I'm sure I've already posted the story about my Jeep... Long story short for those who don't know, I had my warranty denied because of an odometer discrepancy in the history... I need to get my water pump and a couple other pieces replaced to stop a coolant leak, and prevent some worse damage... This work was supposed to be covered under the warranty that I bought, and would only cost me the $50 deductable........ Without a warranty, though, all the estimates I'm getting are in the $250 range for parts and labor... No way in heck I can pay that for a while. So I had an idea. I'm still going to try to figure out what's going on with the odometer. I honestly couldn't give a crap less how many miles it has as long as it runs and lasts until it's paid off. It would be nice to know, however. Then I could get everything straightened out as far as that goes. Then comes the $1500 I paid for the warranty I never got. I'm going to the bank in the next few days, before my first payment is due, to get a refund on that. No use paying for it, even for one payment, if I'm not getting what I paid for, right? This is where I'm not sure what to do. On one hand, I wouldn't mind attempting to get that $1500 in check form. I could take that money, get the Jeep fixed, and either hang on to the rest, or take it back to the bank and apply it to the principle. On the other hand, it might be a good idea to just refinance the Jeep without the $1500. Doing that would lower my payments, which is always a good thing. However, I still won't be able to get the Jeep repaired as soon as I'd like. Eh? Biuh.