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Report: #443738

Complaint Review: Stoneham Ford - Stoneham Massachusetts

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  • Reported By: Naples Maine
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  • Stoneham Ford 185 Main Street Stoneham, Massachusetts U.S.A.

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In Mid February 2009, I spoke with a salesman, Chuck Beauregard, via telephone on a used F550 that was advertised on their website. The vehicle had a few minor issues, and Chuck said the few issues would be repaired when purchased. I sent a buddy of mine to inspect the truck, as I was in California at the time, and he agreed the issues were minor that the truck was in very good shape.

I checked the finance interest rates offered on this vehicle - on their website - and the interest rate advertised was 7.5%. I verified this with Chuck who told me the interest rate was between 6.5% and 7.5%.

When I decided to purchase the vehicle, Chuck asked me for a $1,000 deposit so that he could hold the vehicle. I agreed and said I didn't want the financing done at the last minute. We agreed on the purchase price of $27,830, with $10,000 down on the vehicle, financing $17,830 at an approximate interest rate of 6.5% to 7.5%. Chuck agreed and processed the deposit. I then asked that the vehicle financing be initiated and asked that the vehicle could be kept at their location until I arrived in Maine. Chuck agreed.

Early March 2009, Chuck telephoned to inform me that all the repairs had been done to the vehicle. Made no mention of the financing.

Late March 2009, I hadn't heard from Chuck regarding financing so I called him. Chuck informed me that he had not done anything yet and that he needed a credit application filled out and returned to him. He email the application, I filled it out and returned it to him the same day.

As I traveled across the country, early April 2009, Chuck called to inform me that the financing was complete although he did not know the interest rate. It was financed for 48 months, through Ford Motor Credit, and the payment was approximately $495.00. It seemed high to me because we were only financing $17,000 (with $10,000 down on the vehicle). I asked Chuck what the interest rate was and he did not know.

I told Chuck to get it financed for 60 months as the payment was too high. He called later and stated $385.00 per month for 60 months. I again expressed my concern as to why the payment was so high and again asked what the interest rate was. Chuck replied 11.5%. I told Chuck that this was unacceptable and questioned the interest rate being advertised on their website. I told Chuck I would not purchase the truck at a 11.5% interest rate and to refund my $1,000 deposit. I then reminded him that I did not want to wait on the purchasing of this truck at the last minute and asked why we were doing this? Chuck then referred me to the finance manager.

Aram Mooradian, finance manager at Stoneham Ford, called me and I told him I needed the payment of the vehicle to be at $350 per month, which would have been the original interest rate of 6.5% to 7.5%. Aram said he'd try to work the points and call me back. When he called back he told me the interest rate would be 10.5% - then recommended I didn't accept it. He told me that the interest rate was high due to all of the repossessions as of late. I told Aram to refund the $1,000 deposit on the vehicle and I would not purchase at 10.5% interest.

Since then, I have called Stoneham Ford at least 20 times and have received the run around. Nobody was available to talk, to leave a message and someone would call back. They never did. Finally, on April 14, 2009 I spoke with John Melkonian, who told me the sales manager would call me back in 5 minutes. That never happed. I kept calling them all evening and was left on hold for more than an hour. Finally, the receptionist told me she would get a message to the owner who would call me the next day.

This morning, April 15, 2009, Bill Pollack, the commercial truck manager, NOT THE OWNER, called me to discuss the transaction. I short, I informed him of all that has taken place - and he replied that he has heard differently from his employees and that it was too bad as I was not going to receive my $1,000 deposit back - because I tied the truck up for a month and a half.

I TIED THE TRUCK UP? What employee at Stoneham Ford has even done their job in this whole transaction? Chuck, salesperson, failed to initiate financing until a month and a half later; Aram, finance manager, failed to provide financing that is advertised on their website; Bill Pollack, commercial truck sales, without my signature on anything - tells me they are not going to refund my deposit!

BUYER BEWARE! These thieves will not hesitate to rip you off!

Headed now to the Credit Card Company, Better Business Bureau, and Small Claims Court.

Bill
Naples, Maine
U.S.A.

