Shady car dealership practices....

[baitism]

I recently purchased a used car from a dealership, which included a trade-in. Everything seemed to have gone well until about a week afterwards. I got a letter in the mail from the credit union the dealer used to finance the loan and it said I was denied because the "Term requested exceeds limits." They counter offered with a 48 mo loan instead of a 60.

I also noticed in the contract that they slipped in $400 extra in dealership fees. Needless to say I was pissed I didn't notice it before signing, especially considering I believe it was added in the final contract and not the ones I looked at before.

Long story short, could I play hardball and tell them to take out the fees or I'll return the car to them and cancel the deal because the financing fell through? Seems they would be out a lot of time and effort over $400, not to mention the dealership is a three hour drive from here and, from what I have read, the onus is on them to rectify the financing situation.

Perhaps someone who has been in the industry can provide me some feedback. Thanks.

Here is a picture of the contract and the "added" fees. Basically, they put $631.50 over the advertised 249.00.

[kccrow]

Originally Posted by baitism

I recently purchased a used car from a dealership, which included a trade-in. Everything seemed to have gone well until about a week afterwards. I got a letter in the mail from the credit union the dealer used to finance the loan and it said I was denied because the "Term requested exceeds limits." They counter offered with a 48 mo loan instead of a 60.

I also noticed in the contract that they slipped in $400 extra in dealership fees. Needless to say I was pissed I didn't notice it before signing, especially considering I believe it was added in the final contract and not the ones I looked at before.

Long story short, could I play hardball and tell them to take out the fees or I'll return the car to them and cancel the deal because the financing fell through? Seems they would be out a lot of time and effort over $400, not to mention the dealership is a three hour drive from here and, from what I have read, the onus is on them to rectify the financing situation.

Perhaps someone who has been in the industry can provide me some feedback. Thanks.

Here is a picture of the contract and the "added" fees. Basically, they put $631.50 over the advertised 249.00.

When I sold cars a while back, it was fairly normal for most lenders not to extend credit terms in excess of 48 months on used vehicles over a certain age (IIRC it was 6 years old). Most of them use age tiers, such as 6-12 years old = up to 48 months, 3-6 years old = up to 60 months, and less than 3 years old up to 72 months. I'm guessing that is the issue with the lender and the reason for the terms request denial for 60 months.

As for the back-end additions to the fees, you really have to check your contract. I'm not sure if you had any additional terms to the purchase such as an extended warranty, paint protection, etc. Seems shady if they have a normal set fee and you didn't change/add anything.

[burt]

Originally Posted by htismaqe

I wish I had time to list all of the things our local Toyota dealership tried on me when we bought our last (as in final or never again) Toyota.

Had an issue similar to fan4ever in that a rear window seal leaked and they farted around "ordering parts" until they thought they could get away with telling me it was "too late to fix it". That was just one of many technical/repair issues we had in the first few months. We also had a warranty issue not unlike SAUTO.

The best one was when I took it in for oil and service at 25K miles - we'd been faithfully taking it to the dealership every 5000 miles because "free oil changes for life" was part of our deal.

Every time I was there, at least one person left screaming at the service manager about poor service and/or lengthy waits. We often waited 90 minutes or more for an oil change and did it begrudgingly because we had already paid for it and because it was THE authorized Toyota service center in our area.

At 25K miles, I stopped in for my 5th oil change and the NEW service manager looked at me funny. "We don't do an oil change at 25,000 miles" he said. Puzzled I explained to him that I had been getting my oil changed every 5,000 miles as was suggested when I bought it. He proceeded to tell me "On the new Highlander we only do oil changes every 10,000 miles." He wasn't able to tell me what the service techs were doing with my car for almost 2 hours at 5K AND at 15K miles.

10k oil change, 5k tire rotation is the scheduled maintenance....

[burt]

Originally Posted by kccrow

When I sold cars a while back, it was fairly normal for most lenders not to extend credit terms in excess of 48 months on used vehicles over a certain age (IIRC it was 6 years old). Most of them use age tiers, such as 6-12 years old = up to 48 months, 3-6 years old = up to 60 months, and less than 3 years old up to 72 months. I'm guessing that is the issue with the lender and the reason for the terms request denial for 60 months.

As for the back-end additions to the fees, you really have to check your contract. I'm not sure if you had any additional terms to the purchase such as an extended warranty, paint protection, etc. Seems shady if they have a normal set fee and you didn't change/add anything.

You are correct, crow...but IF administration fee is higher, ease case in small claims court. No need for an attorney.

[burt]

Originally Posted by Bewbies

Now that the internet exists if you’re still dealing with shady dealers it is your fault. Local is anywhere it can be shipped, and options like Carvana give you a completely different experience.

