• Report: #882257

Complaint Review: Universal Autos

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  • Submitted: Sun, May 13, 2012
  • Updated: Sun, June 03, 2012

  • Reported By: Jade Cheatham — las vegas Nevada United States of America
Universal Autos
Sahara And Eastern las vegas, Nevada United States of America

Universal Autos They set me up With a bogus loan and told Me I needed to put more money down I gave them 10 thousand dollars of my grandmothers money she left me from her recent death las vegas, Nevada

*Consumer Comment: Jade arrested again!

*Consumer Comment: Jade, here's some info that may help....

*Consumer Comment: Hey..."smart girl"...I'm still waiting to hear from your lawyer.

*Consumer Comment: Illiterate dancer! LOL!

*Consumer Comment: The very smart girl has been exposed

*Consumer Comment: Here's the booking photo for this "genius"...

*Consumer Comment: The "facts" regarding this "smart girl" Jade "Jasmine" Cheatham

*General Comment: Lawyer........hahahahahaha

*Consumer Comment: Why?

*Consumer Comment: OK

*Consumer Comment: Lawyer??? For what??? Because you are a liar and an idiot??

*Consumer Comment: And finally, we have

*Author of original report: Lawyer

*Author of original report: ok

*Consumer Comment: The #1 indicator that someone is clueless

*UPDATE Employee: Repossession

*Consumer Comment: And the illiterate rambling continues! Jade...

*Author of original report: Really dont care

*Author of original report: Really dont care

*Consumer Comment: Not the brightest light in the harbor

*Author of original report: Whatever

*Author of original report: GOODBYE

*Consumer Comment: The objective is to be smarter than a door knob

*Consumer Comment: Jade, a simple typo, much different than illiterate rambling

*Author of original report: Kiss OFF

*Consumer Comment: No ripoff, just old fashioned stupidity!

*Consumer Suggestion: Grandparents take note

*Consumer Comment: Do you have a guardian?

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Universal Autos are rips offs I gave them 10 thousand dollars on a car that my grandma left me from her recent death for it to break down on me I called them about it and they told me to bring it in and they will look at it when i brought it in they told me nothing was wrong with it and they took my key and told me to pay 2 more thousand dollars that I owed them I told them no the car doesnt work why would I give you more money on a car that doesnt work I just wanna return the car and get my money back they told me I couldnt and if I didnt pay the other 2 thousand dollars that I would have to surrender the car and it would be in reposition which I find odd because I didnt even pay the first note on the car yet so how can I surrender a car that isnt mine which the finance  guy named bobby had told me . I couldnt believe what I was hearing then they told me I wouldnt be able to leave with the car if I didnt pay the money well that was fine all I wanted was my money back because I didnt even pay the full deposit yet I've asked around and have gotten the same answer you were suppose to get your money back the finance guy also told me It was state law but the state law says thats only if you have paid the full deposit and you've paid the first month note I'm sure , Some one please help me I guess the owner was trying to be nice and gave me a car worth 3000 dollars but it broke down 2 days later but from what bobby the finance guy had told me they couldnt give me another car , I'm confused and I know I was ripped off because I kept catching them up in their lies but once they had my money they wouldnt give it back I would of payed the 2000 dollars if the car was working but it wasnt please some one help me I'm part of the police family in las vegas nv and I'm sure they wouldnt let them do this to someone part of the police family so if anyone can get back to me please do so I'm mad and that money was a gift from my grandmother who passed who also worked for the police department for 13 years their ripoffs and they stole my money help help help

This report was posted on Ripoff Report on 05/13/2012 08:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Universal-Autos/las-vegas-Nevada-89129/Universal-Autos-They-set-me-up-With-a-bogus-loan-and-told-Me-I-needed-to-put-more-money-d-882257. 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:
7Author 21Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Jade arrested again!

