#20
Thu, June 06, 2002
June5,2002
Today I had the Collection Manager of Walker Subaru show up at my home. Hard to believe he drove 130 miles, without giving me notice. However, he said, Mr. Walker wants his money, we could file a lien against...."you get the idea". He also stated that he knew that I had filed a report with the Attorney Generals office. He stated that we could go to my bank and I could give him cash today. Then he stated I could give him the amount in 2 checks, finally to be rid of them "Walkers" I gave him a check for $1,200- and hope that I never here nor see them again. (That was the amount. agreed too) although I just wanted them gone. Bye the way, earlier in the week, my references that I had used on the credit forms such as my elderly disabled parents in the midwest, Walkers had called. I have contacted Subaru of America, and will be in touch with the Attorney Generals office later in the week.
mr
van,#3Consumer Comment
Tue, April 30, 2002
i have spent the last 20 months fighting a like
problem with a ford dealer!!!
how many loan applications did you sign??
if a loan application is denied or the terms are changed then they do have to offer and /or return
all paperwork , trades, and down-payments in full.
before you sign a new loan, or (deal)
if they approved the loan you signed in a three day period, and this was the first loan ,and only
loan application you signed then, you, owe the
dealership , or bank for the note!( balance )
the (note) being the (loan application) which is the (loan) when approved.
now if you signed two loan applications, and the first was denied , as in my sitiuation, then, the
second note or loan is ( fraud ) or bushing violation,unless the second loan was approved in three business days also.
in my case they brought the second application to my home 3 weeks after i took delivery and dated
the contracts, the day i took delivery , what saved me was i wrote the correct date next to my signature, which proved forgery, or bushing,
on the second loan papers.
1.my question is? how could you sign a loan ,
(contract application)when you and the dealer did
not know the correct balance due? amount of payment($300.00) x times term(60) months???)
= equals balance or (total)(for example).
thats why they want the extra $1400 or
$1000 dollars more, because the contract with the bank is a fixed amount.and it is already in force.
2. do you have plates on the car? and a registration??
when you recieve the registration, and or plates, this means
financing, is approved. ( or went thru)
3. do you have payment coupons?
for the loan?( this is loan approval )
4. have you made the first payment?
( if you make the first installment payment
you have agreed to the terms of the loan)
5. to put it simply if your vehicle purchase
disclosure( purchase order ) match(s) the date,
price, and terms, of your loan application
and the loan was approved, ( in three days )
you owe the bank.
to dispute this send copies of all
you car deal paper work, to
wa. state dept. of licensing,
call for(address) info.1-360-664-6475
send it all cerified mail
tell them tp investigate for bushing
violation rcw 46.70.180 (4)
if they find the dealer in violation of any
rcw.46.__.__ laws
file a claim against thier bonding company
( call the dept. of licensing )
and they will give the name of your dealers
surety bonding ( insurance or bond company),
company.
good luck with your deal
the wa. state dept. of licnesing, 20 months after my car deal found the dealer( vancouver ford ) in violation of (bushing) rcw 46.70.180(4)
i have had my credit toasted, and i was
sued for $9,900.00( still pending)
dollars, and lost my downpayment and trade-in??
because i returned thier truck when they denied the loan in writing twice??( and changed the apr)?
so if you return the vehicle and tell them to shove it??
you take the risk of ruining your credit, and getting sued, for the loan? ( even if you are on the right side of the law )?????
as far as the extra money they say you owe,
if it is written down on paper that you owe the differnce, then you may have to pay that extra charge on your friends trade-in.
next time find out what you owe before you shop for a car?
or write on the purchase order next time the buyer has paid the seller in full, and owes the seller no more downpayment or trade.