I purchased a 5 year , 100.000 miles warranty from Carchex . When the documentation and the contract came in the mail , I realize that the warranty company was SmartAutowarranty and not Carchex . Plus , on some of the contract pages was mentioned another name : Warranty America LLC . And when the first bill came , guess what ... a forth company was billing me : Mepco from IL .
I had an engine malfunction and I took the car to a local Lincoln Dealership , and I've been told that the repair ( new engine ) is going to cost me 6500 $ . When I called the warranty company , they decided in 5 minutes , without sending an inspector , without talking to me or to the mechanic that they are gonna deny my claim , using as an excuse one of the efects of the engine malfunction ( broken valve cover and the loss of oil ) wich they said it was the cause and not the efect .
I have spent 5-6 hours trying to explain them the real cause of the engine malfunction ( camshaft ) but they told me that I don't know anything about mechanicas . I called the Smartautowarranty and I asked for a cancellation of the warranty policy and a full refund of the 2 payments in total amount of 175 $ , but they declined that also .
I was also told that I signed a contract ad if I decide not to pay the warranty contract in full (1000$) they will "fix" my credit . I have filled complaints so far to the FTC , State Atourney for all 4 companies , unfortunatelly I can not afford a lawyer to sue them . Maybe someone can help me with ideeas on how to break down these scam artists . Thank you