Complaint Review: Chicago Lenders - Cactus Jack - Mesa Arizona

First of all, what do you expect if you buy your car from somebody named "Cactus Jack?" If they didn't want to sell you a Camaro, then you had no obligation to buy anything from them. They didn't hold a gun to your head and force you to buy something else - you agreed to buy something else.

True, you bought a P.O.S. truck. You might have avoided this by having it checked out by a good mechanic before buying. Once you close on an "as is" contract on a used vehicle, all future problems belong to you. As for their business practices, I think your argument lacks any basis in reality. They are not required to renegotiate anything with you. They already have a contract with you. As for paying for half of the repairs, why should they? If car lots went around forking over money for repairs to used vehicles that were sold months before, they'd be out of business in no time. The bottom line is that what you are asking for is unreasonable.

I accept responsibility. I know it's my fault for buying a P.O.S. My complaint is there business practice. They were not willing to negotiate anything. The were not interested in selling me the Camaro. Nor were they willing to pay half for the repair to the truck. They wanted me to come up with half down and add the balance to my payment. Cactus Jack and Chicago Lenders are only interested in one thing, and it's not to make a happy customer.

There is so much wrong with your complaint, and all of it is your responsibility. 1) You really wanted a Camaro, but let someone talk you into a SUV against your will? If you want a Camaro, then just buy one in the first place. Hardly a "ripoff" if you let someone else change your mind that easily. 2) Then you thought your trade in was worth $2000 instead of $800. I guess you should have just sold it yourself for the $2000 then instead of deciding to trade it in. Anyone who has ever traded in a car knows you don't get full value, since the dealer needs to make a profit on the resale. 3) You drove the truck for 4 months and 4000 miles and then it broke down. Boo h*o. Guess what, used vehicles sometimes occaisionally need repairs; I guess you should have bought one with a warranty if you expect someone else to pay. How is that their fault after all that time on an "as is" sale? It sounds to me that they went above and beyond to satisfy you by even agreeing to pay half. 4) You abandoned the truck after deciding you couldn't afford to even pay for half of the repairs, and then went and bought a Camaro anyway. How did you get the money to buy the Camaro? After abandoning the truck, why would you figure you can just give it back,owe nothing, and drive by in your Camaro? Unbelievable!

Of course you still owe them money. you agreed to pay them $x.xx for the truck. This amount was based on the cost of the truck plus the interest rate which was based on YOUR credit. The finance co paid the dealership the total amount you agreed to pay them...why would they accept anything less from you as repayment? Then they would be out that money through no fault of their own. Anything was not recovered through the auction process IS YOUR responsibility to pay.