I lost five days and 70 credits while trying to buy a motorcycle

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picture: Indian

Over the past week I’ve been trying to treat myself My first new car in six years. I wanted to update my motorcycle fleet with an Indian FTR 1200. But after working with two local agencies, all I got was 70 credits and five lost days of time.

As you all know now I am always on the lookout for my next dream car. Since I joined Jalopnik, I’ve got a number of vehicles I once thought unobtainable. I now have a file Volkswagen Touareg V10 TDIa GM (Nova) RTS busthe first generation of the Audi TT, a Honda winAnd Suzuki Every and amazing Diesel Smart Fortwo. But I kind of ignored my dreams about my motorcycle.

At the top of my motorcycle dream pile are the Buell Lightning, Suzuki RE-5, Honda CBX and Indian FTR. I started getting Lightning, then decided last week that FTR needed to join in.

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picture: Mercedes Streeter

I’ve been in love with FTR since it came out. It’s a machine like Bradley Brownell Describe As a ride it’s better than it looks, and it sure looks amazing. It will easily be the newest vehicle in my fleet.

I could have gotten a used FTR from Facebook, but decided to get a new one. The new 2022 FTR 1200 Championship version from the factory floor sounded like a really cool idea. Its red tire and wheels drew me like a gnat to the porch light.

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The adventure began on Tuesday when my fiancée, Cheryl, drove me to the local Indian Agency. On its floor there was one FTR 1200 at the base. I was able To put some miles on my new odometer and I couldn’t stop smiling. Even this base model was everything I thought it would be. It reminded me of my Boyle, but with a hold-The latest technology, more power and agility. On my return to the agency, we were given the right to order the Championship Edition.

Now, I will admit that my balance is not the best. In the past, close relatives have used my credit for things they didn’t pay for (including the house) and I’ve been recovering since. Tuesday was pretty average. At the time, I was only disappointed that I would have to wait until July for my new bike.

The first sign that the week was going to be long was when the agency’s chief financial officer came in and told us his systems were down. We had to go home and wait.

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I heard again just before closing time and the agent finally pulled my balance. The manager felt that before submitting to the lender, I should have a partnerThe site is just in case. Cheryl was happy to lend a hand.

We heard back on Wednesday morning, and the CFO on the other end of the call was frustrated with himself. So I explain that Cheryl’s freelance work and her lack of active accounts made things worse for me. I was better off myself, but he really burned that bridge with the lender.

With that in mind, we tried a different agency. This was a Harley-Davidson dealer in the Chicago area and proudly announced secured credit approvals. It didn’t matter to me like the fact that the dealer was sitting on a 2019 Indian FTR 1200 S with that massive red tire and just under 800 miles.

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Bradley recommended this during 2022, and I was in love. And this time, I won’t use Cheryl as a partner.Site.

It went fine at first. It took the agency all day, but their CFO called me and told me he got approved. But he was not a fan of the interest rate. He also suggested a cosigner, but said this would be different from the last agency. If Cheryl doesn’t do anything better, we can use the previous approval without issue. And my balance is not supposed to be taken out again, so I had nothing to lose.

Coincidentally, after Cheryl places her order, the agent tells us he has lost his internet connection, so her order cannot be placed. Well, winds on Wednesday were 60mph, so that made sense for us. But this was just the beginning of a long and confusing process.

On Thursday morning, the agent reported that his firewall is down and he is still offline. We called late that day and by that time the internet was back, but there was another curve. The agent was now saying they have no record of my previous approved application, Cheryl’s application submitted or any contact actually. They wondered if I was calling the right place.

Eventually the person on the other end of the line found someone who remembered us calling us earlier and decided to find out what happened, promising to call us back in minutes. The agent promised to call back in many minutes, but didn’t actually return a single call.

When he turned around on Friday, the agent was still claiming he had nothing on me.

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Surprised, we decided to appear at the agency in person on Saturday. This time, there were no internet issues but they still couldn’t find our records. The CFO asked us to fill out the applications so they could run our credit again. He promised that he can run our balance as many times as he needs in a small time frame and my balance will not go down. I was skeptical, but what the hell, the agency got “100 percent credit approval”, right?

Three hours later the CFO came up with a rejection letter. Now, we’ve read the terms and conditions of the agent’s so-called “credit guarantee” and we’ve bypassed each one of them by big margins. And about that approval you got on Wednesday? The agent said he did not know what happened there.

We came home after wasting most of the Saturday. And not only did I not leave with a motorbike, but I came home with a credit rating that was 70 points lower. Cheryl lost 80 points. Depending on the times of each difficult credit withdrawal, the first agent responded to their refusal by withdrawing our credit again. And the second dealer pulled we preferred eight times in the same day. So much for that promise. I get myself excited to even think of this idea.

The dream of FTR is not dead yet. I will do what I have done for the past six years and continue to pay cash for my car. And at least between five days of waiting I was able to find an open spot on a cyclist course for Cheryl. You will learn how to ride!