John Chezik Honda, Don Farrell is a fast talking rip off jerk Kansas City Missouri

Tony,
If, as you say, the father was the primary "buyer" then why did Sundai get a '99 Escort based on (in your words) "soley her credit rating"?

All of you discussing "rebuilding credit" are playing with a false premise.
If you live like your grand parents and pay cash for EVERYTHING, your credit rating is irrelevent isn't it? Why do you want a good credit rating, to go further in debt? This sure isn't a way to increase wealth.
Pay cash. If you can't afford it, save cash money until you can.
Am I one of those rich folks preaching from the mountain top? Nope, just a hard working middle class guy not buying anything I can't afford with cash money.
The only thing I'm financing is my house and that's on a 15 year term.
Listen to Dave Ramsey, he will change your perspective about money. He did mine.
Think about it!

All of you discussing "rebuilding credit" are playing with a false premise.
If you live like your grand parents and pay cash for EVERYTHING, your credit rating is irrelevent isn't it? Why do you want a good credit rating, to go further in debt? This sure isn't a way to increase wealth.
Pay cash. If you can't afford it, save cash money until you can.
Am I one of those rich folks preaching from the mountain top? Nope, just a hard working middle class guy not buying anything I can't afford with cash money.
The only thing I'm financing is my house and that's on a 15 year term.
Listen to Dave Ramsey, he will change your perspective about money. He did mine.
Think about it!

All of you discussing "rebuilding credit" are playing with a false premise.
If you live like your grand parents and pay cash for EVERYTHING, your credit rating is irrelevent isn't it? Why do you want a good credit rating, to go further in debt? This sure isn't a way to increase wealth.
Pay cash. If you can't afford it, save cash money until you can.
Am I one of those rich folks preaching from the mountain top? Nope, just a hard working middle class guy not buying anything I can't afford with cash money.
The only thing I'm financing is my house and that's on a 15 year term.
Listen to Dave Ramsey, he will change your perspective about money. He did mine.
Think about it!

All of you discussing "rebuilding credit" are playing with a false premise.
If you live like your grand parents and pay cash for EVERYTHING, your credit rating is irrelevent isn't it? Why do you want a good credit rating, to go further in debt? This sure isn't a way to increase wealth.
Pay cash. If you can't afford it, save cash money until you can.
Am I one of those rich folks preaching from the mountain top? Nope, just a hard working middle class guy not buying anything I can't afford with cash money.
The only thing I'm financing is my house and that's on a 15 year term.
Listen to Dave Ramsey, he will change your perspective about money. He did mine.
Think about it!

Tony, for you to claim that buying a car is the best way to repair credit is a lie. It may be A way, but not the BEST way. A better way is to pay off small balances and ask those creditors to report the payoffs.

I recently filed for bankruptcy, and receive no less than 3 pieces of JUNK MAIL from auto dealers every single day. They make the same claim you make, that car loans are the best way. You people in the car dealerships need to get over yourselves!

My financial advisor gave me the truth, BEFORE I filed bk. I paid off the smallest balance in order to keep that card. I put everything else into bk. He told me the best way to repair my credit is to:
FIRST: Use the one open card as a debit card, make a purchase and pay it off before the statement's closing period. This way I will always have a ZERO balance on an ACTIVE card.
SECOND: Buy a home, even if is a small little tiny fixer-upper, just keep current (or ahead) on those mortgage payments.
THIRD: Make sure the car loan you already have is current at your filing date, your hearing date, and always current until it is paid off.

Tony, you'll notice that the car loan is listed THIRD. So, to you and all the other egocentristic jerks in the auto loan industry, GET OVER YOURSELVES!!

Then know this: the best way to make your business grow is to be fully honest. Happy customers will refer you to at least 3 friends. Pissed-off customers will complain about you to 3 sources a day for the first 3 weeks, then 3 sources a week for at least the next 3 months. AVON refers to this as The Power of Three. You choose which way you want your business to go!

