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 > Your search for posts made by 'westernrvparkowner' found 447 matches.

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RE: Signing a power of attorney for bank when selling your RV

Then that transaction was not actually an auto loan where there was to be a lien placed on the auto. It was a personal loan of some type where you used the funds to purchase a vehicle. These transactions happen all the time when the bank doesn't want or doesn't need to perfect a lien. Almost assuredly it was a bank where you have a long standing and good relationship where the security of a lien on the title was unnecessary. It was. I had a preapproved loan. I went to the dealership and they wrote up the documentation. I took that to the bank. They then gave me the cash and I went back to the dealership to finalize the transaction. The bank had the documentation for the lien on the title before giving me the money. Had I reneged and not paid the money to the dealer, then the bank would have gone after me for the money.Must have been a cheap vehicle or the bank did no one any favors. They put you out on the street with a large amount of cash. They put the dealership in the position of having to process a large amount of cash (and take on the risk of counterfeit bills, as well as the physical risk of having large amounts of cash on premises) and requiring them to file a form 8300 (cash transaction of $10,000 or more) with the IRS. That wouldn't be a benefit to you or to them. Many businesses will not accept large cash transactions exactly because of those two issues.
westernrvparkowner 11/13/19 07:12pm General RVing Issues
RE: Signing a power of attorney for bank when selling your RV

The check is going to be made payable to the seller. It is sent to the buyer so they can exchange it for the RV. When a bank makes a loan for a vehicle they never, ever just give cash or a check payable to the borrower and hope they then complete the transaction. With enough imagination, it is possible to concoct a wacky scenario were any transaction could be a fraud. Even "meet me at my bank and I will give you cash" could just be a trick to steal your RV when the buyer's accomplice is waiting outside to bop you over the head and steal back the money. In this case, it sure sounds like the OP has investigated it enough to know the transaction is legit and I think they would be walking away from a sale should they resist following the steps the bank is providing. Many years ago, I was selling a trailer, (Not RV) and a friend was selling another. The buyer met us at a local bank where both sellers had accounts. Buyer had a cashiers check drawn on his bank couple hundred miles away, made out to himself. Banker made some calls to bank, credited my and friend's account, we signed titles, banker notarized, went to lot, hooked trailers to his trucks, had a round of beer. All was good for about 3 weeks, until the banks figured out the buyer had copied the check. My friend went to the Sheriff in buyers home county to make a report, was told it was a civil matter, hire a lawyer and sue. (Might of been a racial issue, I might of had better results) Nearly bankrupted my friend. Was enough outlaw in me to get my trailer back, but bouncing checks still cut me deep. WRVPO, Not all financing results in a bank written check made out to the seller. My last car loan, they deposited the funds into my account and I took it out in cash to pay the seller. .Then that transaction was not actually an auto loan where there was to be a lien placed on the auto. It was a personal loan of some type where you used the funds to purchase a vehicle. These transactions happen all the time when the bank doesn't want or doesn't need to perfect a lien. Almost assuredly it was a bank where you have a long standing and good relationship where the security of a lien on the title was unnecessary.
westernrvparkowner 11/13/19 12:37pm General RVing Issues
RE: Signing a power of attorney for bank when selling your RV

Many (Most) car dealers have you sign a POA when you trade in your old car. It is in all the other stack of papers. If the bank is going to give you the check within a few minutes of signing the POA, no problem. But if it is a few days????????? yes, that's standard procedure when trading to a dealer AT CLOSING. But, like I've said the lender wants the POA executed before issuing and sending the check out. I figure is will be at least a several days before I will see a check... They are sendng the check to the buyer and in turn he will give it to me at wich time im required to give him the titleSo what happens if the buyer all of the sudden decides he wants to buy something else with the check and sticks this financing company? They have POA over your title - you loose. I googled this company - they don't lend any less than 15K so that's a big sum to be burning a hole in your pocket. and why don't THEY want possession of the title? Instead they are letting the seller posses the title? I'd tell the guy to either deal with a bank that you can actually go to -or go somewhere else. Sure, you want to sell it - but don't get swindled.The check is going to be made payable to the seller. It is sent to the buyer so they can exchange it for the RV. When a bank makes a loan for a vehicle they never, ever just give cash or a check payable to the borrower and hope they then complete the transaction. With enough imagination, it is possible to concoct a wacky scenario were any transaction could be a fraud. Even "meet me at my bank and I will give you cash" could just be a trick to steal your RV when the buyer's accomplice is waiting outside to bop you over the head and steal back the money. In this case, it sure sounds like the OP has investigated it enough to know the transaction is legit and I think they would be walking away from a sale should they resist following the steps the bank is providing.
westernrvparkowner 11/12/19 02:53pm General RVing Issues
RE: Horrible Good Sams/ Bank of the West Financing

