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

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

#271

Post by Clubber »

panopticon wrote: post #238
Clubber wrote: post #195

Earlier quoted context omitted.

I've heard people opine that motor companies: Ford, GM, Harley Davidson, etc. aren't really motor companies anymore, they are finance companies and just use the vehicle as a means to get the financing paper. They are obviously both, but it would explain why the quality of US vehicles keeps deteriorating since around 2007 or so.

> it would explain why the quality of US vehicles keeps deteriorating since around 2007 or so I hear this meme a lot but is it actually true? By most benchmarks cars from the last 10 years are more reliable than those from two decades ago.

It is in my experience. I used to only buy US cars until I had a brand new 2017 GM vehicle have transmission issues within 6 months of purchase. This was to replace a 2013 GM vehicle that I was having trouble with. I took the 2017 to the dealer and they fixed it for another 6 months, then the issue came back. I took it to my personal mechanic and he said I should get rid of it, so I did. GM trucks have transmission issues. Look up the "Chevy shake," for another example.

I don't know about Ford, so they might still be ok, or at least better than GM. I don't want to pay $40K+ to find out though.

I expect to be able to drive vehicles without major issues for about 10 years. I've done this in the past with GM vehicles, but after 2007, the two I owned had significant issues all the ones I purchased prior did not. I put significantly less than 10k miles a year on my vehicles.

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

#272

Post by _fat_santa »

rootusrootus wrote: post #42
touisteur wrote: post #34

Thus making payment even less likely... I used to be a big proponent of alcohol/drug test to prevent car starting, ideally I imagined the system would be with an absolute guarantee (mandated) the information stays local (just a hardware switch preventing ignition or startup). But I'm sad to say I don't believe in any more, so much abuse to mark people as 'tries to drive while under the influence' or making you pay hi…

The biggest problem with an ignition interlock device today is that they're extremely unreliable. As implemented they are also very intrusive. Granted, they are currently implemented only as part of a punitive measure, so that behavior is partly intentional, but it would be unacceptable for universal adoption. Probably be better to just make cars do realtime verification of license status before letting someone drive…

> Probably be better to just make cars do realtime verification of license status before letting someone drive

A couple in Florida was killed yesterday in the hurricane, though they tried to evacuate, the storm meant that license verification servers were down and their Ford would not start.

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

#273

Post by jpk2f2 »

AlbertCory wrote: post #191

True story: my neighbor's lease payment was under, by a dollar or two, no more. An error in his banking practices, I guess. They came and repossessed it in the middle of the night. He offered to pay, and they wouldn't take a credit card, PayPal, Venmo, Zelle, wire transfer, or any other modern form of payment. No, he had to go to Western Union. Someone who's more up on this sort of stuff can explain that. A week late…

Neighbor got scammed.

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

#274

Post by e_i_pi_2 »

user3939382 wrote: post #68
e_i_pi_2 wrote: post #63

Earlier quoted context omitted.

I can easily see the argument for owning personal property like a phone, but how can someone have a true ownership claim over land? For personal property there is a production chain with labor that went into the item, but for land it's just out there and at some point someone decided they should be able to restrict what other people do in some area. If you see that it's not legitimate for a government to do, then by…

> If you see that it's not legitimate for a government to do, then by the same logic it's not legitimate for an individual I see the rights of government as secondary by default with exceptions meted out strictly as necessary. There exists a very limited number of jurisdictions where property taxes don't exist and land ownership is therefore real, so there's no philosophical/legal impediment to foregoing property tax…

My argument is that even without property taxes the land ownership isn't real - someone can have a piece of paper and a government to back them up and say they "own" the land, but ultimately it's not the same as personal property and doesn't make sense to treat the same way. As far as I've seen it's impossible to establish a chain of custody for land ownership that doesn't involve theft and invalidate the current ownership claim

Further, the government is the only thing that grants the land ownership claim, if there is no government than anyone can come along and kick you off your land, revealing that you didn't really own it to start with - you're just living there right now

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

#275

Post by AlbertCory »

jpk2f2 wrote: post #273
AlbertCory wrote: post #191

True story: my neighbor's lease payment was under, by a dollar or two, no more. An error in his banking practices, I guess. They came and repossessed it in the middle of the night. He offered to pay, and they wouldn't take a credit card, PayPal, Venmo, Zelle, wire transfer, or any other modern form of payment. No, he had to go to Western Union. Someone who's more up on this sort of stuff can explain that. A week late…

Neighbor got scammed.

I don't think so. Aside from the shadiness of it: he called the car loan company and they owned up to repo'ing it. He did in fact pay too little on his monthly payment. So how would a scam work?

