Yes!!! It is done! As of today, we are new truck owners.

We are so excited!

Yes, it’s a 2011, yes, it has some rust on it, but the interior is pristine, and everything works!!!

Just look at that clearance! We’ll be able to get through things that had us stuck at home over the past few years, including last year’s spring flooding, when the roads washed out. In fact, we’ll even be able to drive it to the gravel pit and load it with gravel to use around the house, garden and driveway. We’d have to do a walk through, first, and probably clear away some rocks and trees.

And yeah, we definitely need that step to get into it. My husband is going to love it! The seats have adjustments like our Grand Caravan had, plus lumbar support adjustment, which he will appreciate the most of all of us.

It took all day to actually get the truck. After doing the necessary transfers, my daughter and I were ready to head in, in the morning. We were also going to make a quick stop at the grocery store, then my daughter was going to treat us to Dairy Queen take out to bring home. A new Dairy Queen officially opened in town just yesterday, so everyone’s pretty excited about that.

Yeah. It doesn’t take much to get us excited. 😄 But it does mean that, on those days were we’re out all day running errands in the city, we can get take out on the way and it’ll still be hot when we get home.

The first catch:

I got an email from the financing lady, saying the lender had sent the paperwork back, and asking for my daughter’s name, phone number, plus my husband’s email address. I assumed this meant they wanted my daughter’s name on the paperwork as a co-signer, because I happened to mention she gave us funds for the down payment, and would help with the monthly payments. My daughter absolutely was not going to be on there are a co-signer!

Once I explained that, she corrected my misunderstanding. The lender wanted someone as an emergency contact, in case they couldn’t reach us. I told her, she lives with us and has the same number, so if they can’t reach us, they wouldn’t be able to reach her! So I gave them my brother’s land line number.

Meanwhile, I got a call from the garage, just as I was answering the email. He was texting with her as well and wanted to make sure we understand they were NOT looking for a co-signer on the loan or anything like that.

Once that was clarified, we waited for a while, but didn’t get a response right away. So we headed into town, anyhow.

Once we got there, I checked my email and found they still wanted my daughter’s name. I gave both their names. This way, if we weren’t home and my daughters answered the phone, they would be authorized to speak to the girls about our file.

I answered that right away, then went into the garage. He was still waiting for something from the finance lady, but I was able to make the down payment, then sign the various forms needed.

While he was making the copies he needed, and waiting on the response, he gave me the keys so we could go into the vehicle and even asked us to drive it closer to the garage. Which almost happened.

The truck had been sitting there long enough that the battery was almost dead! It wouldn’t start. Oops.

The first thing I had to figure out after that was, how to open the door from the inside! It took a while, but the lever is in a completely different location than in any other vehicle we’ve owned, and I couldn’t see it in the shadows. 😄

So I let him know, he came out with a charger, and we moved it over. Then my daughter and I spend the next while, reading the owners manual and figuring out the different things on the console, set the time and date, and so on.

After a while, with still no email response from the finance lady, I went inside. He just received a text from her and said she was waiting on a response from the lender. I told him we’d run some errands while we waited, then headed over to the grocery store across the street, where we’d parked the car anyway, to do a bit of shopping. Neither of us had had breakfast yet, though, and since it looked like picking up food to bring home would take a while, we got some food at the grocery store that we could eat in the car. Of course, I kept checking my email. Still nothing.

After a while, I walked back over. As we spoke, he suggested we may as well go home, because there was no way of knowing how long it would take the lender to get back to her. Not only that, but once the lender responded, she would be emailing documents to me for us to sign and send back. It could take minutes, or hours.

So my daughter and I headed home, stopping at the new DQ first. It was just into lunch time, so it was pretty busy, but the line went fast. After placing our order, we got our number and went to the side to fill our drinks and wait. My daughter ended up taking the drinks to the car, as the place filled up even more! They were absolutely inundated, including plenty of teens from the nearby high school, coming over for lunch.

I predict they will do very well here. Especially in the summer, during tourist season.

My daughter came back after putting the drinks in the car, then when our order was ready, she took the bag of food while I collected the Blizzards we also got. She then had the fun job of balancing trays of Blizzards and drinks on her legs during the drive home.

It is not a smooth ride, and a couple of the drinks were a bit over filled! Once we reached the gravel road, she asked me to pull over, so she could clean up a bit.

