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Report: #439737

Complaint Review: Chicago Lenders - Cactus Jack - Mesa Arizona

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  • Reported By: Mesa Arizona
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  • Chicago Lenders - Cactus Jack 1313 S Country Club Dr Mesa, Arizona U.S.A.

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I visited Cactus Jack's Auto lot in Mesa back in June of 2008. My friend saw a Camaro they had on the lot and thought I would be interested in it. I took a ride over there to get more info about financing. After talking with the Sales Manager, he said the Camaro would require a hefty down payment plus high monthly payments. I had a 95 Caddy SLS as a trade. They were only willing to give me $800 for trade ( Kelly Blue Book was well over $2000). They tried offering me compact cars and other smaller sports cars. I told them I was not comfortable driving anything other than the Camaro. The Sales Manager insisted I test a Nissan Pathfinder that was on the lot. I reluctantly agreed and took it around the block. It seemed to drive ok, and since my credit wasn't the greatest, I didn't feel like I had a choice.

After 4 months and about 4000 miles, I started to experience transmission problems. I took the truck to AAMCO and also to a local mechanic. I explained the problem and they said I would need a soft rebuild. The local mechanic told me Nissans had issues with the transmission cooling line. He suggested I take it back to Cactus Jack, since you would think they would want to keep a happy customer. After a week of the truck on their lot, Francisco called me and said the price for the rebuild would be approximately $1100. I asked him if there was anyway to work the price into my payments. He said his manager could but would require at least half down. I told him there was no way I could afford that since I still had to make the truck payment plus the insurance. I gave him the keys and cleaned out the truck. I went across the street to another dealership who had a Camaro and were willing to work with me.

After a couple of months, I recieved a call from Chicago Lender's legal department. Since the truck was technically repossed and sold at auction, she stated I still owed the difference. I sent her a letter stating my situation, but she still insisted that I owed the difference for the truck. The truck was auctioned during the time when gas prices were way up, so the value was next to nothing. I again sent her a letter explaining that if Chicago Lenders insisted I pay for a vehicle I no longer owned that at least could we comprimise on the amount owed. I recieved no response.

So if anyone is unlucky to have bought a vehicle from Cactus Jack and you experience problems, I suggest sell it outright. They will sell it at auction for what ever price they get and stick you with the balance.

Thomas
Mesa, Arizona
U.S.A.

This report was posted on Ripoff Report on 04/01/2009 04:06 AM and is a permanent record located here: https://www.ripoffreport.com/reports/chicago-lenders-cactus-jack/mesa-arizona-85204/chicago-lenders-cactus-jack-they-sold-me-a-lemon-mesa-arizona-439737. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
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#5 Consumer Suggestion

You don't have a valid complaint

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

POSTED: Tuesday, June 09, 2009

First of all, what do you expect if you buy your car from somebody named "Cactus Jack?"

If they didn't want to sell you a Camaro, then you had no obligation to buy anything from them. They didn't hold a gun to your head and force you to buy something else - you agreed to buy something else.

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#4 Consumer Comment

You still don't get it.

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

POSTED: Thursday, April 02, 2009

True, you bought a P.O.S. truck. You might have avoided this by having it checked out by a good mechanic before buying. Once you close on an "as is" contract on a used vehicle, all future problems belong to you.

As for their business practices, I think your argument lacks any basis in reality. They are not required to renegotiate anything with you. They already have a contract with you. As for paying for half of the repairs, why should they? If car lots went around forking over money for repairs to used vehicles that were sold months before, they'd be out of business in no time. The bottom line is that what you are asking for is unreasonable.

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#3 Author of original report

I AM TO BLAME

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

POSTED: Thursday, April 02, 2009

I accept responsibility. I know it's my fault for buying a P.O.S. My complaint is there business practice. They were not willing to negotiate anything. The were not interested in selling me the Camaro. Nor were they willing to pay half for the repair to the truck. They wanted me to come up with half down and add the balance to my payment. Cactus Jack and Chicago Lenders are only interested in one thing, and it's not to make a happy customer.

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#2 Consumer Comment

Don't you have any responsibility?

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

POSTED: Wednesday, April 01, 2009

There is so much wrong with your complaint, and all of it is your responsibility.

1) You really wanted a Camaro, but let someone talk you into a SUV against your will? If you want a Camaro, then just buy one in the first place. Hardly a "ripoff" if you let someone else change your mind that easily.

2) Then you thought your trade in was worth $2000 instead of $800. I guess you should have just sold it yourself for the $2000 then instead of deciding to trade it in. Anyone who has ever traded in a car knows you don't get full value, since the dealer needs to make a profit on the resale.

3) You drove the truck for 4 months and 4000 miles and then it broke down. Boo h*o. Guess what, used vehicles sometimes occaisionally need repairs; I guess you should have bought one with a warranty if you expect someone else to pay. How is that their fault after all that time on an "as is" sale? It sounds to me that they went above and beyond to satisfy you by even agreeing to pay half.

4) You abandoned the truck after deciding you couldn't afford to even pay for half of the repairs, and then went and bought a Camaro anyway. How did you get the money to buy the Camaro? After abandoning the truck, why would you figure you can just give it back,owe nothing, and drive by in your Camaro? Unbelievable!

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#1 Consumer Suggestion

Not really a rip off

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

POSTED: Wednesday, April 01, 2009

Of course you still owe them money. you agreed to pay them $x.xx for the truck. This amount was based on the cost of the truck plus the interest rate which was based on YOUR credit. The finance co paid the dealership the total amount you agreed to pay them...why would they accept anything less from you as repayment? Then they would be out that money through no fault of their own. Anything was not recovered through the auction process IS YOUR responsibility to pay.

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