The prices are the same or less on the truck than the website.. again not sure where you're getting that from?
ANY manufacturer marks their tools up at least 50% before selling to the public. You think gearwrench and sk sells on their website for a 5% margin?
And I highly doubt using your tools as collateral is legal. Agains sounds like a bunch of rumors that you heard from someone and have never been a truck customer. Something you brought on credit yeah they can repo that. They can take your scanner back you brought on snapon credit but they're not going through your box and picking tools out to sell. That isn't going to happen.
Ok, lets use a little common sense here - shall we??
Yes, the prices are the same on the trucks as they are on the website (promos excluded), and I explained to you WHY that is... no, other companies are not selling at a 5% markup, which is why you should ask yourself why the tool truck guys sockets cost 4x as much as the non tool truck brands.. it does not take NASA level engineering to create sockets, and they are not made out of precious metal either - so what do you think all that extra cost is supporting? Hmm, maybe a big part is the truck service itself? While you keep saying "umm, the prices are the truck are usually even cheaper than the website", then where is the money coming from that pays all those people?
If you sign up for credit, and you buy a $20,000 toolbox that you will spend the rest of you life making $50 payments on, when a few years go by, and that box is not worth what the balance on the account is, more items had been added to the balance, and in the scenario that someone backed a truck into the side of that box - IF - and I said "IF" you stop payments, do u think snap on is gonna sit down with an itemized list and say "ok, those wrenches he added onto the balance were probably paid for by now, and those sockets were probably paid off by now, and oh well I guess that box is only worth 30% of what he paid for it now, so that's just our ****** luck, so I guess we're just out the rest of that money"... no, they are gonna come and lay claim to that box, anything that says snap on inside it, repo it, and start selling everything at a discount until the balance of your account is settled, and then hand you a check for $200 and say "this is all that was left over after we sold all your used **** at 1/4 of the price of what you paid for it". Same thing with a scanner. If you buy a $10,000 scanner, and default on that credit, beat the living hell out of the scanner, do you think you're gonna just hand back a beat up, outdated scan tool and say "ok guys, dept settled, now excuse me while I use these nice new shiny wrenches that I paid cash for last week off your truck."
If you're gonna sign these papers, and make jokes about me "not having a truck account" (as if that's a bad thing for me), post smiley faces as if you actually know what you're saying, you should really know how all this stuff works... snap on is not in the business of loosing money. If you pay off half your mortgage over 15 years, the bank isn't gonna come say, ok you can have the kitchen and bedroom, and we'll take everything else.. they say, thanks for the $300,000 house, we'll sell it for $180,000 and have our money back in a month, nice doing business with ya...
Maybe you should ask yourself just why they are so willing to hand out so much stuff with minimum payments.. why do you think they'd sell a kid making $12 and hour a $7,000 toolbox? Why is it harder to get approved for a cell phone than it is for a toolbox that cost as much as a car?
