Sacramento Chrysler, Dodge, Jeep, Ram I recently traded in my 2016 Mini Countryman for a new Dodge Ram 1500 from Sacramento Chrysler, Dodge, Jeep, Ram (SCDJR). While with the finance person I asked the individual if I were eligible receive a prorated portion back for extras I had purchased on the Mini. So basically, I lost $2000 because the finance individual at SCDJR was either incompetent or was so focused on the deal, that he gave me wrong information. Sacramento California
I recently traded in my 2016 Mini Countryman for a new Dodge Ram 1500 from Sacramento Chrysler, Dodge, Jeep, Ram (SCDJR). While with the finance person I asked the individual if I were eligible receive a prorated portion back for extras I had purchased on the Mini. These items were Tire & Wheel Protection, Dent Protection, Gap Insurance and an extended maintenance contract.
After reviewing the paperwork for all the previous mentioned extras, the finance individual informed me that yes, I could receive a prorated portion of the purchase prices for these items. He then went on to explain that we needed a release of liability for the Mini, and that we would have to wait until SCDJR paid the Mini off. We then could go to the Mini dealership and cancel the extra items and receive the prorated portion back.
I waited until confirmation of the Mini being paid off, and went to the Mini dealership. It is there that I was told that the finance person at SCDJR was incorrect and that I could not cancel the maintenance contract. The prorated portion of the maintenance contract was just over $2000. So basically, I lost $2000 because the finance individual at SCDJR was either incompetent or was so focused on the deal, that he gave me wrong information.
That’s my story. Was I at fault in this? In retrospect, yes. I should have read the cancelation procedures for the Mini contract. But, when you place your faith in the system, and are dealing with a so- called finance “expert” you would hope they give you correct information. I believe they just wanted to close the deal, and was not truly focused on customer care.
1 Updates & Rebuttals
FloridaNative
Palm Beach Gardens,Florida,
USA
The finance person lied to you
#2Consumer Comment
Fri, November 11, 2016
The finance person is paid extra commission to sell you all those extras. They make a large amount on GAP and maintenance contracts. In order for you to receive the benefit of a cancellation of those items, you would need to cancel the GAP and maintenance contracts first. The credit is then applied to your outstanding loan balance, if any, or sent to you as a refund. If you trade the vehicle, or refi the vehicle, prior to getting the credit, you lose. The finance person knows this very well. They lied to you. If I were in your shoes, I would take the finance person to court individually and the dealership too.
By the way, my opinion is this: there is NO CUSTOMER CARE in the finance office of any dealership. It is buyer beware the entire time you are there. Read your contracts and don't trust one word. In fact, it is much better for your financial health to get your financing at a credit union or bank and never step foot into the finance office of a dealership. Good luck.