Godlike Productions - Discussion Forum
Users Online Now: 1,543 (Who's On?)Visitors Today: 272,059
Pageviews Today: 444,161Threads Today: 143Posts Today: 2,539
06:24 AM


Rate this Thread

Absolute BS Crap Reasonable Nice Amazing
 

Need Help ~ Car Dealership (ugh)

 
Tali...Tali
Offer Upgrade

User ID: 1018633
United States
01/26/2011 10:59 AM
Report Abusive Post
Report Copyright Violation
Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
Our perfect companions never have fewer than four feet. ~Colette
Anonymous Coward
User ID: 1240132
United States
01/26/2011 11:00 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Its called bait and switch.
Hawk0

User ID: 297515
United States
01/26/2011 11:01 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
well that really sucks ass.
:minimoran:
Anonymous Coward
User ID: 1193530
United States
01/26/2011 11:02 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Do not buy the car if you cannot affoard the payments
car dealerships will actually do this a lot. If you are open to another car, go for it. Otherwise, just get your money back,

Sometimes dealerships will even let the person drive off with the new car and the loan is not finalized. Then when it fails to go through, they have to bring the car back..

Just don't let yourself be pushed around
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:02 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Its called bait and switch.
 Quoting: Anonymous Coward 1240132


Right...but if I don't like what they put me in, am I still bound to contracts?
Our perfect companions never have fewer than four feet. ~Colette
Anonymous Coward
User ID: 941862
United States
01/26/2011 11:02 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
All states give you three working days to change your mind, if you are past this three day grace period you need to call your local BBB office. Then call the lending institution directly and ask them, it is illegal to change your contract after you signed. Do not let them off the hook, if you do not get anywhere call your local radio or TV station and ask them to check it out. This will get you an immediate response from the dealer, they cannot afford that type of publicity.
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:03 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
well that really sucks ass.
 Quoting: Hawk0

jenagrees
Our perfect companions never have fewer than four feet. ~Colette
Anonymous Coward
User ID: 1240132
United States
01/26/2011 11:03 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Its called bait and switch.
 Quoting: Anonymous Coward 1240132


Right...but if I don't like what they put me in, am I still bound to contracts?
 Quoting: Tali...Tali


You may need to hire a lawyer and the authorities open an investigation.
NeoFist

User ID: 1178513
United States
01/26/2011 11:04 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
[link to www.youtube.com]
A wise and frugal government, which shall leave men free to regulate their own pursuits of industry and improvement, and shall not take from the mouth of labor and bread it has earned - this is the sum of good government.-- Thomas Jefferson
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:05 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
All states give you three working days to change your mind, if you are past this three day grace period you need to call your local BBB office. Then call the lending institution directly and ask them, it is illegal to change your contract after you signed. Do not let them off the hook, if you do not get anywhere call your local radio or TV station and ask them to check it out. This will get you an immediate response from the dealer, they cannot afford that type of publicity.
 Quoting: Anonymous Coward 941862


It's past that grace period. If I have to get nasty I will. So far they only have $200 of mine and a check for more post dated for friday...

Even if i cancel that check and say forget the $200 am I still fucked with the contracts?
Our perfect companions never have fewer than four feet. ~Colette
508527

User ID: 1226246
United States
01/26/2011 11:05 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
yep, the dealership is lying. i sell insurance and there is this one dealership in my town that will tell the customer they're all approved and even let them drive the car a couple days (to get them really committed to the vehicle) before finalizing the paperwork. then right before the paperwork is signed they say some bs like that about the lender and request a co-signer or more $ down.

op, i'd ask the dealer who the finance company was and call them directly and ask them if they had any underwriting changes recently.

