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Report: #1030927

Complaint Review: Mitsubishi Motors Credit Of America Heritage Mitsubishi - Longview Texas

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  • Reported By: Mesquite Texas
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  • Mitsubishi Motors Credit Of America Heritage Mitsubishi 912 Loop 281 W. Longview, Texas U.S.A.

Mitsubishi Motors Credit Of America Heritage Mitsubishi ripoff dishonest fraudulent billing, liars about being a loan and no balloon payments Longview Texas

*Consumer Comment: KC, nobody was trying to put you down.

*Author of original report: Criticism

*Consumer Suggestion: KC, What did your contract say? Did you even read it?

*Consumer Suggestion: You Definitely Have a Case!

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I am so mad My husband and I both bought a vehicle from Heritage Mitsubishi and were financed through Mitsubishi Motors Credit of America, Inc. I bought a 2002 Mitsubishi Galant, fully loaded and my husband bought a 2002 Mitsubishi Eclipse.

We decided to go w/ the Diamond Advantage Plan (Diamond Rip off Plan). The salesman explained it to us and I remember specifically asking is this a lease and are there any balloon payments, the salesman said NO this is not a lease or any balloon payments at the end. He told us that w/ in 4 - 5 years we would come back in and be able to trade the car in just as we normally do other cars. He said this program just allows you to make lower payments because you are using our new Diamond Plan and it is through our credit company.

So, that day we both drove off in two new cars. I had gone w/ the company because I had dealt w/ this salesman earlier buying a Mitsubishi Montero Sport and I had wrecked it and needed a new one so he said w/ this car I was now buying I would not have to add any rollover to my new car.

In 2003 I had another child and the car was cramped and in 2005 I had another child, totalling 4 kids, me and my husband. I decided to go to Mitsubishi and trade my car in. I went to mitsubishi in Mesquite, Texas. I was told that this was a loan and we were upside down in the car loan by at least 6-8 thousand dollars. The salesman at Mesquite told me that I could maybe get a better deal on a Mitsubishi Montero that cost at least 30,000 plus got really bad gas mileage.

If we did that he would be able to give us more incentives and knock some of the upside down loan "off". Of course, the car was not what we wanted and was not big enough. He told us there was nothing he could do and that he had seen many many people come through there from other Mitsubishi dealerships, especially smaller Mitsubishi dealerships, that got into this and they lied to them to.

He said they were lying and not explaining the whole details out because they were getting cars sold and the credit company was making money off the upside down loans.

Since then, we called the Heritage Mitsubishi and the salesman that sold us the car no longer works there and the Mesquite salesman quit a few months after we went there and he called us from another dealership and told us he could probably do more w/ this company.

So, Thank God for Saturn of Mesquite. They are an awesome car dealership and they got us into a really good car and though we had to pay on the upside down loan and it was at least $4000.00 but they did get us out of the other amount owed by giving incentives.

Now, we have a 2002 Eclipse w/ over 100,000 miles on it, transmission went bad, it is a piece of junk and in 2007 we still owe exactly: $8,408.77 and it must be received by 3/27/07 to pay in full. No one is going to give us half of this for this car and we are going to wind up paying that and trading it or paying this huge 6000.00 (not exact amount) balloon payment in October 2007.

This Company is a rip off. Be ware of the Diamond Advantage plan and beware of the people at Heritage Mitsubishi in Longview, Texas or any other Mitsubishi company.

I want Mitsubishi Credit of America to pay us for their fraudulent activity. I want the money we lost from the 1st car on the upside down loan and extra we paid and for when we have to sell this Eclipse and pay on its upside down loan. We should not have been misled and lied to! They did us wrong and many other people!

I want them to pay for all of this damage they have done to so many peoples lives. They deserve a huge consequence and they deserve not to be able to sell cars to the public because of this fraudulency.

Mesquite, Texas

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#4 Consumer Comment

KC, nobody was trying to put you down.

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

POSTED: Monday, April 23, 2007


I was not trying to put you down. I was simply stating the facts, as was the other poster I'm sure.

This is a common tactic used by unscrupulous salesman. They keep talking while they push you through signing the contract. This is the first sign you are being ripped off.

I hope that you can learn from the information that was provided here so in the future you do not make the same mistakes.

It sounds like with as many cars as you were upside down on, that you need some education in the car buying process.

Did you know that there are professional car buying consultants/buyers agents that you can pay a couple of hundred dollars to and they will negotiate the deal for you?

This would be a very good investment for the next time you decide to buy a car.

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#3 Author of original report


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

POSTED: Monday, April 23, 2007

Thank you for your responses. I am sorry to hear that you think I am "ignorant" and "I did not sign the salesmans tongue". I really am sorry to hear that. I appreciate each person who emailed me back to let me know they think I was stupid. Maybe I was maybe I wasn't, but at least I don't have to worry about talking to people the way you do!

I am sorry I am one more "ignorant" woman in the world that you can continue to laugh at and make rude remarks to! I am sorry I am one more ignorant person that made a mistake, since you never have.

I guess as long as I am one more person that you can talk down to so that you can feel better about yourself I accomplished something worth while! I wouldn't want you to be bored!

Thank You for your time! If you have any more constructive criticism please let me know!

Have a good day!

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#2 Consumer Suggestion

KC, What did your contract say? Did you even read it?

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

POSTED: Monday, April 23, 2007


The first thing you need to realize, is that whatever is said verbally means absolutely nothing, as it cannot be proven at a later time. It is hearsay. And, totally irrelevant.

Just the terminology alone would indicate that it was a lease. AND, your CONTRACT has very specific wording regarding your LEASE!

And, the TIL [Truth in lending] statement CLEARLY identifies the type of transaction as a sale or a lease, as well as all of the specifics as to amount finance, trade allowance, down payment, monthly payment, first payment date, last payment date, etc. This is all a requirement of federal law, and every car dealer must provide it.

The only problem I see here is an ignorant customer who wants someone else to blame. Car buying is very tricky. NEVER do a spot delivery or same day purchase of a vehicle.

ALWAYS get the entire offer in writing and take it home with you and carefully examine it. Any REPUTABLE company will not have a problem with this. If they do have a problem with it, that is good. You just saved yourself alot of money!

Remember, what anyone says, MEANS NOTHING!! It is ONLY what is WRITTEN that counts. Don't EVER sign anything that you do not fully understand.

There is no case here if they fulfilled what was in your written, signed contract.

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#1 Consumer Suggestion

You Definitely Have a Case!

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

POSTED: Sunday, April 22, 2007


Let's see if I understand this...

After the deal was done, you asked the salesman if this was a Car FLEASE and he said "No!" You also asked him if there was a balloon payment and he said "No!". Right?

Now, the BIG question.....

Did YOU read the paperwork YOU signed???

If the paperwork YOU signed did not contain all the financial details about this deal, then you have one hell of a case ANY attorney would love to take.

However, I suspect what happened is this...

You didn't read one word of the contract you signed. You asked the salesman where to sign and what it said. You signed a CONTRACT not his TONGUE. The contract no doubt stated all the details, which you didn't read. Now my friend, who's fault is this???

Yes, either way you have a case. First, if the contract was a fraud but more likely the case of YOU doing what so many other people do...just sign without reading and understanding. In this case, make today the turning point of your life where you will never, ever do something like this again!

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