Tony, Do you want to make your first happy customer? Call Sundai back and offer a set of 4 tires, not just the original 2, make sure they are name brand. ALSO offer a $50 gas card, not just one full tank. ALSO offer a complete wash-wax-shampoo detail service. Then ALSO fix the financing mess and refund the difference caused by tampering with her credit app.

BELIEVE IN THE POWER OF THREE!

Firstly : To The Great Thorn.

The dealership in no way lead Sundai to believe that she was the primary on the note. Her father was listed first on both credit application and loan documentation.

As far as I AM AWARE, both Sundai AND her father are listed on the title.

I never told Sundai that the ONLY was to rebuild her credit was to buy a car, however I did tell her that it was a stonger way to rebuild her credit that having one or two credit cards with small limits. Good installment credit is a far stronger signal to potential lenders that you have your stuff together than revolving credit such as credit cards.

As far as your assumption that I had an F&I clown fudge the interest rate and hold points to retain backend gross. BS.

Every lender out there, as far as the legalities in state of Missouri goes, and to the best of my knowledge, limits dealers as to the points they can add to a buy rate. This prevents gouging.

We could not possibly obtain a 10% rate from one lender, and sign the client with a different lender, let alone at a 12 point profit. Doesn't happen, didn't happen in this case.

Let's for arguments sake say we had an 19% buy rate, which is not uncommon with clients with very poor credit history, and charged the client 22%. Well big deal. When was the last time you purchased a Big Mac or a pair of shoes made in Pakistan and complained about the profit margin that the retailer was making? Never. Nod your head Thorn boy.

People are in business to make money, just as you and I, and I am assuming you actually have a job, go to work to make money to get ahead in life, not stagnate at a permanent level, neither getting ahead or slipping back.

What my F&I manager sent to the lender is between him and the lender, and has nothing at all to do with me.

As I stated, I take the credit information supplied to me by the customer to the F&I manager, her or she gets the loan approved, or declined as happened with more than one of our lenders before gaining an approval.

The customer selects a car based upon the amount of money the LENDER is willing to loan the customer. I do some paperwork, vehicle history, repairs or additions to the vehicle to be carried out etc, my F&I manager signs up the loan documentation together with interest rate information etc, and the customer signs, or doesnt as is their right, and then leaves the dealership with or without their car.

Once they enter the finance managers office, I am out of the deal until the customer sits in their vehicle and I explain some of it's features and operation to them.

You say that car buyers are sick and tired of car dealers deceptions.

Well I say this. Dealers are tired of car buyers deceptions. False income declarations, false employer and landlord declarations, bad checks for down payments etc etc.

I have no interest in visiting any of the web sites you have listed, and the answer to your question is NO, I have never purchased anything from ANY of those organizations.

Good luck in your quest to be an advocate, the world needs more advocates, but preferably ones that actually have the time to obtain an objective rather than subjective view of life.

Oh, and at least stand up and be counted, put your name on your posts, or can I smell chicken?

Moving on..................

My man Mike from Radford Virginia. Congrats on putting your name to your post. Appreciate it.

Same thing regarding your interest rate comment applies as it did to Brian, err David, err, Thomas, err. Lamont, err, oh thats right, THE ADVOCATER!!!

BS

And even if it were legally possible, which it isn't, then I as a salesman never got to see any of that money applied towards my commission, which by the way was $100 less tax.

Maybe I need the help of THE ADVOCATER!!!

With regards to your "dont trust any dealer to do it after the sale" comment.

THE CUSTOMER HAD A SIGNED NOTICE THAT THE DEALER IN FACT DID HAVE TO CARRY OUT THE ITEMS PROMISED TO HER. SIGNED BY BOTH CUSTOMER AND DEALER.

As I stated in my original post, the dealership DID carry out all of the promised items.

Also, I resent your implication that I told my customer that this was a deal of a lifetime to try and get more money out of her.

She was purchasing a 99 Escort, she knew it wasn't the deal of a lifetime, but BASED SOLEY UPON HER CREDIT HISTORY, this was the ONLY vehicle I had to offer her. She could do one of two things. a)NOT buy the vehicle and continue to shop for another six months for dealers and finance companies that would finance her as she had done for the previous six months with more than ten lenders turning her down for a loan or b) Buy the vehicle from a dealer that actually fought for her to get a loan on her behalf so she could travel to and from her job, family etc. Oh, that would be us actually, we did fight for her and got the loan so she could go to and from her non-existant job.

