Rebecca
Gilbert,#2Author of original report
Thu, October 29, 2009
I called Midway because I heard an ad on the radio that they had used vehicles for Red Tag Sale Event. I called to inquire if they had any used convertible BMWs. I was called stating that they did and I have three calls recorded on my machine proving they said they had them. The guy said to go online and print out a $500.00 coupon, and come drive it. They did not have any BMWs as they said they did and then started pushing the Sebrings on me. I went to get my Mom 40 miles away to come and co-sign because Midway told me that even though my credit was decent, I was too over extended for a good rate to keep my payment low. When we returned to the dealership to both our surprise, the loan paperwork was in her name alone. She had excellent credit so they said the payments would be lower, the interest rate was lower and they needed no down payment. Great for everyone involved! They took my car on a trade on 11-25-08, funny how the new contract ended up being that same day and that they gave me no credit at all for my car (I have pictures of my Lexus, great condition and I have a copy of what it was sold for by Midway) on the new contract. They even told the bank (who was very upset by this) that the trade in was my moms car and I had to fax the bank a copy of the registration to prove it was my car. We would never have agreed to these terms and allow them to add all of this money on to a new contract and resign it. 12 -24-08 : Found out that Midway cashed checks that I wrote to them with no dates ( see copies), before my Mom was on the loan. Scott Collins the salesman told me they would rip them up and not cash them because they no longer needed a down payment now that my mom was the only one on the loan. I went to the dealership on the afternoon of Christmas Eve after because I found out the checks were cashed and that I was not able to use my debit card to purchase a Christmas gift for my daughter. When I got there I spoke with Scott first and confronted him on the many times he avoided my calls, never answered his phone when it was me or returned my calls. I spoke with Scott at least 4 times about why my payments were so high and when I would receive my warranty information. I also told him my car did not have the Lojack that I paid for (even though they gave away free that same weekend, and charged me $2780.00 instead of the $1500.00 we agreed upon) because I called and spoke with Amanda Bradley at Midway (602-387-7595) and she confirmed I did not have the Lojack in the Sebring. I didnt learn of the payment amounts until a few weeks later when I got the payment book in the mail. So I didnt inform them of this immediately because of course, I had no idea until the book came and I called immediately! When I drove to the dealership on 12-24-08, I told Mark Rahn (GM) that they were not supposed to be cashed only ripped up, he agreed and said they would give me back the check fees. At no time did I agree to give them another $1500.00 in checks. They deposited them all on the same day and filled out a form for it that was not signed by me or my mom. I also stated that my monthly payments were much more than agreed upon. He took all paper work from me that I had dated 11-23-08 along with my payment book and left for approx 20 min. When he returned he gave me some paperwork back, less the contract and we argued about it and he played dumb like he didnt know what I was talking about. He then stated he would return my overdraft fees, but could not that day because finance was closed (even though they were still selling cars) I left the dealership and drove about 5 miles and turned around and came back because I refused to leave without the contract. They still wouldnt give it to me. This is just how I wanted to spend my Christmas Eve. I called Huntington bank on Monday 12-29-08 and that is when I realized the loan was for $28,108.00. I told them I needed a copy of the contract and they faxed it and also mailed one to me (see letters from the bank as proof I had to request a copy of the contract). It was not the same one that was signed on 11-23-08 for $16,000.00. The interest rate also increased by 3% and at that point I knew why Mark Rahn took the original contract and didnt return it to me. He knew what they had done and thought he stole the only proof I had. After a few months and letters to The Attorney Generals office and The BBB (who never even acknowledged me after they gave me a case #) and RipoffReport.com. (Please note that I was so confused as to what they did with numbers and contracts that my earlier letters to the A.G. and everyone else are not as accurate as they are now, now that I know what they have done. I was contacted by Stick Bogart at Ripoffreport.com and he told me to call the bank and get a copy of the credit application faxed to me immediately. When I received it I was stunned at the lies the dealership told the bank. Please see the copies of both credit applications, the one I filled out and signed before my Mom got to the dealership and the one the dealership filled out. The dealership never had my mom sign one and the bank didnt even bother to check and see why there was a monthly income of $3860.00 with an employment status of 6 years with no employer listed to verify this. Then they listed $2750.00 monthly from SSI for her. The dealership had to lie because she didnt make enough for them to approve the $28,108.00 loan. It was never that much money to begin with. Please notice the dates in the lower left hand corner of the credit application and make note of when the paper was printed. Moms signature was on a piece of paper dated 11-02-08, the rest of the typed (by the dealership) application was printed on 11-30-08. Making it impossible for her to have signed that typed credit application. I faxed a copy of her SSI income to the bank for proof that they