Max Madsen Mitsubishi In Aurora Illinois Unfair Credit Evalulations for Minor Women Applying for Vehicles at Aurora Location Aurora Illinois

Mr. Marc in finance approval dept at Max Madsen Mitsubishi, please note I was in your Max Madsen Mitsubishi location in Aurora, Illinois on Saturday 11-29-08, and assigned to a "Black Salesman" who spent time running back and forth receiving instructions from the management staff at this Aurora, Illinois location. The three hours spent at this car dealership was to receive approved credit to purchase a vehicle and trade in my current vehicle. My application was denied because I would not contribute $1300 for a down payment. I owed around $4700 for my current vehicle, which would have created a up-side-down car loan. Your website said that you assist consumers that currently have a bankrupty, but that statement is not true.

Not once did anyone from your finance organization come to me and say let's talk about your current financial status. You had a salesperson that had been on the job for (3) days, who did not quite understand how to use your computer system to insert my information and print the information.

Instead of having a co-work come and sit the new salesman and assist your "Black" employee you allowed him to run back and forth asking questions concerning my application process.

I came to your dealership back in 2006 and received the same negative salesman assistance, where after I could not come up with $500 down payment, your salesman continued to run my credit history to various bank vendors as if I was coming weekly looking to have a car financed for me by Max Madsen Mitsubishi. This information can be proved by copies of my credit reports.

The car dealers are not seeking financial relief because of people like me.they are seeking relief because of the deals made to people who are dishonest, and claim to have good credit, (when in reality they do not have good credit.) There information is fuged to make it appear everything is in order of which many car dealers will false consumers information to make a car sale, and tack on extra for the salesman.

Your General Manager listened to my situation but did not believe my situation was valid after reviewing my credit report. I don't have over $100,000 in debt nor did any of the salesman review my credit report, or spoke with in person concerning my vehicle trade. Only the saleman Mr. Wil Beard asked me for $1300 down and no trade for my car.

I filed a chapter 13 in 2005 to save my condo to keep it, and pay outstanding hospital bills. What looked bad on paper as you well know is unforeseen circumstances that we all have during life's challenges to live. My situation is no different from other men and women. I chose to pay towards my immediate debts. Living on $1000 a month could not be done by you or employees of Max Madsen Mitsubishi. Yes I could have filed a chapter 7 to get rid of all bills and lose my condo, but I am not like most consumers to get out of total debt.

I chose to pay towards my debt because I made the debt. I've been paying for (2) cars since 2006. One that's currently in my chapter 13 and one that is not currently in my chapter 13. I am also current with my current vehicle that is not listed in my chapter 13. Also it did not matter that I've paid almost $53,000 towards my current chapter 13 since 2005, which will be paid in full in July of 2009 as long as I continue to be employed.

I expect to receive a declined letter from Max Madsen Mitsubishi in a week or so (even thought I did not speak with anyone acept the salesman) that reviewed my application with the general manager of this Max Madsen Mitsubishi location. The owner of Max madsen Mitsubishi was sitting in his office the morning I applied for a "used" vehicle 2004. I will forward a compliant with the better business bureau with a scanned attached copy of your declined credit letter once it arrives.

I thank everyone at Max Madsen Mitsubishi who knew all along that they were not going to allow me to secure a "used" Mitsubishi vehicle. God helps those who help themselves in an honest way. Your salesman Mr. Wil Beard knew I could not afford $1300 to put down on a car only to go into his pocket. I did realize I had an up-side-down situation with a balance. I've known people with bad credit to have as much as $10,000 and more of outstand car debt, and was still able to secure new cars, and they were white consumers. I'm sure Mr. Beard could not live off $1000 a month to survive weekly while daily earnings are taken to pay for debt.

Pamela
Aurora, Illinois
U.S.A.