AUTHOR: Robert - ()

Such a smart girl- arrested again in January 2013

Most folks merely get a speeding ticket, but this smart girl managed to get ARRESTED with a $405 bond for speeding 10 mph over the limit!

http://www.whosarrested.com/nevada/clark-county/las-vegas/ccdc/2397425-jade-cheatham
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#2 Consumer Comment

Jade, here's some info that may help....

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Here's a link to some very important info that will help the next time to be a "gangsta" and buy a car you can't afford. I think your whole family should see this...Really...

http://www.spoc.tv/tv-sketches/niggerette-video.aspx

A very educational video.

And...I'm still waiting on your lawyers to contact me!

Should I send them directions in Ebonics?
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#3 Consumer Comment

Hey..."smart girl"...I'm still waiting to hear from your lawyer.

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Hey "smart girl"....I'm still waiting for your lawyer! Where is he??

I really hate when people make threats and don't follow through.

The only "ripoff" here is that you got onto a public forum and posted blatant lies about a place of business that actually helped you out even after you defaulted on your agreement with them!

You need to lose your "entitlement attitude".

You are entitled to NOTHING.

The fact of the matter is, that you are trying to live a caviar style life when you are on a dog food budget.

Get used to the dog food.

That's the best advice I can give you.



You clearly made a bad choice to buy a BMW that you obviously could not afford.

That was just plain stupid, so you are NOT a "smart girl".

IF you were truly a "smart girl" you would have purchased a more conservative car with a warranty for that $10,000 and owned it outright, or made very small payments for 2-3 years that you could afford, and that would have built your credit.

THAT would have been "smart".

But, instead, you had the need to be "gangsta" in your little thug loser life, and it didn't work out for you.

It seems like your Mom would have given you some better advice.

Makes me thing your Momma is a loser too.

The apple usually doesn't fall too far from the tree.

Grow up.

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#4 Consumer Comment

Illiterate dancer! LOL!

AUTHOR: Robert - (USA)

Let's see "smart girl."

You really should keep this kind of stuff off your facebook page:  http://www.facebook.com/jadecheatham09

I GOT THE JOB AT THE NIGHT CLUB YAYYY !!!! .... now I have a job interview at golden gate casino as a go go dancer I pray I get this one too :-)

ughhhhh who sells I need to buy


It's so crazy how I know half of the police in the city smh I'm always getting off :-) ha

Then we have the illiterate rantings of a wannabe model at:  http://www.unitedtalentsearch.com/jadecheatham

My personality is happy free spirit and I love to smiles upon other people faces even if I feel blue that day I love life and I'm full of it I'm out going fun and energetic and I let nothing stand in the way of my happiness and my goals that I look to achieve I'm a  dedicated and hard working always looking to learn new things , Well thats about it I hope I can find great work from here Thank you !!!

Then there is this wonderful mugshot of our aspiring model (AKA "very smart girl"):  http://www.jailbase.com/en/arrested/az-mcso/2011-12-17/jade-jasmine-cheatham-p827878

Please visit the nearest planned parenthood facility in your area-you probably shouldn't make any more children in the near future!

You're quite the catch, aren't you dear?  Please, PLEASE stay in school-you need it more than you know.
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#5 Consumer Comment

The very smart girl has been exposed

AUTHOR: coast - (USA)

The only BMW she's driving is stolen!

For her BBB=Breakfast Behind Bars.
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#6 Consumer Comment

Here's the booking photo for this "genius"...

AUTHOR: Ken - (USA)

The "intelligent" look says it all.
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#7 Consumer Comment

The "facts" regarding this "smart girl" Jade "Jasmine" Cheatham

AUTHOR: Southern Chemical and Equipment LLC - (USA)

I did about 2 minutes worth of basic search on this "smart girl".

It appears she is not actually smart, and lives making a series of bad choices.

Her "stage name" is JASMINE.

Enough said there (as suspected).

