Complaint Review: R & H 2008 Inc - HAINES CITY Florida

BE AWARE OF THE ILLEGAL PRACTICES OF THIS COMPANY. MASTERS OF FRAUD. STAY AWAY FROM THIS CHARACTER AND HIS BROTHERS-CHANEYS AUTO SALES IN AVON PARK FL.

THESE COMPANIES PREY ON THE MINORITIES AND ARE WELL KNOWN FOR SELLING THE MOST CARS IN CENTRAL FLORIDA AND ALSO REPOSESSING THE MOST CARS.

WHAT IS THEIR SCAM? THEY PREY ON THE UNSUSPECTING  WHO CANNOT FINANCE EASILY. THEY ASK FOR A LARGE DOWN PAYMENT TO COVER THEIR COSTS THEY BOUGHT THE CARS FOR FROM THE AUCTION AND REPOSESS AS MANY AS THEY CAN, EVEN REPOSESSING A DAY OR TWO AFTER THE DUE DATE AND SELLING THE CAR TO ANOTHER UNSUSPECTING MINORITY FOR A LARGE DOWN PAYMENT, WHICH IS NOW PURE PROFIT AND FOR THE SAME AMOUNT OR MORE THAN THE FIRST BUYER PAID.

THE BIGGEST PROBLEM IS THEIR CLIENTELE ARE NOT AS EDUCATED AS THEY SHOULD BE AND MOST DO NOT KNOW HOW TO STOP THESE THIEVES. WHILE IT IS TRUE THAT  THEY HAVE THE RIGHT TO REPOSESS A CAR THAT IS LATE, THEY HAVE THE LAW STATING THEY HAVE TO 1) NOTIFY THE CUSTOMER OF THE SALE AND 2) PAY TO THE CUSTOMER ANY DIFFERENCE IN MONEY OVER THE AMOUNT THEY OWE.

SO MANY PEOPLE HAVE THE RIGHT TO GET BACK SOME OF THEIR MONEY FROM THESE CROOKS BUT THEY DO NOT FOLLOW THE LAW AND NOT ONLY DO NOT NOTIFY PEOPLE BUT THEY DO NOT PAY ANYONE BACK THE MONEY THEY OWE THEM.

YOU MAY THINK YOU HAVE TO HAVE MONEY TO FIGHT THESE SCROUNDRELS BUT ALL YOU NEED TO DO IS FILE A COMPLAINT WITH THE DEPARTMENT OF CONSUMER AFFAIRS AND ALSO I THINK ALL OF THE PEOPLE WHO HAVE BEEN SWINDLED BY THESE FOLKS SHOULD GET TOGETHER TO DO A CLASS ACTION SUIT AND SHUT THEM DOWN. WRITE LETTERS TO YOUR CONGRESSMEN, SENATORS AND EVEN THE PRESIDENT ON HOW THESE MINORITIES ARE BEING SWINDLED.

AN EMPLOYEE OF THIERS STATED THAT IN AUGUST CHANEY'S USED CARS HAD ALREADY MADE 9 MILLION DOLLARS FOR 2009. 9 MILLION DOLLARS THAT THEY SWINDLED BY PREYING ON THE MISFORTUNATE. ALOT OF THAT MONEY SHOULD HAVE BEEN RETURNED WHEN THEY SOLD THEIR CAR FOR TOP DOLLAR BACK AGAIN TO OTHERS.

SEND CERTIFIED LETTERS TO THEM ASKING THEM FOR WHEN THE CAR YOU HAD WAS SOLD AND FOR HOW MUCH MONEY. ESPECIALLY HELP YOUR NEIGHBORS IN AVON PARK, ASK AROUND, AND ESPECIALLY IF THEY ARE A DIFFERENT NATIONALITY, TELL THEM ABOUT THE SWINDLE. THEN ASK THEM TO CALL CHANEY'S AND ASK FOR THEM TO RETURN THE DIFFERENCE. TELL THEM A CLASS ACTION SUIT AND A PETITION IS BEING CIRCULATED TO HELP THEM. PLEASE WRITE THEIR NAMES IN TO DEPARTMENT OF CONSUMER AFFAIRS IF THEY CANNOT DO SO AND HELP THEM GET TOGETHER WITH ALL OF THE OTHERS TO STOP THIS TYPE OF SKIRTING THE LAW AND RIPING OFF THE WORKING CLASS.