lied. I guessed on my hand written application on what my mom made monthly and what I signed to is not what they put on the application either. The bank never called my mom to verify the missing information on the credit application; if they had we wouldnt be in this mess right now. The bank is also at fault, but washed their hands of us and left us to deal with the scumbags at Midway Chevrolet and the Van Tuyl Group or Automotive Investment Group! Now that I know how they got the loan approved for that ridiculous amount, it has become a credit application forgery issue even more so than a contract issue. If they didnt forge the credit application there wouldnt have been a contract, period!! The interest rate and loan amounts changed. The dealership on 11/30/08, printed and typed a new credit application with inflated monthly income for my mom so the bank approved the loan. They then faxed it to the bank on 12-01-08, using their entirely made up income amounts so the bank would approve it. All this time we thought we owned the vehicle. Never take possession of a vehicle without the banks signature and info and interest rates along with payments being on the contract and a COPY OF THE CREDIT APPLICATION in your hands. The dealerships lie and tell you that you are financed but you really are not. Since all this had taken place I informed Huntington Bank of the fraud in March 2009 and by April 13, 2009 the bank made the dealership pay back every penny and then some. All this time I had been making payments to the bank to save my moms credit. The bank kept the payments I made and told me I had no further obligation to them, and that Midway paid them in the full amount of the loan (not less any payments) even though I still had possession of the vehicle. Then I receive a letter from their attorney approximately 4 months later saying I wasnt making any car payments. I eventually met with their attorney who wanted us to sign paperwork and said that if I can show him the fraud he would help be done with this nightmare they would take the car back. I agreed to this as long as he faxed me what he wanted me to sign. Of course it wasnt doing us any favors, so I refused to sign this and he refused to put the paper work in plain English so it can be read without an attorney. That is all I asked for and he would not do it! I still to this day have the vehicle and it is still registered with the lien holder as the bank and in my moms name even after being paid off over six months ago. Now their lawyer has these people harassing me and my mom looking in our windows and telling our neighbors there is a warrant for my moms arrest. By the way mom is 65 years old and is horrified by all of this and very scared and has never been in trouble or even paid a bill late in her life!! Midway Chevrolet is the hell hole of the car dealerships and everyday keep stooping to the lowest level. All people listed in this are STILL working for either Midway or another one of their many dealerships. They have their own training sessions to teach new scumbags how to Screw over their consumers. We know this because some are undercover. Bet you would love to know who they are huh Mike???? We have tried for almost a year now to get in touch with Mr. Larry Van Tuyl to let him know the type of people he has working for him. Those very same people including his own lawyers will not inform him of our calls, e-mails and visits to his offices. We are not even sure that he knows what is going on. I have a feeling they are stealing from him too! Why else would his lawyers help them cover up all this dirt without informing him directly of what they have done and are doing??? I believe Midway Chevrolet A.K.A. Van Tuyl Group or AIG, Auto Investment Group, that owns over 65 dealerships across the country has done this to many people even at their other dealerships. To see for yourself other cases of people being put into fraudulent loans by them @ Ripoffreport.com. There is going to be an article done by a large media source and they will expose them and hopefully others. I do not want other consumers to be scammed and that includes the banks as well. This is what got the mortgage industry in a mess and eventually added to the collapse of our economy, except now it is the Auto dealers that take our stimulus money and keep ripping off the unsuspecting consumers by thousands of dollars every day. IF ANYONE NEEDS THE NAMES AND NUMBERS OF ALL INVOLVED WHO HAVE PERTINENT INFORMATION WITH THIS FRAUDULENT LOAN AND BANKING FRAUD THEY ARE AS FOLLOWS: E-SERVICE INC COLLECTION AGENCY ID # 51669-1: CONTACT MARK MCTOOL: PHONE NUMBER 480-982-5124 OR 800-378-3651 & FAX # 480-983-1605 HUNTINGTON BANK FRAUD DEPT: INVESTIGATOR JACKIE YOCHUS WHO KEPT ALL PAYMENTS MADE BY ME AND WAS PAID IN FULL BY THE DEALERSHIP. PHONE NUMBER: 614-480-2395 & FAX # 614-480-1279 E-MAIL [email protected] MIDWAY CHEVROLET: SALESMAN: SCOTT COLLINS, FINANCE MANAGER: GARRETT HERRMANN GENERAL SALES MANAGER: MARK RAHN & MANAGER JOHNNY BHATT, PHONE # 602-866-0102 FAX # 602-387-7512. MIDWAY CHEVROLET ATTORNEYS NAME: MICHAEL MALEDON PHONE #S: MAIN: 602-230-1051 DIRECT LINE: 602-200-7595 & FAX # 602-266-0564 / EMAIL: [email protected] ATTORNEY GENERALS OFFICE THAT DOES NOT RETURN CALLS OR KEEP HIS WORD THAT HE WILL CALL ME BACK EITHER WAY: SPECIAL AGENT, SPECIAL INVESTIGATIONS SECTION: RONALD GIBSON PHONE: 602-542-7929, FAX 602-542-4882 OR [email protected] ARIZONA INVESTIGATIONS SERVICES: USES THE SEAL OF THE STATE OF ARIZONA AND CLAIMS TO BE A POLICE OFFICER WITH A WARRANT AND TRESPASSES ILLEGALLY AND SHINES BRIGHT LIGHTS IN YOUR WINDOWS AT 10:30 AT NIGHT AND TELLS YOUR NEIGHBOORS HE WILL ARREST YOU! HE LEFT HIS CARD IN THE DOOR WITH THE NAME JOHN ANDREWS: OFFICE NUMBER 1-866-667-9908 EXT 1125. I have also been harassed by another so called investigator who also left his card in the door and his name is Robert White phone number 623-882-4815.