The thing both you and advocate boy both missed in your one sided analysis of the deal was that the client LIED FROM START TO FINNISH about her job, or total 100% lack of one, her income, as well as her time at residence.

It works both ways guys and girls.

No car dealer is perfect, just as no customer is perfect.

No one car tar either side of the fence with the same brush, there are always those that do as they say they will. Clients AND dealers.

I am proud to say that I do as I say, and thankfully based upon the trust I build with the majority of my clients over time, so do they for me in return.

Best Regards

If her father (presumably he is "well qualified" for credit) is listed on the title and first on the note, the finance companies dont care a rat's a*s how good the other "buyer's" credit is. He's the one who actually bought the car and is responsible for paying for it. The dealer probably sold this loan as if it were a well-qualified single buyer (which it is) for way under 10% interest, and pocketed the difference.

If you're looking at a car that needs some work, don't trust any dealer to do it after the sale. Either negotiate a lower price based on the cost of having the work done yourself, or don't pay or sign anything and offer to have them call you back to buy the car after they have it done. Don't let a salesman convince you than any car deal is some kind of once in a lifetime opportunity, they only say that so they can get more money from you.

Sundai I am going to get a few things straight RIGHT NOW.

First, Sundai I must say that I am truly sorry as to how this slime ball dealer has treated you. Leading you to believe that your dad was going to be the cosigner.

If they had your dad sign the contract first on top of your signature, this tells me they had you sign as the cosigner.

They did this because your dad more then likely has credit that might be a bit stronger then yours. Car dealers do this crap all the time. Leading you to believe that you are the buyer, but the truth is you ARE the COSIGNER!

Now get your contract out and look where you both signed and read what it says.

I get car buyers contracts sent to me all of the time. People from across the country send me the papers their dealer had them sign. You want to know what I see in most of the documents I get in the mail? DECEPTION all over them.

Sundai ask your dad to show you the registration you will see that the car is titled in your dads name.

May I ask did you have any trouble getting car insurance in your name, or did your dad have to get insurance in his name?

Just think all of the payments YOU make will be good marks on your dad's credit report. That's another thing that makes me sick. Car dealers telling consumers that the only good way to rebuilt your credit is to buy a car.

How can a person rebuild their credit if the sucky car dealer's F&I clown puts the car in the cosigner's name?

Tony let's you and me get the truth out on the interest rate, OK? You and your F&I clown get the buyer to sign a contract with the highest rate you can get them to agree to.

Then your F&I clown fires a "Shot Gun" to the cosigner and the Buyer's credit report trying to find a bank that will give the LOWEST rate.

Then the trained F&I CLOWN and the "Lot Shark" leader will SCOOP the difference. You people call the difference "BACKEND GROSS" Right? nod your head yes, OK!

By the way Tony I hope Sundai and her dad call up the lender and ask for a copy of what your F&I Clown sent to the lender.

Maybe they will find that someone at the dealer added some INCORRECT info on their credit apps after they both went home.

I know for a fact that car dealers bend the truth about car Buyer's incomes, their rent, How long the buyer has been on their job.

Car dealers bend the truth about car buyers info on the credit app long after the buyer has gone home. They do this "Bending of the truth" just before they send the paper to the banks.

If a car dealer's "LOT SHARK" asks a buyer to leave some areas on the credit app blank, the buyer needs to pay close attention to all of what the car dealer is doing.

If a car dealer's Lot Shark ever asks a car buyer to leave some areas blank, the buyer should always call up the lender after they get their first payment and ask the lender to send them copies of ALL documentation that the dealer sent to the lender, they might get a fat surprise.

Car dealers will do anything to make all documentation look real pretty for the bank. They want all paper to hang. Tony you know this is true, Again Tiny Nod your head YES, OK!