THEIR EMPLOYEE ALSO SAID THAT THEY ARE DOING ILLEGAL ACTIVITY THERE BY PAINTING CARS NOT IN COMPLIANCE WITH EPA. THERE ARE NO BOOTHS NOR ANY MEANS TO PROTECT THE ENVIRONMENT NOR NEARBY NEIGHBORS FROM THE FUMES AND CONTAMINENTS. PLEASE IF YOU LIVE IN THE VACINITY OF CHANEY'S USED CARS IN AVON PARK, CALL EPA AND ASK THEM TO CHECK OUT YOUR PROPERTY TO SEE IF YOUR LAND HAS BEEN CONTAMINATED BY THESE PEOPLE.

THERE ARE SO MANY OUT THERE THAT HAVE BEEN BEATEN DOWN BY THE CHANEY'S BECAUSE THEY DID NOT KNOW THE LAW. IF YOUR CAR IS REPOSESSED AND YOU ARE EITHER MET WITH SCREAMING AND HOLLERING BY JOEL CHANEY TO GET OFF OF HIS PROPERTY WHEN YOU ARE TRYING TO PAY UP OR PAY OFF YOUR LOAN AND CANNOT BECAUSE THE CHANEY'S HAVE THEIR OWN AGENDA-FIGHT BACK LEGALLY. GET EVERYONE YOU KNOW WHO HAS LOST THE FIGHT WITH THE CHANEYS AND LET THEM KNOW THEY HAVE A LEGAL RIGHT TO RECOVER SOME OF THEIR MONEY. READ BELOW AND LOOK UP THE LAW AND FIGHT BACK. FIGHT NOT JUST FOR YOURSELF BUT ALL OF THE POOR VICTIMS THAT DID NOT KNOW THEY COULD DO ANYTHING. THE CHANEYS ARE RUTHLESS AND CRUEL AND EVEN IF THEY HAVE THE LEGAL RIGHT TO REPOSESS YOUR CAR-THEY DO NOT HAVE THE RIGHT TO KEEP THE PROFIT. THE DIFFERENCE IN WHAT YOU OWED AND WHAT THEY SOLD IT FOR IS YOURS.

DO NOT TRUST THESE PEOPLE OR WHAT THEY SAY THEY WILL DO. THEIR SCAM IS THE SAME. THEY WILL NEVER PLAY FAIR OR KEEP THEIR WORD. REMEMBER ALL OF YOU THAT DO NOT DO ANYTHING AND JUST LET THEM GET AWAY WITH IT ARE CAUSING THEM TO GET RICHER AND ALLOWING OTHER PEOPLE TO SUFFER. WHAT OTHER CAR DEALERS BEHAVE LIKE THESE PEOPLE? CHECK AROUND AND ASK OTHER DEALERS. THEY ARE APPAULED THAT NO ONE DOES ANYTHING TO STOP THESE PEOPLE. IT TAKES YOU, THE VISTIMS TO STOP THIS.

Florida Vehicle Repossession

When buying a new vehicle, and sometimes when buying a used vehicle, consumers will make the purchase on credit. Consumers should remember that creditors retain significant rights over the vehicle if the consumer does not abide by the loan agreement. If a consumer defaults on his or her loan, the creditor has legal authority to enter the consumer's property and seize the vehicle at any time and without prior notice. After repossession, the creditor may keep the vehicle as compensation for the unpaid debt or resell it. In either case, the creditor must inform the consumer. The consumer has the right to demand that the vehicle be sold and that any money received from the sale beyond the amount of the debt be returned to the consumer. If the vehicle is to be sold at a public auction, the consumer must be notified of the date in advance (in cases of a private sale, the consumer is notified after the sale). However the vehicle is sold, the sale must be conducted in a "commercially reasonable manner" and the price must approximate the vehicle's fair market value. Of course, the creditor may also reinstate the consumer's loan or allow the consumer to buy the vehicle back.

Vehicle Repossession

When buying a new vehicle, and sometimes when buying a used vehicle, consumers will make the purchase on credit. Consumers should remember that creditors retain significant rights over the vehicle if the consumer does not abide by the loan agreement. If a consumer defaults on his or her loan, the creditor has legal authority to enter the consumer's property and seize the vehicle at any time and without prior notice. After repossession, the creditor may keep the vehicle as compensation for the unpaid debt or resell it. In either case, the creditor must inform the consumer. The consumer has the right to demand that the vehicle be sold and that any money received from the sale beyond the amount of the debt be returned to the consumer. If the vehicle is to be sold at a public auction, the consumer must be notified of the date in advance (in cases of a private sale, the consumer is notified after the sale). However the vehicle is sold, the sale must be conducted in a "commercially reasonable manner" and the price must approximate the vehicle's fair market value. Of course, the creditor may also reinstate the consumer's loan or allow the consumer to buy the vehicle back.