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Report: #180877

Complaint Review: Hustedt Hyundai - Centereach New York

  • Submitted:
  • Updated:
  • Reported By: Holbrook New York
  • Hustedt Hyundai 1752 Middle Country Rd. Centereach, New York U.S.A.

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In February 2005 I purchased a Hyundai Sonata from Hustedt Hyundai. The price I was quoted and agreed on (with all the options chosen + taxes) was $19,595. The Truth In Lending Disclosure shows the vehicle price as $24,945.00. When questioned the financial representative told me that the amount included the finance charges I would have paid over the life of the loan. He insisted that it is how New York State Law required the paperwork to be written up now (with the finance charges over the life of the loan to be added to the purchase price). He also said that should I repay the loan in full earlier the amount would be considerably less. This I later found to be false.

The General Terms at the back of the form states that the Sale Price is the price of the vehicle plus any services purchased over time. The only service I purchased is the 10year/100,000 miles service plan, which I was told cost $650.00 and a copy of which I will receive in the mail. I did not want nor agree to purchase anything else nor was I informed that I have purchased anything else.

It has been a year since I've been trying to get an explanation for $5,350 added to the purchase price of the car I purchased from Hustedt Hyundai Inc. and for a copy of the extended service plan I purchased with the vehicle for $650.00. I've written to them several times requesting a detailed written account of items/services purchased apart from the vehicle and extended service plan. I have still not received a response.

I am a single parent who works extremely hard. $5,350 - to which was added taxes and on which finance charges is added on a daily basis is a lot of money to be ripped off on. This is my fifth Hyundai car purchase and I have never had this problem with any other dealership.
I AM STILL TRYING TO GET A RESPONSE FROM HUSTEDT HYUNDAI! And a copy of the service contract I purchased!!

Vidya
Holbrook, New York
U.S.A.

This report was posted on Ripoff Report on 03/13/2006 11:26 AM and is a permanent record located here: https://www.ripoffreport.com/reports/hustedt-hyundai/centereach-new-york-11720/hustedt-hyundai-ripoff-dishonest-fraudulent-charges-added-to-financing-centereach-new-180877. 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:
0Author
5Consumer
0Employee/Owner

#5 Author of original report

Answer to Rebuttal by Mr. Derek - Winona, Minnesota

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

POSTED: Thursday, March 16, 2006
The price of the car I was quoted and agreed on was $19,595.00. The 24,945 I was actually charged did not include anything other than the price of the car.
These are the additional figures:
Taxes: $1742.48, Service Contract $650.00, Filing Fees: $30.00, Documentation Fee: $45.00, Waste Tire Mgmt Fee: $12.50, Other charges and fees: $87.50. By my calculation that's a total of $22,162.48 and with a downpayment and rebates totalling $7520.00 that should leave me with a balance of $14,642.48 to be financed. Instead I ended up with a financed amount of $20402.06 - and this does not include the additional dollar amount of $6811.06 as "finance charge" bringing the grand total I would pay for the car to $34733.12 instead of closer to $27,000 as I expected and as it should be.
Respond to this report!

#4 Consumer Suggestion

Vidya He should care

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

POSTED: Tuesday, March 14, 2006
Hi there.
I did financing at a dealership for 8 years and it doesn't sound like you are getting ripped off. It's now been some time since I have looked at a contract, so I don't remember the Truth in Lending boxes real well but the figures you give seem ok.
I remember one of the boxes being the sum of the car+tax+any rebate that may have been offered+any cash discount (or something to this nature)...could this be your confusion?
In Minnesota, if you made higher payments that what was called for, you will NOT have to pay ALL of the interest as he told you you wouldn't have to do.
The amount in question might also be the sum of all your payments...$19595 + $650 (warranty) X 60mo @ 8.5% (I'm guessing) = $413.45 X 60 = $24807------------72 months goes over $25,000.00. Plus, there was some sort of what's called a DOC fee added in there...That can be up to a few hundred extra dollars, depending on state...
These are all rough estimates with the numbers, and I really couldn't explain it to you much better without the contract in front of me but I wanted to reply to this to try to make you feel a little better...It really sounds legit to me. Try to rest easier, I doubt you are being ripped off, ok. If you wish to reply with more information for me I can try to give it another shot at telling you what's going on.
Oh, and if you're finance guy isn't helping you, go right on in there and see the general manager...He should care.
Respond to this report!