I drove much slower on the gravel road that we normally would! 😄

So we had our lunch, and then I spent the next while near the computer, checking my email regularly. We did get the documents after a couple of hours, which my husband could go over and sign digitally, then send back. Once I got a confirmation of receipt, I texted our mechanic to let him know.

After maybe another hour, I texted him again, asking if he’d received a confirmation from the finance lady yet.

Of course, I couldn’t be at my computer the whole time, but it was a bit of a surprise when I was back in my room, and our mechanic phoned me, asking if I’d received his text. I checked my phone, and there was no notification – but when I opened my text app, there it was – along with a couple other texts from elsewhere!

I’m so glad he called! Now that the this part was done, he needed us to bring him proof of insurance. It was past 4 by then and, as far as I knew, the insurance place closed at 5.

So we headed out again as quickly as we could, since it takes about 20-25 minutes to get there, depending on the traffic. Thankfully, we did not find ourselves stuck behind slow moving vehicles. Once there, I dashed in to get the paperwork, making sure to thank him for calling, since I did not receive any notifications for his text. He knows we’re in a cell phone dead zone, so he figured it was something like that. He also suggested a different insurance place to go to, that was open later, so that’s where we went.

That part went quickly. There was no one else there besides the staff, and it was all pretty straightforward. I got new license plates, because I didn’t think to bring the ones from the van. I was even given a choice of one set of plates or plates from a new box, in case there was a series that I found easier to remember. I didn’t care, so I got the last plates from an old box.

Everything was done quickly, and the lady that helped me was awesome. As she was inputting stuff into the computer, she was reading some things out loud and mentioned our mechanic’s name. When she did, I couldn’t help but say how awesome he’s been for us, and she quite enthusiastically agreed with me. She’s done quite a few vehicles sold by him, it turns out, and has found he has been really great for finding people just the vehicle they needed.

(As I was writing the above, I got a phone call from the finance lady – there’s still more to be done at her end!!! But I’ll get to that, later.)

So I got the insurance stuff done, then it was back to the garage. From there, he took the copies he needed but, before giving me the keys, he wanted to bring it into the garage. So my daughter took the car home while I waited. He had some other stuff to get done first and, as we chatted, mentioned in passing that normally, he wouldn’t release a vehicle until he got the money from the lender, but it was me, so he was okay with it.

!!!

What a sweetheart! In thanking him, I mentioned that my husband has a medical appointment tomorrow, so the timing of this is perfect, and so incredibly appreciated. He and the finance lady have gone so above and beyond!

Once the bay was clear, he drove it in, and they made sure all the tires were properly full, after sitting as long as it had on the lot, and cleaned the windows from removing the stickers, put on the new plates, etc.

And that was finally it! I could take the truck home!

Almost. The tank was at empty, so gas station first!

When I first started filling, the nozzle kept shutting itself off, like it does with my mother’s car. I’ve asked about it, and I’ve been told dust gets into a line and the sensor in the nozzle reads that the tank is full. It took a while, but eventually it started to fill without stopping. I wasn’t sure how much it would take to fill that tank, but when it stopped again at just under $80, I went ahead and finished there. It turned out to be just over half full. Another $60 probably would have filled it.

Ouch.

We try to never let our tanks get below half, though, so once it’s filled, I won’t be doing any $140 or more fills! I’ll probably top it up tomorrow, after my husband’s medical appointment, though it’s almost worth a trip to the city to fill at a Costco, with their prices usually at least 10¢/L cheaper.

We’ll consider that another time.

Finally, I could bring the truck home! It only took about 7 or 8 hours!

When I got home, the girls were waiting for me by the garage. It’s the first time my older daughter has seen it, other than the photos I took last month. They were all over that thing! It’s got cup holders and charging ports, everywhere. 😄 Then, my younger daughter drove it into the garage.

Mostly.

The back end was still sticking out the door.

Between her sister guiding her from the front, and me watching to see when the door was cleared, she was able to get it in. The truck just barely fits in the garage!!! There’s a counter at the back wall of the garage, and the bumper is just inches from it, and the door just barely misses the back bumper to close it! There is no getting around the vehicle from the inside, once the door is closed!

Not a problem I expected to have. I new it was longer than the van, but not that it was that much longer! We’re going to have to put some sort of bumper or marker so we can see how closer we’re getting to that counter.

