Today 8/7/09 i went to purchase a 2006 certified used infiniti m35. I decided to finance the car. The price on the vehicle says $23,495 plus an addition $3000 down payment fee.initially i thought i was bullshit to add to the stated price but i was in love.
I gave the rep, charlie all my information including my debit card, as i was ready to purchase and take the car home. I got to the store around 2pm as i was told the previous day i was there that the banks to finance close at 5pm.
He charged my card, and disappear for what seem like about 30-45 minutes.
He told my husband to call geiko and update the information with the new vin number. While my husband was on the phone it occured to me, that he never told me if the loan was approved. I went to look for him before commiting to another insurance coverage. He then told me, minutes after 4pm than, i will have to come back on monday because mcu has closedfor the date.
While assisting us, he was very friendly and respectful, however i felt that he could've informed me that i was denied the loans and that as according to him, only mcu will cover it due to my profession.
Not only did he neglect to keep us informed, but he tried to get us to take out insurance on a car that will be in their possession until monday, providing i am approved. He insisted that i will be approved since i am preapproved already. I did not like the idea that he will have my money, $3800 until monday. Before giving him access to my card i asked if i will be refunded providing i am not approved and he said yes. The transaction will be on hold until monday. No approval, nothing and worst of all no car until. I asked him to refund my money and we will do everything on monday morning.
The very nice charlie, turned into a warewolf. He started to get upset and argue with me. I did not take kindly to that, as i work overly hard for my money. He claim that he can give me a refund receipt because they do not do that there. Basically after us going back and forth, and him telling me that if i cancell the transaction i will never get a loan from mcu, he wanted me to take his word that he will refund my money with nothing to show that it was done. I called hsbc while in the store to let them know what was going on, very helpful they weren't. Anyway, eventually he got really upset, took the transaction receipt and return with a receipt that said sale voided with my card information.
On my way driving home i realized that the time stamp on the voided receipt was wrong. I immediately called my bank to ask if there was a refund and was told no. I decided to dispute the charges, and will no longer do business with these people.
I figured that i received the treatment i got because i am a first time buyer and he knew. He tried to intimidate me by telling me that i have been declined by 6 banks etc. I felt the decision to return on monday should've been mine, and not his. Basically he wanted me to trust him with my money, with no guarantee of approval. He could not tell me my monthly fee, yet still he was encouraging me to call geiko. I feel he was trying to stiff me.
In addition when i got home and check their site i noticed that they have the price of the car as $22,280 till 10/27/09
0 comments