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Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buying

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Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buying

Old 12-06-13, 07:53 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by emanon View Post
I'm probably a special combination of drunk and stupid right now....but I'd hope that at this time next year, when he's approximately 14 $1K payments a month into to the loan, he has more than $8K paid off.
Are you forgetting interest and the actual payment? His payment is $447 I believe. Or was it $487? I'm too lazy to look. Anyway, at his interest rate, about $200 of that $4xx goes to the principal. So you take 14 payments of $1k minus $250 for each payment, and yeah it's a little bit more than 8, about what 10 or so? That's almost half the amount he owes.
Old 12-07-13, 08:09 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

I assumed the actual payment went toward the amount paid off, no?

And I'd hope more than $200 of a $4xx payment went toward the amount paid off.
Old 12-07-13, 09:40 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by My Other Self View Post
It's contingent on the lender, but most of those fly-by-night financing companies have no problems lending at 20-25%. That's how those "buy-here-pay-here" dealerships work. I have a co-worker who has atrocious credit and was financed for a 2004 Chevy Tahoe at 22% just last month (on something close to a $15,000 loan). She was fine with that. Some people don't give a shit, which keeps these predatory lenders operating.

The flipside is when companies do not lend they are then accused of discriminating. I feel the same way for payday loans.
Old 12-07-13, 08:34 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by emanon View Post
I assumed the actual payment went toward the amount paid off, no?

And I'd hope more than $200 of a $4xx payment went toward the amount paid off.
I checked it was a $487 payment. Just over $200 went to the principal on the first payment.
Old 01-10-14, 10:57 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

So here's the latest on the extended warranty cancelation:

The EasyCare company says that they submitted the cancelation info back to the dealer on December 15th which is ten days after the dealership canceled (and nearly six weeks after we requested cancelation). So a call to the dealership revealed that they submitted the information back to the lienholder on December 24th.

Of course the Sales manager douche says he'd be surprised if the money wasn't credited back to the account by Friday (today) and of course it's not.

So yeah, it's been about two months after the request and he still hasn't seen the refund. It hasn't been taken off the loan nor has he received a check.

What do you think the next step is? I mean honestly. I feel kind of bad for him, plus this whole merry go round shit is pissing me off.
Old 01-10-14, 11:59 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Go above him.
Call every day, twice if you're bored.
Old 01-10-14, 12:21 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Sweet baby Jesus! Nick, next time you or your family need a car come see me seriously. I can do out of state sales without you ever coming here. We can do the paperwork via courier and ship the car to you.
Old 01-10-14, 01:21 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by nickdawgy View Post
So here's the latest on the extended warranty cancelation:

The EasyCare company says that they submitted the cancelation info back to the dealer on December 15th which is ten days after the dealership canceled (and nearly six weeks after we requested cancelation). So a call to the dealership revealed that they submitted the information back to the lienholder on December 24th.

Of course the Sales manager douche says he'd be surprised if the money wasn't credited back to the account by Friday (today) and of course it's not.

So yeah, it's been about two months after the request and he still hasn't seen the refund. It hasn't been taken off the loan nor has he received a check.

What do you think the next step is? I mean honestly. I feel kind of bad for him, plus this whole merry go round shit is pissing me off.


It's just starting to piss you off?
Old 01-11-14, 03:10 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by mndtrp View Post
Go above him.
Call every day, twice if you're bored.
I'll have to call again on Monday, I figure I'll give it through the weekend.

Originally Posted by DarthVong View Post
Sweet baby Jesus! Nick, next time you or your family need a car come see me seriously. I can do out of state sales without you ever coming here. We can do the paperwork via courier and ship the car to you.
I promise when I need one I'll talk to you

Originally Posted by Why So Blu? View Post
It's just starting to piss you off?
Well, again. I have been pissed quite often at the way this guy runs things.
Old 01-13-14, 03:55 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

So no surprise here, the money still hasn't been credited, the lien holder has no record of any pending or processed refund, and the salesman that sold him the car now works at another dealer.

The shady Sales Manager still works there, and doesn't get in until 2pm. I asked for him to return my call, but I know there's about a 1% chance of that happening.

