Mark Mitsubishi ripoff Employs Dishonest Salespeople & Finance Officers lying, abrasive, pushy representatives verbally agreed to one deal and manipulated it on paper. Have no options as far as trading my vehicle in without a monstrous cash down payment Glendale Arizona

I am not suprised to read this report regarding Mark Mitsubishi. I have a friend that was extremely dissatisfied with this dealership. She was misled and lied to, concerning the Lancer she purchased. I myself am FED UP with the obnoxious over-advertising by these fools. Every time I hear a Mark Mitsubishi commercial on the radio or tv, I cringe and turn it off as quick as I can. Maybe if this company/dealership put a little more time, money, and effort into hiring decent staff, and promoting a decent business, rather than their rediculous advertising, more folks would be inclined to do business with them. If I had my way, Mark Mitsubishi would be gone and never allowed to do business in this state again.

I filed this original report back in May or June of this year. I also filed a complaint with AUTO CAP, which handles complaints against auto dealerships. After a few weeks, Kathy Immekus, Customer Relations Manager with Mark Mitsubishi, emailed me with their solution.

They offered to take my Eclipse back, but only if I traded it in for another Mitsubishi. That's like going to a restaraunt and finding roaches in your food, and the waitress asks you, "do you want me to bring you something else?".

Why would I continue to give my business to someone who has already scammed me? I know exactly what their intention was: to roll my $8000+ in negative equity over into some other P.O.S. Mitsubishi car that I'd end up living out of. No thanks! They responded back to AUTO CAP that I was uncooperative and that they had "done their best to accommodate me".

In early July, I voluntarily returned the vehicle to Mitsubishi Motors. I had already purchased another vehicle outright in May, and at that time, the dealership told me that my account with Mitsubishi Motors did not show on my credit history. They were amazed that I had an auto loan that wasn't showing on my credit report. To this day, it still does not appear on my credit history, even after the repossession.

I've pulled my reports with all three credit reporting agencies each month, and Mitsubishi Motors is no where to be found. Hopefully, this won't come back to haunt me.

Scott, have you ever purchased a vehicle? I'm sure you have, but you may not understand what its like to be a young, naive female being pressured into signing a hundred documents in under 5 minutes. We all know the finance guys do NOT give you a spare second to read anything they put in front of you.

Their job is to complete as many contracts as possible in one day. They're not going to give you any time to read the pages & pages & pages of fine print they throw in front of you.

I trusted that what they were summarizing for me was true to the best of their knowledge, and they blatantly deceived me, knowing I was young, naive, and all alone. That is one mistake I will never make again and I'm embarrassed that I had to learn the hard way.

I would not lump all car salesman into one category by saying they are all scum, but I will stand by my opinion of Mark Mitsubishi because I am the only one that knows how I was treated behind closed doors. Don't jump to their defense so quickly - it makes you look just as ruthless as them.

Scott, let me take a step back and explain that I am NOT here to bash anybody. You may not agree with what I have to say and I am fine with that. Not everybody will agree with what you are saying either.

The decision that I made to become an advocate for the Rip Off Report was a simple and easy one. My goal is to assist consumers who feel they have been ripped off or a victim of a fraudulent arrangement.

Scott, where did I say a consumer could manipulate their credit score? I am surprised that you state is it as simple as just paying your bills and your score will rise. It may not be rocket science, but there is much more to it than that.

You need to have a long chat with a local car dealer's F&I manager about the "PROFILE SUMMARY" of a credit report that consumers have a difficult time acquiring. You might learn something that you do NOT know about credit.

I have a few questions for you. Do you know what your Fair Isaac Score is? Do you know what your current percentage of "Total Revolving Available" is?

If you had a job for 1, 3, or 8 years will this affect your credit score? Do you think it will raise or lower your score?

If you have had a line of credit for 3, 5, or 10 years does this raise or lower your score? How many POINTS?

If you have lived at the same address for 4, 6, or 8 years does this raise or lower your credit score? How many POINTS?