Click here to read other Rip Off Reports on Ford and Ford Dealers

This report was posted on Ripoff Report on 04/15/2009 09:35 AM and is a permanent record located here: https://www.ripoffreport.com/reports/stoneham-ford/stoneham-massachusetts-02180/stoneham-ford-chuck-beauregard-bill-pollack-aram-mooradian-this-company-will-not-return-443738. 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
6Consumer
4Employee/Owner

#10 UPDATE Employee

$1000 Refunded to Consumer's Credit Card

AUTHOR: Mike Warwick - (U.S.A.)

POSTED: Monday, May 11, 2009

The $1000 has been refunded to Mr. Pullis' credit card.

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#9 Consumer Suggestion

Hey Car Dealer

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

POSTED: Saturday, May 09, 2009

Instead of getting into a pissing contest with this guy, why didn't you just mail him his refund check back, return receipt requested, so he'd have to sign for it, instead of stating his refund check is available at the accounting office? You would have come out ahead. I know it sucks, but for the lousy $1000, was it worth the bad publicity?

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#8 UPDATE Employee

Customer Refuses to Respond to Dealership's Efforts to Resolve Matter

AUTHOR: Mike Warwick - (U.S.A.)

POSTED: Friday, May 08, 2009

The owner of Stoneham Ford and I have attempted to contact Mr. Pullis on numerous occassions to resolve this matter. Apparently, Mr. Pullis' willingness to discuss this matter is limited to this website. Mr. Pullis' refund check is available Monday through Friday from 9:00-5:00 in our Accounting Office located at 185 Main Street, Stoneham, MA 02180.

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#7 Author of original report

Stoneham Ford, MA - $1,000 Rip Off!

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

POSTED: Friday, May 01, 2009

It seems that I've gotten a name wrong in this matter. I've talked to so many people in this dealership, trying to obtain my $1,000 deposit back, that I've named Bill Pollack as one of those employees and apparently he's one of the few employees I haven't spoken to

I am quite confident I have never spoken to Michael Warwick and it's clear that Mr. Warwick has absolutely no clue as to what has transpired. He has me traveling in February, he implies that my credit rating is 520, he claims that I tied up the vehicle for 45 days, then for months, he states that my report veers far from the truth when he doesn't have it straight to begin with, and he is completely confused as to who told me what. So let's clarify where Mr. Warwick has absolutely no clue and where Stoneham Ford is still ripping me off for a grand I'll address his misconstrued statements as they appear on his rebuttal and re-state the truth in simple facts.

1. I was not traveling in February. I was in California where I live 6 months out of the year.

2. The interest rate advertised on the website was 7.5% - estimated or not that is what the truck was being advertised for and - that is what Mr. Beauregard and I discussed.

3. My credit score is not 520, it is near 800. I've recently confirmed this as I have purchased a truck through another dealership, an honest one, and have an interest rate on the vehicle of 7.9%. I received this interest rate within a two hour period while TD Bank North accepted the loan by not pulling my credit report, simply by viewing my credit score. A copy of this current purchase and loan information will be faxed to Stoneham Ford for clarification.

4. Mr. Beauregard called me on April 3, as I was traveling across the country, and told me that the financing was complete on the vehicle. I asked him what the interest rate was and he stated he did not know. He then had me speak with the finance manager who then told me the interest rate was 11.5%. I could have received my own financing, but at this time I was TRAVELING ACROSS THE COUNTRY!

Which brings us to correction number 5 = the incompetence of Mr. Beauregard

5. Mr. Beauregard waited until the ninth hour to get the paperwork and financing done on this vehicle. As the timeline states: Deposit given to Stoneham Ford on February 27th. Credit Application received on March 25th. Credit Application returned on March 29th. Financing complete on April 3rd with an interest rate of 11.5%. Mr. Beauregard did nothing on this sale from February 27th, until March 25th when he finally faxed over a credit application.

Once again, Mr. Pullis implies that Mr. Beauregard was delaying the sales process by not completing the financing. Mr. Beauregard does not get paid for the sale until the vehicle is paid for. What would be Mr. Beauregard's incentive for delaying the financing and sale of the truck?

6. Again, Mr. Beauregard did nothing on this sale from February 27th until March 25th. And it is because of this that Stoneham Ford claims they will not return my deposit.

Just to be sure Mr. Warwick has the timeline straight let's revisit

Deposit given to Stoneham Ford on February 27th. Credit Application received, via fax, on March 25th. Credit Application returned, via fax, to Stoneham Ford on March 29th. Financing complete on April 3rd with an interest rate of 11.5%. Mr. Beauregard did nothing on this sale from February 27th, until March 25th when he finally faxed over a credit application.