Last Edited by 508527 on 01/26/2011 11:06 AM
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:06 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
 Quoting: NeoFist


I live in AZ?
Our perfect companions never have fewer than four feet. ~Colette
Anonymous Coward
User ID: 1101842
United States
01/26/2011 11:08 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
All states give you three working days to change your mind, if you are past this three day grace period you need to call your local BBB office. Then call the lending institution directly and ask them, it is illegal to change your contract after you signed. Do not let them off the hook, if you do not get anywhere call your local radio or TV station and ask them to check it out. This will get you an immediate response from the dealer, they cannot afford that type of publicity.
 Quoting: Anonymous Coward 941862


This is completely wrong in the state of Tennessee. No grace period law here for CARS.
Anonymous Coward
User ID: 1243449
United States
01/26/2011 11:09 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Not to be an a$$, but if you do your research, there are a crap load of great used cars that you can get for 1/2 their book value.
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:09 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
yep, the dealership is lying. i sell insurance and there is this one dealership in my town that will tell the customer they're all approved and even let them drive the car a couple days (to get them really committed to the vehicle) before finalizing the paperwork. then right before the paperwork is signed they say some bs like that about the lender and request a co-signer or more $ down.

op, i'd ask the dealer who the finance company was and call them directly and ask them if they had any underwriting changes recently.
 Quoting: 508527



Thanks, I'll do that.
Our perfect companions never have fewer than four feet. ~Colette
NeoFist

User ID: 1178513
United States
01/26/2011 11:09 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
 Quoting: NeoFist


I live in AZ?
 Quoting: Tali...Tali

Doh! That sucks. I live in Texas and from what I have gathered there is a used car "bubble" because Mexico changed it's import tax. It was ridiculously high on car imported to Mexico, especially cars over 10 years old. Mexico has drastically reduced the import tax and in certain situations eliminated it. Now Mexican national are buying older cars by the ton. It is a pretty good money maker if you know the right people in Mexico. This has, however, artificially increased the overall "value" or "cost" of used cars in certain regions, possibly the whole country.
[link to www.youtube.com]
A wise and frugal government, which shall leave men free to regulate their own pursuits of industry and improvement, and shall not take from the mouth of labor and bread it has earned - this is the sum of good government.-- Thomas Jefferson
FatalWishes

User ID: 966335
United States
01/26/2011 11:10 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Shop at Carmax. You won't have those issues. And you save a lot of money buying used.
They should take the warning labels off of everything and let stupidity sort itself out.
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:10 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Not to be an a$$, but if you do your research, there are a crap load of great used cars that you can get for 1/2 their book value.
 Quoting: Anonymous Coward 1243449


Well I'm female for one, this is men's work ya know lol...

My problem is my credit and not having money to put down.
Our perfect companions never have fewer than four feet. ~Colette
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:14 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Soooo I bought a car from a dealership, and got a call the other day, they told me the bank changed their terms and the payments would be going up. I told them I can't do that, so they are looking for another car to put me in. I am really pissed off.

How to deal with them now?

And also can I just ask for my down back and leave.
 Quoting: Tali...Tali

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
 Quoting: NeoFist


I live in AZ?
 Quoting: Tali...Tali

Doh! That sucks. I live in Texas and from what I have gathered there is a used car "bubble" because Mexico changed it's import tax. It was ridiculously high on car imported to Mexico, especially cars over 10 years old. Mexico has drastically reduced the import tax and in certain situations eliminated it. Now Mexican national are buying older cars by the ton. It is a pretty good money maker if you know the right people in Mexico. This has, however, artificially increased the overall "value" or "cost" of used cars in certain regions, possibly the whole country.
 Quoting: NeoFist


Well thats interesting..the dealership I went to told me a lot of the mom and pop car lots have gone under and that because of some change in laws they couuldnt take my old nissan as a trade in (its running on 4 out of 6 cylinders) they told me they used to be able to, but not anymore.
Our perfect companions never have fewer than four feet. ~Colette
Deus Ex

User ID: 1221741
United States
01/26/2011 11:18 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Call a attorney, tell him you'll pay him hourly to counsel you. I am not sure they can make you bring the car back. It would be worth the 80/hr fee to have someone who KNOWS tell you what to do instead of posting on GLP.
Native-Alien

User ID: 1242896
United States
01/26/2011 11:19 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
All states give you three working days to change your mind, if you are past this three day grace period you need to call your local BBB office. Then call the lending institution directly and ask them, it is illegal to change your contract after you signed. Do not let them off the hook, if you do not get anywhere call your local radio or TV station and ask them to check it out. This will get you an immediate response from the dealer, they cannot afford that type of publicity.
 Quoting: Anonymous Coward 941862


Great advice there^
Anonymous Coward
User ID: 870534
United States
01/26/2011 11:20 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Damn. Sorry Tali hugs


I wish I knew what to do and how to help you :(
NeoFist

User ID: 1178513
United States
01/26/2011 11:20 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
...