If you spend less 15%, or greater 50% of your revolving available on your credit card will this raise or lower your credit score? HOW many POINTS?

My Fair Isaac Score, the last time I had it pulled, was 797. What is your FAIR ISAAC SCORE Scott?

If you have a checking account will this raise or lower your credit score? How about if you also have a savings account? How many POINTS?

Scott, please inform the readers where they can receive a credit report that contains the "Profile Summary" in their credit report.
I am not referring to the report that they receive from various credit sites for free or a nominal fee. It is my intention to reveal what the consumers are not being told about their credit.

Scott, why is it most car dealers, or other lenders, will NOT show consumers the type of credit report that they pull on the consumer. Why is it that a lender has access to this information, but a consumer does NOT?

You state that you are amazed at the way people will just swallow the vomit that I spew. Apparently I have angered you in some way. Scott, I am not here to make comrades of scrupulous business owners. I am here to inform consumers in the many ways that they are taken advantage of in business transactions on a daily basis.

These unfair business practices are not new in the business world; the Internet has provided an easier method of informing consumers more quickly and on a larger scale. Reports that have been filed on the Rip Off Report can not be removed or modified. I feel that this is a wonderful medium that millions of consumers are utilizing on a daily basis.

I applaud you, Scott. By mocking me, you are confirming what I have stated time and again; there are ruthless businesses taking advantage of consumers.

I enjoy debating issues with you Scott, but if I continue to spend my time defending myself to you then I am not doing what I truly enjoy and that is posting information that will assist the consumers. If there were no greedy businesses that were taking advantage of consumers, then there would be no reports filed at http://www.ripoffreport.com/.

Scott, I would enjoy meeting you on an open forum, but at this time, I prefer not to reveal my identity. I feel that I can accomplish much more if others do not know who I am.

Hi-h*o. Hi-h*o. Its off to work I go...keeping consumers informed.

Scott, let me take a step back and explain that I am NOT here to bash anybody. You may not agree with what I have to say and I am fine with that. Not everybody will agree with what you are saying either.

The decision that I made to become an advocate for the Rip Off Report was a simple and easy one. My goal is to assist consumers who feel they have been ripped off or a victim of a fraudulent arrangement.

Scott, where did I say a consumer could manipulate their credit score? I am surprised that you state is it as simple as just paying your bills and your score will rise. It may not be rocket science, but there is much more to it than that.

You need to have a long chat with a local car dealer's F&I manager about the "PROFILE SUMMARY" of a credit report that consumers have a difficult time acquiring. You might learn something that you do NOT know about credit.

I have a few questions for you. Do you know what your Fair Isaac Score is? Do you know what your current percentage of "Total Revolving Available" is?

If you had a job for 1, 3, or 8 years will this affect your credit score? Do you think it will raise or lower your score?

If you have had a line of credit for 3, 5, or 10 years does this raise or lower your score? How many POINTS?

If you have lived at the same address for 4, 6, or 8 years does this raise or lower your credit score? How many POINTS?

If you spend less 15%, or greater 50% of your revolving available on your credit card will this raise or lower your credit score? HOW many POINTS?

My Fair Isaac Score, the last time I had it pulled, was 797. What is your FAIR ISAAC SCORE Scott?

If you have a checking account will this raise or lower your credit score? How about if you also have a savings account? How many POINTS?

Scott, please inform the readers where they can receive a credit report that contains the "Profile Summary" in their credit report.
I am not referring to the report that they receive from various credit sites for free or a nominal fee. It is my intention to reveal what the consumers are not being told about their credit.

Scott, why is it most car dealers, or other lenders, will NOT show consumers the type of credit report that they pull on the consumer. Why is it that a lender has access to this information, but a consumer does NOT?

You state that you are amazed at the way people will just swallow the vomit that I spew. Apparently I have angered you in some way. Scott, I am not here to make comrades of scrupulous business owners. I am here to inform consumers in the many ways that they are taken advantage of in business transactions on a daily basis.