7. As the time line states it is not months, it is not 45 days. This clearly shows where the employees of Stoneham Ford are completely incompetent. In the response from the Better Business Bureau Stoneham Ford claims I tied up the truck for several months. Mr. Warwick, in his rip off report rebuttal, claims first that I tied up the truck for 45 days, and then in the same rebuttal claims it was two months. So which is it? Several months, 45 days, or two months? While Mr. Warwick figures that out I'll put this into simple terms so that he can understand This deal could not be done until the interest rate and payment were given to me and they were not given to me in a timely manner.

8. A letter was written and sent via fax on April 20, 2009, by me, to the president of the dealership asking him for my deposit back, or to make the sale of this vehicle happen. To date, I have not heard from him or anyone else within the dealership.

Now, here's the kicker Mr. Warwick states:

Despite Mr. Pullis taking a vehicle off of the market for over two months and costing us several thousand dollars, we have no interest in keeping his deposit. We are in business to sell and service Ford vehicles. We have no desire to do business with companies or individuals that cannot be taken at their word.

Mr. Warwick should practice what he preaches. I didn't take the vehicle off the market for over two months, the incompetence of the dealerships employees have made that happen We have no interest in keeping his deposit. As of today, May 1, 2009 I still haven't received my deposit back

Speaking of doing business with companies or individuals that cannot be taken at their word, how honest is that?

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#6 Consumer Comment

Fantastic!!!

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

POSTED: Wednesday, April 29, 2009

What a great rebuttal Mike!!!! It's always the car dealer thats wrong when people can't get what they want because of their own shortcomings. Again, hats off to you Mike.

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#5 UPDATE Employee

Stoneham Ford's Response to Misleading Rip-off Report

AUTHOR: Mike Warwick - (U.S.A.)

POSTED: Monday, April 27, 2009

On February 15, 2009, Chuck Beauregard, a salesman at Stoneham Ford, was contacted by William Pullis of Procom Property Management in Naples, Maine regarding a used Ford F550 truck. Mr. Pullis expressed his interest in the truck and stated that he would like to have the truck inspected by a friend in the area as he was traveling at the time. The vehicle had a few minor issues that needed to be addressed but overall, the vehicle was in very good shape.

Mr. Pullis stated that he wanted to purchase the vehicle but he would be traveling for a while and wanted to know if Mr. Beauregard would hold the truck for him. Mr. Beauregard agreed to hold the truck if Mr. Pullis would leave a $1000 deposit.

This is where Mr. Pullis' account veers far from the truth. I will address his claims one by one as they appear in his report:

1. Mr. Pullis claimed that the interest rate was advertised at 7.5%. Our website lists an estimated payment based on the dealership wide average for all finance contracts. Common sense as well as several disclaimers clearly state that not everyone is going to qualify for this rate. Someone with a 520 credit score is not going to get the same interest rate as someone with an 800 score. As a businessman who has made many vehicle purchases in his life, Mr. Pullis was well aware of the financing process.

2. Mr. Pullis claimed that Mr. Beauregard agreed that the approximate interest rate would be 6.5% to 7.5%. At this point, Mr. Pullis had never filled out a credit application. How could Mr. Beauregard quote him a rate if he had no idea about his credit history? This claim is ridiculous on its' face. Number one salesmen never quote interest rates. Number two how could anyone quote him a rate without knowing his credit score?

3. Mr. Pullis claimed that in late March 2009, the financing was complete but that Mr. Beauregard did not know the interest rate. How could the financing be complete without Mr. Beauregard knowing the rate? Mr. Pullis was told the rate was 11.5% based on his credit score and he stated that he could get his own financing.

4. Once again, Mr. Pullis implies that Mr. Beauregard was delaying the sales process by not completing the financing. Mr. Beauregard does not get paid for the sale until the vehicle is paid for. What would be Mr. Beauregard's incentive for delaying the financing and sale of the truck? Mr. Pullis states that he did not want to wait until the last minute to purchase the truck. At this point, he had already delayed his purchase over 45 days. We are in business to sell vehicles, not have them taking up space on our lot with only deposits. We wanted this truck to be delivered in mid-March. Mr. Pullis delayed the purchase because he felt that 11.5% was an unfavorable interest rate and demanded that we lower the price of the truck or lower our rate. Stoneham Ford has no control over the interest rate that customers receive from Ford Credit or other outside banks. Your interest rate is based on your credit worthiness. We have no control over Mr. Pullis' credit rating and since his own bank did not offer him a more favorable rate, it is clear that the rate he received was in line with what someone with his credit history should expect. Mr. Pullis chose to delay his purchase, not Stoneham Ford.

