Auto Lending: Last Week Tonight with John Oliver (HBO)

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LastWeekTonight

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Shared August 14, 2016

Auto lenders can steer vulnerable people into crushing debt. Keegan-Michael Key and Bob Balaban help John Oliver show exactly how.

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Atif Choudhury

The "why are these people so stupid in the first place?'" crowd need to understand one fundamental fact:

Many poor people often have no recourse beyond these loan sharks-and the sharks know it. Add in the fact that in large parts of the country cars are an absolute necessity and the choices become Option A: Endure a shitty deal for a crappy car, or

Option B: No car and no job.

Not really much of a choice. If we are unwilling to seriously tackle poverty, the least we can do is crack down on all the various industries that lecherously profit off it.

3 years ago | [YT] | 1,947

Alison Selje

"The Lincoln assassination but with cars."
...So the Kennedy assassination?

4 months ago | [YT] | 437

Jason Douglas

I worked as a sub prime finance manager for a car dealer for about 5 years.
It's insane how low they will go. I got so stressed out and felt so awful knowing a lot of these people were getting into loans they'd never be able to afford that I quit a $85,000 a year job to go back to school and become a chef. ( after spending $50k. In 2 years , I'm still making less than half what I did, but I don't feel like a heaping pile of dog shit anymore)
I literally felt so awful that I couldn't sleep at night. It's an absolute miserable bottom feeding scam business.
You need to have no soul to do that for a career.
I couldn't imagine doing that for 30+ years.
FML

11 months ago (edited) | [YT] | 623

逗逼

I finally understand what's the job Franklin is doing in GTA 5

1 year ago | [YT] | 224

rejvaik

I had to have a backyard mechanic remove that kill device in my first car when I was 2days late on a payment

1 year ago | [YT] | 55

David Hombach

"Boy did we screw these people with their mortgages, they're living in their cars now."
"Hm, cars you say..."

3 years ago | [YT] | 5,891

Namiix

Broke: repossessed

Woke: stolen by rich people

2 months ago (edited) | [YT] | 73

pr0xZen

Oh come on now. The Imitation Game was a great movie (and a really important story). And Benadryl Cucumbersplash did Alan Turing honorable.

1 year ago | [YT] | 179

Fedaykin24

The underlying issue is the utter destruction of decent public transport out of the suburbs during the 1950's!

1 year ago | [YT] | 92

Cal M

Lending rates over 12% should be considered loan sharking, and it should be a FELONY.

1 year ago | [YT] | 482

Daniel Enock

Never watched a comedy show and get informed like this show. The level of research and amount of work you guys are putting into your material is absolutely unbelievable. Thank you

3 years ago | [YT] | 2,410

Mark Hashman

"And normally, if you add the phrase 'but with cars' to any historical event, it sounds a lot more fun, like 'the assassination of Abraham Lincoln, but with cars.'"

The assassination of Archduke Franz Ferdinand had cars, and that was decisively not fun.

6 months ago (edited) | [YT] | 94

Jeremy Smolik

Lmao had this happen to me in 2008 by Drive Time who used, guess what, a 2003 Kia Optima and sold it to me for 9k... Is this the official fraud car?? My car got towed because it was parked in the wrong spot, then they repossessed it because of a hidden clause saying if the car is ever impounded for any reason, they have the right to repo it within 15 days. THEN, they said they're going to sell the car and send me a bill for the difference, months later I got a bill for around $11k. So they took my car, and tried to charge me for about 3x the KBB value. I hope the CEO goes to jail for life.

1 year ago | [YT] | 187

Daniel Hyson

Me: Hears 'Sub-Prime' in any context
My Brain: SCREAMS IN TERROR

1 week ago | [YT] | 2

Ryan Ortega

That poor mother! Such a caring and loving mom shouldn’t have their baby repossessed! Imagine if the government came and got

2 days ago | [YT] | 0

James Hoffmann

5:07 I put my child in front of this is it just cried...

1 year ago | [YT] | 26

Ike

"The crucifixion of Christ----- but with Cars" !

3 months ago | [YT] | 11

paul lees

19-29%
Laughs in private after 1st deployment

2 months ago | [YT] | 10

Quinntus79

I gotta try this: “The Tulsa Race Massacre, but with cars.”

4 months ago | [YT] | 8

ja3

im envious of all the people in the comments who have CLEARLY never severely struggled financially. good for you, but before you ask 'how someone can be so stupid', consider that you have no idea what its like to really struggle in terms of money. its so easy to get trapped

3 years ago | [YT] | 1,207


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