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  #1  
Old 04-27-2011, 11:25 AM
myaudiodna myaudiodna is offline
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MDI Adjustment on Auto Loan?

My car payment went up by almost 50% this month and the only reason I can see is there is an "MDI Adjustment" listed, anybody here know what the heck that means or why it would've been done?
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Old 04-27-2011, 11:56 AM
tiktok tiktok is online now
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Monthly Discretionary Income? Monthly discretionary income equals your AGI minus the poverty level for your state of residence and family size, divided by 12.

Did your reported income level, state of residence or family size change recently?
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Old 04-27-2011, 11:58 AM
myaudiodna myaudiodna is offline
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Nope, nothing changed on my end, didn't get married, didn't get a new job, didn't move to a different state. Been single (legally, not literally) my whole life, lived in California my whole life and been at my job over a year.
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Old 04-27-2011, 12:07 PM
tiktok tiktok is online now
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Did you car loan have a structured payment schedule where the first six months, or whatever, are at a lower rate before it adjusts for the balance of the loan?
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Old 04-27-2011, 12:08 PM
myaudiodna myaudiodna is offline
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No, I've had the car almost a year now. Definitely nothing like that.
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Old 04-27-2011, 12:24 PM
whitecadillac whitecadillac is offline
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Have you properly insured it? If not, your bank may have done it for you and then tagged on the cost. A guess really. Perhaps phone your bank.
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Old 04-27-2011, 12:28 PM
morlll morlll is offline
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Don't you just love banks?
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Old 04-27-2011, 12:31 PM
myaudiodna myaudiodna is offline
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Quote:
Originally Posted by whitecadillac View Post
Have you properly insured it? If not, your bank may have done it for you and then tagged on the cost. A guess really. Perhaps phone your bank.
Yes it is most definitely properly insured, no doubt about it.

Quote:
Originally Posted by morlll View Post
Don't you just love banks?
In a word, no.


I should probably just call the bank and see what the deal is, just wanted to see if anyone here had any insight first, thanks for all the responses!
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Old 04-27-2011, 12:41 PM
RichieD RichieD is offline
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I'd be interested to hear what the bank has to say about it.
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Old 04-27-2011, 12:45 PM
myaudiodna myaudiodna is offline
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I'll give the bank a call and post the response I get here.
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