hi marblepillar..

reading everything before agreeing or signing something especially contracts is the best way to keep out from any fraud or misunderstanding of any transaction you are making..

i do personally have experienced such case before and i learned from it. from that time, i gave more time reading on agreements, policies and other stuff just to make sure i don't get into trouble soon..

Just called VFC now TD the other day because my loan is due to be paid off in August 2010. I called to get my early buyout price, then inform me that my final payment is August 30/10, I said that doesn't sound right - so the guy pulls up my contract and says it says right here your final payment is due August 15/10....I said did you just hear yourself. I get put on hold and they come back on to apologize and say they are going to cancel the aug 30/10 payment but no way to calculate an early buyout now because of this.

Sooo, make sure you read the contract cause they may try and stiff you with an extra payment like they did me -- and they are making more than enough off us already!

With some customers I noticed that the vehicle cost went from $14,000 to $29,000 after all of the charges and interest rates were calculated.

This customer was paying 19.99% interest and had to pay a ton of service charges because of his bad credit.

You could possibly pay up to 29.9% interest rate on your vehicle with VFC Inc.