You did but no mention of what or how it would be delivered. The rate was down for a couple weeks and instead of honoring it as a good customer service company would have done you ignored or delayed a response until the rate went back up. We are just going to have to agree to disagree.And that "goodwill" gesture was a waste of time and money. Most people realize the rate you get when you consummate a deal is the rate you get to live with. You signed the documents and took the money, most likely without a gun to your head. Own your actions.
westernrvparkowner 11/12/19 11:59am Good Sam Club
RE: Signing a power of attorney for bank when selling your RV

The "bank" is protecting itself from the buyer, not the seller. If the buyer gets control of the clean title the lender has no protection.There are three entities in the transaction. The buyer, the seller and the bank. Of the three, the only one I would trust 100% is the bank. They have nothing to gain and everything to lose if the transaction turned out to be fraudulent. You can't say that about either the seller or the buyer. These forums are full of threads about how fraudulent sellers and buyers are trying to con the legitimate party out of their money and property. While it is certainly possible for a scammer to pose as a lending institution, an actual bank or finance company isn't going to aid and abet in the theft of an RV. What they will do is take an active roll in preventing such a theft. Not because they care that someone got scammed, but because if either the buyer or the seller gets scammed, the know the loan isn't going to be repaid and that is their loss.
westernrvparkowner 11/12/19 07:52am General RVing Issues
RE: Signing a power of attorney for bank when selling your RV

Im in direct contact witht the finance company. Loan is approved but they want the POA before they issue the check, which will be sent to buyer to then be given to my. Unfortutnatly there is no "bank" to actually go to. I will be back in contact with the lender tommorow. I told them i will hand over the notorized a POA along with the title upon receipt of the check. I dont see why they say no, when they are trusting their borrower to give me the check and him to collect the title from me. Last convertaion they said thats against company policy. I will try again tommorow to reasonably work this out with them.Classic chicken and egg conundrum. The lender wants all the paperwork completed and in their control before they release the money. You want the money before you give them the paperwork. Compounding it even more is there is the buyer who is supposedly getting the check. You apparently have done your due diligence and determined the lender is legit and they have confirmed they have approved the buyer for the loan. To me, I wouldn't have a problem sending a limited Power of Attorney directly to the lender provided I had talked to them personally (at a phone number that came from a trusted source, not the buyer) and confirmed the entire deal is approved and this is how they want it handled. Then I would further request that information be confirmed in writing. The rig and actual title wouldn't pass to the new owner until the money is in hand. Without the title, the limited POA is just that, very limited.
westernrvparkowner 11/11/19 02:34pm General RVing Issues
RE: Anyone attending blythe bluegrass festival 2020?

Blythe pretty much a homonym to blight which is what you get in Blythe. Personally, I would rather walk through a lion's cage wearing pork chop panties than stay in Blythe, California. I'd get my grass, blue or otherwise, elsewhere.
westernrvparkowner 11/10/19 08:13am Rallies, Shows and Gatherings
RE: How big is the market for Dinghy Towing?

Apparently not big enough that the auto manufacturers are concerned about capturing those sales. Seems that the list of vehicles that are flat towable gets smaller each year.For an auto manufacturer, it would be an insignificant number. First, people have different needs in their toweds, so that would fragment the market into many even smaller pieces. Some people would want a people carrier, some would want off road capabilities, some would want something sporty, some just want economy. Personally, I tow a pickup with an ATV in the bed. On top of the market fragmentation, many people don't want to tow and abuse a new car, so they buy used. I don't believe many manufacturers actually build vehicles with a concern that the second or third owner may need to significantly change the usage the vehicle was actually built for. Then don't forget that some of those new sales are replacements for existing RVs by people who already have a towed. Finally, as previously mentioned, there are other methods of towing vehicles besides flat towing. Can't see any way the dinghy market is anything a manufacturer would concern themselves with.
westernrvparkowner 11/10/19 08:04am Dinghy Towing
RE: Kitty litter: How do you dispose of it while on the road?