>>

Jade Jasmine Cheatham

Inmate #:P827878

Last Arrest Date:12/16/2011

Sex:Female

Race:Black

Age/DOB:21

Height:5' 6"

Weight:125

Charges Resulting from Arrest on 12/16/2011Detention Facility: MCSO

1.Assault-intent/reckless/injureCounts: 1Bond: $0.00

>>

She lies on various public profiles, one of which she claims to be 24.

And, filled with all of the same poor spelling and grammar and word use.

Totally illiterate.

There are about 3 full pages of search results on her with a quick search.

It appears that she uses drugs as well from her own social networking posts.

Single black female, single mom, daddy unknown, living with Mommy.

Yeah....OK

Sick those lawyers on me.

I'll be waiting.

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#8 General Comment

Lawyer........hahahahahaha

AUTHOR: R - (Canada)

Why on earth would your lawyer (I'm sure you have one on retainer) contact the other contributors this thread?

Are you planning to sue for defamation of character? (your original post, follow-ups and lack of any grammatical structure have taken care of that all by themselves).

How was "your" lawyer going to contact the anonymous responders?

You may have a valid complaint but your complete lack of writing skills and childish name calling have rendered it moot.

Stay in school, and get an education, you need it.

Leave the grown up stuff to the adults little girl.
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#9 Consumer Comment

Why?

AUTHOR: coast - (USA)

"my lawyer will be contacting you guys"

For what reason? Does he need advice?
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#10 Consumer Comment

OK

AUTHOR: Ramjet - (U.S.A.)

And what will your lawyer be suing them for?

I will be interested to read any reports from the people who are contacted.

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#11 Consumer Comment

Lawyer??? For what??? Because you are a liar and an idiot??

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Please, Jade, don't insult my intelligence here.

Lawyer? Really? For what?

Because I proved that you are a liar?

(And an idiot).

You think that when some brainless twit mentions "lawyer" I will go away?

I eat lawyers for breakfast.

I actually have a track record there.

BRING IT ON! I live for this kind of stupidity. It's a great hobby.

You should consider your self to be real lucky that the car dealership you wrote the lies about does not sue you.

The bottom line here is that you should own up to your bad behavior and your lies, and apologize to all you have hurt with your childish nonsense, and move on.

Grow up.

And whatever you do, go back to the third grade and learn how to communicate like at least a semi-literate adult.

Capitalize.

Punctuate.

Use structure.

Separate your thoughts.

But most important....MOVE ON.

You pick a fight with me...you lose.

Guaranteed.

Question: Is your "lawyer" another illiterate stripper?

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#12 Consumer Comment

And finally, we have

AUTHOR: Robert - (USA)

this empty threat tossed out by this self-proclaimed "very smart girl."

You guys shouldnt respond because my lawyer will be contacting you guys in a couple of days see you soon !!!


I can't stop laughing.  I can only hope that she'll be getting a tubal ligation in the near future to remove her from the human gene pool.  LMAO!

Hey "very smart girl," you should read the terms and conditions of RipOff Report.  Tell us how I or anyone else is going to be contacted by your attorney in a couple of days.  ROTFLMAO!

P.S.  Stay in school dear, you need it.
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#13 Author of original report

Lawyer

AUTHOR: Jade Cheatham - (United States of America)

You guys shouldnt respond because my lawyer will be contacting you guys in a couple of days see you soon !!!
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#14 Author of original report

ok

AUTHOR: Jade Cheatham - (United States of America)

haha ok
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#15 Consumer Comment

The #1 indicator that someone is clueless

AUTHOR: Southern Chemical and Equipment LLC - (USA)

I can always tell that a person is clueless when posting here on ROR just by looking at the way the initial report was posted.

For example, this genius posts in the wrong category, and then uses cross streets as an address, and types in too many digits in the phone#, and all the while using all lower case when posting, with no puctuation or structure.

..So, Jade, Was it the court or a judge that ripped you off, or was it the car dealership?

(Seems like a college student could figure out how to post in the proper category).

