Complaint Review: Garden City Nissan

Where did you live in Junior High?
1974 Sir John A Mcdonald jr High Calgary Alberta
Life Skills class
Basic loans, morgatges and credit cards were covered.
1978 LTCHS High School Red Deer AB Covered again and we had to do the math on the loan so we could spot a rip off.
If loans weren't covered at least twice you should sue your school district.

Actually read dozens of similiar complaints on various site about Garden City Nissan
- And you can read dozens of similar complaints about other dealers as well.  The point is that what a dealer tells you is meaningless.  They could tell you that the exhaust pipe shoots out gold bars but unless they put it in writing that has about as much weight as a grain of sand compared to Mt. Everest.

The fact is that your wife screwed up by believing the salesman in that somehow $16K out the door equaled 19,7880.80 on a legally binding contract.

As for the loan of course you are going to pay more interest in the beginning.  Because you are paying a set amount every month and it is most likely a simple interest loan that is the way that it(and just about every other car loan) works.  Oh and I have another shock for you, the second you signed the paperwork it is no longer a new car and worth several thousand dollars less than you paid for it.  So you will be upside down(meaning you owe more than the value) on the car for a majority of the loan.

Now with that said I will say one thing about the extended warranty.  It may have a cancellation clause.  So can you guess what I am about to say....You have to READ what is in WRITING in the warranty to see if you can cancel, if you can you need to follow that procedure.

"She was mislead to believe it was some how the total price, with fees and taxes. But it wasnt, she has never bought a new car before and trusted the employee's"

First mistake. Car dealer, trust?

"and no I dont know many people who learned about loans in Junior High."

Apparently, you have never financed anything either, like a house, car, borrowed money for college or to pay bills, etc.

The Police do not investigate this type of matter, it would be a leagal one to try in Civil court. if a crime is proven or suspected then the Police and District Attorney would get involved. You look like a fool, answering No, about others suffering the same problem with the same Dealer. They are on Line @ various sites , Many!!! who have the same complaints!

Actually read dozens of similiar complaints on various site about Garden City Nissan. As well as the same believed fraud being committed on other buyers. As for the interest payments, loan officer for dealer never clarified, and no I dont know many people who learned about loans in Junior High.

She was mislead to believe it was some how the total price, with fees and taxes. But it wasnt, she has never bought a new car before and trusted  the employee's.

There are so many things wrong here.

"My wife agreed on a out the door price of 16,000 for a 2012 Versa. The contract she signed was for 17,961.98 plus taxes & fees came out to 19,788.80.  "

   Does your wife even know what an "out the door" price is???   Why would she sign a contract for $19,788 if she agreed to pay $16K out the door?    If you're considering legal action (other than the bogus "class action" rhetoric), you'd better come up with a compelling reason for that.   Signing a sales contract that says $19,788 on the bottom of it trumps any claim of what was orally agreed to.

" Daniel sold her a warranty, but hid it in the price of car.  "

   Are you claiming that it is not itemized on the contract?   Or is it another one of those little things that your wife didn't read, like the price at the bottom of the contract?   

" Finance also has interest first in payment, principal last. Bigger payments for longer time. "

   I was going to suggest that maybe you should accompany your wife next time she buys a car, but the above statement implies that you are equally clueless.  Good luck with that.

Whether or not somebody is buying a car for the FIRST time or the 100th time...you READ the contract BEFORE you sign it!  I mean, how much IQ does it take to know you better know what you're agreeing to, BEFORE you agree to it????????????????

You can blame the dealer all you want, but ALL of this could have been avoided by READING the contract BEFORE signing it.

Talk about sounding foolish!

How do you "hide" the price of a warranty in the "price" of the car?  A warranty is a line item in the contract.  There's nothing hidden there.  From your wording of your report, sounds to me like you wouldn't know what to do either!

1st BBB
2nd Complain to police if you think you have any chance of proving fraud.
3rd Complain to Nissan Corporate office.
4th Go to the lender and claim fraud, you are not financed by Nissan but a bank or third party lender.

By the way your complaint of how you payments are calculated just makes you sound foolish. All loans are this Way. All accrued interest is paid first and the remainder against principle. Just like you were taught in Junior High school.

A class action requires a large number of people to team up, do you know a large number of people who were ripped off exactly the same way by the same dealer? No, then again you sound foolish and will need to hire your own lawyer.

"She was told that was the actual price"

Did she respond with, 'That's $3788 above the agreed price' or did she say nothing?