I soon will be posting a picture of one of Bill Heard Chevrolet's car Buyer's credit app that the dealership bent the truth on. One of my fellow advocate's here at Rip Off Report has sent me a picture of a victims credit app that the dealer has played with before the dealer sent it to the bank.

Auto lenders that do not want their company name run through the mud on the net need to start giving the buyers a call to verify all info on the Buyer's credit app before sending a FAT funding check to the slime ball car dealers.

Doing this would kill some of the deception in the auto industry. Banks that are not willing to verify info just might be sleeping on the same dirty mattress that the car dealers sleep on.

Car buyers are sick and tired of car dealer deception.

By the way Tony have you ever bought any product or services from any of the following web sites?

Here is the list, Go to them ALL, OK?

www.probac.com
www.nationalautotraining.com
www.appliedconcepts.net
www.grantcardone.com
www.davidlewis.com
www.jeffsacksandassociates.com
www.stukertraining.com
www.paulcummings.com
www.tewart.com
www.joeverde.com

www.biggross.com

www.nationalautotraining.com
www.fandiprofit.com
www.carsalestraining.co.uk/preview.html
www.autoscreeningtraining.com
www.autosalestraining.com
www.wwcsonline.com

My goal is to become the most wooden irritator of car dealer scum worldwide.

No, I am not a car salesman that could not make it selling cars. I am a person that wants to be an ADVOCATE. The rewards are bigger!

Good day Mate!

I actually sold this car to the complainant and as with everything, she has only one side of the story.

She states that she was charged 22% interest and told it was "a good deal".

Bototm line, the dealership does not control interest rates, your credit, good or bad, does.

The items she states that were promised to her were in fact promised, IF the vehicle failed the vehicle inspection, which it actually passed.

Everything she was promised was in fact carried out. She took delivery of the vehicle just before close of business and said she would return in 'a few days' to have us take care of the outstanding items prmoised her. New wiper blades, tyres, gas, carpeted floor mats, approximately ONE MONTH after taking delivery of the vehicle

As she states, the dealership did not have time to fully detail her vehicle after the tyres etc were taken care of as she was over four hours late bringing the vehicle to the dealership to get the items mentioned above addressed. As a result the vehicle, minus the full detail wsa picked up by her AFTER the dealership and therefore our clean up shop was closed.

In addition, the car was a complete mess inside and out, soda spilled on the carpet, cigarette ash throughout the vehicle and in addition, traces of vomit on the rear seat of the vehicle.

After our clean up shop has closed, I personally would have cleaned her car for her, but with the state of the vehicle, I was not about to do so.

As regards her first payment. Yes, her father did indeed cosign the loan for her and was the primary on the note, as a result the statement would indeed have been sent to her fathers address FROM THE FINANCE COMPANY, not John Chezik Honda, and therefore John Chezik Honda cannot be held responsible for an allegedley late statement.

The title issue also falls under the same category. If her father is the primary on the note, then yes, he would have recieved notification of title, not her, which I explained to both her and her father.

With regards to the sales tax issue, I am not able to comment. My role is to find a vehicle, liase between customer and finance management to establish interest rate and payment based upon the vehicle selected. Sales tax and contracting are between my finance manager and the client.

With regards to refusing to supply a second set of keys and remote keyless entry, every customer that purchases a vehicle from John Chezik Honda signs a We Owe. This is a form designed to note anything promised to the customer in addition to the vehicle, such as tyres etc.

She signed the we owe, and in no instance was a spare key and keyless remote specified.

Finally, with all due respect to the customer, the finance company took on this contract in good faith, accepting that the client had completely and truthfully disclosed correct information with regards to employment history and income, as per the clients signature on the credit application.

Perhaps the finance company would be interested to know that her declared employer had never heard of her and therefore her declared occupation and by extension income were falsely declared both to the dealership and financial institution.

Perhaps Sundai should also A)Avoid actions that jeopardize her credit rating and therefore run the risk of attracting a 'high' interest rate, B)Stand up and admit responsibilty for her own actions with regards to unreasonable and belated access to her vehicle that affect the dealerships ability to carry out its promises to her with regards to the We Owe items.

There are always two sides Sundai.