Right Toyota, ripoff straw purchase, fraud Scottsdale Arizona
I went into this dealership in december of 2003. When my credit was checked, I was told I would need a co-signer. I called my mother in law and she gave the info over the phone to the salesman. He then proceeded to sign her name on the credit app.
Fraud #1. We were told we couldn't take possesion of the car until she signed the papers and since she was out of state they would fed-ex them to her and would call us and let us know when it was all done. 3 weeks pass and they finally let us take the vehicle. When we finally picked up the car we asked if anything needed to be signed they said no.
Fraud #2. By having another person buy a vehicle for someone else is called a straw purchase something I have never heard of, and is a type of fraud. This was not done with our knowledge as far as we knew she was a co-signer.
In April of 2004 I was involved in an accident, when I notified the finance company, they informed me my name was not on the vehicle and they wouldn't release any info on the vehicle to me the person who had been making the payments.
They now have repossessed the vehicle and are trying to make the dealership pay off the loan. But the repo is still on my mother in law's credit. And now we have put over $3500 into this vehicle and are getting none of it back and now have a repo on our credit, and no car.
Natalie
fountain hills, Arizona
U.S.A.
10 Updates & Rebuttals
Boz
Fort Cosmo,Florida,
U.S.A.
The Missing Link
#11Consumer Comment
Fri, July 23, 2004
Hello, My name is Texino and I am a Fetal Stem Cell Researcher.
I also have near Biblical Wisdom and God like patience. These qualities allow me to say that your complaint cannot be considered until you deal with these questions. First, what information do the folk who financed the car have that you do not? Secondly, if they would not give it to you, they certainly would have released it to your Mother-in-law and lastly what was your insurance company doing during all this?
Without knowing the answers, it is possible to infer that maybe your in-law was not told, perhaps you had no insurance and for some reason, you stopped making payments.
Now, I cannot say if any of this is true, but if any of it is, then you are not going to be able to go back and sight the dealer for fudging the paper so you could get a car and he or she could get the sale.
I hope that you will be truthful with yourself in this matter. Just to make certain you understand; The key to this is, why was the car repossessed? It does not make a whit of difference whether you think it was fair or not; just what was the reason. When you answer that question you will know where the real fault is. If the car was insured properly and the payments were current then you would seem to have a valid complaint.
If not, then it is back to square one. Once there, if you want another car, save $10 per week for one month, then $20 per week for the same period. Keep increasing your savings until you reach the limit that you can comfortably handle (even if it is $5) Then wait until you have $2000. Once there, you should be able to find a decent used car or use the money to pay down on a better vehicle. You can't afford a new car, but there are plenty of Hondas and Toyotas out there.
I wish you well and hope that you will not fall victim to sharp business practice. I have to go, as things are backing up.
Sincerely, Texino
Boz
Fort Cosmo,Florida,
U.S.A.
The Missing Link
#11Consumer Comment
Fri, July 23, 2004
Hello, My name is Texino and I am a Fetal Stem Cell Researcher.
I also have near Biblical Wisdom and God like patience. These qualities allow me to say that your complaint cannot be considered until you deal with these questions. First, what information do the folk who financed the car have that you do not? Secondly, if they would not give it to you, they certainly would have released it to your Mother-in-law and lastly what was your insurance company doing during all this?
Without knowing the answers, it is possible to infer that maybe your in-law was not told, perhaps you had no insurance and for some reason, you stopped making payments.
Now, I cannot say if any of this is true, but if any of it is, then you are not going to be able to go back and sight the dealer for fudging the paper so you could get a car and he or she could get the sale.
I hope that you will be truthful with yourself in this matter. Just to make certain you understand; The key to this is, why was the car repossessed? It does not make a whit of difference whether you think it was fair or not; just what was the reason. When you answer that question you will know where the real fault is. If the car was insured properly and the payments were current then you would seem to have a valid complaint.
If not, then it is back to square one. Once there, if you want another car, save $10 per week for one month, then $20 per week for the same period. Keep increasing your savings until you reach the limit that you can comfortably handle (even if it is $5) Then wait until you have $2000. Once there, you should be able to find a decent used car or use the money to pay down on a better vehicle. You can't afford a new car, but there are plenty of Hondas and Toyotas out there.
I wish you well and hope that you will not fall victim to sharp business practice. I have to go, as things are backing up.
Sincerely, Texino
Boz
Fort Cosmo,Florida,
U.S.A.
The Missing Link
#11Consumer Comment
Fri, July 23, 2004
Hello, My name is Texino and I am a Fetal Stem Cell Researcher.
I also have near Biblical Wisdom and God like patience. These qualities allow me to say that your complaint cannot be considered until you deal with these questions. First, what information do the folk who financed the car have that you do not? Secondly, if they would not give it to you, they certainly would have released it to your Mother-in-law and lastly what was your insurance company doing during all this?
Without knowing the answers, it is possible to infer that maybe your in-law was not told, perhaps you had no insurance and for some reason, you stopped making payments.
Now, I cannot say if any of this is true, but if any of it is, then you are not going to be able to go back and sight the dealer for fudging the paper so you could get a car and he or she could get the sale.
I hope that you will be truthful with yourself in this matter. Just to make certain you understand; The key to this is, why was the car repossessed? It does not make a whit of difference whether you think it was fair or not; just what was the reason. When you answer that question you will know where the real fault is. If the car was insured properly and the payments were current then you would seem to have a valid complaint.
If not, then it is back to square one. Once there, if you want another car, save $10 per week for one month, then $20 per week for the same period. Keep increasing your savings until you reach the limit that you can comfortably handle (even if it is $5) Then wait until you have $2000. Once there, you should be able to find a decent used car or use the money to pay down on a better vehicle. You can't afford a new car, but there are plenty of Hondas and Toyotas out there.