So all is settled and fine, right?

Of course not.

As I mentioned, I got a call from the finance lady. She was asking if my husband had any other photo ID, or even an old passport. Well, he did have an old passport, but that was from his days in the military. Which makes it quite old (I just thought about it, and it’s at least 30 years old). We still have it; but it wouldn’t be much good. So she asked me about some other things. Part of the problem is that his Metis ID is hand written. I mentioned his old driver’s license from the province we lived in before moving here, which she got all excited about. She also talked about the “voided check” having only his name on it. Which confused me, because the photo I’d sent them had both our names on it. It turned out she was looking at the digital form from the bank we’d recently had to send, because the banking information had only my name on what is a joint account, since I was the one logged in to get it for them. I’d also sent photos of his old driver’s license, but she apparently never saw it.

Which is when I found out that a number of images I sent her came in a form she could not open. The files were too big, so they were automatically loaded to Google Drive, but when she clicked on them, it wanted permission to access them, which apparently she didn’t get. Which isn’t how it’s supposed to work, but the end result was, she couldn’t open them.

Once I realized that, she emailed me a list of all the files she couldn’t open. I resized them, then sent them back. That worked out, except for his birth certificate. When my husband was in his teens, he had it in his pocket for some reason, and it went through the wash. It was in rough shape, so it’s been in a folding plastic case that was meant to hold a bank book (hands up, how many reading this had a bank book!) to protect it. She asked it if was possible to take it out of the plastic for a clearer photo. I said I would try, but explained why it was in the plastic. Thankfully, in the time it took for me to find my husband’s wallet (I first tried looking in his pack on his walker in the sun room; it wasn’t there, but I did chase four massive racoons out of the sun room!), I saw her response saying not to risk damaging it, and if I could just get clearer pictures of the front and back.

Which I was able to do, then resized them and sent them to her. As I was writing the above, I got a confirmation from her that they were good!

Finally!!!

So now, everything should be straight with the lender.

I hope.

If not… well.. I guess we have the loan of a truck for a few days, until my husband can get new photo ID. Which would take a while, because the province’s public insurance provider that does all that is still on strike.

Which reminds me.

When I brought the plates and insurance papers back to the garage, I mentioned that it was the last plate before they went into a new box. He heard the “last plate” part, and said they must be really worried! It turns out that, with the strike, no new plates are going out. So while private insurance companies can process things like vehicle insurance, if they run out of plates, they’re stuck. They could contact other companies to acquire extra, but they’re all running out, too. Thankfully, this place did still have another box, but if this strike goes on for much longer, people who need new plates won’t be able to insure their vehicles at all. It’s like with getting a new photo ID, a new driver’s license, or having to renew a driver’s licence photo. They can do everything locally, except actually give out the card. Only a temporary paper version that’s good for 2 or 4 weeks. Just enough time for the public insurance company to process the paperwork and issue the official government ID, and for it to go through the mail.

Once the strike is over, the backlog is going to be incredible.

So that’s where we’re at now. As I finish writing this, I have not received any other email from the finance lady, which means that – so far, at least – there is no problem with the resized and resent images.

I must say, I do appreciate that we can do all this digitally. Can you imagine if we had to go in, in person, during office hours? Even if they could fax stuff over, it would probably take days just for this little bit of stuff right here. And since this loan is under my husband’s name as the primary borrower, that would mean him having to be driven into town multiple times to sign things, which he would not be up to. Unless I were allowed to bring paperwork home for him to sign, which I have been able to do for some things in the past.

I am just to thankful for all the effort our mechanic and the finance lady have gone through to make it so we could get that truck, in our budget. It was not easy. Especially when, even with the price being dropped so much, we had another $1200 in taxes added on. I made sure to tell her how much we appreciated it, and that if I could, I’d give her a hug! (yes; I did give our mechanic a hug!!) She told me that just hearing that made it worthwhile. I know she probably deals with a lot of difficult cases like ours, and probably worse, but I don’t know that she gets a lot of appreciation shown for her efforts!

Well, I made sure to tell them, because my goodness, not having a winter worthy vehicle with snow likely in a few weeks was a major concern! Thank God!!! What a sense of relief, to that that truck sitting in our garage right now!!

The Re-Farmer