• Report: #48736

Complaint Review: Ford Motor Credit/Law Offices Of Randolph, Boyd, Cherry And Vaughan

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  • Submitted: Tue, March 11, 2003
  • Updated: Wed, March 12, 2003

  • Reported By:Sterling Virginia
Ford Motor Credit/Law Offices Of Randolph, Boyd, Cherry And Vaughan
13 East Main St. Richmond, Virginia U.S.A.

Ford Motor Credit Law Offices Of Randolph Boyd Cherry And Vaughan and/or the lawyers made several false promises, costing my wife thousands Richmond Virginia

*Consumer Suggestion: Alan try this info & ..never think that a bank or auto lender will work with you the way you want them to.

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FIRST LET ME POINT OUT THAT AT THIS TIME, WE ARE NOT SURE WHO IS THE TRUE SOURCE OF THE FOLLOWING MISREPRESENTATIONS.

WE ARE SEEKING LEGAL ADVICE AND PLAN TO PURSUE THIS TO THE FULLEST EXTENT OF THE LAW.

When I met my future wife in early '99, she owned a '97 Ford Escort which she had purchased in California and financed through Ford Motor Credit at 3.9% for 60 months. Later that year, she decided she wanted something sportier. Our first mistake was buying something before selling her Escort.

Since we then had two cars to pay on, we needed to get rid of her Escort quickly. It wasn't in the best shape and she owed more than it was worth, so selling it would be a problem. I suggested she call Ford Credit to ask if they could work out a deal to take the car back. She was told that yes, they would accept the car under a "voluntary surrender" policy.

According to this policy, she was told the following:

1) She could voluntarily return the car and it would NOT go on her credit report as a repossession, but instead as a voluntary return or surrender. According to the representative, this would not be viewed as negatively as a repo.

2) Stop making payments for now. Once the car was sold at auction, she could resume regular monthly payments until the balance was paid off.

3) they would pick up the car on a scheduled date which was given to my wife, at which time she could surrender the car and the keys.

My wife stayed home from work for two days waiting for them to show up. Instead, they showed up in the middle of the night after the 2nd day and took the car away.

She didn't hear anything from Ford. A few weeks later when she was informed by The Law Offices of Randolph, Boyd, Cherry and Vaughan that:

1) The car was sold at auction (which was expected).

2) She owed a balance of approximately (from memory) $7100.

3) This debt was in collection because the car was REPOSESSED.

4) The collection agency would accept a payment of $4500.

5) She would not be able to make payments on this debt. She had 30 days to pay in full. (this was reiterrated to her on at least 4 occassions)

She told them that she could not come up with that much money in 30 days. They said "OK" and hung up.

My wife was then summoned to court on Nov 8, 2000:

1) She contested the amount owed and told the judge that she was not allowed to make payment arrangements. The lawyer told the judge that she could, in fact, make payments.

2) The case was continued to Dec 13, 2000 and she was told to talk to the attorney in the hall regarding payments.

3) The attorney told her she would arrange payments for her through her office. She was also told that the attorney would cancel the continuence since my wife was willing to make payments, and that she would not need to show up on Dec 13.

In December, my wife received a repayment plan in the mail for $235/mo for 36 months. Interest was never mentioned in any documentation.

Payments were made by myself every month, automatically by my bank.

In February 2003, we received a letter stating that a new account number was assigned and that there would be a discount for a lump sum payoff.

On March 10, my wife called for a reduced payoff amount. She was given a balance of $3689.71. My records showed we owed a balance of only $1880, due to be paid in full in Nov 2003.

In follow-up calls to the firm, she was told that this difference was due to the 9% interest that was in the original contract signed with FMC. When questioning that rate, since her original rate was 3.9%, she was told that per Virginia law, if the debt went into collection, they had the right to raise the rate from 3.9% to a max of 9%. We are unsure at this point whether or not the face that she originally purchased and financed the car in California makes any difference.

In researching this situation and gathering past information, we discovered that on Dec 13, the law firm DID show up in court and my was received a default judgement against her since she was not present. Remember, the lawyer told her there wouldn't be another court date to show up to, since payment arrangements were made.

As we continued to make calls to this firm, demanding more information, her payoff amount was repeatedly lowered to $2200. We told them we'd discuss this with our lawyer.

Today (3/11/2003) we made several calls to FMC and Ford's National Recovery Center requesting a copy of my wife's original agreement and Ford's 'voluntary surrender' policy. She was told that they don't have any written policy, and that the voluntary surrender paperwork should have been filled out when they picked the car up. Remember, my wife stayed home two days waiting for them to show up, but they instead reposessed the car in the middle of the night.

We were also told by Ford's NRC that the law firm has all the documentation along with the original contract that she signed with FMC. I talked to the firm myself yesterday and was led to believe they did not have such paperwork.

To me, this seems like fraudulent law office practices. We will find out more as we press on.

Alan
Sterling, Virginia
U.S.A.