These unfair business practices are not new in the business world; the Internet has provided an easier method of informing consumers more quickly and on a larger scale. Reports that have been filed on the Rip Off Report can not be removed or modified. I feel that this is a wonderful medium that millions of consumers are utilizing on a daily basis.

I applaud you, Scott. By mocking me, you are confirming what I have stated time and again; there are ruthless businesses taking advantage of consumers.

I enjoy debating issues with you Scott, but if I continue to spend my time defending myself to you then I am not doing what I truly enjoy and that is posting information that will assist the consumers. If there were no greedy businesses that were taking advantage of consumers, then there would be no reports filed at http://www.ripoffreport.com/.

Scott, I would enjoy meeting you on an open forum, but at this time, I prefer not to reveal my identity. I feel that I can accomplish much more if others do not know who I am.

Hi-h*o. Hi-h*o. Its off to work I go...keeping consumers informed.

I found that consumers can obtain their personal credit profiles from any one of the credit reporting agencies. The personal credit profile is different from the credit report. The credit report only shows activity for the last seven years. The Personal credit profile gives different and public data information. You have to order that separately.

Another thing that I found out. There are comprehensive credit reports available where you can get your entire credit history even past the seven year mark. These are more expensive, but they can be had and they can be made available to the consumer himself and to certain agencies that meet the requirement.

For more information on the subjects of personal credit profile, do a search on Personal credit profile.

Comprehensive credit reports, skip tracing, skip and trace are also other topics you might research because these trackers also can obtain and get your information.

The(not so) Great Thorn is lying. He or she is absolutely wrong on every count that he or she posted. Every one! There was nothing he or she said was remotely correct. Nothing. He is ignorant on so many issues I cant possibly address them all. Which is what he wants. He wants the public to THINK he is an expert when in fact he is not. He does not want people to question him, and he will attack all who disagree with him...with hatred. I am so amazed at the way people will just swallow the vomit that he spews without question. All he wants to do is to fulfill some delusional, egotistical vision. Do not under any circumstance believe this cretin!

It is very easy to discredit this person because he does it so well by himself. I really dont need to do it. Anybody can do a minimal amount of investigation and in very short period of time discover that the (not so) Great Thorn is lying to make people think he is an expert, which he is not.

I am not a car salesman. Never have been. Never will be. I have never been a desk manager, GM, or owner of any car dealership in any way, shape, or form.

#1 thing the (not so) Great Thorn is wrong about.

Banks dont call every borrower because every borrower doesnt have bad credit. However, at times banks will call the customers to verify information. Most times it checks out. Other times the customers lies are discovered.

#2 thing the (not so) Great Thorn is wrong about.

There is no secret credit bureau that banks and dealers collude to force up the rates charged to customer. There is no such thing. It is illegal. The Federal government sees to it. Any credit bureau the bank and dealers obtain is the same credit bureau that customers can obtain for free in many cases. There is no secret society. There is nobody behind the curtain.

#3 thing the (not so) Great Thorn is wrong about.

The credit report is a federally controlled document that reflects how a person repays their debt. The Fair Isaac Score is a gauge that a bank can use to help determine risk. There is no way a customer can manipulate the bureau to improve or deteriorated the score. It reflects how a customer repays their debts. You dont repay your debts, you get a low score. You repay your debts, you get a high score. Very simple. Not rocket science.

#4 thing the (not so) Great Thorn is wrong about.

Every bank wants the customer to understand how the Fair Isaac Score works because they actually want to make loans to people. If a person exhibits a low Fair Isaac Score, the banks have a fiduciary responsibility to the investors and depositors of the bank to reject the loan. Banks make loans based on sound lending policies that have been in place for hundreds of years (believe it or not). They want to make loans that get repaid on time. Thats how they make money. A low Fair Isaac Score disqualifies a person from getting the loan because they generally do not repay the loan on time or at all. It makes no sense for the banks to keep customers in the dark about this because if they did, they wouldnt be able to grant loans without getting in trouble with the FDIC. The could loose their charter and that will drive up interest rates.

#5 thing the (not so) Great Thorn is wrong about.

