First Class Auto
1652 Avondale St.
Naples Florida 34112
United States of America
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First Class Auto FCA I bought a car from this company. I got in a car accident, the car was totalled, my insurance offrred me money and it left over three grand fof car. when I called to find out my balance they told me Naples, Florida
*Consumer Comment: Bad grammar and worse argument
1Author
1Consumer
0Employee/Owner
I got in a wreck, at the time I got in it, there was in car, I was to get 3 grand after paying off car. The very rude Sylvia upped it three grand and told me they get the whole amount when car is wrecked, I asked her why she had just told me one amount, then upped it after I told her it was totalled. she said, "we do that as a service to our customers, as a convenience, but you wrecked it, the whole amount is due" I called State Farm, told them what she said and they told me they cannot charge you for entire lenthg of loan, its supposed to be per diem, interest calculated daily not for four years into the future, due now. I called Sylvia bCk, she started screaming at me. I was so upset, she said, " and were conn sue you for the difference if there is one, no where in paperwork did it say if car was wrecked, you owe total amount for car interest plus per diem. So, I had my money stolen by them. I had. Friend that hD referred me to them call the owner, she was so embarrassed at how I was treated and she was. A personal friend of Tony's, I was on phone listening, he lied to her, told her, that girl is a roach, she had no money when she came in, don't even worry, don't get involved. I waS mortified at how I aS treated, not to mention my patents did work on his cars for him in the past at their company. He had no interest in doing the right thing, he's the roach!! He's. Scumbag looking to steal instead of keep happy customers, so I goto z dealership on pine ridge road and I told him what happened, he tells me they did the same thing to another lady that wrecked her car. So, any car dealership knows how unscrupulous they are, just ask them. I wanted ladies name so I could bring. LAwsuit but hd couldn't remember it. Just beware, they'll take your money, but if its wrecked. Your total amount is due, not an early payoff here! Like any other reputable car lot will do. Anytime I see that license plate with FCA around tag, I tell the ppl , there was guy T Publix I told about it, he said car was his friends, but hd wanted to buy from them but now would not, I uBersexual told tons and I will continue to spread the truth about their unethical behavior, they are very nasty, I stopped another two friends from going there. You really should not assume you cam steal and its just gonna be ok with someone. My husband was hurt, couldn't work, we had only one car, I couldn't get another on top of all of it, while he's driving his shiney white Mercedes always parked out front on Davis blvd. thief!
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#1 Consumer Comment
AUTHOR: voiceofreason - (United States of America)
SUBMITTED: Wednesday, February 01, 2012
POSTED: Wednesday, February 01, 2012
When you wreck a car that you still owe financing on, you owe the lender whatever the shortfall is between the salvage value the insurer considers the car worth, and what you still owe.
That's what GAP insurance is for, to cover a borrower who wrecks a car they still owe on, in the event what you owe is more than what the car is worth.
You don't just get a free pass, like, wow dude, I totaled the car and my insurance is only gonna pay whatever, so, ya know, I guess y'all lose the diff, huh?
No, bro, it don't work that way! If you had no GAP insurance, you damn sure do owe the lender whatever insurance won't cover.
Now, if the insured value covers all of what's owed but nothing more, then obviously you get nothing back. It's a wash.
When you take to posting such a situation, it's bad enough when you clearly have no leg to stand on, but it makes trying to understand your point 20 times harder when you can barely write coherent English.
What was this $3K you stated you expected back after the settlement? Exactly what was left on your loan and what did the insurer set the value of the wreck at? What were the written terms of your loan? Were they entitled to any early termination fee, which would kick in automatically if the car was totaled?
If the lender is truly trying to screw you out of residual value left to you after the payoff, then you need to get the state agency overseeing lenders involved. I'm assuming State Farm won't, or can't help. They can probably only cut one check, to be cosigned by you and the lender. I really don't know how that works.