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
 Quoting: NeoFist


I live in AZ?
 Quoting: Tali...Tali

Doh! That sucks. I live in Texas and from what I have gathered there is a used car "bubble" because Mexico changed it's import tax. It was ridiculously high on car imported to Mexico, especially cars over 10 years old. Mexico has drastically reduced the import tax and in certain situations eliminated it. Now Mexican national are buying older cars by the ton. It is a pretty good money maker if you know the right people in Mexico. This has, however, artificially increased the overall "value" or "cost" of used cars in certain regions, possibly the whole country.
 Quoting: NeoFist


Well thats interesting..the dealership I went to told me a lot of the mom and pop car lots have gone under and that because of some change in laws they couuldnt take my old nissan as a trade in (its running on 4 out of 6 cylinders) they told me they used to be able to, but not anymore.
 Quoting: Tali...Tali

I haven't sold a car in a few years, been out of the business since I graduated, so that is a new one on me. We used to take trades like that all the time. Must be part of the clear air act or some such.
[link to www.youtube.com]
A wise and frugal government, which shall leave men free to regulate their own pursuits of industry and improvement, and shall not take from the mouth of labor and bread it has earned - this is the sum of good government.-- Thomas Jefferson
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:22 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
All states give you three working days to change your mind, if you are past this three day grace period you need to call your local BBB office. Then call the lending institution directly and ask them, it is illegal to change your contract after you signed. Do not let them off the hook, if you do not get anywhere call your local radio or TV station and ask them to check it out. This will get you an immediate response from the dealer, they cannot afford that type of publicity.
 Quoting: Anonymous Coward 941862


Great advice there^
 Quoting: Native-Alien


Yup...also...my SO had this happen to him and his ex, they actually had to call the police and ask for escort services (not the dirty kind ya gutterbrains) to get their money back.
Our perfect companions never have fewer than four feet. ~Colette
Tali...Tali  (OP)

User ID: 1018633
United States
01/26/2011 11:23 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
...


I live in AZ?
 Quoting: Tali...Tali

Doh! That sucks. I live in Texas and from what I have gathered there is a used car "bubble" because Mexico changed it's import tax. It was ridiculously high on car imported to Mexico, especially cars over 10 years old. Mexico has drastically reduced the import tax and in certain situations eliminated it. Now Mexican national are buying older cars by the ton. It is a pretty good money maker if you know the right people in Mexico. This has, however, artificially increased the overall "value" or "cost" of used cars in certain regions, possibly the whole country.
 Quoting: NeoFist


Well thats interesting..the dealership I went to told me a lot of the mom and pop car lots have gone under and that because of some change in laws they couuldnt take my old nissan as a trade in (its running on 4 out of 6 cylinders) they told me they used to be able to, but not anymore.
 Quoting: Tali...Tali

I haven't sold a car in a few years, been out of the business since I graduated, so that is a new one on me. We used to take trades like that all the time. Must be part of the clear air act or some such.
 Quoting: NeoFist


It had something to do with Mexico and imported used cars from US.
Our perfect companions never have fewer than four feet. ~Colette
Native-Alien

User ID: 1242896
United States
01/26/2011 11:23 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Well I'm female for one, this is men's work ya know lol...

My problem is my credit and not having money to put down.
 Quoting: Tali...Tali


Hey, this is GLP here! Many of us are "friends". If worse comes to worse, think about posting a Paypal address soon perhaps, and maybe a few of us will help out a bit.

Ya never know!
Anonymous Coward
User ID: 1243298
United States
01/26/2011 11:26 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
...

Yes you can get your payment back. You were put in "special finance" because you have a very low or very poor credit "beacon".

