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Future Fords could repossess themselves and drive away if you miss payments

thedrive.com

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Re: Future Fords could repossess themselves and drive away if you miss payments

#411

Post by rTX5CMRXIfFG »

rl3 wrote: post #404
eduction wrote: post #383

Earlier quoted context omitted.

Maybe a better lesson than “confront / physically endanger the tow truck driver who is doing his job” is “don’t block traffic in an 8 house cul de sac because you wanted to get something from your room but didn’t want to actually bother finding parking.” This all reads like entitled driver behavior to me. Or dumb college antics that are best left behind. -former car owner

> This all reads like entitled driver behavior to me. You sure? GP: > Before the police showed up, an SUV showed up with some tow truck heavies with, no doubt, plenty of illegal weapons on them, just to spectate and make sure things went the way they wanted. Sounds more like thugs engaging in predatory behavior to me.

If the tow truck operators did not have thugs, the commenter’s friend still would have committed a violation.

Re: Future Fords could repossess themselves and drive away if you miss payments

#412

Post by lmm »

bloomingeek wrote: post #306
GuB-42 wrote: post #214

Earlier quoted context omitted.

> > When you finance a car, the vehicle becomes collateral for a loan, but it belongs to you. > The title stays with the lender until all the payments are made per the loan agreement. I would not say the vehicle legally belongs to a borrower until they have possession of the title. Maybe the confusion comes from the meaning of "owning". There are essentially three parts to ownership: the right to sell, to rent, and t…

Two of my vehicles are Chrysler's. Both send me a monthly email telling how the car is doing: tire psi, oil change status, etc. Both are paid off, but I'll bet anything they can still disable them. So do I really own them?

You own them. Sure Chrysler can disable your car, but whether they do that by sending it a radio signal or by sending a guy round with a wrench is neither here nor there.

Re: Future Fords could repossess themselves and drive away if you miss payments

#413

Post by JohnFen »

matheusmoreira wrote: post #410
JohnFen wrote: post #391

Earlier quoted context omitted.

Not true, at least in my state. If you buy a car with a loan, you own the car and the financer has a lien on it. You unequivocally own the car, though. The only restrictions that the financer can put on your use of the vehicle are ones that you agreed to in the loan agreement. They can't just restrict your use of it as they see fit -- unless, I suppose, you were foolish enough to sign an agreement allowing them to. T…

"Foolish enough" to sign an agreement allowing them to do whatever they want? Even website EULAs are all made up of the exact same "we can do everything and you can do nothing" legal boilerplate. Seriously doubt bankers are foolish enough to give people any choice in the matter. What are people gonna do when all the bankers standardize on the same non-negotiable self-interest maximizing contracts?

> What are people gonna do

Don't take out a loan to buy a car.

Re: Future Fords could repossess themselves and drive away if you miss payments

#414

Post by t-writescode »

Ancalagon wrote: post #378
mrtksn wrote: post #366

Earlier quoted context omitted.

> I'm guessing they told him to get a Western Union money order, as those can't be reversed Ha, out of nowhere a use case for Bitcoin appears.

Til that BTC you paid with drops in value to nothing because it's not pegged to anything.

Historically, a common usecase of bitcoin is as an intermediary between two people. If I recall, if you "buy a pizza with bitcoin", the seller instantly switches it over to cash, so there's basically no loss.

Re: Future Fords could repossess themselves and drive away if you miss payments

#415

Post by rl3 »

nemo44x wrote: post #380
spiritplumber wrote: post #333

Earlier quoted context omitted.

I saw someone's RV getting repossessed over $50 in 2019. They were clearly living in it. I walked over and handed the repo guy $60. He wouldn't take it. This was in a cul de sac. I parked my truck across the way so that it would not be possible to enter or leave the cul de sac. Someone called the cops. The cops showed up after a few minutes, good response time. The lady living in the RV was told that she could not pa…

Why did you feel the need to give the working class guy a hard time for doing his job? He probably makes an hourly wage or a commission on the vehicles he returns to rightful owners and now he’s facing not making any money for the day or possibly being fired. He was operating lawfully and you decided it was your job to enforce your justice. I don’t know, just seems wrong. I think it would have been more noble to take…

>I don’t know, just seems wrong.

Yeah, better they haul off the person's home over $50 and subject them to a minimum of hundreds in retrieval/storage fees. /s

Although somewhat rare, there are in fact tow operators who aren't pieces of shit and wouldn't do something like this in the first place.

Re: Future Fords could repossess themselves and drive away if you miss payments

#416

Post by heavyset_go »

giobox wrote: post #367
magic_hamster wrote: post #361

Earlier quoted context omitted.

