Bill Heard Chevrolet Illegal financing, Lowering your credit score, ripoff, stealing Nashville Tennessee
Where do I begin? How about the beginning.
In the latter part of September 2004 My husband and I went to Bill Heard Chevrolet to purchase a truck. Upon completion of "working the deal" with the front end people, we were sent to the finance department to sign all the forms and to complete the deal.
About two weeks later, one of our references was called and told to get in contact with us because they needed us at the dealership A.S.A.P. We go back, we were told that they could not get us financed due to lack of verfiable work history. But, if we brought in tax returns, bank statements, and utility bills that they were sure to get us financed.
I personally took three years of tax returns, three months of bank statements, and all utility bills to the dealership. One of the people from finance came out took my paperwork, supposedly made a copy of it and brought the originals back out to me.
The next week we were again contacted by one of our references because Bill Heard had called them again, we were still not financed. The tax returns, bank statements, and utility bills were "lost" and needed to be brought back to the finance department a second time.
It's now October 2004 and we get yet another phone call, the truck was still not financed. This time we were told if we could get a co-signer they were sure to get us financed. Well, we got a co-signer and the application was ran again, and we were told that this co-signer had great credit and it even lowered the intrest rate and montly payment. Great, we were finally financed, or so we thought.
On November 5, 2004 my husband went to the dealership to find out about tags, and guess what we are still not financed. They came to the front lot and "TOOK" the truck and hid it, and also parked the trade in where the truck was.
Needless to say Bill Heard Chevrolet has their truck and we have the old car back. But, in trying to purchase a truck from another dealership we found out that due to the frequent and numerous inquiries from Bill Heard my husband's credit Beacon score was dropped down 100 points, the trade in was not paid and was reported to the credit beaure being 75 days past due.
What can be done to have Bill Heard Chevrolet made to be responsible for the wrong they have done, and the hardship they place on the customer.
Tonya
Nashville, Tennessee
U.S.A.
3 Updates & Rebuttals
John
Pearl Harbor,Hawaii,
U.S.A.
You were lucky
#4Consumer Suggestion
Sun, November 07, 2004
Tonya, you were lucky to get your car back. a few things you can due is first get a copy of your credit report, send a letter to the credit Bureaus
-TransUnion
PO Box 1000
Chester, PA 19022
(800) 916-8800
-Equifax
PO Box 740241
Atlanta, GA 30374
(800) 685-1111
-Experian
PO Box 2104
Allen, TX 75013
(888) 397-3742
Challenge the Debt, make them remove it or you can also have a statement added to it telling your side of the story.
good luck
Jim
Orlando,Florida,
U.S.A.
Never EVER Go Into a Heard Dealership
#4Consumer Suggestion
Sat, November 06, 2004
What can be done???
Very simple, don't ever go into a Bill Heard dealership again, EVER! One exception...you have uncontrolled diarehha and you need to get rid of it on the showroom floor. The SMELL and STENCH of the fraud/deception which surrounds this dealership chain over powers anything else.
You also were probably going to get hit with a PHONEY-BALONEY dealer fee too.
Telll all your friends, the Great legacy of Mr. William T. Heard III is known in every market in which they operate!
Stick-Consumer Advocate Rip-off Report
Phoenix,Arizona,
U.S.A.
Tonya post a responce to what I have posted for you and others to read!
#4Consumer Suggestion
Sat, November 06, 2004
Tonya I want the public to know more about the auto industry so I became a rip off Report consumer advocate a few years ago. I also want to the public to be informed before they are taken advantage of. Go to this Rip Off Report mentioned below and read what this lady posted. You might find it very informative.
www.badbusinessbureau.com/reports/ripoff52158.htm
Take a good look at the second picture posted on her Rip Off Report. After reading it, you car buyers out there might want to contact your auto lender and ask for a copy of the credit app that they received from your car dealer. You might get a big surprise after you read it. Maybe there is some "untruthful information" hand written in on it.
Blow up the pic at the top right and you will see the four car buying contracts this car buyer had to sign. Think about it for a second, Why should a car buyer have to sign four car buying contracts? Many car dealers are playing with the car Buyer's info on the credit app before they send it to auto lenders.
