My wife and i visited earnhardt ford in chandler az to price compare cars on sept 11.
I told the pushy salesman that i have no interst in buying a car and could not afford it at the time.
He inssted on bringing me into the offce and started to write down figures on the 1995 jeep i was looking at and my wife said it was a nice jeep.
He took my information and came back saying he got an approval and showed me the figures and i got up and started waliking out the door.
The salesman stopped me and said whats wrong and i told him that payment and interest was too high and that i cannot afford it.
My wife and i were out in the parking lot walking toward our car when the pushy salesman walked out saying hold on i have someone from the finance co who wants to talk with you.
I wasonly being courteous when i walked back in to speak with the finance co rep on the phone.
I was to taling with a lady on the phone from fairlane credit and told her the samething i told the salesman that i have no intererst and cannot afford making payments at this time.
At this time my wife wanted the jeep and was saying come on john you wiil have raises as you go along working with elecrtical union and the rep on the phone from fairlane said listen to your wife.
The rep from fairlane said that she was going to put me in a special program and started to tell me about it.
The program was that if i kept my payments on time the interst and payment wiil be reduced every 6 months for the first 24 months and settle to rate and payment that was about half of the original qoute.
I said i need that in writing and the fairlane rep said she wiil mail me the updated contract for me to sign and to go ahead with the current one at the dealer.
I never did recieve no updated contract and when i cotacted fairlane they said they dont have no such program. Do you have that in writing and i said no your finance rep said she was going to mail the contract to me.
7 months later i was laid off in april as the contractor closed shop and i was only working part time and doing side jobs.
I tried to work with fairlane despite their deceptive pracrtices and informed them i cannot not aafford the high payment or interst that was suppose to be reduced as promised after six months.
Fairlane said what can you afford at i told them $100 at the time till i get more stable work and they said that was not acceptable and would not work out any suitable arrangements with me.
I did the only appropiate action at the time and did a voluntary repossession to save face and costs of a repo person taking the vehicle by force 4 months down the road.
The vehicle was sold and the $8100 balance was on my credit reports thanks to the deceptive practices of fairlane and the salesman and i told my wife nice jeep uhuh.
The charged off collection dropped off ny credit reports in 2009 and thought all was done till wage garnishments started on my paychecks april 9 years after the fact.
Without knowledge or warning fairlane used an attorney and filed through l a county superior court a writ garnishment december against me.
The court voilated my rights as i was never contacted summoned to appear or served any papers to appear in court and also i reside in san bernadido county not la.
Fairlane is garnishing 25% of my wages which is putting me a cuurent financial bind and there will be complications on other financial obligations shortly.
Can fairlane legally do this 9 years after the fact and can i file a counter suit against fairlane for their deceptive lending practices in 2000. Bait and switch is a criminal offense.
The current judgement is $23500 not $8100 as the outrageous interst as accrued the past 9 years.
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