• Report: #726850

Complaint Review: Larry H Miller Used Auto Mall

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  • Submitted: Sat, May 07, 2011
  • Updated: Sun, May 08, 2011

  • Reported By: Larry H. Miller Used Auto Mall - Mu — Salt Lake City Utah United States of America
Larry H Miller Used Auto Mall
5650 S. State Street, Internet United States of America

Larry H Miller Used Auto Mall, Larry H Miller Chevrolet When they say you have financing, double check, they might be lying. Internet

*Consumer Comment: Definition of "Predatory Lender"

*Consumer Comment: Very Odd

*Consumer Comment: Oh Please...

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I went to Larry H. Miller looking to trade in my vehicle from predatory lenders (Prime Auto Acceptance Corporation), only to be told that "Financing will not be a problem".  Well, guess what it was a problem, because now that the economy is bad the preferred customer is the one with excellent credit.  I wish to warn others about this company, because I feel that I was basically lied too, because now that I have received credit financing it is from another predatory lender (Courtesy Credit), who's payment is about the same as I was receiving from the other company. 

The only benefit I received was that the payments don't start until 45 days after I signed the contract which was yesterday.  So, everyone out there if you have bad credit don't see these guys, because they will set up up with another predatory lender and put a GPS on your vehicle (with a kill switch) and be stuck on stupid if (service department) you have any problems starting your vehicle.  This is by far the worst experience I have ever had, now that the economy is bad it is a wonder these guys are still in business, because everyone out there might not have excellent credit, but they do deserve to be treated with respect and these guys simply do not have it.

This report was posted on Ripoff Report on 05/07/2011 01:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/Larry-H-Miller-Used-Auto-Mall/internet/Larry-H-Miller-Used-Auto-Mall-Larry-H-Miller-Chevrolet-When-they-say-you-have-financing-726850. 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:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Definition of "Predatory Lender"

AUTHOR: Flynrider - (USA)

  If I'm reading this right, your defintion of the term is a lender who does not trust you, who must charge you an outrageous interest rate and must put a GPS on the car.   That's actually the definition of a sub-prime lender.   What that has to do with the car dealership is beyond me.   Your credit is in the toilet and sub-prime is your only choice.  That's not the car dealer's fault.   Try to get financed at any dealer and you'll likely get the same options.   

"now that the economy is bad the preferred customer is the one with excellent credit. "

   No kidding!   Actually, that was the case even before the economy was bad.  People who pay their bills on time do not have to put up with sub-prime lenders.  
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#2 Consumer Comment

Very Odd

AUTHOR: coast - (USA)

"Reported By: Larry H. Miller Used Auto Mall"

This is a confusing report because the OP is complaining about himself and his own company.

"I have received credit financing it is from another predatory lender (Courtesy Credit), who's payment is about the same as I was receiving from the other company."

Did you force yourself to sign an agreement? Did you hold a gun to your own head?
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#3 Consumer Comment

Oh Please...

AUTHOR: Jim - (USA)

You fully admit you have bad credit.  Because YOU gave YOURSELF bad credit, YOU do not qualify for prime financing.  When and if you establish a documented positive history of paying YOUR bills on time, then YOU will qualify for better APR because YOU will no longer be viewed as an increased risk for default.  The only reason a lender would require a kill switch is to protect the security for the loan...the car.  If you have resolved to make every payment on time, then they can put 100 kill switches on the car and it won't matter!  However, if you are of the mindset that making payments on time is "optional", then yes, you'll be fearful of what they might do. 

This isn't a matter of "respect".  Its all a matter of giving you what you want...financing for a car...while protecting the lender against the increase chance of default a subprime borrower brings. 

Since you are so-o-o concerned they may use a kill switch, then perhaps your resolve to make your payments on time isn't intense enough to bring you out of sub prime status.

And, no, I don't work for them.
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