(I don't know if he called the police or not, or what they would do in a case like this. Probably say, "Yep, sounds legit" and that would be the end of it.)

see above comment. Not a scam.

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

#276

Post by gjsman-1000 »

nickff wrote: post #234
gjsman-1000 wrote: post #187

Earlier quoted context omitted.

HN guidelines quote: "Please don't post comments saying that HN is turning into Reddit. It's a semi-noob illusion, as old as the hills." https://news.ycombinator.com/newsguidelines.html Whether it actually is, or is not, is irrelevant.

But Jader's account is over ten years old, as is mine, so I don't think you can credibly accuse them of being a noob. I happen to believe that HN has gotten substantially worse, and more Reddit-like over the 15 years I've been using it. That said, this change is likely because more people (from a broader spectrum of backgrounds) are using it, and the site's total utility has probably increased.

I didn't say it. The site rules do.

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

#277

Post by skyyler »

meghan_rain wrote: post #180
RobotToaster wrote: post #10

Great, now we're going to get country music about how some guy's truck left him.

Funny but reddit-tier comment, dang??

https://news.ycombinator.com/newsguidelines.html

Taking a look at this now, for the first time in months. There's nothing in here about comedy not being allowed. It does discourage users from making comments like yours, though.

Shallow jokes to break up heavy conversations, like about our society slipping into a dystopia, are very human.

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

#278

Post by SketchySeaBeast »

jwilber wrote: post #223
rootusrootus wrote: post #28

Earlier quoted context omitted.

FWIW, this was the number one comment yesterday on the Reddit thread about this.

Yeah these comments are awful. Someone even wrote, “take my upvote.” Not a good look for HN discus quality. Back on topic: I find this hard to believe, what happens if it repossess itself by mistake? Gets in an accident on the way home during said repo? Especially since nowadays most Fords are just oversized trucks. And why is this even a desired feature? Is the average Ford customer that untrustworthy? I’m curious w…

Aren't mistaken repossessions and accidents during repossession things that happen already? The used car market is incredibly predatory and full of the same car getting repeatedly repossessed from new owners.

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

#279

Post by aintgonnatakeit »

xivzgrev wrote: post #267
RobotToaster wrote: post #10

Great, now we're going to get country music about how some guy's truck left him.

ChatGPT to the rescue: Verse 1: I had a trusty truck, my pride and joy Took me everywhere, never did destroy But times were tough, I fell behind Missed some payments, the bank declined Chorus: Now my truck's gone, it drove away Left me feeling low, I gotta say I'm stuck here on this dusty land Holding onto memories of what I had Verse 2: That old truck had a mind of its own But it always knew the way back home Now it…

Needs more pandering

Verse 1: Had a pickup truck, my favorite toy, Whiskey in console, feeling coy, Drove on dirt roads, feeling free, With a girl on the tailgate, in tight blue jeans for all to see.

Chorus: My truck left me, feeling stuck, Drinking whiskey in my blue jeans, feeling yuck, Miss the girl on the tailgate, her pretty look, Truck is gone, now I cry like a rook.

Verse 2: Fell behind on payments, lost my ride, The truck drove off, with the girl by its side, She wore tight blue jeans, hugged her curves just right, Now the truck and the girl are out of sight.

Chorus: My truck left me, feeling stuck, Drinking whiskey in my blue jeans, feeling yuck, Miss the girl on the tailgate, her pretty look, Truck is gone, now I cry like a rook.

Bridge: It was just a truck, I know, But its departure dealt a painful blow, I'll find a new ride and try to mend, But memories of the girl and the truck will never end.

Chorus: My truck left me, feeling stuck, Drinking whiskey in my blue jeans, feeling yuck, Miss the girl on the tailgate, her pretty look, Truck is gone, now I cry like a rook.

Outro: Maybe one day my truck will return, With the girl in tight blue jeans for all to yearn, Until then, I'll sip my whiskey and dream, Of the truck and the girl, a perfect team.

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

#280

Post by nickff »

gjsman-1000 wrote: post #276
nickff wrote: post #234

Earlier quoted context omitted.

But Jader's account is over ten years old, as is mine, so I don't think you can credibly accuse them of being a noob. I happen to believe that HN has gotten substantially worse, and more Reddit-like over the 15 years I've been using it. That said, this change is likely because more people (from a broader spectrum of backgrounds) are using it, and the site's total utility has probably increased.

I didn't say it. The site rules do.

They're guidelines, and they say it's an illusion. The examples linked are to accounts only a few months old, from 14 years ago. At this point, some of us have been around long enough to understand what's going on.
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