Lassen Forge
Well-known member
I''ve heard they could tell you if a box was paid for or still had payments due...
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CoThG's Toolbox question thread
- Thread starter CoThG
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Firebrick43
Well-known member
I have witnessed coworkers buying a box off and SO credit telling them there was no lien on it anymore.Actually, there are many posts here stating that is not the case. SO credit will not tell you if a particular box is paid off or not since you are not the borrower.
They probably wouldn't tell you what the payment or payoff was. A lot of privacy type laws depends on how the question is asked.
That's what SO wants you guys to believe, that there is actually a lien on the box, when legally the box doesn't have a title and is unsecured debt. The original purchaser can do with it what they wish, they alone are responsible to pay SO for the balance due on their loan.I have witnessed coworkers buying a box off and SO credit telling them there was no lien on it anymore.
They probably wouldn't tell you what the payment or payoff was. A lot of privacy type laws depends on how the question is asked.
Firebrick43
Well-known member
Its called a security interest lien, the debtor agrees to it in the contract. Just because its not titled has nothing to do with it. If SO does its job correctly it will submit a UCC-1 filing
These types of liens are pretty common. Everything from rent to own furniture, rented water softeners, company owned propane tanks has UCC filings to ensure the person in possession doesn't abscond with the property.
Boxes, at least new ones, are through snap on credit. The boxes have serial numbers
These types of liens are pretty common. Everything from rent to own furniture, rented water softeners, company owned propane tanks has UCC filings to ensure the person in possession doesn't abscond with the property.
Boxes, at least new ones, are through snap on credit. The boxes have serial numbers
LS6 Tommy
Well-known member
I was that guy. Made my living for two different Exxon owners with a Craftsman top/bottom combo Grandpa gave me when I was 12. STill have the same tools, they're just in bigger Craftsman boxes now in my garage. I have two Snap On tools, a Blue Point carb adjusting tool, and a Snap On obstruction wrench I got a t a garage sale.Seen plenty of techs refuse to join the rat race of snap on boxes...
I'm not anti Snap On, but I also don't buy cheap tools and a fastener doesn't know who made the wrench...
They'll know if you round off their corners by using a cheap tool...I was that guy. Made my living for two different Exxon owners with a Craftsman top/bottom combo Grandpa gave me when I was 12. STill have the same tools, they're just in bigger Craftsman boxes now in my garage. I have two Snap On tools, a Blue Point carb adjusting tool, and a Snap On obstruction wrench I got a t a garage sale.
I'm not anti Snap On, but I also don't buy cheap tools and a fastener doesn't know who made the wrench...
JABgj
Well-known member
My Harbor Freight wrenches only round off cheap bolts.
Jeepster04
Well-known member
- Joined
- Jun 25, 2013
- Messages
- 3,092
This may be an interesting thread....
I know it varies, but typically, how far behind do you have to be before the tool truck guy starts hunting you down and/or threatens to repo your box and tools?If you're hiding from the tool truck guy, you've missed more than a few payments... Everyone I've ever dealt with is pretty flexible.
Wrench97
Well-known member
I had a kid that would head out for the parts shed in the back yard when the Snappy man showed up, he'd look around and out back we'd say yep and out the back door he went.....................
Did he have a box he was behind on?I had a kid that would head out for the parts shed in the back yard when the Snappy man showed up, he'd look around and out back we'd say yep and out the back door he went.....................
Lots of things that don’t have a title have a lien on them. Tractors, construction equipment, the pizza oven at your local pizzeria, etc etc.pThat's what SO wants you guys to believe, that there is actually a lien on the box, when legally the box doesn't have a title and is unsecured debt. The original purchaser can do with it what they wish, they alone are responsible to pay SO for the balance due on their loan.
Wrench97
Well-known member
No he never got that far along, he was still trying to fill a Husky box......................................Did he have a box he was behind on?
Did you point out to the Snappy man where he was hiding?No he never got that far along, he was still trying to fill a Husky box......................................
2ndGearRubber
Well-known member
If you're hiding from the tool truck guy, you've missed more than a few payments... Everyone I've ever dealt with is pretty flexible.
That's what I tell people. Don't have it? Just tell him that. BS and games make people not like you.
Beauregard
Well-known member
If he's hiding from the tool truck guy, he's got a lot of other creditors hounding him too. It's so easy to get behind these days with mortgage/rent payments, multiple $1k car payments, and credit card payments. Then something breaks or unforeseen medical emergencies happen and it all starts to cave in. I'm SO glad I'm not raising a family in this economy.
I try preaching about living below your means and having a long-range family budget to my kids, but it's an instant gratification, keep up with Jones's society we live in.
I try preaching about living below your means and having a long-range family budget to my kids, but it's an instant gratification, keep up with Jones's society we live in.
alfadan
Well-known member
Why are there three threads like this?
isb cornbinder
Well-known member
I worked for a company with over 100 tradesmen. Our MAC guy got cancer, after in a few months, he succumbed to his cancer. His wife stopped by the shop to fill in the details. She said that her husband was owed few thousand dollars and asked for the best way to collect. Another mechanic and I offered to make the collections. All but two paid up immediately in full. The other two said f' him, he is dead and refused to cooperate. Dan and I split the bill. The I went to the tool boxes of the jerks and took the tools that had been charged out and not paid for. "**** hit the fan", so to speak. I did not back down. With all but two guys on my side the peer pressure must have been an influencer.
It took only a few days for one of the guys to pay. The other guy came up with the money in a month. I returned the tools to where I got them. It was not a big deal, really. Just the right thing to do.