..Did you not know the address of where you did business, or were you just to lazy to take 3 seconds and do it right? (Most strippers just use cross streets in Vegas, as I know from my prior 6 years driving a cab in Vegas).

..Too many digits in the phone#

>>

Posting: Tuesday, May 15, 2012 Reported By: Jade Cheatham las vegas Nevada United States of AmericaUniversal AutosSahara And Easternlas vegas Nevada 89129United States of AmericaPhone: 70243103608Web: Category: Court JudgesUniversal Autos  They set me up With a bogus loan and told Me I needed to put more money down I gave them 10 thousand dollars of my grandmothers money she left me from her recent death las vegas, Nevada

>>

You claim to ve a "very smart girl", but you have displayed no intelligence whatsoever in these posts.

What is your major in college?

What is the name of the strip club you work at?

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#16 UPDATE Employee

Repossession

AUTHOR: Universal Auto - (United States of America)

This customer came into our store with her mother a while after buying the car and told us that she could no longer afford the payments. She agreed that she had gotten in over her head and was just going to surrender the vehicle. That she would just buy another car later. Since she had put so much money down and had been honest in her dealings with us, we offered to give her a car that she would not need to make payments for, and would own free and clear.

At that time, she was very grateful and said that she appreciated the gesture and although the new car wasn't a BMW, she was blessed to have any car at all and that some people have no car. She left very happy.

Typically in a case like this, we wouldn't give the person surrendering a car anything. They are the one breaking a contract by not continuing with their payments. We went above and beyond in this case and I am very surprised to read this. The BMW had no major problems at all and is now in the possession of a happy new owner.

We will continue to deal with our customers in a fair and ethical manner. Please make sure that the financing terms you agree to are within your budget before entering into a contract.

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#17 Consumer Comment

And the illiterate rambling continues! Jade...

AUTHOR: Southern Chemical and Equipment LLC - (USA)

You never posted the year of that BMW and what the actual sales price was.

That's ok, I'll contact the car dealership and get the rest of the info from them.

In any case, I doubt a 21 year old needs a BMW.

That's just not sensible.

That is an expensive car to own and operate.

The maintenence is expensive.

The insurance is expensive.

Let me guess...a single mother too, right?

Where's the daddy of your 1 year old child?

Do you even know who the daddy is?

It looks like your life is a series of bad choices.

FYI...I bought my FIRST house whan I was 19 years old with no help from anyone.

Didn't need to squander money from a dead relative to get what I wanted.

AND...I pay cash for my vehicles. I never finance at any level.

Let me tell you something for sure.  With your attitude, a college degree won't matter.  You will be unemployed, or underemployed.

Regardless of what anyone tells you, a college degree in itself is worthless.  You need other experience and qualities to go along with the degree in order to be successful.

In any case, I'll contact the car dealership and get the other side from them.

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#18 Author of original report

Really dont care

AUTHOR: Jade Cheatham - (United States of America)

Go get a degree in in KISSING MY A** k :-)
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#19 Author of original report

Really dont care

AUTHOR: Jade Cheatham - (United States of America)

I really dont care because you have no idea what your talking about i'm not gonna stoop down and talk to someone who obviously cant read and has no idea of the situation so wont you go do what your girl or your wife does best and yea i'm a bimbo thats why I turned around and bought another car so goodbye 
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#20 Consumer Comment

Not the brightest light in the harbor

AUTHOR: coast - (USA)

"I HIGHLY DOUBT your some kind of business man"

you're NOT your

"if your a business man"

you're NOT your

"you have no class and your ignorant"

you're NOT your

You may want to learn the difference between your and you're if you expect to earn that degree.

"I have to be the adult here... so you can go f*k yourself"

Yea, that's the adult way to communicate.

