Saturday, February 26, 2005


PowerCheck received. (1) Need to get payoff quote that is valid for 15 days. Get lender's address where payoff should be sent. Be prepared to submit check before payoff quote expires.

Through Jan. 26th $12,623.04 . Address: American Honda Finance 3625 West Royal Lane no. 105, Irving, TX, 75063. Check made out

American Honda Finance Corp. Lease payment address: 470 Granby Road, Suite 2/South Hadley, MA 01075-3216/Collections no.: (800) 807 7724 #00. Customer Service Hours: Mon-Fri 9 am - 5 pm EST;

Account no.: 62966635; 2002 Honda Accord Sedan; VIN: 1HGCG66812A034522)

(2) Make PowerCheck payable to existing lender for Payoff quote amount only; place 17 digit vehicle identification number (VIN) in space provided on check; Each borrower listed on front MUST sign the check; (3) Sign payoff authorization form: write loan or acct number of existing loan in space provided; form MUST be sent to existing lender along with Check, so they will send evidence that their lien has been replaced, and enable us to list ELoan inc as lien holder on title; (4) Mail completed check and payoff auth form to current lender: lender must receive check before quote expires; Note we will be assessed one-time title transfer fee 35.00, to be added to statement written on check, and to be reflected on final note and Security Agreement. [2004-12-27] Loan application submitted to E-Loan 12/27/04. Approved. Both signatures must be on check. Blank check $13,000 max. loan. monthly payments 217.20, current 248.83. 6.19% for 72 months. Reminders: no prepayment penalties. Loan no. 21372020 cust ser 800 598 3272. bus hours 12 noon to 8:30 pm weekdays. Sat 10 to 3.

Current AHFC interest rate is 6.50% (A.P.R. per "retail purchase order" receipt 11/3/04), $2245.82 interest to be paid over life of loan. $12,683.98 was financed, $2,000 given as down payment. Last payment will be 11/18/09, so a 5-year loan.

Credit score is important in getting preferred interest rates. Mine, as of 12/04, is 735 (vs. 648 in January), above 60th percentile.

Consider 30 day free trial of credit monitoring service. Yearly subscription is $29.95. At the moment, credit card number not being accepted.

Call CapitalOne Auto Finance 1-800-304-4854. Agent says my zip code not eligible for RE-financing however. Suggests I check site and look for special offers. Might be better just to reapply through Honda with Keiko as co-applicant. Or: try E-Loan

Check Owner Link for current rate. Call 800-457-9929 M-F 9-5 EST. Call CapitalOne Auto Finance 1-800-304-4854.

New car buying guide, by Jeff Ostroff might help avoid making mistakes. Also check Kelley Blue Book for wholesale and retail values. E-Loan: is option for car financing. Best rate seems to be same as Capital One, i.e., 5.75%. Ostroff seems to agree the Eloan and Captital One are the way to go.

To terminate E-ZPass: here's their address followed by cancellation instructions:

Inquiries, Correspondence and Tag Returns:
NJ E-ZPass Customer Service Center NJ E-ZPass Customer Service Center
P.O. 52002 P.O. Box 52003
Newark, NJ 07101-8202 Newark, NJ 07101-8203

You may terminate this agreement at any time by returning all of your E-ZPasstag(s) to us in good working condition except under normal wear. Tags should be returned to the New Jersey E-ZPass Customer Service Center in person or by certified mail. Customers damaging or defacing a tag through misuse or abuse will be required to pay the full cost of the tag (minus any tag deposit). This includes pencil, pen, permanent marker, stickers, and any other writing or marking whatsoever. Tag(s) will remain New Jersey E-ZPass property under all circumstances. Upon termination and return of your tag(s), your account balance and tag deposit will be refunded to you. All outstanding charges will be deducted prior to refund. You agree that we may terminate your E-ZPassaccount for improper use at any time, and without notice.

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