Melani
Quitman,#2REBUTTAL Owner of company
Fri, October 01, 2004
Windham Chevrolet in Quitman Texas outsources all of its direct mail advertising to a National Advertising Company specializing in Dealership Promotions. I can assure you that all aspects of the direct mail promotion this customer is referring to are legal, and ALL details were in fact noted in the fine print. I have included the verbiage from that direct mail piece to confirm the accuracy of this rebuttal. "Your new vehicle payment cannot exceed 20% of your gross monthly income; vehicle payment totaled with your current monthly payments must not exceed 50% of your gross income. If you accept this offer, we may not extend credit to you if, after you respond, we determine that you do not continue to meet the criteria used for this pre-approved offer. Any equity deficit in your current vehicle must be paid off or refinanced with new vehicle. Credit severity may affect down payment. Bankruptcies must be discharged. Notice: We used information in a pre-qualifying report from a credit-reporting agency in connection with this firm offer of credit. Lender assumes no responsibility for incorrect information supplied by various credit reporting agencies. Subject to lending institution's final credit approval. It is unfortunate that the customers credit history is such that we could not find a single lender to approve a loan for them. However, as owners of this Dealership, we are not responsible for this customer's credit issues, only she and her fiance can take responsibility for that.