It took only a few days for one of the guys to pay. The other guy came up with the money in a month. I returned the tools to where I got them. It was not a big deal, really. Just the right thing to do.
scooby074
Well-known member
This thread feels very qqjz-ish
Ive never hid from the driver. I actually made a point of not buying what I couldnt afford. I only ran with under $1k owing on the trucks at all times.
I only remember one guy who'd make a point of being out when he came. Never got to the point of a repo though.
Ive never hid from the driver. I actually made a point of not buying what I couldnt afford. I only ran with under $1k owing on the trucks at all times.
I only remember one guy who'd make a point of being out when he came. Never got to the point of a repo though.
mike93lx
ALLIANCE MEMBER
What is this, school yard tattle tale?If you had a co-worker obviously hiding, would you point out to the tool truck guy where he is, in order to stay in good graces with the tool truck guy?
2ndGearRubber
Well-known member
This thread feels very qqjz-ish
Ive never hid from the driver. I actually made a point of not buying what I couldnt afford. I only ran with under $1k owing on the trucks at all times.
I only remember one guy who'd make a point of being out when he came. Never got to the point of a repo though.
I once owned 3 tool trucks money, like ~$30/week each. This was in the early 2010s. That taught me REAL fast to not buy what I couldn't afford. It was within my means to pay all of that, but I certainly noticed it.
2ndGearRubber
Well-known member
If he's hiding from the tool truck guy, he's got a lot of other creditors hounding him too. It's so easy to get behind these days with mortgage/rent payments, multiple $1k car payments, and credit card payments. Then something breaks or unforeseen medical emergencies happen and it all starts to cave in. I'm SO glad I'm not raising a family in this economy.
I try preaching about living below your means and having a long-range family budget to my kids, but it's an instant gratification, keep up with Jones's society we live in.
People say I don't know how to live. I certainly spend a lot on tools, but I want to save and have a safety net. It's very liberating to be financially secure.
Seems spammy....Why are there three threads like this?
I have no idea as I always pay my bill.I know it varies, but typically, how far behind do you have to be before the tool truck guy starts hunting you down and/or threatens to repo your box and tools?
isb cornbinder
Well-known member
I had an opportunity to speak with one of the big union leaders, in Canada. I suggested that one area where union has failed is teaching members about money management. I was a member of that union for 40 years plus. The contract negotiations always paid better with each negotiation. There was always a bunch of members, many of them were the same members, who got into money problems, year after year. The vast majority were able to stay out of debt, put money away and raise a family.This thread feels very qqjz-ish
Ive never hid from the driver. I actually made a point of not buying what I couldnt afford. I only ran with under $1k owing on the trucks at all times.
I only remember one guy who'd make a point of being out when he came. Never got to the point of a repo though.
zkdiesel
Well-known member
Snap on hides from me
I have a photo of him in a compromising position that gets me dealer cost on all items.
I have a photo of him in a compromising position that gets me dealer cost on all items.
scooby074
Well-known member
Very true. Financial literacy in Canada is horrible.I had an opportunity to speak with one of the big union leaders, in Canada. I suggested that one area where union has failed is teaching members about money management. I was a member of that union for 40 years plus. The contract negotiations always paid better with each negotiation. There was always a bunch of members, many of them were the same members, who got into money problems, year after year. The vast majority were able to stay out of debt, put money away and raise a family.
There is nothing wrong with credit, so long as you understand you need to pay it back, even if that means self sacrifice.
I learned to be careful with a dollar early. Tried to teach my kids the same. One thing I found that was a great way to teach kids the value of a dollar was grocery shopping. As soon as they were able, we sent the kids to do the shopping, alone, with a budget to stick to. They learned the real cost of feeding a family and just how hard it is to stretch a dollar.
No, but I bet the tool truck guy wouldn't be giving you any deals if you willingly didn't tell him where the deadbeat mechanic was hiding.What is this, school yard tattle tale?
2ndGearRubber
Well-known member
Very true. Financial literacy in Canada is horrible.
There is nothing wrong with credit, so long as you understand you need to pay it back, even if that means self sacrifice.
I learned to be careful with a dollar early. Tried to teach my kids the same. One thing I found that was a great way to teach kids the value of a dollar was grocery shopping. As soon as they were able, we sent the kids to do the shopping, alone, with a budget to stick to. They learned the real cost of feeding a family and just how hard it is to stretch a dollar.
Financial literacy is horrible.
Here, there, everywhere.
isb cornbinder
Well-known member
I Googled qqjz-ish and I was not able to find a definition. Please help.This thread feels very qqjz-ish
Ive never hid from the driver. I actually made a point of not buying what I couldnt afford. I only ran with under $1k owing on the trucks at all times.
I only remember one guy who'd make a point of being out when he came. Never got to the point of a repo though.
mike93lx
ALLIANCE MEMBER
A user that got banned in September that liked to stir the potI Googled qqjz-ish and I was not able to find a definition. Please help.
mike93lx
ALLIANCE MEMBER
Potato pohtahto, justify it however you want.No, but I bet the tool truck guy wouldn't be giving you any deals if you willingly didn't tell him where the deadbeat mechanic was hiding.
Even my 8 year old knows not to tell unless someone is in danger
No. I'm genuinely interested in stories about repoed boxes. You hear internet lore but I'd like some first person stories.Seems spammy....
lakelandcat
Well-known member
- Joined
- Sep 25, 2017
- Messages
- 7,327
I had a Matco truck and can tell you it's no game. I was forced out of business because economy sucked so bad. When I got out I count myself lucky because I was only owed 12k. I knew toolmen that were owed 250k and couldn't get out because they were owed so much. I had mech. have their wives tell me they were dead to filing bankruptcy. If I had $25 everytime someone told me I have to catch you next week I would still be in business.