Credit Union On Line

I'm working part-time, looking for a second job, but need money for a car and probably can't take out an auto loan.
(I'm young and don't know much about this stuff)

You will need things like an acceptable credit rating and the disposable income to be able to make payments required if the maximum amount were borrowed. Disposable income is what left after paying all other regular monthly bills (rent or mortgage, credit card, auto).

These happen to be the same things that you need to get a car loan.

You should have a better chance to get a car loan than a line of credit loan for enough to buy a car because, with the car loan, the lender will have the car title as security. Your credit union makes car loans.

Talk to them about what you would be able to borrow, before you go shopping for a car and you will learn just what you can spend.

And if a dealer tries to talk you into a zero (or very low) percent loan, find out what "cash back" you could get instead and take that information back to the credit union so they can explain why it is a bad deal compared to their loan.

2008-08-07 09:06:11 by Arthur

Fiserv (FISV) announced today that it has purchased Credit Union On-Line, a credit union service organization that runs an outsourced version of ...

I Tried to access my account from the url address the representative gave to me on the phone but, I am not getting any results.

The site may be down either for maintenance or due to another problem. Call customer service and they will help you establish an account.

2007-08-31 16:02:24 by Glocoat

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I use a business credit card!!
Amber Dickson

2009-02-05 14:46:08 by Nava { RIP El-Tano }

I sold a townhouse I had financed through the credit union around April 2004.
I don't own real property at this time.

They have not updated their file to indicate that you no longer own real estate. That is why you received that notice of pre-approval. Most CU are unmanned and you have 1 person working in different departments. I work with one CU that has a member base of 11K members and only have 20 people working to service that base.

2006-04-12 13:42:37 by albo888888

I posted a question about this about a week ago, but am not getting anymore answers, and have found additional info.

I got a letter from VanCity stating that my original line of credit agreements (I have two, one secured) did not allow them to raise the incremental interest rate. Therefore, they enclosed two amendments to sign allowing them to change the incremental rate up 1% and allowing for additional increases any time they want. The worst of it is, they've put in the amendments that they can change any provision in the agreements at any time. Meaning, they can start tacking on additional fees, lower the amount etc. The letter goes on to say if I don't sign and get these amendments back to them by July 21, 2009, they will close down (demand payment) the accounts. One is my mortgage.

I have just contacted a lawyer, and he said because there is no additional consideration offered, the amendment is voidable. I would have to sign the amendments and then ask them to void them. If they won't, then I would have to take them to court.

I'm thinking this would be best as a class action suit because every member with a line of credit issued prior to March/09 was sent this letter and amendments.

Can anyone confirm, or deny what this lawyer said? What is the best/easiest way to get VanCity to reverse this for all members?

Hi, we also got this amendment letter from Vancity. We were so outraged that we couldn't believe how they would expect their
long term customers to sign this. We have been with Vancity for over ten years. So far we have refused to sign and we are waiting to see if they are going to proceed with their threat to take action on our line of credit. Definitely, we will go and get a lawyer to fight this. If anyone else want to start a class action suit, I will be really happy to join. I am quite busy at this moment, but we may be upset enough if they keep pushing us to sign this amendment that we will take this to the highest court,and Vancity's image would be totally
tarnished. They won't have any credibility if they think they can
force people to sign a very one sided, heavy-handed agreement like this. I hope there will be enough people out there strong enough to stand up to Vancity

2009-07-07 19:03:53 by Sparkybc