Ginger(with extremely bad credit) goes to Findlay Toyota Used Cars. Andrew (the salesman) works magic gets her into car same night, and drive off with no money down. 2 weeks later Andrew contacts Ginger, and ask her to come in and sign new contract and must put a downpayment to buy car.
She does what he asks, and is forced under Duress to just sign and we will go over following day because it was closing time.
2 weeks go buy and Now Ginger is told that the downpayment agreement they made (Andrew and Ginger) was insufficient and she needs to bring in a check for them "to hold" until she finishes paying the rest of downpayment.
Ginger and Andrew call me on a 3 way call, Andrew assures Me that it is for Good faith that Ginger will pay every two weeks on downpayment as agreed, so I write a check for 1200.00 on 09-15-2003 and told Andrew and Ginger, that this check is no good, because I had no money in account, Andrew reinsures me that it won't be cashed, so I wrote the check.
2 weeks later, he called me again and ask me to write another check for 500.00 in which he gave back the 1200.00 check prior. This was on 10-11-2003 he just needed a more current check, and at this time I pointed out to Ginger that why is she paying all this money on a lease, which she had no Idea it was a lease and disputed it with Andrew and Charlie. They deny that she is unaware of the modified contract she signed and Ginger disuted that even the girl who had her sign the 2nd paper could not answer a single question and insured Ginger everything will be explained tomorrow.
Tomorrow never came and on the 12th of October I went on vacation with my wife. I had a friend deposit my paycheck for I was in Palmsprings, and desperately needed my paycheck in my bank accout asap for I needed the cash for vacation.
On October 15, that 500.00 check was cashed to my surprise and absolutely ruined my vacation, so I called Ginger and she 3 way called Andrew. He was apologetic and assured me that they will wire my account the very next day. I just had to send proff that the check was cashed so I faxed over my bank statement regarding the check being paid to Findlay on October 15, just a few days after I wrote it.
The next 2 days I kept checking my account for credit and nothing. I kept calling Andrew and he kept telling me it was in the process of being wired to my account. After the 15 phone call I realize that no one from Findlay ever called.
It was just me calling and getting excuses, and as I came back from California, my account is badly over drawn and increasing daily, which Andrew told me that they will pay all accumilated charges due to thier error.
Andrew was sick for 3 days when I finally contacted him 10 days ongoing he totally had a different attitude and told me that the 500.00 was put to Gingers car as per check hold agreement that Ginger signed.
Ginger never signed suck agreement. I have no interest at all on the purchase and or lease whatsoever. A saleman (Andrew) knowingly accepted a check that was no good, and obtained it under a duress situation with Ginger.
My name is nowhere on any form, contract and or lease; how can they accept money from a person who is not on the lease or financing, I as the person paying the check did not sign or acknowledge in anyway a check hold. I have obtained a copy of such Check hold and Ginger's or Carl's Names or signatures are nowhere on this document.
I just was lied to my face by Andrew, who failed to disclose all matters as need per N.R.S AND knowingly accepted a check that was no good from a 3rd outside party with no permission to process check. And the check Hold agreement has false name prints by other salesman not involved. and the General Sales Manager Charlie was in on the entire situation from the beginning and basically told Me that It ok to lie as a saleman. It's what in black and white that counts. I call it fraud, obtaining monies under false circumstances, and knowingly sold a car to a woman who could not afford the car to begin with and "that's how we make our money" as per charlie last remark to me personally.
I thought that a financing bank could not accept monies from any person not on the lease of the vehicle in the state of Nevada. So why did they trick me into writing out this check? Under duress they had Me and Ginger at different times supply them documents under DURESS.
State of Nevada that is Illegal and Under the Good faith law and disclosure Laws how can they keep in business, and take hard earned money from consumers time and time again, without any punishment whatsoever!
Las Vegas, Nevada