I called National Dealers Warranty yesterday, a company that is being advertised on several local radio stations, after being asked to be given details via e-mail to avoid a hard sale. I got an e-mail back saying they thought they had the perfect plan for me. My car is very high miles, but since I hadn't put all those miles on there, they could help me out. The person who explained the plan to me rattled off a list of things (and a rather limited one) that it would cover, so quickly I couldn't write them down. And I didn't know what most of them were. It would go ahead and cover it for up to 240K miles. All this for $400-$500 a year. But this offer was only good for the duration of the phone call. He would need a down payment of $395. I told him I didn't have that sort of money accessible to me. He said well, what about a credit card. I told him again, I do not have that much money available to me in any shape or form. He said well, how about an emergency credit card? What part of I have no money at the moment does he not understand? I told him look, I have $18.21 in my checking account right now, and my credit cards only have about $25.00 each on them. His reply was I know, I'm on a budget too, but consider the small payment of $395 versus paying thousands in repair bills. This guy is obviously dumb as a rock, and I have told him several times thank you, but I cannot do this, have a nice day. I finally had to hang up on him.
