Am I jumping the gun?

Okay, yeah. I probably am, but I can’t help it!

I just got off the phone with a financing company, regarding our application to finance another vehicle yesterday.

Photo by Andrea Piacquadio on

Here’s the story.

Yesterday, I had to make a trip to the smaller, closer city, making my usual stop for gas at the town my mother lives in. I used our van because it was a bit chillier, and the van handles the cold better than my mother’s car. That and getting my mother’s car out of the lean to on the garage is a pain. The doors need to be replaced, and I have to park the car at an angle, just so I can open the door without hitting anything.

By the time I got to the gas station, the temperature gauge on the van was almost in the middle, which is typical for the trip in these temperatures. It took just a few minutes to run in, get what I needed, pay for stuff and head out. No long enough for the engine to completely cool down.

The first thing was, the van did NOT want to start. It tends to stall easily when first starting anyhow, but when I first started it at home, it was just the usual “it’s cold!” sort or start. This time, it took a couple of tries, but I got it going.

I immediately noticed the temperature gauge didn’t move.

I pulled ahead to an out of the way parking area I normally pause in to send updates to the family or get my drink ready, etc., shut the engine off and started it again. It started fine, but the gauge’s needle didn’t move.

I made the rest of the drive, and it stayed on cold, the whole time. Once parked, I shut the engine off and started it again. It started fine, but no change on the gauge.

I messaged my family to update them, then phoned our usual garage. After explaining what was happening, I asked if I could swing by on my way home so they could quickly check it. Once that was worked out, I quickly did my errands, then headed to town.

Once again, the van did NOT want to start. Once it did, however, it ran fine.

I even made sure to take the shorter, but longer, route. I could have taken a different highway that was longer in distance, with a higher speed limit the whole way. The shorter route goes through several small towns and villages, so the speed limit is all over the place, but it also has houses and farms all along the way. I figured that, if I did break down, at least I’d be close to a door I could knock on. The other route has almost nothing along the way. Even the farmhouses aren’t near the highway. The drive went fine, though. Aside from the temperature gauge staying on cold, everything else seemed to be running smoothly, and the van was heating up nicely.

Once at the garage, I talked to the owner for awhile, explaining what was going on in more detail, including the issues with starting as the only other thing that seemed to have changed. He had one of his guys quickly go out and do a scan while we talked some more.

One of the things we talked about was the confusion from when we’d applied for financing a vehicle from him earlier, so I found out more about that. It turns out he’d sent info for two vehicles because he remembered that we needed something that would fit a bariatric walker for my husband. The one that we were applying for, a newer vehicle with higher mileage and a lower price, would not have had room for it. The other one was a few years older, had lower mileage and was more expensive, but it would have been more accessible for my husband and his walker. Then there was the whole thing about the company wanting a huge down payment for one, while approving only a 1 year term for the other (which would have had monthly payments of almost a thousand dollars, once their interested was included).

Well, it turns out he’s with a different financing company now, and I got the very strong impression that what happened to us was motivation for him to do that, because he’d been very happy with them when I applied! This one will do long term financing, with no down payments.

Then the guy came in with the results, and it turned out to just be a sensor that needs to be replaced. Since I’d have no way of knowing if the engine started to overheat, we rather have to get that done. Unfortunately, it’ll mean going into the funds we’ve set aside to save up for getting a replacement vehicle before next winter.

While making the appointment for next week, I once again asked if he could keep an eye out for something to meet our needs that was cheap.

“Well,” he says to me, “there’s the 2015 Caravan.”


I hadn’t even looked at the vehicles for sale when I drove in, since I was already looking ahead to try and find a parking spot, so I never noticed it.

We had a Grand Caravan before we got our current van, and were very happy with it. It’s amazing what you can fit in the back of one of those, with the Stow n Go seats folded down.

Yup. I ended up starting an application for financing. I filled out just enough to give him something to send in, and he said I’d get a phone call for the rest of the information.

Which I just got.

I much prefer that, since our situation requires explanation. First, there’s my husband’s employment status (technically, he’s considered employed for as long as he’s on the company’s disability insurance), and why I can’t have an income of my own. Which normally means he would be the one applying, not me, but I would be the owner and driver of the vehicle, so it has to be me, not him. Also, he’s on both private insurance and CPP Disability, so he’s actually got 2 sources of income, while I have none. Then there’s explaining how we neither own nor rent, but also have zero rent or mortgage, thanks to our custodial arrangement to live here.

Once that was cleared up and the call was done, I needed to email in pictures of my photo ID. The next step – if it gets that far – would be to email in pictures of a voided check.

If all goes well, that will happen pretty soon. It’s entirely possible we’ll have an answer before the end of the day. Last time, however, it took something like a week or more, so… who knows.

Still. I’m just thinking how nice it would be if I could cancel that appointment for the van, because we’ll be picking up our new van, instead.

Oh, my goodness! That last sentence was interrupted by a phone call. I didn’t recognize the number, but answered it anyway, since it might be a different department of the financing company.


It was a cradle dial, then someone started telling me that they were calling about our computer, and could he talk to the main user of our computer?

Which is laughable, considering just how many computers we have in this household.

Yeah. I just laughed and hung up on him.

Gah! Now I’m on pins and needles, waiting for a call.

It’s a really sweet van, and would meet our needs much better than the SUV we originally applied for. It would also be the newest vehicle we’ve ever owned! 😄

Oh, and one more reason to really hope this works out. When it was time to leave the garage, the van didn’t want to start again. I don’t know how a malfunctioning sensor on the temperature gauge could affect that, so I’m not sure replacing the sensor would solve that problem.

I don’t want to get my hopes up, but… Gosh, that would be so nice if it works out!

The Re-Farmer


2 thoughts on “Am I jumping the gun?

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s