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SACRAMENTO — Betty Carroll wasn’t happy with the landmark settlement with Volkswagen when it got final approval from a federal judge in San Francisco.

While it provides a massive $14.7 billion to regulatory agencies and owners of defective VW diesel automobiles, she says she will be losing big time.

The negotiated agreement offers to buy back diesel cars sold between 2009 and 2015 at a trade-in value, plus a restitution payment of just more than $5,000.

They can also opt for repairs along with a restitution payment.

Lance Klug says he doesn’t drive much and is choosing the repair option.

“Obviously, more money would have been great, but I think the money they’re offering is good enough,” said Klug.

But Carroll says she put a lot of extra money into her 2012 VW diesel sedan that isn’t covered by the trade-in value or the restitution payment.

She paid extra for security features, extended warranty, and a number of options, not to mention the sales tax she will lose out on if she sells the car back.

“I’m losing, I’m losing a lot,” said Carroll, who is retired.

She says she won’t have the money to be able to afford a comparable car to the VW she bought.

She is also choosing not to repair the car because she no longer trusts the company to do the right thing.