This hole thing started when my oldest daughter Meagan Newcomb bought a pickup on 3/10/03 from Gates Chevy World in Mishawka. Before that I had went with her to a couple other dealers and was pricing trucks but they were all to much for her to afford. I was trying to explain to her that she needed to pay off her car and look for a cheaper truck that she could afford. Meagan is very bad with money she owes everybody and we can't get it to sink in that she needs to start paying off her bills.
We went to Oliver Ford in Plymouth and found her a nice truck but even with me as a co-signer she still had to have thirty five hundred dollars down. That is when she called Gates and they told her over the phone to come and see them and they would sell her a truck without a co-signer so that night she came home with a truck.
On or around 3/20/03 they called her and told her she had to have a co-signer for her loan or she had to give the truck back. Her mother and I were on vacation at the time so Gates told her that her nineteen year old sister Holly Newcomb could co sign.
Mr. Oliver at that time told them Holly would only have to be a co-signer for six month then Meagan wouldn't need a co-signer anymore. At one of my meetings with Mr. Oliver I ask him what was this and how it works. He explained they do it all the time that in six month Meagan would establish her credit then she could get a new loan without a co-signer. I never hear of something as stupid as that so I called GMAC and they told me he was lying to us.
Mr. Oliver gave Holly some papers to sign and told her that she was co-signing for Meagan's truck. Before they left that day Meagan and Holly ran into the salesman that sold Meagan her truck. They started talking and Holly told him that she liked that yellow S10 pickup that was in there lot. She went in and co-signed for her sister on 3/25/03 and also drove home in a new truck.
Gates wanted to sell her a truck so bad that they took her car in as trade site unseen. The thing is Holly maybe brings home $300.00 a month, has a $350.00 truck payment and co-signer on her sisters truck. Her mother and I got back home on 3/29/03 and couldn't believe what had happened an how Gates could push something like this threw. I called Dave Henderson the next day 3/30/03 witch in no time transferred me to Lance Oliver the finance manager.
I was mad at my girls and Gates and wanted to find out what happened. I told Lance Oliver I had the title to the car that they took on trade because it was in Holly and my wives name and not going to sign off and wanted the deal voided at that time. That same night I went to Gates found Dave Henderson and he sent me to Lance Oliver. Mr. Oliver at that time Holly had good credit so she qualified for a co-signer and also to buy another truck.
I still didn't understand how the banks let this go threw. I got hold of Rick Meewes b / he called wanting the title for the trade, they had sold it and needed to get the title to who had bought it. I didn't know you could sell a car with out a title. But at the same time he told me when a person as good credit sometime they will extend what they loan a person even if it is more that she makes. I told him the deal that Lance Oliver had made me and he said he would look into it. So I called the bank that gave her the loan, had Holly get all the paper work that Gates have given them since the only paper work Gates gave the girls was a copy of the contract.
What I found out is Gate's had lied on Holly's loan application, she works at Ally Opps as a waitress, makes two something an hour plus tips, just started working there three weeks prier to that and has been living at our house for nineteen years. The application states she works at Ally Inc, as a laborer, there for one year and a half, makes $28.400.00 a year and has lived with us for one year and six months.
To make things worse we received a title in the mail for Meagan's truck and it had Holly's name on it. Holly and I went to Gates around 4/18/03 to find out what has happened I gave Mr. Oliver the title and at that time he told us he had Holly sign the wrong papers.
I also handed the loan application papers to him and ask him why he lied on them. He informed me he only puts down what the applicant tells him. I explained to him that Holly told me that they never ask her anything but where she works Mr. Oliver looked at Holly and then told me once in awhile they so they fill it in later. I told him that was wrong and he falsified her loan application so the bank would give her the loan.
Mr. Oliver went into another office talk with Don Stewart. When he came back we where told that her car has been sold it may take three or four days but they would get it back and void the deal. I told him to get the car and give me a call but he had to get the title straightened out for Meagan's truck. That was the last time we talked to Mr. Oliver every time we called he wouldn't return our calls or he was with somebody.
There were days that we called two or three times and all we wanted is to find out what was going on and if they found the car. I was getting tiered of waiting after a couple weeks so I called the South Bend store and left a message for Mr. Gates to call me. Not sure how long it was but I finally received a call from Steve Law and the last he knew they were looking for the car Holly traded in and they would call when they found it.