Click here to read other Rip Off Reports on Ford and Ford Dealers

This report was posted on Ripoff Report on 03/11/2003 08:55 AM and is a permanent record located here: http://www.ripoffreport.com/r/Ford-Motor-CreditLaw-Offices-Of-Randolph-Boyd-Cherry-And-Vaughan/Richmond-Virginia-23219/Ford-Motor-Credit-Law-Offices-Of-Randolph-Boyd-Cherry-And-Vaughan-andor-the-lawyers-made-48736. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Suggestion

Alan try this info & ..never think that a bank or auto lender will work with you the way you want them to.

AUTHOR: The Great Thorn - Rip-off Report Consumer Advocate - (U.S.A.)

Alan I am The Great Thorn. I am a consumer advocate for www.ripoffreport.com. I love to help car buyers with their troubles. I will not say I am the best, But I know where to push the "Thorn" when needed.

I feel that you need some contact info that might help you. Ever notice when going to any car makers web sites that you can't find no ones email address. Does it seem to you that they all just want to get your money and then HIDE!

Well they can't hide from "The Great Thorn" I am posting some info that might help you.

By the way never think that a bank or auto lender will work with you the way you want them to.

Go to www.repo.org and see how many repo men are in your state.

Think of this below contact info as insider info that no car dealer would want you to have.

Ron Iori
riori@ford.com
Brand(s): Ford Motor Company
Department: Global Operations
1-313-3372456
1-313-791-6837

John Ochs
jochs@ford.com
Brand(s): Ford Motor Company
Department: New Media Team
1-313-337-3669

Ford Finance people
Harold Allen
hallen1@ford.com
Brand(s): Ford
Department: Dallas Regional Office
1-214-528-7120
1-972-437-9371

Call up Anne here below and ask her for her fax number. Then fax her a "Printer Friendly Version" of your Rip Off Report.

Anne Bork
abork@ford.com
Brand(s): Ford Motor Company
Department: Investor Relations
1-313-323-8221 1-248-539-5560

Nancy Carollo
ncarollo@ford.com
Brand(s): Lincoln, Mercury
Department: Lincoln Mercury
1-949-341-7691
1-949-768-5391

John Clinard
jclinard@ford.com
Brand(s): Ford Motor Company, Ford, Lincoln, Mercury
Department: Los Angeles Regional Office
1-949-629-2032
1-949-854-2838
1-888-467-3673

Ellen Dickson
edickson@ford.com
Brand(s): Ford Motor Company
Department: National Communications
1-202-962-5383
1-301-951-9113
1-202-253-7083

Della DiPietro
ddipietr@ford.com
Brand(s): Ford Motor Company, Ford, Lincoln, Mercury
Department: U.S. Regional Operations
1-313-248-3770
1-734-663-0867

Marcey Evans
mevans13@ford.com
Brand(s): Ford Motor Company
Department: Quality
1-313-845-1595
1-313-563-4177

Give Ford's Global News department something to chew on.
Brook Galbraith-Smith
bgalbrai@ford.com
Brand(s): Ford Motor Company
Department: Global News Bureau
1-313-323-0646

Kathleen Hamilton
khamilt4@ford.com
Brand(s): Ford
Department: New York Regional Office
1-212-265-2839
1-917-816-3067

Karen Hampton
khampto2@ford.com
Brand(s): Ford Motor Company, Ford
Department: Ford Division
1-313-323-7045
1-313-605-2999

Harold Allen
hallen1@ford.com
Brand(s): Ford
Department: Dallas Regional Office
1-214-528-7120
1-972-437-9371

Anne Bork
abork@ford.com
Brand(s): Ford Motor Company
Department: Investor Relations
1-313-323-8221

Nancy Carollo
ncarollo@ford.com
Brand(s): Lincoln, Mercury
Department: Lincoln Mercury
1-949-341-7691
1-949-768-5391

Lydia Cisaruk
lcisaruk@ford.com
Brand(s): Ford Motor Company
Department: Product Launch
1-313-390-0526
1-248-541-4279

John Clinard
jclinard@ford.com
Brand(s): Ford Motor Company, Ford, Lincoln, Mercury
Department: Los Angeles Regional Office
1-949-629-2032
1-949-854-2838

Bill Collins
wcollin1@ford.com
Brand(s): Ford
Department: New York Regional Office
1-212-265-2794
1-212-873-4635

I feel that Ford's National Communications department should have a copy of your Rip Off Report.

Ellen Dickson
edickson@ford.com
Brand(s): Ford Motor Company
Department: National Communications
1-202-962-5383
1-301-951-9113

Della DiPietro
ddipietr@ford.com
Brand(s): Ford Motor Company, Ford, Lincoln, Mercury
Department: U.S. Regional Operations
1-313-248-3770
1-734-663-0867

Ron Iori
riori@ford.com
Brand(s): Ford Motor Company
Department: Global Operations
1-313-3372456
1-313-791-6837

Daniel Jarvis
djarvis1@ford.com
Brand(s): Ford Motor Company
Department: Ford Financial
1-313-594-2527
1-313-372-8053
1-313-220-8189

Paige Johnson
pjohns29@ford.com
Brand(s): Ford Motor Company
Department: Customer Satisfaction & Technologies
1-313-248-6820
1-248-735-0168
1-313-378-6395

Angela Coletti
acoletti@ford.com
Brand(s): Ford Motor Company
Department: Global News Bureau
1-313-3901759
1-586-296-9596
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