(04-03-2024, 07:33 PM)NYC4jags Wrote:

(04-03-2024, 06:35 PM)Lucky2Last Wrote: So, you're saying that hyperbole is a great substitute for intellectual integrity. As long as it's the correct political opinion. Sounds great.

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No, dip [BLEEP] 

I'm calling you a disingenuous prick for trying to protect the rep of a criminal because you don't want to call Hankey  a loan shark - even though he is absolutely a [BLEEP] loan shark 

Having a whole building of enforcers that begin harassing "clients" when they are one day late on their 20% loan that should be 5% - threatening to come claim their assets from them is indeed the equivalent of a loan shark in the modern parlance. 

But why should I be surprised that your mental midgetry required me to break it down like this??

[BLEEP] moron

You're consumed by your hatred of Trump to the extent that you're unable to look at the facts objectively.  You call him a criminal, but what criminal offense has he been convicted of?  

The commonly held definition of "loan shark" is an illegal lender, charging an exorbitant rate.  Hankey's auto-finance company is legally established and operating.  It charges rates that are average for the industry, among dozens of competing firms, Lending Tree, Capital One, AmeriCredit, etc.   Are these companies also loan sharks?

The "enforcers" at these companies don't actually break legs, which is probably why they're just called collectors.  Yes, their first contact is typically a phone call when payment is delinquent.  Why is a collection call from them any different than a similar call from Bank of America or Wells Fargo?  

Was the 5% figure a number you just pulled out of the air?  In today's market commercial rates start at about 7.5%, even with an 800 FICO.  FYI Wall Street Journal prime is currently 8.5%, yet you think these people should be at 5%?  Here's a couple fun facts, 30%+ of sub-prime auto loans ultimately end up in repossession and 70% are driving without insurance.  What do you think a fair interest rate is? 

BTW, that 20% is an annual rate.  If the finance company is a single day late making it's FICA withholding payment, the IRS assesses a 10% penalty.  10% for one day...............now that's what I would say qualifies as "loan shark"!

Trump had to get the money/bond from somebody, who would you have preferred?  Would you feel better if Musk or Bezos had just written a check?

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