The truth in lending law has NOTHING to do with rate spread. The truth in lending law does protect the customer in so many ways. It states that an interest rate, term, balance, monthly payment, total interest paid, and amount finance must be disclosed to the customer in writing at the 6th grade level (one grade above the last one completed by the not so Great Thorn). Money is bought and sold everyday of the week in all types of business. The banks buy money from the Fed at a discount. Does that mean the banks are crooked for not passing that on to the customer? Loaning money based on risk is how the banks make money. But heres a news flash! Banks dont loan money to customers who sign loans at the car dealerships! Ill say that again: Banks do not loan money to customers who sign for loans at car dealerships in the state of Arizona. Not under ANY circumstance. You see, the federal law prohibits this kind of transaction because the banks are not licensed to loan money at the dealers location. What happens is the dealer actually loans the money. Read the verbiage on the contract (oh thats right...customers dont read contracts...they just sign them). It states that the dealers is the lender and they make the decision to loan you the money. Not the bank. The contract is offered by the dealer to several institutions...banks, credit unions, captives, etc...and they make the decision on whether they want to buy the contract from the dealer or not. If they do, they are called the Holder of the contract (short for holder in due course). Until then, the dealer owns the contract. It is his asset (Contract in Transit) and is listed on the asset side of the balance sheet. Since it is his asset, he can sell it at what ever rate he wishes to whoever he wishes whenever he wishes.

#6 thing the (not so) Great Thorn is wrong about.

I do wish, however, more customers understood this. You see, if the dealer doesnt find a buyer for the contract, the state and federal laws require that the dealer carries the contract! I bet you didnt know that (not so) Great Thorn, did ya!? In other words, if a dealer informs the customer 3 or 4 weeks after the car purchase that the contract was not picked up by the bank, the dealer has to carry the contract! The customer can tell the dealer that they have a legal contract and that they will pay the dealer according to the terms of contract. The dealer doesnt want to do that because it takes thousands of dollars out of their cash flow. That is why they pressure the customers to bring the cars back or change vehicles or change the contract is some way. Why are car dealers so successful in getting their way? Because to my knowledge, no one has ever taken a dealer to court over this. I am not a lawyer, but I would bet that if customers did take it to court, they would win and force more dealers to carry the contracts.

I went to those web sites that the (not so) Great Thorn listed. They are nothing more than sales training in how to get the best price for you product. They are no different than the sales training an appliance or furniture salesman will receive.

The (not so) Great Thorn is a liar and cant be honest with...

Hold on for a second. These types of attacks gets us no where! Not every customer is a liar. Not every car dealer is a liar. It doesnt resolve any issues and doesnt do anyone any good. I wonder if the Great Thorn is really interested in a mature and intelligent discussion about the best way to purchase and finance cars, or is he or she just interested in throwing ad hominem attacks to gain political points. I am willing to have a CIVIC discussion with the Great Thorn at any time and any place. We may disagree but at least we can be civil.

But my guess is that he or she isnt interested.

Balls in your court, Great Thorn!

To all who read what I am about to say to Scott the car salesman.

Car dealers/sales people will try to discredit what I say when ever they can. They want you as consumers to think I am crazy. They will try to bash me and what I say because they do not want you the consumer to be informed before you get to their car lot.

Most car dealers don't care if you learn their deceptive ways after they get their financial gain. They only want you to see or feel PAIN after they get their GAIN.

Scott you need to go to the below Rip Off Report and read the whole thing again! Don't try to tell me that most auto lenders are on the up&up. I have copies of all 4 contracts this sucky car dealer had her and her husband sign. Do you want me to post pictures of them all?

Scott Don't try to tell me this lady was treated on a honest way.

http://www.ripoffreport.com/view.asp?id=52158

This car dealer NEVER told her that they kicked her trade-in out of the last contract they had her sign.

Nor did this car dealer ever tell her to come and get the car that she was lead to believe that she was trading in, that they had in their possession for 4 months.

Nor did this car dealer EVER call the bank and explain what they did to the car buyer. I am also sure that they never told the bank about all of the contracts that they had her sign.

