when i got the s2k in 10/08, i had to have a cosigner due to me not having a credit history. i mean i make the payments and all, but i drove the car home. we agreed on a down payment amount, but we finished the contract and i left without ever giving them any money. they came back a week later saying the contract had to be re-done with my cosigners name first, as they had the credit history for loan approval. so we did that.

then another week later i got a phone call saying they never got my down payment and cant do the loan without it. i guess i had a free ride for a couple weeks and coulda dogged the fuck out of it before giving it back, but after all i wanted the car and just came in and paid it.

but i guess if the loan doesnt go through, they can send their repo guys out lookin for you, or you can give it back. im just wondering what would happen if you canceled your insurance, wrecked it on purpose and leave it, and say it was stolen. not saying thats a good idea, but just curious, since the contract never went through the bank.