Complaint Review: Schumacher Buick GMC Chevrolet - Lake Park Florida

If you can no longer afford the car payments, then sell the car to a third party. Not to any dealership. Do as one of the others mentioned and find out the actual market value of your vehicle so you don't get taken advantage of again.

By the way, car dealerships specialize in taking advantage of customers - or trying to take advantage. It is the consumers responsibility to walk away from the deal if the price or terms are not right. I understand that you had no idea about your husband's subsequent diagnosis so your information on which you made your decision was incomplete. I totally get that. However, the dealership isn't looking out for you or your husband. They are looking out for their bottom line. That is all they do. That's why you have to safeguard yourself for any any vehicle, or large, purchase. 

You will never be able to get anywhere close to market value by going back to the dealership. You only dig a larger hole. The very best thing is to sell it to someone directly that is not involved in the car business. There are many ways to do that legitimately. That way you get paid retail (or close to it) value and can pay off your loan.

This will give you a zero balance to go out and buy another used vehicle that more closly aligns with your new financial situation.  Caution: your vehicle sales price may not be large enough to pay off the loan if you chose to finance a high LTV. So take that into account. You may have to bring money to the transaction to pay off the loan entirely. DO NOT TRADE your vehicle as that results in a much lower price to you. The numbers appear higher but they yield you a much lower amount and you will be in a world of hurt financially. Much worse off than you are now.  

There is no such thing as a 3-day cooling off period when buying a car - this is both Federal law and law in the state of Florida.  There is no longer any 3-day cooling off period when buying a new car in Pennsylvania either, and there hasn't been for many years...  Once you sign that agreement to buy a car - that's it.  Changes in your life situation even one day after purchase means nothing under the law.

At this point, whether you think they lied to you, or not, regarding the pricing of the vehicle, is irrelevant.  The time to bring that up is before the purchase of the car, not after.  It's the primary reason you need to carefully consider whether you can afford to buy a new car.

I know in PA they have a 3 day period to return

That is incorrect. Not sure why you brought up PA since you are posting out of FL. But there is NO such law in either State(or any other State that I am aware of) that allows for a consumer to return a car within 3 days. There are exceptions for cases such as dealer fraud or mis-representation. But NOTHING you posted here shows this is nothing more than a case of Buyer's Remorse.

I love the car. Do you really think I want it to get repossessed?

You can't have it both ways. Loving the car has nothing to do with getting it reposessed. If you love the car, then why don't you try to find a way to keep it? If you can't afford it why would that affect the car being reposessed? Should everyone who "loves" the car but can no longer afford it be allowed to just return it to the dealer? I can guarantee that YOUR answer, based on your posts so far, will help you answer your question about playing the cards.

Do you think I made this up for your pity

- I don't think it is made up, but it was put here to make your situation sound sympathetic.  Why else would you post all of this unless you wanted them to make an exception due to your circumstances. After all if there is a 3 day return policy, they would have violated that and that would have been all you needed to say. The fact that you added all of the extra shows you know that is not really the case.

I appreciate all of your comments, I am sorry that I don't have the time to answer all of you.  I wish you all much happiness in your lives. 

When was telling the truth about a matter considered poker cards. Sorry I guess I missed listing every ailment.

I know in PA they have a 3 day period to return. I love the car. Do you really think I want it to get repossessed? Do you think I made this up for your pity? I literally had the best day and the next day my world fell apart. 

As far as the Veteran discount, I found out that the salesman lied to us. I thank my husband every day for his service in every war since and including Vietnam. I am very proud of him and his accomplishments. 

Now did I pull out all the cards. Quick go bet!

If you have nothing useful to say, then don't respond. Keep it to yourself and hope that one day you don't find yourself in a situation like this with your spouse dying and not knowing how to cope with it. Best wishes!

 A three day return policy is NOT usual! If there is such a policy, it is clearly written in the contract.