Now, can I have an honest answer here? What should we do, what can we do? I am pissed beyond belief. It's been over two months since he signed the refund papers and no refund. Can we call corporate? Can we call whoever owns the chain of dealers that he bought from? This is almost $3,000 we are talking about. It's not just a few bucks that can just be blown off.
Old 01-13-14, 04:23 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

I have no experience with this, but can taking them to small claims court work?
Old 01-13-14, 05:23 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

I suppose if they never paid up but who knows how much that'd cost and long it'd take.

Oh and it's after 2pm and of course, no call.
Old 01-13-14, 06:46 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Well.. I guess it's your fault in the first place for not walking away from this deal.. Sounded like a train wreck to start with.
Old 01-13-14, 08:48 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by story View Post
I have no experience with this, but can taking them to small claims court work?
Yes. In fact, it costs maybe $40 to file the papers, and once your favor flave dealership realizes this, they'll probably settle for the amount out of court. They will not want to explain to the judge this situation. They are a dealership, and they already have a stigma against them, and appearing in court will certainly strengthen this stigma. However, sue for not only $3K, but for time off work, and an inconvenience/punitive fee of maybe $1000. Charge them for the amount of money you paid for parking. Finding a dogsitter. Babysitter. Whatever, you get the point. Itemize it, look it over, then file your papers.

Once you file the papers, DO NOT SETTLE for the $3k if the dealership contacts you. They can pay a little more out of court to make it go away. Generally, in many states, a mediator will negotiate the terms before you even go before the judge.

Those refund papers will be damning in court. The dealership knows it, and they are simply sitting on the $3K until the very last minute. Typical, as they're looking for the next sale to cover this loss. They know they will have pay it, but they also know they can stretch it out a while.
Old 01-13-14, 09:10 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by adrenaline78 View Post
Well.. I guess it's your fault in the first place for not walking away from this deal.. Sounded like a train wreck to start with.
It wasn't my deal to walk away from, I'm just doing the talking for him.

Originally Posted by DVD Polizei View Post
Yes. In fact, it costs maybe $40 to file the papers, and once your favor flave dealership realizes this, they'll probably settle for the amount out of court. They will not want to explain to the judge this situation. They are a dealership, and they already have a stigma against them, and appearing in court will certainly strengthen this stigma. However, sue for not only $3K, but for time off work, and an inconvenience/punitive fee of maybe $1000. Charge them for the amount of money you paid for parking. Finding a dogsitter. Babysitter. Whatever, you get the point. Itemize it, look it over, then file your papers.

Once you file the papers, DO NOT SETTLE for the $3k if the dealership contacts you. They can pay a little more out of court to make it go away. Generally, in many states, a mediator will negotiate the terms before you even go before the judge.

Those refund papers will be damning in court. The dealership knows it, and they are simply sitting on the $3K until the very last minute. Typical, as they're looking for the next sale to cover this loss. They know they will have pay it, but they also know they can stretch it out a while.
I called back and he was with a customer again. I told the guy that answered to tell him to call me back this time or I'd call corporate and my lawyer. The phone rang two minutes later with him apologizing and said he'd look into it and call me back.

I'll give him one day and call back again.
Old 01-14-14, 12:29 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Would you say it's ended badly yet?
Old 01-14-14, 05:32 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Good news. I checked the account online today and it shows the refund has been credited. I'm not sure if it was the threat of a lawyer or just ended up happening, but we'll take it.
Old 01-14-14, 07:52 PM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by nickdawgy View Post
Good news. I checked the account online today and it shows the refund has been credited. I'm not sure if it was the threat of a lawyer or just ended up happening, but we'll take it.
No, I'm sure it was your persistence that made them credit the account.
Old 01-15-14, 03:42 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Good deal man. Wow, that was an ordeal.
Old 01-15-14, 05:35 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

next time just buy your brother-in-law a bus pass.
Old 01-16-14, 05:22 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by DeputyDave View Post
Good deal man. Wow, that was an ordeal.
Yeah. Glad it's finally over.
Old 01-16-14, 10:09 AM
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Re: Nickdawgy Visits Another Car Dealer... But This Time, His Brother-In-Law Is Buyin

Originally Posted by nickdawgy View Post
It wasn't my deal to walk away from, I'm just doing the talking for him.
To hell it isn't.. You were there right from the beginning. Whether it is your purchase or not, it's your deal.


Glad it's finally solved.

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