I bet they never told the bank that they at that time had the Buyer's trade-in in their holding pen for 4 months even after she signed the last contract.

Are you going to tell me that banks contact all of the car buyers after the dealer sold a car buyer a car to make sure that the deal is truly on the up and up? I think NOT!

If you could read the credit app in the picture that I posted you would see all kinds of deception. You only see what you want to see because you my fellow American are a car salesman that is trying to defend the auto industry deception.

Don't tell me this lady was treated on a honest way.

I have a question for you Scott if you feel that banks that finance auto loans are on the up and up. If you or your "F&I CLOWN" get a car buyer to sign a contract that has an interest rate of say 15% and you get the car buyer bought or approved at say 12%. why is this spread not told to the car buyers?

Does all of your F&I CLOWNS tell all car buyers at your dealership about the "SPREAD" before or after they sign any contract? I BET NOT NO WAY.

Who do you think should tell the car buyer of this difference in interest rate that is hidden from the car buyer, you or the bank? Or maybe you think that this inside info should be NEVER TOLD to the car buyer.

So much for the "truth in lending act" Maybe the truth in lending act means hide what you can from the car buyer.

Note to all car buyers:
Don't think that what is printed on your car buying contract in the way of an interest rate is what the car dealer got you approved for. They get you to sign for a higher rate and then get you approved for a lower rate after you go home and they then scoop the difference, and you are never told anything.

Next I think that we, you and I. Scott need to ask why is it that all car dealers nationwide can pull up this "Special Credit Report" that the consumers can't get. You know the one that I am talking about.

It sure seems to me that there is a big scam that the credit industry, banks and car dealers are all working together to hide certain info from the public.

At this time I will go into some of this credit info that consumers CAN'T have.

The credit industry does not want you as a consumer/public to understand how the system works so businesses like car dealers and others can make money off of you.

Let me explain. Say you want to buy a new or used car. You go to your local "Shark Pond" known as a car dealer and fill out a credit application.

The car dealer's "Shark Trainer" better known as a desk manager will pull a very special type of credit report on you. This special credit report is one that consumers are not able to get their hands on. Why, you ask. They want you to be uninformed as to the true buying power that your credit has.

This so called special credit report reveals the following:

Your name and reported past few addresses
What is labeled "Profile Summary" It seems to me this section is "TOP SECRET" Because you as a consumer can't have a copy of what yours looks like or what yours would reveal.

In this "Profile Summary" it has the following.

Section A

Public Records,
Install Bal,
R Estate Bal,
REV BAL,

Section B

Past Due AMT,
Sch/est Pay,
R Estate Pay,
Rev Avail in a %,

Section C

Inquiries,
Inqs/6 MO,
Tradeline,
Paid Accot,

Section D

Status ACCTs
Now Del/DRG
Was Del/DRG
Old Trade

Understanding how your credit info is posted in YOUR "Profile Summary" is very important. If you understand how it works and how your info is posted in it you can see how to increase the value of your credit. In other words, what NOT TO DO.

Not knowing what not do can KILL the value of your credit in a fast way.

If you do not have a TRUE Credit card the credit industry cannot calculate what is called your "Total Revolving Available" in a percentage. Not having this can lower the buying power of your credit in a big way. Scott don't try to act stupid on me at this time, you know what I am saying is true.

Next we have what is called the "SCORE SUMMARY"
In this section you would have info that is very important for you to know. YOUR FAIR ISAAC SCORE!

The score that "THEY" do not want you to understand how it works, nor do they want you to have this type of credit report. Want Proof? Go try to buy a credit report like what I am talking about.

My "FAIR ISAAC SCORE" was 3 points from being 800 the last time I had it pulled because I know how it all works.

BUT NO! you can't have this type of info. They want you to be a dumb a*s so car dealers, Banks and mortgage brokers can bend you over and shove a higher interest rate where the SUN DOES NOT SHINE! Yes, I must say your PAIN, is Their GAIN!