Probably the thing you should NOT have done is go into a dealership to buy a car before you had the doctor's appointment that diagnosed your husband with cancer.  I mean you had to know about the appointment prior to walking into the dealership, right?  When you are older, you should not be making large ticket purchases before a doctor's appointment.  It has nothing to do with the dealership.

On August 2, 2019,  I returned to the dealership...  I'm trying to figure out why you thought it was a good idea to come back to the dealership after the car was bought?  I mean you signed a contract that stated several times when you bought the car about no cooling off period, indicating the sale was final.  You cannot just return the car for a refund as if it were clothing that didn't fit correctly.

I spoke to Cesar our sales representative and they will take back the car for 20,000 less than we paid  Yeah I would not do that deal.  You could probably sell it for maybe 20% of the car's original price - I would check KBB for the pricing on your car.  But at this point, I would not contact the dealership.

Whatever happened to people actually caring about each other.  That's why there are contracts when it comes to the sale of large ticket items.  You bought a car.  You agreed to buy the car.  You simply should NOT have bought the car.  The question isn't whether people care for one another.  You should be asking yourself is how could I have been so stupid to buy a new car at this point in my life?

Is there any legal action we can take for elderly abuse?  Not based on what you've written to this point.  The only way I could see the contract being rescinded is if you were mentally incompetent at the time you bought the car and could not enter into a contract.  Based on your actions and your narrative, I would say you were in your right mind and able to enter into a contract.

Car dealerships usually have a 3 day return period. Not that I had ever used that before or ever intended to. The bank was also made aware of the drastic income change 2 days after the purchase and asked to deny the transaction since there is 30 days to do that. Sorry elder abuse was the wrong wording, more like taking advantage of us. Thanks for your help. I will pray for you.

To play as many cards as you did, you must like Poker.

Senior Citizen - Check.

Disabled - Check

Surgery - Check

Terminal Cancer - Check

Veteran - Check.

Yep, you played just about every card you could.

Don't take this as being insensitive to your situation. As while I greatly appreciate your Husband's service and sacrafice for our Country, none of that has anything to do with this. The ONLY reason you mentioned that is to gain sympathy in trying to get them to make an exception.

When you buy a car all sales are final. They aren't final...well unless you have a very good reason. They aren't final..well unless you no longer can afford it.

Not to say that the dealer couldn't do something, just that them NOT doing what you want is NOT a RipOFF.

But I guess I shouldn't expect anything from a company who doesn't even support our troops with any kind of discount.

- The time to complain about a lack of discount was BEFORE you bought the car. If they refused and the discount was important you should have walked out. After the fact it just becomes a case of buyer's remorse. Them not willing to just let you return the car is no indication as to if they do or do not "Support the Troups".

Is there any legal action we can take for elderly abuse?

- Elder Abuse? Are you serious? You went to the dealer, agreed on a price for a car and bought the car. They are under ZERO obligation to allow you to return the car just because your situation changed.  I will give you one piece of advice here so you don't get truely Ripped Off.  If you do ever run across an attorney or company that does say that they can help you, but require you to pay money up front...run the other way.  As they may be the true scammers who are trying to take advantage of your situation.

Good Luck and hope it all does work out for you.

You signed a contract with this company and once you drive a car off the lot is does depreciate in value. Using your husband's status as a Veteran has no bearing on this report because you made a deal that was in writing.  IF you are both disabled then you are living way above your means by purchasing a sports car out of your budget. And how do you know that they don't support the troops?

Stop playing the victim card. I have worked with the elderly for quite some times and I can tell that these individuals are not in their homes and are living off Medicaid in Nursing Homes with no cars or luxuries like a Camaro. They get 60.00 a month!!! So you made a purchase without thought and now want a lawyer?? Good luck. And NO I do not work for this company - car dealerships suck big time but they do not employ SWs

 Being a veteran, being elderly, being sick has ABSOLUTELY NOTHING to do with any of this! You bought a car you couldn't afford!

Clear cut case of BUYER'S REMORSE with one sympathy card after another thrown in to try to justify yourself! It ain't gonna work here, lady!