Complaint Review: Marshall Motors - Chandler Arizona

Buy here Pay here car lots are not banks. That law applies to BANKS. Commercial lenders. Not some fly by night car dealer. They can repo immediately upon default. They do not have to give you an option to get the car back, or anything else. This is what these type of car lots count on! Also, it does not matter if a car runs or not as far as insurance goes. If the car has tags on it, you NEED insurance. PERIOD. You can turn in the tags and sign an affidavit at the MVD that you will not operate the vehicle and you will have no problem.

Marshall Motors reposessed BOTH of my in-laws vehicles on 02/09/2006 and by law had 12 days to send them notice, IN WRITING, that the vehilces had been repossessed, why and how much they had to pay to get them back. They ar also required by law to notify them within 12 business days of their intent to re-seel the vehicles at auction. NOTHING has ever been received since the repo (no calls and nothing in writing!) so at this point I am going to advise them to begin checking their credit reports in about a month or so to see if anything is being reported by these con artists. They claimed that in addition to being nine days late, they also failed to have insurance on the car; the car didn't even RUN! It needed a new engine and they had to sink so much money into the truck they had also gotten that they didn't have money left to get the new engine right away. They had to have all the tires, the brakes and the shocks replaced on the truck they had gotten and the truck still needed to have the CV joints replaced.....They simply couldn't keep up with the cost of the repairs, the payments and the insurance on a car that wasn't even being driven. They are on a limited income and both are disabled.... Marshall Motors took advatage of them and now they are not following the letter of the law. Marshall Motors is a bunch or RIP OFF ARTISTS, selling old junked out vehicles at sky high prices and it's a buy here pay here SHAM! They don't bother to report your payments to any of the major credit reporting agencies but by god, they'll sure come snatch up your junker that doesn't even RUN the minute you're late on a payment!

Marshall Motors reposessed BOTH of my in-laws vehicles on 02/09/2006 and by law had 12 days to send them notice, IN WRITING, that the vehilces had been repossessed, why and how much they had to pay to get them back. They ar also required by law to notify them within 12 business days of their intent to re-seel the vehicles at auction. NOTHING has ever been received since the repo (no calls and nothing in writing!) so at this point I am going to advise them to begin checking their credit reports in about a month or so to see if anything is being reported by these con artists. They claimed that in addition to being nine days late, they also failed to have insurance on the car; the car didn't even RUN! It needed a new engine and they had to sink so much money into the truck they had also gotten that they didn't have money left to get the new engine right away. They had to have all the tires, the brakes and the shocks replaced on the truck they had gotten and the truck still needed to have the CV joints replaced.....They simply couldn't keep up with the cost of the repairs, the payments and the insurance on a car that wasn't even being driven. They are on a limited income and both are disabled.... Marshall Motors took advatage of them and now they are not following the letter of the law. Marshall Motors is a bunch or RIP OFF ARTISTS, selling old junked out vehicles at sky high prices and it's a buy here pay here SHAM! They don't bother to report your payments to any of the major credit reporting agencies but by god, they'll sure come snatch up your junker that doesn't even RUN the minute you're late on a payment!

Marshall Motors reposessed BOTH of my in-laws vehicles on 02/09/2006 and by law had 12 days to send them notice, IN WRITING, that the vehilces had been repossessed, why and how much they had to pay to get them back. They ar also required by law to notify them within 12 business days of their intent to re-seel the vehicles at auction. NOTHING has ever been received since the repo (no calls and nothing in writing!) so at this point I am going to advise them to begin checking their credit reports in about a month or so to see if anything is being reported by these con artists. They claimed that in addition to being nine days late, they also failed to have insurance on the car; the car didn't even RUN! It needed a new engine and they had to sink so much money into the truck they had also gotten that they didn't have money left to get the new engine right away. They had to have all the tires, the brakes and the shocks replaced on the truck they had gotten and the truck still needed to have the CV joints replaced.....They simply couldn't keep up with the cost of the repairs, the payments and the insurance on a car that wasn't even being driven. They are on a limited income and both are disabled.... Marshall Motors took advatage of them and now they are not following the letter of the law. Marshall Motors is a bunch or RIP OFF ARTISTS, selling old junked out vehicles at sky high prices and it's a buy here pay here SHAM! They don't bother to report your payments to any of the major credit reporting agencies but by god, they'll sure come snatch up your junker that doesn't even RUN the minute you're late on a payment!

Marshall Motors reposessed BOTH of my in-laws vehicles on 02/09/2006 and by law had 12 days to send them notice, IN WRITING, that the vehilces had been repossessed, why and how much they had to pay to get them back. They ar also required by law to notify them within 12 business days of their intent to re-seel the vehicles at auction. NOTHING has ever been received since the repo (no calls and nothing in writing!) so at this point I am going to advise them to begin checking their credit reports in about a month or so to see if anything is being reported by these con artists. They claimed that in addition to being nine days late, they also failed to have insurance on the car; the car didn't even RUN! It needed a new engine and they had to sink so much money into the truck they had also gotten that they didn't have money left to get the new engine right away. They had to have all the tires, the brakes and the shocks replaced on the truck they had gotten and the truck still needed to have the CV joints replaced.....They simply couldn't keep up with the cost of the repairs, the payments and the insurance on a car that wasn't even being driven. They are on a limited income and both are disabled.... Marshall Motors took advatage of them and now they are not following the letter of the law. Marshall Motors is a bunch or RIP OFF ARTISTS, selling old junked out vehicles at sky high prices and it's a buy here pay here SHAM! They don't bother to report your payments to any of the major credit reporting agencies but by god, they'll sure come snatch up your junker that doesn't even RUN the minute you're late on a payment!

It sounds like they have two cars from Marshall (well, only one now). Depending on how airtight the contract is, they may be "cross- collateralized." This means that if you don't pay on one and it gets repo'd and you still don't pay, he can repo the other one too! Even though you are current on payments for that one. Or he could refuse to give you clear title to it after it is paid off until you also pay off the deficiency balance on the repo'd one. When you are ONE DAY late on a car payment, the loan is legally in default. I don't know of any states that don't allow repo immediately after default, that is ONE DAY late. Also no lender is required to give advance notice by phone or letter. The most he can demand to get the car back is the balance of the loan (total of remaining payments minus remaining interest) plus justifiable repo fees usually $300-$400. But he can demand that amount as a lump sum. If you can't pay that much at once and need to pay it over time, then you are essentially buying the car from him all over again and he can charge whatever he wants. You should look at local court records and see if he ever actually sues anyone. Usually it is a bluff. If he wants the keys back that badly you should make him sign something that says the keys and the car have been returned, and he agrees that this is the end of the contract and no further money is due to him. DO NOT sign anything that he wants you to sign, it will just take your rights away.

I was right there with you until I read this part: "So anyway, they were late with their payment by 9 days;..." You're going to have make a case against them some other way, but not on the repo issue.