, yep, they sure will.....

[burt]

Originally Posted by penguinz

He is the local expert on every subject ever spoken about.

It's douchetards like him that I took a sabbatical from here.... And after 30 years of it, car dealing is the ONLY thing I am an expert at!

[Easy 6]

Burt, you're definitely the right man for this thread

Baitism got the shaft, didnt he?

[cooper barrett]

I have never seen an expiration date on a "We Owe" from a dealership.

I was given a loaner car while a Blue Springs Nissan "We Owe" was installed on my Altima SR coupe and they refused my money after one of the center caps went missing because I drove it like I stole it over the 4th of July holiday

Remember the cute blond girl bending over to show you the "BLUE" coil springs in the commercials back in the 90's?

Originally Posted by fan4ever

Bought a Murano from a nearby dealership (Pinnacle Nissan) and the car had a scrape on the interior of the door. Made sure the dealership would replace the door panel; they agreed and put it in writing.

Every time I tried to make an appointment to have the panel replaced, somebody always dropped the ball..."sorry man, not here yet...oh look, not ordered...this will take about 3 weeks to come from the manufacturer". Long story short, they pushed me past the 30 days on the contract to have the work done.

Wrote a letter with documentation to the sales manager...then the general manager...and nothing. So stupid. I had bought 2 other cars from them previously and they treated me this way. I've bagged on them on dozens of time; they ran ads on FaceBook where I nailed them and elsewhere. I quite certain I've cost them at least one sale...so stupid of them.

I bet there are lots of quarter throwers (with and without the coffee cup) in this group....

[burt]

Originally Posted by Easy 6

Burt, you're definitely the right man for this thread

Baitism got the shaft, didnt he?

Sure seems like it. I say seems like it, because I only know what's been said. BUT Administration fees have to be uniform to EVERY customer.

[burt]

Originally Posted by cooper barrett

I have never seen an expiration date on a "We Owe" from a dealership.

LOL you idiot, EVERY SINGLE ONE has a 30 day expiration! Most of the time, in an effort to keep a customer happy, a dealer still honors it. But they are NOT required to.

Originally Posted by cooper barrett

I bet there are lots of quarter throwers (with and without the coffee cup) in this group....

Not many that have been at it over 30 years. Nor many that have been salesman, Finance Manager, Asst Sales Manager, Sales Manager, and General Sales Manager.

[Rasputin]

Years ago as a teenager with my dad shopping for a car in a used car lot a pickup had on the window "RUNS GOOD" great we thought check it out.

Out comes the salesman saying "Rens good Rens good!" hands me the key I get in and turn the ignition and . . . nothing, doesn't start must be a dead battery but we weren't buying from that guy

[burt]

I hope this works

[burt]

Originally Posted by KC Tattoo

Years ago as a teenager with my dad shopping for a car in a used car lot a pickup had on the window "RUNS GOOD" great we thought check it out.

Out comes the salesman saying "Rens good Rens good!" hands me the key I get in and turn the ignition and . . . nothing, doesn't start must be a dead battery but we weren't buying from that guy

Unfortunately, there are more bad car salesmen than there are good! That's why so many "used to be a car salesmen" and "I sold cars a while" exist. IF they'd been good, they would still be doing it still.

[cooper barrett]

Originally Posted by burt

LOL you idiot, EVERY SINGLE ONE has a 30 day expiration! Most of the time, in an effort to keep a customer happy, a dealer still honors it. But they are NOT required to.


When I saw "We Owe" slips they were like P.O>'s there was no legal ease included... Now it's all about the payout on the sale.....

Not many that have been at it over 30 years. Nor many that have been salesman, Finance Manager, Asst Sales Manager, Sales Manager, and General Sales Manager.

At least the F+I guys let you know they are bending you over before they do it....

I owned a business where I dealt with the Asst Sales Managers, Sales Managers, and General Sales Managers, and Dealer Principals, as Van Tuyl used to call them. I used to call on every dealer in the KC Metro area.

I have been away for many years but, in the car biz, some things stay the same. Selling wholesalers on the corner of 75th and Metcalf on Sundays comes to mind.....

[hometeam]

Originally Posted by Bugeater

Buy your shit from hometeam. He'll deliver.

Hi, yes, I'll deliver.

Though I don't sell cars any more, I moved into an upper management position with a dealership group a few years ago.

I will still take care of you~

Also my advice when buying a car to avoid this situation.. Read everything you sign. 98 times out of 100 the dealer is 100% covered by what you signed, so you can be sure they know what you are signing, its best that you do too.

[Hoover]

A 60 mo loan on a 8k vehicle??? Jesus