#3 Consumer Suggestion

Vidya He should care

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

POSTED: Tuesday, March 14, 2006
Hi there.
I did financing at a dealership for 8 years and it doesn't sound like you are getting ripped off. It's now been some time since I have looked at a contract, so I don't remember the Truth in Lending boxes real well but the figures you give seem ok.
I remember one of the boxes being the sum of the car+tax+any rebate that may have been offered+any cash discount (or something to this nature)...could this be your confusion?
In Minnesota, if you made higher payments that what was called for, you will NOT have to pay ALL of the interest as he told you you wouldn't have to do.
The amount in question might also be the sum of all your payments...$19595 + $650 (warranty) X 60mo @ 8.5% (I'm guessing) = $413.45 X 60 = $24807------------72 months goes over $25,000.00. Plus, there was some sort of what's called a DOC fee added in there...That can be up to a few hundred extra dollars, depending on state...
These are all rough estimates with the numbers, and I really couldn't explain it to you much better without the contract in front of me but I wanted to reply to this to try to make you feel a little better...It really sounds legit to me. Try to rest easier, I doubt you are being ripped off, ok. If you wish to reply with more information for me I can try to give it another shot at telling you what's going on.
Oh, and if you're finance guy isn't helping you, go right on in there and see the general manager...He should care.
Respond to this report!

#2 Consumer Suggestion

Vidya He should care

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

POSTED: Tuesday, March 14, 2006
Hi there.
I did financing at a dealership for 8 years and it doesn't sound like you are getting ripped off. It's now been some time since I have looked at a contract, so I don't remember the Truth in Lending boxes real well but the figures you give seem ok.
I remember one of the boxes being the sum of the car+tax+any rebate that may have been offered+any cash discount (or something to this nature)...could this be your confusion?
In Minnesota, if you made higher payments that what was called for, you will NOT have to pay ALL of the interest as he told you you wouldn't have to do.
The amount in question might also be the sum of all your payments...$19595 + $650 (warranty) X 60mo @ 8.5% (I'm guessing) = $413.45 X 60 = $24807------------72 months goes over $25,000.00. Plus, there was some sort of what's called a DOC fee added in there...That can be up to a few hundred extra dollars, depending on state...
These are all rough estimates with the numbers, and I really couldn't explain it to you much better without the contract in front of me but I wanted to reply to this to try to make you feel a little better...It really sounds legit to me. Try to rest easier, I doubt you are being ripped off, ok. If you wish to reply with more information for me I can try to give it another shot at telling you what's going on.
Oh, and if you're finance guy isn't helping you, go right on in there and see the general manager...He should care.
Respond to this report!

#1 Consumer Suggestion

Vidya He should care

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

POSTED: Tuesday, March 14, 2006
Hi there.
I did financing at a dealership for 8 years and it doesn't sound like you are getting ripped off. It's now been some time since I have looked at a contract, so I don't remember the Truth in Lending boxes real well but the figures you give seem ok.
I remember one of the boxes being the sum of the car+tax+any rebate that may have been offered+any cash discount (or something to this nature)...could this be your confusion?
In Minnesota, if you made higher payments that what was called for, you will NOT have to pay ALL of the interest as he told you you wouldn't have to do.
The amount in question might also be the sum of all your payments...$19595 + $650 (warranty) X 60mo @ 8.5% (I'm guessing) = $413.45 X 60 = $24807------------72 months goes over $25,000.00. Plus, there was some sort of what's called a DOC fee added in there...That can be up to a few hundred extra dollars, depending on state...
These are all rough estimates with the numbers, and I really couldn't explain it to you much better without the contract in front of me but I wanted to reply to this to try to make you feel a little better...It really sounds legit to me. Try to rest easier, I doubt you are being ripped off, ok. If you wish to reply with more information for me I can try to give it another shot at telling you what's going on.
Oh, and if you're finance guy isn't helping you, go right on in there and see the general manager...He should care.
Respond to this report!