Over the years we have had several guests that felt the best disposal methods were: 1. Just dump it out on the grass (bad) 2. Just dump it on the gravel pad (very bad) 3. Dump it down the sewer drain (exceptionally bad and costly) Just put it in a plastic bag and put it in the regular trash.
westernrvparkowner 11/09/19 02:57pm RV Pet Stop
RE: Want an electric truck?

For me, an electric truck would have to preform nearly equal to my GMC 2500. I could sacrifice 20% in range, provided I could refuel completely in no more than triple the time I can refuel a gas truck. I coulg justify a price premium. But I couldn't accept any decrease in payload and towing capacities. And those range requirements have to be met under the most adverse condItions relating to loads and weather.
westernrvparkowner 11/07/19 02:35pm Truck Campers
RE: Dont discuss GS

It appears that someone from Good Sam monitors active posts that are directly related to Good Sam Services. It makes sense to me to close those posts after a day or two of inactivity, since it takes a responsibility off of an employee's plate freeing them to do other tasks. I the example the OP posted, two days had passed since the last post. That would mean that thread would no longer appear in the active post search which is a reasonable criteria for a thread to be considered inactive. There are better things to whine about.
westernrvparkowner 11/07/19 11:28am Good Sam Roadside Assistance
RE: Full-time in the Arizona heat

Has anyone stay full-time in an RV park in Arizona during the heat of the summer if so what did you do to stay comfortable?Have air conditioning, and lots of it. Be prepared to pay a pretty penny for electricity. An evaporative cooling system might also help.
westernrvparkowner 11/05/19 04:14pm Full-time RVing
RE: I take back all the good stuff I've said about Les Schwabs!

You can thank the proliferation of lawyers and lawsuits for things like you encountered. A business taking on vehicle repairs and not replacing all the components in a system would likely be exposing themselves to an increased risk of being sued should that system fail. I don't think it is a Les Schwab problem, but rather an industry problem. Good Luck
westernrvparkowner 11/05/19 04:04pm Tow Vehicles
RE: Horrible Good Sams/ Bank of the West Financing

I mean no criticism to anyone but seems like a good time to put in a plug for having a goal of being debt free. This would mean no RV, car or anything else unless it can be bought for cash. We 1st accomplished this around 15 years ago by using some savings/investments to pay off an ill advised home equity loan that had been used to buy a truck and 5th wheel. I begin to see that the loan was rediculous as we will never get it paid off before the value of the stuff is less than the loan balance. We've never looked back and have since purchased a 10 year old MH and 2 used cars; no loans. The benefit just multiplies because you can save or use all that cash that was going for payments and interest. We are seriously not wealthy so it is possible.Different strokes for different folks. Many people would consider me wealthy since my net worth in in the upper 5% of the US population and the proper use of credit was absolutely instrumental in accumulating that net worth. The credo of never having debt that has been perpetuated primarily by Dave Ramsey is nothing but an offshoot of Alcoholics Anonymous, Gamblers Anonymous and Narcotics Anonymous. Some people absolutely need those type of organizations and programs. Others, however, can have a beer or glass of wine, can enjoy a visit to a casino or take a pain pill to alleviate a toothache. Same with credit. It can open many doors and opportunities that otherwise would be out of reach.
westernrvparkowner 11/05/19 03:57pm Good Sam Club
RE: Horrible Good Sams/ Bank of the West Financing

Just a fact of life with any large company. Titles held by banks (and in many states the bank does not hold the title) are centrally filed along with acres of other paperwork. The nameless gofer who retrieves those titles isn't going to bump anyone to the top of the list, isn't going to work faster than their normal pace, aren't going to skip lunch or breaks to get that title out quickly. Plus, the authority to release that title isn't going to occur instantly. It will go thru channels with all the other gigabytes of information transmitted every day. To me, getting a title in three weeks would be an unexpected bonus outcome.
westernrvparkowner 11/05/19 11:31am Good Sam Club
RE: More campers than parks

