My daughter bought a car from this dealer. They told her she would qualify for the car that she wanted. She traded in a car. Well they offered her $7400 for her trade in, which she still owed $4100. Good deal we thought. Then when it came time to sign the papers, after 5-6 hours of being in the dealer. They also stated to her that they were being taped. She signed the papers as fast as the guy was handing them to her. They really do not give you much time to read every little detail of these contracts, which I know is her own fault for not reading them throughly. But anyway on the contract it stated they were giving her $7400 for her trade, but they also had a line where it stated that her payoff amount was $7400. There is no way in the world her pay off can be more then what she actually paid for it. She only paid $4200 and had been paying on it for a year.
When she questioned the finance guy about this he said they could not get a payoff amount at that time due to being unable to get ahold of her finance company. So they just decide to use this $7400 as an amount for payoff. The guy told her if it was less she would be reimbursed. She did sign. She took the car home. Then about a week later the car lot called stating she needed to return the car. They said she could keep the car if her father and I, Her mother would sign for the car. Not a problem for us. I, her mother really got a chance to look at the papers she signed and I was appauled at all of the extra things that were added on which in the end made the finance amount much higher which in turn made the payment higher.
I added up all of the extra stuff they had put on it, it added up to aprox $6000. I wrote down each extra they had on the contract, $2500 for a warranty, not even an extended warranty, just the regular warranty that comes with the car. This car is a 2005 with 35000 miles the warranty was only for up to 60000 miles so she would have been paying $2500 for a warranty only good for the next 25000 miles, that was not even the extended warranty, she refused that warranty. Then he added a little over $ 2000 for life and disability insurance. Then there was a fee of aprox $499 for some kind of auto protection which I found out was a paint protection he said was applied to help protect the paint. Then there was a theft protection of aprox $ 499, which he said was the etching of the vin number on the windows. He also had added tire protection, not sure what the price was, but it was a few hundred then the gap insurance which he charged $599, we wanted the gap.
Then there was a fee on the contract that said something about fee paid to a government official on our behalf, the guy at first did not even know what that fee was then he remembered, he said that was the fee for the tags. I'm not too sure what that really means. Any way after I, her mother went to dealer to sign papers I straight up told him I refused to pay for all these added extras that he had tried to charge my daughter. Since I was now signing papers the first ones were no longer valid. He tried to talk around in circles about how the paint protection and theft protection were already added into the price of the car and he could not take those off.
He kept telling me that he could not actually put the amount in the line where the car price goes because he needed to show it itemized. But if these were still in the price of the car they should not be readded into the price. Which is what he was doing. He had a column omn the far right that had car price plus tax, then more toward the center of the paper he lists each extra then when all these are added up they go on a line in the far right column, pretty much the way a tax form is done. Anyway, all the extras he adds are added to the car price again. If the paint and theft things are already suspossidly in the price of the car then by the dealer adding them to the price of the car after tax is added is doulble dipping, they are making the buyer pay twice for the same extras, if it is true these are already figured into price of car.
The car dealer trys to slip these extras into the contarct hoping the buyer will just sign without realizing what all is actually on the paper they are signing. After I pointed out all these extras that I did not want he did not add them, He tried, to sneak a $1000 life insurance on me but I caught it and refused to sign till he removed it. Although he did remove alot of the extras, he refused to remove the paint and theft things, he stated he could not remove. Well on a web site I read an article that both the paint and theft charges are bougus charges, anyone can look this up.
And another thing the dealer has done is they still do not have the correct pay off amount for her trade, my daughter has been given several different amounts every time she talks to someone from showcase. She got the pay off amount herself over the phone from her finance company, which is now $3900 but showcase people keep telling her different amounts. At one point she was able to talk to a man at showcase who told her yes they had a payoff amount which was the same as what my daughter was told. But for some strange reason no one else art showcase seems to know the correct amount. So I was told that they already sent the $7400 to her finance company. Makes no since to send an mount to a finance company without knowing the real amount owed.
Oh well even though I kind of sorta got some things fixed I still want others to beware Read every line before you sign and ask lots of questions. Ask what you are signing and why, The guy I had was not even sure what some of the papers I signed were for, he had to look and think about it.
Lisa
phoenix, Arizona
U.S.A.
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