Chapman Dodge Jeep Las Vegas Chapman Choice FRAUD - NO PAYMENTS UNTIL 2013 - Deceptive & Dishonest Las Vegas, Nevada

That's not exactly the same as a brand new Dodge or Jeep, is it?   I can find that same deal on a motorcycle or a roomful of furniture.    I challenge you to find someone who would actually make that same deal on a $40K brand new car / truck.  If you do find such a dealer, it'll probably be one like the one you are complaining about.

The bottom line is that the significant amount of money required to make such a deal happen, has to come from somewhere.   Common sense tells you that the cost will be paid by the buyer.  On smaller ticket items they just bump up the price a bit.    On large ticket items like new cars, the cost has to be woven into a complex and (hopefully for the dealer) confusing transaction. Much like the one you agreed to.

No real "No Payments to 2013 Offer" is really available ... hmm

Here is an offer sent to me today from Arcticcat.com to buy a new vehicle from them.  The offer states "FREE FUN UNTIL JANUARY (NO MONEY DOWN, NO INTEREST, NO PAYMENTS UNTIL JANUARY 1, 2013"

I guess that shoots holes in the theory these deals are not legitimately offered.  What you should have stated was, some of these offers are not legitimate, so let the buyer beware. 

NO WHERE in this offer does it say you would have to pile on the cost of all the payments for 2012 on the top of the contracted amount, including the interest and the sales tax as you added to the sales amount as far as the state was concerned. NO WHERE in that text, and then I called.  The deal is FOR SURE, you get the vehicle and the contract is basically frozen until January 2013!!  Hello!!

It is all about the what a normal buyer would perceive the deal to be. When the actual BOLDED advertised statement reads: " MAKE YOUR FIRST PAYMENT IN 2013" ... that pretty much implies you would not have to make any payments until 2013.  Hello?  Just like the Arcticcat offer ... FREE FUN UNTIL 2013 (Free still means free to me)

I am getting the feeling the poster her deploys this trickery and is defending it.  Bottom line, the deal should be as legitimet as the other manufacturs offer .. plain and simple!

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http://arcticcat.com/atv/special_offers/us

*Offer valid 4/1/12 - 6/30/12 at participating U.S. dealers to U.S. residents on new and unused 2009, 2010, 2011 and 2012 Arctic Cat ATVs, excluding Demo and Special Services models. See dealer for details. FREE FUN UNTIL JANUARY (NO MONEY DOWN, NO INTEREST, NO PAYMENTS UNTIL JANUARY 1, 2013) and 6.9% FINANCING FOR 60 MONTHS are financed through Sheffield Financial and are subject to credit approval; not all applicants will qualify for credit. Each consumer will be charged a $100 Consumer document fee. Financing promotions void where prohibited.

Minimum financing total of $700, amortized up to 60 months. REBATES UP TO $1,000 vary by model purchased. Offer subject to change without notice. Excludes tax, freight and dealer setup. ATVs can be hazardous to operate. For your safety always wear an approved helmet, eye protection, and protective clothing. Never ride on paved surfaces or
public roads. Never engage in stunt driving; riding and alcohol/drugs don't mix and could cause serious injury or even death. Avoid excessive speeds and be particularly careful on difficult terrain. Arctic Cat recommends that all riders read and understand their operator's manual before operation. Along with concerned conservationists everywhere, Arctic Cat urges you to "Tread Lightly" on public and private lands.  Ride only on designated areas or trails. Preserve your future riding opportunities by showing respect for the environment, local laws, and the rights of others when riding. Never carry a passenger on a single-rider ATV. Only ride an ATV that is right for your age. Supervise riders younger than 16.

Chapman Dodge Jeep should just belly up to the bar and execute the deal EXACTLY how the deal was presented.  Anyone wanting to see the original offer, I will be posting it at http://ChampanDodge-Fraud.com when I get some free time.

You wanted us to judge and determine if there is a ripoff??  The verdict is NO.  You made the assumption that no payments = no interest.  No such thing.   If you make no payments, interest accrues regardless of the deal.  Your post confirms there was no lie offered by dealership - no payments until 2013.  There is nothing illegal about anything based on the words in your story.  In the future, just walk away from the deal; there is nothing about "No payments until 2013" that is appealing.



Best of luck to you...

"BUY ANY NEW DODGE OR JEEP AND PAY NO PAYMENTS UNTIL 2013" 

  When normal people see the statement above, the immediately wonder : Who's going to pay for that?    You see, it's unreasonable to expect a dealer to hand you a car at a smokin' deal and let you drive it around for free for 9 months.    It's much more reasonable to expect that if you don't have to make payments for 9 months, that you're going to be paying some very hefty payments to make up for it, after 9 months.    In other words, the kind of contract you have to enter to get a paymentless new vehicle for 9 months is going to have  a huge downside.

  Of course there are always individuals who do not ask themselves these basic questions.   Those are the fish that the dealership was trying to catch with this ridiculous offer.   They figure if you are gullible enough to believe their pitch, you'll probably sign whatever lopsided deal they put in front of you.    From what I can tell from your post, that is exactly what happened.

  What it really comes down to is this :   Is the deal you got specified on the sales contracts you signed?   If not, you can certainly go after the dealer for a breach, but given your post, I suspect that the dealer wrapped up that with plenty of signed paperwork.

  Good luck.

Did they not give you the no payments until 2013?  If they did then where in the heck is the RipOff?

Everything you described about "padding" the sale happens with EVERY sale.  You are NOT required to take any of it.  If they told you that you had to take it or you wouldn't be able to buy the car that would be an issue, but even by your own words it sounds like you had the option at every step to accept or decline each of these add-on's.

I objected to this principal because I would be paying the sales tax on the "padded" funds and I would be paying interest in the money padded to the lender to pay the payments.
- The offer you got never said "No Interest" it just said "No Payments", there is a BIG difference between the two.

The dealer agreed to absorb these fees and make the deal go through.
- Wait a minute..they then agreed to pay for those fees and you are still calling it a fraud?