I wish you well and hope that you will not fall victim to sharp business practice. I have to go, as things are backing up.
Sincerely, Texino
Boz
Fort Cosmo,Florida,
U.S.A.
The Missing Link
#11Consumer Comment
Fri, July 23, 2004
Hello, My name is Texino and I am a Fetal Stem Cell Researcher.
I also have near Biblical Wisdom and God like patience. These qualities allow me to say that your complaint cannot be considered until you deal with these questions. First, what information do the folk who financed the car have that you do not? Secondly, if they would not give it to you, they certainly would have released it to your Mother-in-law and lastly what was your insurance company doing during all this?
Without knowing the answers, it is possible to infer that maybe your in-law was not told, perhaps you had no insurance and for some reason, you stopped making payments.
Now, I cannot say if any of this is true, but if any of it is, then you are not going to be able to go back and sight the dealer for fudging the paper so you could get a car and he or she could get the sale.
I hope that you will be truthful with yourself in this matter. Just to make certain you understand; The key to this is, why was the car repossessed? It does not make a whit of difference whether you think it was fair or not; just what was the reason. When you answer that question you will know where the real fault is. If the car was insured properly and the payments were current then you would seem to have a valid complaint.
If not, then it is back to square one. Once there, if you want another car, save $10 per week for one month, then $20 per week for the same period. Keep increasing your savings until you reach the limit that you can comfortably handle (even if it is $5) Then wait until you have $2000. Once there, you should be able to find a decent used car or use the money to pay down on a better vehicle. You can't afford a new car, but there are plenty of Hondas and Toyotas out there.
I wish you well and hope that you will not fall victim to sharp business practice. I have to go, as things are backing up.
Sincerely, Texino
Stick
Phoenix,Arizona,
U.S.A.
Natalie read this real good!
#11Consumer Suggestion
Wed, July 21, 2004
Natalie Hi, My name is Stick. I am a consumer Advocate here at Rip Off Report. I am going to try to help you understand some car dealer scams a bit better.
Natalie the very first thing I would do is have your mother in law call up the lender and ask for a copy of the credit app that they got from the car dealer. I am willing to bet that she might get a BIG FAT surprise once she gets a copy.
Many car dealers like to play with the car Buyer's credit app before they send them to auto lenders. Many car dealers will BEND the TRUTH about the car Buyer's income, rent and many other things before they send the car Buyer's credit app to any bank.
I want you to go to the following Rip Off Report. I want you to read it real good, I also want you to look at the photos real good. I want you to think what really happened to this lady. Trust me you will see what I and many others would call FRAUD.
www.badbusinessbureau.com/reports/ripoff52158.htm
Trust me, you DO WANT your mother in law to get a copy of that credit app that the dealer sent to your lender. You might find FRAUD!
The big problem we have in this state is that our AG's office does not have the help to go after the car dealers, or they will not get the help they need to go after auto dealer FRAUD!
Stick
Phoenix,Arizona,
U.S.A.
Natalie read this real good!
#11Consumer Suggestion
Wed, July 21, 2004
Natalie Hi, My name is Stick. I am a consumer Advocate here at Rip Off Report. I am going to try to help you understand some car dealer scams a bit better.
Natalie the very first thing I would do is have your mother in law call up the lender and ask for a copy of the credit app that they got from the car dealer. I am willing to bet that she might get a BIG FAT surprise once she gets a copy.
Many car dealers like to play with the car Buyer's credit app before they send them to auto lenders. Many car dealers will BEND the TRUTH about the car Buyer's income, rent and many other things before they send the car Buyer's credit app to any bank.
I want you to go to the following Rip Off Report. I want you to read it real good, I also want you to look at the photos real good. I want you to think what really happened to this lady. Trust me you will see what I and many others would call FRAUD.
www.badbusinessbureau.com/reports/ripoff52158.htm
Trust me, you DO WANT your mother in law to get a copy of that credit app that the dealer sent to your lender. You might find FRAUD!
The big problem we have in this state is that our AG's office does not have the help to go after the car dealers, or they will not get the help they need to go after auto dealer FRAUD!
Cory
San Antonio,Texas,
U.S.A.
No Complaints Until The Accident
#11Consumer Comment
Tue, July 20, 2004
I wonder why you didn't complain until the accident. You didn't have any problems with the way things were handled before the accident. It sounds like she bought the car and you were making the payments. If there is a repo on your credit , you are on there somewhere. Who was paying the ins.? You are right though, things don't sound right on this deal.
Cory
San Antonio,Texas,
U.S.A.
No Complaints Until The Accident
#11Consumer Comment
Tue, July 20, 2004
I wonder why you didn't complain until the accident. You didn't have any problems with the way things were handled before the accident. It sounds like she bought the car and you were making the payments. If there is a repo on your credit , you are on there somewhere. Who was paying the ins.? You are right though, things don't sound right on this deal.
Cory
San Antonio,Texas,
U.S.A.
No Complaints Until The Accident
#11Consumer Comment
Tue, July 20, 2004
I wonder why you didn't complain until the accident. You didn't have any problems with the way things were handled before the accident. It sounds like she bought the car and you were making the payments. If there is a repo on your credit , you are on there somewhere. Who was paying the ins.? You are right though, things don't sound right on this deal.
Cory
San Antonio,Texas,
U.S.A.
No Complaints Until The Accident
#11Consumer Comment
Tue, July 20, 2004
I wonder why you didn't complain until the accident. You didn't have any problems with the way things were handled before the accident. It sounds like she bought the car and you were making the payments. If there is a repo on your credit , you are on there somewhere. Who was paying the ins.? You are right though, things don't sound right on this deal.