Next we need to see the section that they call the "TRADES" section. This section is where your good and bad credit history is recorded.

The "Lot Sharks" and the car dealer's "F&I Clowns" Love to read this section about your credit history.

They use this info to determine what interest rate they have plans to "WHACK" you with. This is where they build their "Backend profit" Nod your head yes Scott that I am right!

If you have never been told as to how this secret credit report works, you are TOAST or SCREWED, you pick!

They, the industry insiders DO NOT want you to get a copy, Read it or see it. You might say this is their secret pathway to a bigger profit on you.

SOON, I have plans to help you all understand much more about your credit report.

I get this "special type" of credit report on myself because I have some close friends here in Bayville that like what I am doing here @ www.ripoffreport.com They want me to help you get this so called secret credit report.

Some businesses want you to have a better credit rating so they can do business with you in a positive way that will help, not hurt you like car dealers and others.

It just burns my A Hole that you can't get this special type of credit report. We all know that most car dealers never play in a truthful way when it comes to selling you a car, or obtaining financing for you.

So if they can get a copy and use it when setting up your car loan, WHY CAN'T YOU GET ONE? If you want, ask any car salesman "Lot Shark" How you can get this type of credit report. I bet they will have some lame excuse as to why you can't get one.

Well, I have a way for you to ask that VERY QUESTION to the right people that could see to it that you get one if they really wanted to help you. If I were you reading this, I would email the following people @ Fair Isaac and ask them why is it that "SLIME BALLS" can get this type of report on the car buyer but the consumer CAN'T?

If you would like to know more about your credit report before you go to any car dealer contact the people listed below and ask why you as a consumer can't get this special credit report.

Tell them that you are willing to pay for this type of credit report and see what they say to you. Here is the email list I had sent to me. Fire AWAY MY Fellow Americans!

Brian Kane, Public relations Director
BrianKane@fairisaac.com
901 Marquette Ave
Minneapolis, MN 55402 USA
His phone 1-651-766-2905
His Fax is 1-651-765-9831

Angela Carlson, Public relations Consultant
Her Email is ACarlson@fairisaac.com
Her Phone is 1-415-492-5373
her Fax is 1-415-492-5691

Next we have
General Consumer Press Department.
Craig Watts, Consumer Affairs Manager
His Email is Craigwatts@fairisaac.com
Fax is 1-415-444-5029

Heidi Flannery
Her Email is investor@fairisaac.com
Her fax is 1-858-452-3220.

What I am trying to say, is that you should have access to the same kind of credit report that car dealers, banks and mortgage brokers have access to. I say it is only FAIR!

You have no idea who looks at your credit info once you start sending it back and forth on the net. I say not a good idea.

Mr. Scott the car dealer employee. I at this time would like you to tell the readers of this web site what product or service do the following web sites sell to car dealers. Tell us the truth!

Don't get me wrong Scott, I am not bashing any of these web sites. I just would like the readers to read what you say they all do for car dealers.

Here is a small list, I have many more!

www.biggross.com
www.davidlewis.com
www.dealerdoctor.com
www.carsalestraining.net
www.appliedconcepts.net
www.autosalestraining.com
www.jobtraining4money.com
www.americanautoseminars.com
www.fandiprofit.com/increasedprofits.html

Hey Scott want me to post more of them so you can tell all of us what product or service they sell to car dealers? Scott you can bash me if you must.

I know that you do not like what is posted on this web site about the auto industry. The cool thing is that all of the search engines one day will find it all for the car buying public, COOL you think? :)

If you are a consumer think about what I am telling you. try to call some of the listed people above and ask them about what I am saying to you. Call me a consumer that likes to get the inside scoop!