Some car dealers will play with a car Buyer's credit app if the buyer has a lower income and might not qualify for what they are wanting. Many car buyers have a low credit scores and it is getting harder for car dealers to get car buyers approved on car loans.
Some car dealers are finding it profitable to play the "Fraud game" with car buyers documentation.
I would love it if I could find a newspaper or TV show that would let me have a long chat with the American car buyer. I would chat about car dealers sending fraudulent credit applications to auto lenders. I feel the info I have would be very informative to the public. The American consumer needs to be informed of these types of scams.
Like to know what I am talking about regarding Fraudulent credit applications? Like to see what can happened to a car buyer behind their back. Like to see what a car buyer has gone through? Go to the following Rip Off Report.
www.badbusinessbureau.com/reports/ripoff52158.htm
Go to the Rip Off Report that I mentioned above and you tell me it is news you can use.
Most of you car buying consumers have never been told about what goes on behind back doors. Many only think they have a good idea as to what is going on. Many car buyers that do get ripped off are the ones that TRUST or LIKE the car dealer they go to. It's called an "UNSAFE Comfort zone". If you hate or dislike your sales person and they know it, you will get a much better car deal.
Trust me they will give up the gross just to get rid of you so they can look for a weak sucker. Trust me car dealers love the uninformed sucker that likes their car salesman. The weak or uninformed are easy prey.
What I am about to tell you to go and look at is info that you are not going to be told by any local TV station in a consumer news story, You are not going to be told in an article in any local newspaper.
Inside info is easy to find if you know where to look and what to look for. Many car dealers hate the Internet because they can't censor what is out there for you to read. I love the Internet because I know where to look to find what a car dealer would not want me to read.
If you do not believe what I am saying about your local media, Try this.
I have been pounding the Internet to show the car Buyers what car dealers do NOT want you to know. I also have been pounding the media, Newspaper, TV and talk radio to find a form of media that has Balls to reveal car dealer scams.
I must say that it seems to me that advertising money from car dealers is MUCH more important to them then to protect or inform you!
In Phoenix, AZ We have a talk radio station called KFYI 550AM. Can't say it's a bad radio station. I have been listing for past 10 years. They seem kinda entertaining. You might say I enjoy what they have to say.
But they have a few Talk show hosts that will not answer my question. That is "why will they not talk about car dealer scams LIVE ON THE AIR!"
They chat about everything else. Police, Politics, stories in the newspaper, the war, teachers that take kids to court, bad drivers on the freeway, Why not car dealer scams?
Call screener says it's not news. Yea Right! Email their staff and ask why the topic "Car Dealer Scams" seems to be off limits to talk about.
Ask if Stick is Right about what he FEELS about the media. To all who read this, email the following talk show hosts. Maybe they will post a rebuttal to what I say!
barryyoung@kfyi.com
rush@eibnet.com
brucejacobs@kfyi.com
tomliddy@kfyi.com
austinhill@kfyi.com
joecrummey@clearchannel.com
george@coasttocoastam.com
kenvoight@clearchannel.com
askjan@clearchannel.com
Now you get to be informed to info that I feel no newspaper will print. I invite one and all to go to the following links. Happy reading below!
Car dealer is being sued over shutoff device
www.th-record.com/1999/08/14/carpayme.htm
Want more to check out?
Dealer's Separate Spot Delivery Agreement Violates Law
www.carlaw.net/articles/spot.shtml
Dealer Required to Honor Erroneous Advertised Price
www.carlaw.net/articles/mistake.shtml
AUTO DEALER SUED FOR RENEGING ON DEAL
www.oag.state.ny.us/press/2002/nov/nov07b_02.html
Auto Financing Charges May Cost a Billion
www.abcnews4.com/news/stories/0104/121636.html
Court accepts case addressing lawsuit limits over loan deals
www5.cnn.com/2004/LAW/01/20/scotus.carloans.ap/
I hope all who read what I post find it all informative!
Do you think any of your local newspapers would ever post this kind of info to inform car buyers of what can happen? NO WAY!