Brace yourself then, because the future of automotive is highly connected, and in many ways it already is. Every car since the early 2000s has computerized components that control everything from power steering to infotainment systems, and your car probably already communicates with some servers using a built in cellular sim. Hackers have been able to compromise cars for at least a couple of decades, and while car ma…

Every new Ford on sale today in the US, from the cheapest Maverick to the most expensive F150 configuration, now has remote monitoring and access via 5G as standard - it's needed if nothing else to offer the apps to remote start and unlock the car that consumers just expect now. Its generally the same industry wide. > https://www.ford.com/support/category/fordpass/

Is it always connected or do drivers need to pay a fee for connectivity?

Re: Future Fords could repossess themselves and drive away if you miss payments

#417

Post by rTX5CMRXIfFG »

reustle wrote: post #401
notyourwork wrote: post #387

Earlier quoted context omitted.

The amount of mental gymnastics I hear from people who illegally park or obstruct society for their own selfish reasons is beyond me. There are places to park, there are places to not park, they don't have an overlap.

I don't agree with this. I'm from the US and have now lived in Japan for 6+ years. We have zero on street parking around the city, yet we joke that the hazard lights button is the "park anywhere" button, and you see it all the time. Because nobody strongly abuses this, it generally works fine and people go on with their lives around them. Even with the small neighborhood streets around Tokyo, you rarely see it being…

> Because nobody strongly abuses this

There’s your likely reason for why the rule is strictly enforced in the US.

Really, it makes no sense to me that people demand and expect law enforcement to work equally for everyone while also wanting to make an exception of themselves.

Re: Future Fords could repossess themselves and drive away if you miss payments

#418

Post by giantrobot »

lmm wrote: post #409
mywittyname wrote: post #320

Earlier quoted context omitted.

The problem with being a "Bicycle Guy" is that people like to run them over...

The only way to stop a bad guy with an SUV is a good guy with an SUV. Or maybe enforcing laws against homicide, but I guess that's too hard.

> Or maybe enforcing laws against homicide, but I guess that's too hard.

If only homicide was illegal, then no one would kill anyone else.

Re: Future Fords could repossess themselves and drive away if you miss payments

#419

Post by autoexec »

matheusmoreira wrote: post #405
lmkg wrote: post #36

Well if this is how the new cars are gonna be, I guess I'll just go ahead and teach myself to be a Car Guy so that the one I have now will run forever. It's not that I'm afraid of missing a payment. At this point I would probably buy the car outright. But after the robo-signing debacle with BoA repossesssing houses that they were never party to, the mere capability renders the machine fundamentally untrustworthy.

That's the fundamental problem with computers today: we don't own them anymore. They all run the corporation's code now and they're literally everywhere. Funny how quickly an incredibly empowering technology became obscenely oppressive after they take the keys to the machine away from us. Sometimes I wish computers had never been invented.

I'm glad they were (and I'd say it was inevitable) but I'm sad we haven't defended our rights or our democracy enough to avoid being exploited by corporations.

Re: Future Fords could repossess themselves and drive away if you miss payments

#420

Post by xpe »

nemo44x wrote: post #380
spiritplumber wrote: post #333

Earlier quoted context omitted.

I saw someone's RV getting repossessed over $50 in 2019. They were clearly living in it. I walked over and handed the repo guy $60. He wouldn't take it. This was in a cul de sac. I parked my truck across the way so that it would not be possible to enter or leave the cul de sac. Someone called the cops. The cops showed up after a few minutes, good response time. The lady living in the RV was told that she could not pa…

Why did you feel the need to give the working class guy a hard time for doing his job? He probably makes an hourly wage or a commission on the vehicles he returns to rightful owners and now he’s facing not making any money for the day or possibly being fired. He was operating lawfully and you decided it was your job to enforce your justice. I don’t know, just seems wrong. I think it would have been more noble to take…

A couple of thoughts to consider:

Zeroth, there really is no substitute for losing your home. Not being taken in for the night, not a shelter.

First, morality and legality are not identical.

Second, not doing something is a choice. Not acting and acting both have moral implications.

Third, systems are at times very good at pitting individuals against other. An employee can say "they are just doing their job"; meanwhile it is the organization structure that might strictly limit what authority the employee has. This can put the customer in the unfortunate position of having to raise issues with multiple layers of people, which takes away from their normal duties, before getting an issue resolved. A considerate customer might feel bad for "taking up" the first tier employee's time. This is by design. Think of car dealerships. I feel terrible for the dynamic of almost everyone involved there.

I haven't really laid out the specific connection, but I think you can see what I'm getting at. The car companies that hire repo companies probably don't empower the repo companies to exercise discretion. The people that build these corporate structures tend to understand human psychology and use it to their advantage.

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