Shamrock Ford ripoff, discriminiation, disabled, called a liar, threatened, $5,000.00 deposit yet to be recieved after recession of vehicle, Dublin California

Date of Purchase-
I Bought a used 2005 Ford Taurus SE (VIN# -----) from Ford of Dublin, in California, for $12,492.00 on March 10, 2006. I loved that car! I used a cashiers check from World Savings Bank in the amount of $5,000.00 for a down payment.

On the application, for employment, I used my current employer, the ------.

Employment Verification-
I am on disability through workers comp for an injury sustained in July 18, 2003. by law, I can not be terminated while on disability, and must still receive a portion of paycheck. therefore I am still employed by the -------- school district and I still get paid twice a month from the insurance carrier. Everything in the 'Employment' section of the loan application is true, based on physical evidence.

Repairing the Windshield-
On March 17, I called to have my windshield serviced because there was no seal around the lower right corner. they suggested to seal it or replace it, and told me to come in the next day to have it serviced between the hours of 1pm & 4pm. i arrived @ 1:30pm and the Dave said the window repairer had already left. i was told to come back Monday between 9am & 1pm.

March 18 I arrived at 12:15pm and Dave again said he was not coming in that day. again i was told to come back the next day. March 21 I had my windshield replaced @ Ford of Dublin. I arrived @ 9:30am. the window repairer did not arrive till 11:30am. 40 minutes later my car is finished. however i am informed that the person who replaced my windshield had mistakenly taken my keys. an hour later i can leave.

Returning the Car-
Apr 6 i receive a call from Doug in the finance dept. he says that i need to return the car because my loan was not approved. and threatened that if i did not comply i would "regret it" quote. April 7 i call ford to make arrangements for them to pick up the car, since I am disabled and would have no other means of transportation. the first person (name unknown, male) said that no arrangements could be made. i had to return the car and then they would give me the deposit.

i emphasized it had to be the day i took the car in and the man assured me i then spoke to Fareal (spelling?) she said that in order to get my deposit i have to sign a release paper. we made arrangements for Ford to pick up the car at my residence (68 miles away) , with my $5,000 deposit and the release paperwork, and from there, I would get my deposit back, sign the papers and hand over the car.

the priority of the check was the most important. she assured me i would get it right away.it was arranged that she would call the next morning (April 1) when they were coming to get the car. no call was received. I called at 4 but only got a voice mail. Apr 2nd no call, no contact, April 3 no call, no contact. Apr 4 i took the car in. i handed Doug the keys and he said i would have to sign some paperwork.

i asked about the deposit and said i would get it after the paper was signed. i signed the paper and Doug said that my check would be mailed and i would receive it in at least 4 days. i asked why my loan was not approved and he said "next time u shouldn't lie on your application". under his breathe, in front of witness, he said "to think i did all that work for a liar". when i asked why he said that he got up and walked away.

It has been 5 days since the check should have at least been here. that money is important. I have mandatory doctors appointments to go to. this is a grave inconvenience.


People I've Dealt With-
-Sales Associate: Norberto
-Finance Dept: Doug
-Finance Manager: Fareal
-Parts & Service: Dave

Discrimination against Disability-
They called me a liar. twice. once when the phone call to Fareal was made. the other man spoken to said "since u lied on the application your loan could not be approved." Doug again insinuated during the signing of the Release of Liability.If the loan was not processed or approved because of any doubt of employment, that is discrimination against peoples with disability. a violation of the ADA.

This is an accepted claim through Worker's Compensation of California. Phillip is on disability.

On the back of the contract under "Recession Rights" it says that the seller (FORD OF DUBLIN) is to send via mail a request for recession within 10 days of the date of sale. i did not receive anything through the mail, other than 2 customer service inquiries. i did however have a phone conversation with Doug on March 30, 20 days after the date of sale, 10 days after i should have received, via mail, the request for recession.

On every occasion I had to wait for hours. standing or sitting without reasonable accommodation. Before the sale Ford of Dublin knew I was on disability. it had been a topic of conversation.

I am employed through the ----- School District of California.

Gilbert ---- witnessed every phone call and every encounter. His Email: -------.

While signing the contract, I unknowingly signed an agreement for GAP insurance. Later the application was reviewed at home and this was noticed. I didn't know what GAP insurance was, and did not want it. Doug did not explain, suggest, or even mention the GAP insurance, let alone the cost. He was shoving paperwork and opting for a quick sign. the GAP insurance was unauthorized.

Ford of Dublin was threatening me by saying "if you don't bring the car back you'll regret it." -Doug. this was audibly witnessed by Gilbert -----. They also threatened with the intent to repossession, also audibly witnessed.

Everything either has proof or witness. I have the all the paperwork for everything mentioned. The money is important. but there is also discrimination. the loan was not approved because I am on disability and not employed by the ------ School District of California.

Again I am on Worker's Compensation and can not be terminated. I am still employed. they denied the application based on that I "might" not have substantial income. I makes 6x more than his car payment, and put down $5,000 of my own saved money. that's pretty substantial.

Gilbert
Turlock, California
U.S.A.

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