Toyota Of Bedford Shady Contract Trick, Lies And Cheats Shady contract trick, lies, changed contract terms, contract swap, hustle, trick, contract trick Bedford Ohio

2 years ago I received a promotional mailer from Toyota of Bedford. I went into the dealership and informed them of my interest and stated: "I am returning to school to pursue a Baschelors degree and need reliable tansportation, based on my income the EXACT amount I can afford for a car payment is 350.00 or LESS per month, do you have anything reliable for this payment?" The salesman stated yes, but it would require a credit check. We then looked at several cars, I decided I was interested in a hybrid and was then sent to the Finance office to speak with a man named 'Xavier'. He ran my credit check and stated that my payments would be 277.00 per month. This was acceptable. They then informed me after a 20 min wait that they had no models of that car in stock, but would have one in 2 months. They then stated they could put me in a Buick for that 2 month period and then transfer the terms. It was clearly stated after I carefully reviewed the contract that the total selling price would increase, but my payment amount would be the same. So I signed and agreed. 2 MONTHS LATER: when the car arrived I returned from the dealership. 'Xavier' met me at the front door and shook my hand, he then stated he was please to tell me the new car was in and he simply needed to run my credit check again... I said OK. He returned and had a contract and stated 'good news' your APR went down almost a full point so I saved you some cash, just sign the bottom here. He then set the contract, with the top half set down to the signature line and the keys on the slim counter and handed me the pen. I asked: "everything is the same? payments, extra options, as the buick?" He said yes, the only change is the final payment amount as we discussed and of course the name of the car model! So I signed and left. 1 month later I got my first bill, it was not 277 as AGREED TO, it was 650! I drove straight to the managers office and confronted them in person, to my horror they had tricked me into signing a contract which had 650 per MONTH payments! I stated this must be a typographical error, please let me speak to 'Xavier', he will clear this up. The manager stated he no longer worked there and the signature was valid. He offered to re-posses the vehicle and auction it where I would be responsible for the excess payment and then if I pass a credit check put me in another car. For the next 2 years I tried to re-negotiate based on the ORIGINAL contract I signed but toyota financial and toyota of bedford REFUSE to help. I can not even get a bank to re-finance me because they state " As a financial institution we can not approve a re-finance for this car because it exceeds your debt to income ratio, we dont even know how you could get approved for this with a 650$ payment!?! sorry" Same story with Chase, National City, PNC, and even the local banks... I can not afford to allow a 'repo', no bank will re-finance me, I have been financially damaged GREATLY by being forced to pay 650 rather than 277 per month, and Toyota will not look at the original contract or allow me to re-finance.

Czagarskas
Euclid, Ohio
U.S.A.