this thread makes me very scared of what is ahead for my husband and I. we are putting our home up for sale in the spring and plan to buy a DP and live full time for 6 months or longer before relocating from MI to TN. Since we will not be able to start this adventure before we sell our house we have no idea on when it will start so trying to book far in advance is going to be a big problem. Our hope is to be on the road by August and spend time first in CO then move on to UT. I hope we are not homeless with a MH and no where to park itNothing to worry about. It is simple to make reservations for places that are destinations for you. You don't just accidentally end up at Yosemite or Grand Teton. There is plenty of availability throughout the country with very few exceptions if you have even a day or two advanced planning. In the unlikely event your destination plans intersect with an abnormal event (i.e. you want to stay in Sedalia, Missouri and it is the week of the state fair, hence no availability) changing your destination a few dozen miles should suffice. Major holidays are known far in advance, so don't plan to travel without reservations on or around the 4th of July. Employ a dose of common sense and you will not be without a place to stay.
westernrvparkowner 11/05/19 09:14am General RVing Issues
RE: Texas couple killed

Fords were popular trucks to steal because they had the simplest ignitions of the big three to bypass until electronic interlocks were finally added. Older Toyota's and Honda's are desirable theft vehicles for the same reason Ford trucks were. I'm surprised how easy it is to take a vehicle out of the country that does not belong you. The border crossings should be a good filter preventing international thefts - If you do not own the vehicle, you should have a legal document from owner allowing your use. There should be no question who these two people are that crossed the border unless the documents were forged - It may be difficult to track down the person, but the identity should be known.Who would you empower to investigate and enforce those inspections? US Customs has no contact with anyone leaving the country, any current inspections are done by the customs departments of the countries being entered. Not sure Mexican and Canadian Customs have or even want the ability to examine the authenticity of vehicle titles and ownership. Since apparently these vehicles are taken directly to Mexico after the theft, they are likely not reported and entered into any data base as a stolen vehicle by the time the border is crossed. Adding exit examinations to US Customs duties would essentially require doubling the agency all in an effort to find a few stolen trucks. Probably not a good use of resources. As for Mexico, they have bigger problems to solve before they get down interdicting stolen vehicles.
westernrvparkowner 11/05/19 09:03am Tow Vehicles
RE: Texas couple killed

And people who do drugs often say that they aren't hurting anyone else, but there is a whole host of people hurt and killed just to get those drugs in their hands. But if the folks that want to do drugs could walk into the store and buy what they wanted? Where would the Cartel power come from? I understand history is evil, but look at the growth of organized crime in the time alcohol was illegal? Then look at the rights we have given up because of the war on drugs.There would be even more deaths and crime if all drugs were legalized. Just look at the opioid crisis today. That is a quasi legal drug situation. If opioids were available over the counter even more people would be addicted and consequently more would OD and die. To this day I believe the fact that drugs like cocaine were always illegal were a factor in keeping people like me from being a user. When something is illegal, that is enough of a deterrent to keep a whole lot of people from doing things that are stupid and harmful.
westernrvparkowner 11/05/19 08:46am Tow Vehicles
RE: FCA To Merge With PSA

Was in a GM dealership that also sold Peugeot when the Peugeot sales manager exclaimed that Peugeot had just won the Paris to Dakar Rally. The service manager chimed in with "They must have had the fastest wrecker in the race."
westernrvparkowner 11/03/19 11:21am Tow Vehicles
RE: More campers than parks

You're in a very populated area. Go north into Oregon or east into Nevada and you'll find all kinds of wide open spaces to camp in and explore. Forget about Idaho, though. Nothing to see there but potato fields. What??? You just killed our spring plans! Twin Falls and onwards.:( Not to worry ,they are just trying to keep people out of Idaho, its a beautiful place. I know, we just passed by Idaho on the way from Yellowstone. This time we are taking the time to camp and see the sights. I have a question or Utah though. Do you have something against Californians? My daughter and son was driving at the same speed along your highways. My son has a Nevada license plate while my daughter has California. Guess what, it was just my daughter who got the speeding ticket (there was even no speed limit posted).So your whole family is a bunch of speeders? I would be willing to bet there was a speed limit sign, they just missed it. My bank account appreciates the fact they can't stop all the speeders, all the time. Think of it as a reverse lottery, your son won and your daughter lost.
westernrvparkowner 11/02/19 12:15pm General RVing Issues
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