More time past and we where still calling to find out what was going on leaving messages but nobody was calling us back. It was the first or second week of May by know, Meagan had her truck for two month and the second set of temp. Plates had expired, which I didn't know that a dealership could give two temp plates. Holly's temp plates had ran out and she couldn't buy plates because she didn't have a title to her pickup.
So know I have two daughters diving without license plates and Gates not returning our call's. The only thing left for me to do is call in an attorney for help. We had a meeting and explained the hole thing to her and at that time she also called Gates and ask to talk to Mr. Oliver but he was in a meeting so she left him a message to call her back.
After a couple of days I called her back to find out if they got back with her. I found out she had been calling, leaving messages and never received a call back.By this time I knew Mr. Oliver never intended on calling nobody back so I made another call to Gates and finally Steve Law called me back who is the general sales manager.
This is know around the middle of May and told me they found Holly's car but we needed to bring in 3200.00 they paid off Holly's personal loan for and they would give back the car and void the hole deal. I ask Mr. Law that I would like to have every paper my two girls signed to buy the trucks b / I needed to find out how Holly ended up with both trucks. He assured me that they DID NOT sell Holly two truck.
They sold a truck to Meagan and a truck to Holly but he would get me the papers I needed. My attorney called me right after this and said she would go talk to them in person since nobody had ever got back with her. Later that day she called me from Gates and Steve Law told her the same story except they wanted Holly to sign a waver holding Gates harmless against any further litigation which they were going to fax to her the next day.
Over a week later I again called Steve Law and ask where the paper was and why he never did fax it to my attorney. He informed me that this was in-between me and him. But after all that has happened I still wanted my attorney to check out what I was to sign. I told him I needed it faxed and I would meet with him that night at six o'clock 5/27/03.
At four thirty I had Holly call Huntington Bank to find out if Gates had contacted them about paying off her loan. They informed Holly that they have not heard from Gates and just before we left my attorney called and Gates never fax her a copy of the papers we where going to sign.
I still had my meeting with Mr. Law but I told him Holly couldn't sign the paper b / he lied to me again. I told him my attorney never received a copy in her fax like he said he would do. He told me that he had faxed it and he had conformation that he did and he also said Don Stewart was there when he did. He told me if my attorney told me she never received the fax that she was a lire.
All the papers that I had requested that the girls signed again he told me he would get where not there. Again he would get them but it couldn't happen till the next day b / they were at the downtown office. When I was going to give him my fax number he said he wouldn't do it by fax after all of this we would have to come back for them.
I told him I wanted to find out how Holly ended up with two trucks b / Holly told me she co-signed for Meagan's truck and Lance Oliver also told me Holly was a co-signer. On the phone Mr. Law assured me that Holly didn't buy two trucks. I told him Holly will not sign anything till the title gets changed over to Meagan's name on the one truck.
He informed me that's not possible because Holly signed for both trucks so she bought both trucks and if I didn't like it I had better get an attorney but it better be a good one b / it will stick. One time he said Holly didn't buy two truck then he tells me she did. That is where we are at this time.
During all of this my daughter, wife and myself were calling the backs witch gave the loans to Holly and trying to get some help from them. Huntington bank was one of the banks that gave Holly a loan was very helpful and sent us all the papers that we needed.
But on the other hand GMAC was called 4/8/03 gave us the run around and told us they would fax us the papers within 72 hours never did. Three weeks later after call after call they transferred me to a gentleman in another department they finally sent Holly the paper work. With that paper work we found another screw up of Gates. On the confirmation of accidental physical damage insurance had Meagan's insurance company and policy number but they had Holly sign that she had that insurance.
At the bottom of the paper it has dealer confirmation and in the box name of person contacted someone typed in ext. 3501. That shows me someone from gates contacted Safe Auto and confirmed she had insurance because it looked like Lance Oliver signed the paper. I ask Don Stewart on 5/27/03 at or meeting how could you confirm that she had insurance when that was not her company. He told us that they didn't have to confirm that a customer had insurance that the Bank did they do it as a courtesy.
The other thing I don't understand is when Holly bought the one truck everything was dated 3/27/03. That is when she did sign the papers to buy it. But Meagan's truck all the paper work was dated3/22/03. Holly never set foot in Gates till 3/25/03 know how can she buy a truck when she is not there?
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