I've been seeing a lot of E-Load commercials lately and it's rather disturbing. In 2000 I got a loan through E-Loan and it was not a pretty process. It started out fairly well, except that they offered me one rate - but approved me at a signicantly higher rather than advertised. They said it was due to my credit - but my credit was perfect at that point having finally scraped my ex-wife off my credit report.
I agreed to the higher rate and got a "check" for the new Honda CR-V I was buying. I went to the dealer and he sold me the car. So far - so good.
Then - I started getting calls from E-Loan to get more information to qualify me for the loan. I pointed out that I was already qualified and that they had send me a check and that the car was bought 3 weeks prior. It was a done deal - so what's the qualifying about?
They tried to tell me that the check they sent me wasn't a final approval - even though the paperwork they send claimed otherwise and the auto dealer had already cashed the check.
I forget all the details - but the check bounced - then very soon after that they made it clear somehow.
The loan wasn't through E-Laon - it was through Bank of America. So E-Loan wasn't the actual lender - they brokered it.
Even though everything came out OK in the end - the process was very spooky and dishonest on the part of E-Loan. The bottom line is - I'll never do business with them again - and I would advise my friends to avoid them as well. The idea that they write checks that are convincing enough for auto dealers to take and then claim that the loan wasn't yet approved is what I would call fraud.
You heard it here first. Having realized that Saddam - a fierce oppressor of his people - created stability and kept the terrorists at bay. So Bush has decided to put Saddam back in power. Saddam will resume shipping oil and contract with Halliburton to manage reconstruction.
Letter to the Editor
Most people believe that there will be some sort of terrorist attack against the United States before the election. And there probably will be because Bush wasted all our resources going after Iraq when he should have gone after Osama bin Laden. Now the real terrorists are not only free but stronger than ever. If we are attacked it will be a result of another failure of leadership of the Bush administration. This is the sort of thing that happens when we have a president who just isn't smart enough to do the job.
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Osama bin Laden is stronger than ever. We are the most feared and hated nation on the planet right now. Even our alies like France, Germany, Russia, and even Canada think we've gone mad.
Letter to the Editor
It's no surprise that there is a Saudi plan to reduce gas prices to help Bush get elected. After all - they owe Bush big time. 15 of the 19 9-11 hijackers came from Saudi Arabia and they were funding Osama bin Laden. Bush and the Sandi's are so close that the Saudi ambassador knew Bush was going to war with Iraq before Secretary of State Colin Powell was told. Saudi Arabia is getting quite rich this summer at the expense of the American people.
Letter to the Editor
War is easy. Anyone can go to war. People have been slaughtering each other for thousands of years. There is no honor in war as it represents the failure of peace. Peace is hard. Peace take intelligence and courage. Peace requires the discipline to move beyond the hate. Peace takes more courage than war does. The truly brave are not those who give in to war - but those who make the peace.