If you don't absolutely need a car right away or and you don't live in Texas, Southern California or Arizona, you should save up for a few more months and buy cash or put more than half down on a car. You will get a better interest rate and can still "build" credit if you still believe in that crap.
 Quoting: NeoFist


I live in AZ?
 Quoting: Tali...Tali

Doh! That sucks. I live in Texas and from what I have gathered there is a used car "bubble" because Mexico changed it's import tax. It was ridiculously high on car imported to Mexico, especially cars over 10 years old. Mexico has drastically reduced the import tax and in certain situations eliminated it. Now Mexican national are buying older cars by the ton. It is a pretty good money maker if you know the right people in Mexico. This has, however, artificially increased the overall "value" or "cost" of used cars in certain regions, possibly the whole country.
 Quoting: NeoFist


Well thats interesting..the dealership I went to told me a lot of the mom and pop car lots have gone under and that because of some change in laws they couuldnt take my old nissan as a trade in (its running on 4 out of 6 cylinders) they told me they used to be able to, but not anymore.
 Quoting: Tali...Tali


I used to work as a car salesman so I know how they try to rip you off. Refusing to take your car as a trade-in has nothing to do with any law. Bullshit. They won't take it because it will cost more to repair than it's worth and they don't want to bother. Car salesman make up shit as they go.

They are using the old bait and switch on you as well. They know your credit is bad and they think you might be desperate. Do not let them bully you. They only want one thing; YOUR MONEY. They want as much of it as they can possibly convince you to give them. Do not fall for it. Go into EVERY encounter with them from the standpoint of "They are trying to fuck me over, and I will not allow that.". They are slimy bastards who can care less what happens to you.

Read your contract, understand it. You MUST have a copy of it as they are required to give you one.
Anonymous Coward
User ID: 1232829
United States
01/26/2011 11:28 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Shop at Carmax. You won't have those issues. And you save a lot of money buying used.
 Quoting: FatalWishes



Oh bull. Been to carmax, not only were their cars outrageously overpriced, they had high pitched salesmen there trying to scam you as well.

Just buy a used car in cash from a private seller. You'll not only get a much better deal, but probably a better car if you do your homework.

Dealing with car dealers is a stressful, unhappy interaction for the most part. You are dealing with the devil.
Anonymous Coward
User ID: 1243298
United States
01/26/2011 11:29 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
Shop at Carmax. You won't have those issues. And you save a lot of money buying used.
 Quoting: FatalWishes



Oh bull. Been to carmax, not only were their cars outrageously overpriced, they had high pitched salesmen there trying to scam you as well.

Just buy a used car in cash from a private seller. You'll not only get a much better deal, but probably a better car if you do your homework.

Dealing with car dealers is a stressful, unhappy interaction for the most part. You are dealing with the devil.
 Quoting: Anonymous Coward 1232829


^^THIS^^
Anonymous Coward
User ID: 1198592
United States
01/26/2011 11:29 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
You signed the dotted line and they signed the dotted line !
That's considered a contract - they cannot legaly make any changes to it. I would suggest getting a lawyer and sue their ass for breech of contract !
Anonymous Coward
User ID: 1244233
United States
01/26/2011 11:31 AM
Report Abusive Post
Report Copyright Violation
Re: Need Help ~ Car Dealership (ugh)
I was a Finance Director in the Automobile Industry for 12 years.

Here's what's going on.

Cars are sold "subject to credit approval".

This means that the dealer *thought*, using their best judgment, that they could find a lender for the contract under the terms under which it was written. Dealers don't let people drive cars home unless they think a lender will finance the contract. Too much risk and wasted effort.

They don't want to take the car back. They don't get paid if they can't get the loan approved.

It sounds like the dealer couldn't find a lender to generate the loan for the interest rate and terms you negotiated, but did find a lender at a higher interest rate.

It isn't 'bait and switch' or other crap. It's a business deal that didn't work out. They wanted to sell you a car, they thought they could find a lender to match the terms you negotiated.

Now they're trying to figure out a way to structure a new contract that meets your needs and the bank's. They're just the middleman, trying to sell a product. You're a consumer trying to buy a product, the lender is a financial institution trying to generate a loan. All 3 parties have to agree to the transaction.

If you don't want to change to a different car or change the terms of the contract, you can return the car they sold you and get all your down payment back. No lawyer will be necessary.

You can't force them to let you keep the car, because it's "subject to credit approval".





GLP