On December 4 I went to Indian Head Ford to purchase a new vehicle. I was currently driving a 1996 Ford Explorer. I had purchased several vehicles before so I understood the ins and outs of buying a car. I had decide that I would get a 2000 fully loaded Ford Expedition. It wasn't a new vehicle obviously but it was in great condition and have very little mileage on it. The contract that I signed with the dealer Nanette Reed stated that the vehicle was financed by Wells Fargo. It (the vehicle) was to be financed for a total of sixty months with a finance rate of 18.75%. Monthly payments were going to be 713.69 and to start on January 18 and end on December 18. I put a down a down payment of 2,500 in addition to the trade in of my current vehicle of which I owed 10,452.73. All in all I was given great deal or so I thought.
I made my first payment on January 18th, the payment was returned to me and Wells Fargo stated that they did not have any records of my vehicle. I then went back to Indian Head ford to meet with the dealer whom requested that I give her the 713.96 payment that I had made to Wells Fargo. Mrs. Reed as well as the her Manager said that I could continued to drive the vehicle and she would work out the kinks with the financier. That day they also had my wife and I sign additional paperwork. Keeping in mind at that time all paper work attached to the vehicle including MVA documents signed by the dealership stated that Wells Fargo was the lean holder. And for the entire duration of my possession of the vehicle this never changed.
For months I kept going to Indian Head Ford and calling to see what was going on with the vehicle. After months of having the vehicle Mrs. Reed informed my wife and I that we could not get financed and she stated that she wanted us to pay her outright for the vehicle. We told her that we obviously didn't have that type of money on us at that time. She replied by telling us that we should take out a second mortgage on our home. I was completely disgusted and ask her to honor the original contract.
I was not going to put a second mortgage on my home to pay for a truck that would never be in my name because Wells Fargo name was attached to the title as well. They (Wells Fargo) didn't want any part of the transaction because they had no ownership or proper claim to the vehicle. When I asked her if they could take the vehicle back and I would reclaim my trade in. She replied that, that was impossible because she had sold my truck the day after my trade in. For the months leading up to December Mrs. Reed continued to call and harass my wife and I. She constantly called demanding an immediate payment in the form of a 21,000 dollar check and left notes in my door. On a regular basis we exchanged heated phone calls.
In December I was involved in an accident with the vehicle. Which subsequently was placed in a auto body shop. While at the shop Indian Head ford reposed it. Mrs. Reed call repeatedly even having police officers from the Prince Georges County Police department call my home and they even left messages. After my daughter asked the two officer that call for their badge number and informed them that she was going to contact their office they never called again. When I contact the police department they said that they in no way shape or form would they ever have anything to do with the matter with that said they also informed me that it was out of their jurisdiction (as I had expected).
In the end despite their harassment I opted not to purchase the vehicle and I went to the dealership to retrieve my property. I still have possession of the title which they never change over. Because of medical and personal issue I was not able to pursue the issue legally. When I did come around to getting the matter the statue of limitations had run out. However, I am still searching for various legal actions that I can take. Since then I have purchase several vehicles with no problem or complications. Even if I don't recoup any of my financial loss I can take solace in knowing that other consumers will not be deceived and harassed as I was.
Robert
Nanjemoy, Maryland
U.S.A.
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