Ld
Lumberton,#2UPDATE Employee
Mon, April 13, 2009
In response to this negative report, if this person was told they needed a cosigner it was because of their own negative credit which we had no control over. When it comes to cosigner situations we can use cosigners at some times. Unfortunately there are times when the initial person's credit is so bad that even with a cosigner banks will still turn the deal down. The person with the bad credit has credit so bad that having a cosigner with perfect credit won't help the situation. Lots of these times also we need to talk to certain reps at the banks who are not there on Saturdays. So we will let the customer take the vehicle while we work on trying to get the deal approved. As far as needing to resign the paperwork sometimes mistakes are made or the banks want additional information or other forms signed and we don't know about these additional items until the deal is sent to the bank. Now as far as this return agreement goes, that is just not true. Lots of our banks are electronically funded. There are times that if we have all the paperwork in order that the bank will fund the deal the next day. Meaning that the bank is already processing the check for the dealership as well as processing the customers first statement. If at any time during when this individual says the dealership kept calling to get his grandmother to resign, he could have simply said "no, we don't want the vehicle, we are not signing anything" and he could have brought the vehicle back no problem. The deals are not final until all paperwork is signed and at the bank. This individual does not say why he was not satisified with the vehicle. Furthermore if he didn't want the vehicle why did he not just tell his grandmother that he didn't want it. Then she doesn't sign paperwork and the deal would not have been finalized. At any point if this customer had said he didn't want the vehicle, he could have walked away. This customer says that we just wanted to make a sale. Apparantly he just wanted a vehicle because he was the one who left with it. He was the one who called his grandmother to cosign. He was the one who kept telling her to come resign paperwork which if he didn't want the vehicle, don't sign, simple as that. And why is it if he wanted the vehicle so bad is he not driving it? All I see here is someone who messed up their own credit. Needed a cosigner because apparantly he never paid any bills. Begged for a cosigner but wants to blame the entire ordeal on someone else. He says his grandmother is stuck with a vehicle. How is she stuck when he wanted the vehicle and she was just helping him out? One very important thing to remember is that we didn't make him come here. We are not the ones who made him call his grandmother. We didn't make them keep coming back. And most importantly we did not destroy his credit. If this individual had been responsible with paying his bills prior to this situation he would have been able to buy a vehicle on his own and not need help from anyone.