"Now look who looks like the dumb ass"

Yea, now who's the dumb ass? It's the bimbo that lost $10K on a car worth $3K.
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#21 Author of original report

Whatever

AUTHOR: Jade Cheatham - (United States of America)

ha !! well thank you for saying that because I did put down a nice car with 10 k a bmw that you very much how about you re read the whole situation again and understand what happen Now look who looks like the dumb ass smh Move one loser
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#22 Author of original report

GOODBYE

AUTHOR: Jade Cheatham - (United States of America)

Really , I HIGHLY DOUBT your some kind of business man but obviously I have to be the adult here so I'm going to be the adult here and leave this conversation and finish doing my college work studying for MY degree so you can go f*k yourself and be about your paper if your a business man because you obviously have too much time on your hands ...... And by the way d*k I'm a 21 year old mother of a 1 year old and I dont have to strip to take care of her I'm not like your wife or the women you date because you have no class and your ignorant so why would  I expect your women not to be oh and yea I turned around and bought me another car :-) thank you and goodbye 
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#23 Consumer Comment

The objective is to be smarter than a door knob

AUTHOR: coast - (USA)

"I gave them 10 thousand dollars on a car... gave me a car worth 3000 dollars... I'm a very smart girl"

That does not appear to be a purchase made by a smart girl.

You could have bought a decent car with $10K or put down a fat deposit on a very nice car with low payments. That's what a smart girl would have done.
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#24 Consumer Comment

Jade, a simple typo, much different than illiterate rambling

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Jade,

I make 1 typo, and that makes me illiterate??

I don't think so.  Actually, I'm multi-tasking while running my business and typing these reports.

On the other hand, your responses look like they were written by a third grader.

Illiterate rambling at it's finest..no capitalization, no puctuation, run on sentences, mis-spellings galore, etc..

I am ashamed to say that you represent our current generation, and that you represent the quality of our educational system.

That's ok though, plenty of strip clubs in Vegas for you to work at!

That's where all of the illiterate young bimbos work.

Cheetah,s, OG, the Rhino, etc..Or do you already work as a stripper?


Idiot.





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#25 Author of original report

Kiss OFF

AUTHOR: Jade Cheatham - (United States of America)

All of you are very ignorant individuals and obviously I'm not the one the one who needs to go back to the third grade if you cant even spell country right so with that being said idc how you feel i'm a 21 year old who wanted answers maybe I am wrong or maybe I'm right that was the whole point of the post dumbass but yea maybe all of you all are broke and wish that some of your parents cared enough to leave you something so keep your negative comments to yourself please because at the end of the day i'm looking for answers not money because I'm fine in that part of my life and I'm not stupid I'm a very smart girl that was caught up in something I knew nothing about i'm sure all of you when 21 where not that smart and by your comments are still lacking in that ... So with that being said kiss my ass and get a life go bother real ignorant people yourselves 
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#26 Consumer Comment

No ripoff, just old fashioned stupidity!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

There is no ripoff here.

Just multiple displays of stupidity.

You are mixing the issues, when one issue has nothing to do with the other.

I can tell right from the start that stupidity is the main factor here, as the OP is barely literate.

Go back to the third grade and try again.

Illiteracy is a big problem in our contry, so don't be part of the problem.

It is obvious that you purchased a USED vehicle, right??

(You never mentioned the year, make, model, or mileage).

What does your WRITTEN WARRANTY say?

You did get a warranty, right??

Was this BANK FINANCING, or "Buy Here, Pay Here" financing??

(This makes a difference as to your legal rights).

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#27 Consumer Suggestion

Grandparents take note

AUTHOR: Larry - (U.S.A.)

This report is why you should not bequeath money to stupid grandchildren.  Your money cannot possibly make them smart and your money will end up in the hands of strangers.  Live well, spend all your money while you are still alive, and burden the grandkids with debt when you die.
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#28 Consumer Comment

Do you have a guardian?

AUTHOR: MovingForward - (USA)

It is apparent from your report that you need a guardian to help you with everyday tasks. Do you have an adult in your family that can help you? If so, go to them now and tell them what you have done with your inheritance. You should not have access to any more funds without supervision.
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