Before reading my report, I would like to say that it may contain information that may be deemed
as personal. However, to fully comprehend the magnitude of this Ripoff Report, I felt it necessary
to do so. In trying to resolve this grievance that I have with Carl Altieri of Top Two USA, this is a proposal letter that I sent to him on July 25th, 2012:
Before I present what I think you will agree is a more than generous proposal, I would like to share my personal thoughts and feelings about our relationship over the past ten years.
When I thought about buying a car in 2002, I decided to give you a call and buy a car from you. I don't know if you ever wondered why I chose to do that. From the first time we met, I always had the feeling that you didn't particularly care about me, even to this day, and to this day, and I cannot understand why.
So, the first thought I had was that maybe by buying a car from you, I could win your friendship and
thereby be able to have fellowship with you and your family that I love so much.
Second, I figured it would be a financial blessing for you and your family.
And third, if and when I would ever need service, I figured you would make sure no unscrupulous mechanic would take advantage of me.
Well, after all these years, I don't believe your feelings about me are any different, again I cannot
understand why. I believe you were more than blessed with what I paid you for the car without bickering about the price, even though I was offered an identical car, in mint condition, with less mileage, for $9,000. less than I paid you.
And, the four times I gave you the car to have serviced for me, you had the car once for three
months, once for two months, once for five months, and this last time for almost six years. (which
he still has to this day)
So, over the past almost ten years, I have actually had use of the car for three years and four months.
After about three months of buying the car, back in 2002, you came to me, your dear friend, and asked me if you could borrow $5,000. for a month or two at the most, you said. Without hesitation, I agreed and the next day, handed you a check for $5,000. on a handshake. (No written agreement, I took you at your word,.. "a month or two".)
After six months passed, with never an explanation or repayment, you came to me again with an opportunity to make a killing on three cars that you could buy and you asked me if I would like to go in partners with you. I would put up the money, $17,000., you would buy and sell the cars, and we would split the profit. So, I gave you the money, you bought the cars, you sold the cars, and you not only kept the profits, you kept my money as well.
It took you almost six years, paying me in bits and pieces, at your discretion, to pay me the initial $5,000. that you first borrowed. You have been buying and selling countless cars over the last ten years with my $17,000. and between working for you three or four times without pay, and selling cars for you, you've given me about $5,000. more.
If you remember, when I worked for you that eleven weeks, you promised me $6,000 to $9,000. of insurance money that you were going to get from your dealers. For some strange reason, none of your twelve dealers paid you that year so you ended up paying me $800. for eleven weeks work.
If we only figured $200. for every car you've bought and sold with my money, not half of the profits, what would that come to for all these years? If we only figured 10% a year for the use of my money, that would amount to about $25 to $30,000. profit for me, besides my $17,000. back.
Carl, would you loan me $20,000. for ten years? How much would you want me to pay you back?
Would you loan me your money, for any length of time, at 10% a year? Yeah, I'm sure you would!?
Would you even loan me $5,000. for six years, if I just gave you your $5,000. back? Uh huh!
Well, neither would I Carl. But then again I didn't agree to let you use my money for ten years, you just decided on your own to use it, like you had that right.
It amazes me that you have never apologized, shown any remorse, or asked forgiveness for what you've done. I would have thought that you would have gone out of your way, paid any price, made whatever sacrifice necessary, to restore my car to mint condition to make amends. But, I guess, in your mind, you didn't do anything wrong. Or, maybe you figured, Joey will never do anything about it, so, why should I?
(My car has been sitting on his lot, or in the street, rotting, untouched, except for missing parts,
(he had 5 or 6 other vehicles, exactly the same as mine) and it is still in his possession waiting to
be fixed and painted.)
If I had my $22,000. ($5,000. and $17,000.) I believe I could have at least quadrupled my money in the last ten years. What then, do you owe me Carl?
Well, after much prayer and meditation, to be gracious to you, this is what I have come up with:
A) Return my $17,000. and restore my car to the same condition it was in when I gave it to you to fix almost six years ago, or sell it for me for the $5,000. that you said you could get for it as is,... Or,....
B) Give me Anna's car, (his ex-wife, my cousin), a 2006 Honda Accord and her debt to you, ($6500.) which is part of a settlement of their divorce, and either restore my car to the same condition it was in when I gave it to you to fix almost six years ago, or sell it for me for the $5,000. that you said you could get for it as is.
I'm sure you will agree, this proposal reflects my continued friendship.
I don't mean to impose on you folks that have read this but I would humbly ask for and appreciate, your opinion or comments on this matter, with whether you think I am being fair or not. I will take every opinion into consideration with whatever further action I may have to take and I'm open for suggestions in that regard as well.