runs the vin/plate and they’ll see you on camera driving it across the boarder and wait until they find you walking back across…. -former claims adjuster.
Swapped plates, hop in a ride coming back across before making that report.
Dismal_Committee7705@reddit
You can do the trailer method too. Remove the plates, load it up on a trailer, and tell customs you're getting it fixed there.
Eastern_Comedian8804@reddit
Brilliant!
shortbarrelflamer@reddit
Sit the car on blocks and take the wheels off. Can't really tow a car that's up on blocks unless the tow dude wants to fuck up a nice car.
gunsforevery1@reddit
By paying your bill.
Remove the vin from the car.
Tomj_Oad@reddit
The VIN isn't just the tag you can see. It's in several places including stamped into the engine block in most cars
gunsforevery1@reddit
I’ve never seen a tow truck company open up a hood.
oshaoctopussy@reddit (OP)
if I could pay my bill, I would. much easier than this bullshit
polarityofmarriage@reddit
If you had a vehicle sized storage unit you could park it there until you catch up. But at 27-% interest it’s a losing battle. I’d rather cut your losses and save up for an e-bike to get you to public transportation of some kind. Sorry that sounds really bad.
missannthrope67@reddit
Repo's aren't allowed inside your garage or locked gate. Keep it locked up and take public transport. Which is what you will have to do when your car gets repo'ed.
Eastern_Comedian8804@reddit
Best advice this one requires waiting - comprehensive and collision, gap coverage, WAIT - unfortunate accident could arise from an unknown peril.
My mother in law accidentally hit a pole at the bank because of a sun glare totaled her brand new car.
nandemoto44@reddit
It would cost a little money, but if you're fairly confident there is no tracker you could park it at a gated, code required storage facility with a cover, a steering wheel lock, and some chains through all the wheels
Due_Statistician_288@reddit
Look online buddy of mine had 3 different trackers in his car
kilgoretrout1077@reddit
There is a tracker on your car somewhere. Even if you found it , they will still find and repo your car. That’s what these people do. You can park it wherever you want. They will eventually just follow you to it because you will be taking busses to get to your car? The only two things I saw here that might work are 1 : totally against the law and you’d probably go to jail. , but someone said selling the car in Mexico would definitely work, except for the jail part. And 2. Call your finance company. They may work with you if you have 27% interest and want to pay, they can take a payment or two and add it on the back end which actually makes more money off you. But don’t avoid their calls or duck them, that’ll make them call repo quick
live_drifter@reddit
You can never pay off a 27% interest car.
coolsellitcheap@reddit
Use the car to drive around at night. Pickup metal on the curb people put out with trash. Then haul to scrapyard before or after work. They pay cash. Then make payment. Keep doing this till you get car note caught up.
Annual_Award1260@reddit
Just let them repo it. No need to make another single payment to those crooks.
tidymaze@reddit
Until they sue him for the remainder of his loan. That he willingly signed.
Annual_Award1260@reddit
Depends on the local laws. At least where I am they have the option of seizing or suing but not both.
PageNotFoubd404@reddit
Talk to your lender. The worst thing to do is no pay/ no contact. They may be able to defer a payment or two. I worked many years in auto finance.
jjamesr539@reddit
Jesus dude at 27% interest the repo guys would be doing you a favor
dark_places@reddit
It has a tracker on it, most definitely. Don't leave anything you need or want in it. It's going. Sorry. Been there
vampyrewolf@reddit
Is there an identical vehicle within a few blocks to swap the plate with? Technically any plate swap will work but if you're driving a white Camry a plate from a black f150 would flag a police cruiser with cameras scanning traffic. Good for a few days to weeks until that other driver notices. Make sure to leave your plate on their vehicle so they don't get pulled for a missing plate.
Otherwise it needs to be parked indoors so they don't see it when they drive past your house, ideally in a friend's garage. But then you can't drive it anywhere because you may get it towed while getting groceries.
PoolMotosBowling@reddit
Swap a plate and then their car gets impounded??? You're a jerk.
vampyrewolf@reddit
They're asking for unethical tips on hiding from a tow truck
oshaoctopussy@reddit (OP)
I would not leave a government issued item attached to my legal name and address at the scene of any crime, but I do drive a very common car so I appreciate the idea. I'm crafty. I appreciate your input!
ReindeerCreepy6502@reddit
dude, dont leave your plate on their car if youre swapping plates. It is a crime to steal plates. They are all linked to a car, which is linked to you. Its like robbing a bank and leaving a business card. (or burning down a warehouse and posting it on instagram lol)
vampyrewolf@reddit
If you're resorted to asking people how to do something slightly illegal online, then you're already not the sharpest crayon in the box.
Just saying that someone will notice a missing plate long before they notice it's the wrong plate.
ReindeerCreepy6502@reddit
Yeah but don’t leave your plate at the scene of the crime?
vampyrewolf@reddit
Fine... Swap 3 or 4 vehicles plates, not just 1 then. Leaves someone without a plate to get caught.
LivingFlawless@reddit
Theres a chance theres a tracker on your car. I parked in a different apartment complex when this happened to me.