The issue here is Vanessa was defrauded by this dealership. The reason this economy is tanking and there is high unemployment is dishonest businesses like car dealers and Enron are willing to use unfair tactics and fraud to make a unfair profit. It is next to impossible to lie to car dealers and get away with it because they are PROFESSIONAL liars and require W-2, proof of employment, SSN#, DL#. I find it hard to believe that car salemen only make $100 considering they usually wear expensive jewelery and clothes. Also usually own a home and very seldom rent apartments. If car salesmen cannot afford on what they make then maybe they need a second job or cut their living expenses and get a smaller home. As for banks that deal with car dealerships they are the same kind of scam artists found on the dealership. I wrote about my experience about City Mitsubishi on this site. I was completely honest about my finances with them. It did not stop them from detaining me in their F&I office for 5 hours with no means of escape. The only way I would have made it out without being defrauded would have been to get into a fistfight F&I manager that is about 6 ft tall at 300 lbs and three of henchmen blocking the exit. I imagine if a consumer cut a salesman's throat and wrote the word NO in blood they might get the message I did not want to buy a car that day. Car dealers are like drug dealers, they always blame their victims for the crime. It is interesting that there is nothing about unfair tactics of car dealers on tv or newspapers. Maybe it is because they are bribed by car dealers. Most car dealerships are criminals and terrorists. I dare a dealership to try to detain me again, I will have the means to defend myself against terrorist F&I, GM managers, and their lot sharks. Consumers need to realize when they step onto a dealership they are not in an honest business, they are dealing with criminal minded individuals who have no qualms about what tactics they use on their victims.

Once again the (not so) Great Thorn is misleading people and is just wrong! I can only surmise that he or she is doing it on purpose!Banks on a regular basis do in fact call customers regarding issues they see on the credit applications. I know because I have done it several times and so has the many fine people I work with. The majority of the time the information checks out and there is no problem. A person who needs a loan gets one.

But do you know what we find more often? A customer will verify over the phone that their monthly income matches what THEY put on the credit application... you know, the one supplied by the cheating, crooked, scumball, lot shark car dealer...and guess what happens when we get a copy of the last paycheck? It is usually short by $500 or more! Thats $500 less a month they make, which results in repossessions and higher cost to everybody!

This raises 2 very important questions that the (not so) Great Thorn will not ask because he or she would rather lie than tell the truth. Those questions are: Did the customer lie to the dealer, or did the dealer put them up to it. If the dealer put the up to it and the customer got burned then the customer deserves everything they get! But what if they lied to everybody including the (not so) Great Thorn? Then they are scum and are lower than the slime we find in the gutter!

So, there!

And don't get me started on reading the contract. I am willing to bet that the customer knew exactly what they were doing when they signed a contract for 54 monhts. Now that they can't get out of it, they want to blame someone else. Do you know why I believe that? Because the term is in bold print on the front of the contract.

Hey (not so) Great Thorn! Whats good for the goose is good for the gander. The CUSTOMERS are lying, cheating, stealing, deceitful rip-off people who are just as guilty of stealing from a bank as those who walk in with a gun. In fact, banks loose far more money to the lying, cheating customers that they do from armed robberies!

And one last thing (not so) Great Thorn...you are just as guilty and corrupt as those lying, cheating, customers!

Vanessa Car dealers will do anything they can to make money off of you. Most car dealers are very deceptive.

You as a consumer have never been told as to how dirty they can be because of the media. They like to act like there is no deception in the auto industry.

I think that it would be very wise if you were to contact your bank and ask them to send you a copy of the credit app you filled out when you bought your car.

You might find that your dealer did not tell your bank the truth as to your income and personal info.

Please go to this below URL and you will read a Rip Off Report as to what can happen to these car buyers after they signed all of the documents that their dealer will wanted them to fill out.

http://www.ripoffreport.com/view.asp?id=52158

What happened to this nice couple could have happened to you. Banks are not willing to call the car buyers and verify all of the car Buyer's info before they approve a car loan or a car lease.

No bank has any right to cry about a bad car deal that they have approved if they did NOT contact the car buyer FIRST before approving a deal.

If a bank is not willing to call the car buyer at their home and ask a few questions about all of the info that is on the Buyer's credit app before approving the car loan, they just might be in bed with the dirty car dealer.

Banks know that car dealers and their employee's are willing to bend the truth to get a car loan approved.