5. On April 14, 2009, almost two full months since he agreed to purchase the vehicle, Mr. Pullis cancelled the transaction. He claims that the interest rate was too high and we were unwilling to lower our price to offset his interest rate. Basically, we should sell our vehicle to him for less because he doesn't qualify for a better interest rate. Clearly, Mr. Pullis had learned by now that he would not be able to obtain more favorable financing from his own bank and began looking for a way to get out of this deal.

Mr. Pullis requested a refund of his deposit and was told that he would need to speak to the owner in regards to the refund and that the owner would be back from vacation on April 27, 2009 to discuss the matter. The owner deals with all cancelled transactions personally to insure that the staff has done all we could to assist the customer.

6. Mr. Pullis claims that he spoke to Bill Pollack and was told that he would not be refunded his deposit. Mr. Pullis has never spoken to Bill Pollack. Bill Pollack has never had anything to do with Mr. Pullis or this transaction. Mr. Pollack has filed his own rebuttal to this claim and may seek legal action against Mr. Pollis for falsely naming him in this report.

Stoneham Ford has been in business since 1927. Our reputation as an ethical and honest dealership is well known throughout New England. We deal with thousands of customers every year and despite our best efforts, there will always be a very small percentage of customers who are unhappy with their experience. In these rare cases, we address the customer's concerns and do our best to rectify any problems.

Chuck Beauregard is an outstanding salesman with 23 years of experience and an impeccable reputation. Chuck made one mistake during the entire time he assisted Mr. Pullis. He assumed that Mr. Pullis was a man of his word. Despite Mr. Pullis taking a vehicle off of the market for over two months and costing us several thousand dollars, we have no interest in keeping his deposit. We are in business to sell and service Ford vehicles. We have no desire to do business with companies or individuals that cannot be taken at their word.

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#4 REBUTTAL Individual responds

Wrong employee in question

AUTHOR: Bill Pollack - (U.S.A.)

POSTED: Sunday, April 26, 2009

My name is Bill Pollack and I am the commercial truck manager at stoneham ford. In this report I am mentioned as one of the parties involved. The person that is being refered to is a sales manager also named Bill. I have never spoken to this customer and was never involved in his transaction. I have 14yrs of happy customers and it really bothered me to see my name tarnished over something I was not involved in. If you could correct this I would greatly appreciate it.
Thanks

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#3 REBUTTAL Individual responds

Wrong employee in question

AUTHOR: Bill Pollack - (U.S.A.)

POSTED: Sunday, April 26, 2009

My name is Bill Pollack and I am the commercial truck manager at stoneham ford. In this report I am mentioned as one of the parties involved. The person that is being refered to is a sales manager also named Bill. I have never spoken to this customer and was never involved in his transaction. I have 14yrs of happy customers and it really bothered me to see my name tarnished over something I was not involved in. If you could correct this I would greatly appreciate it.
Thanks

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#2 REBUTTAL Individual responds

Wrong employee in question

AUTHOR: Bill Pollack - (U.S.A.)

POSTED: Sunday, April 26, 2009

My name is Bill Pollack and I am the commercial truck manager at stoneham ford. In this report I am mentioned as one of the parties involved. The person that is being refered to is a sales manager also named Bill. I have never spoken to this customer and was never involved in his transaction. I have 14yrs of happy customers and it really bothered me to see my name tarnished over something I was not involved in. If you could correct this I would greatly appreciate it.
Thanks

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#1 REBUTTAL Individual responds

Wrong employee in question

AUTHOR: Bill Pollack - (U.S.A.)

POSTED: Sunday, April 26, 2009

My name is Bill Pollack and I am the commercial truck manager at stoneham ford. In this report I am mentioned as one of the parties involved. The person that is being refered to is a sales manager also named Bill. I have never spoken to this customer and was never involved in his transaction. I have 14yrs of happy customers and it really bothered me to see my name tarnished over something I was not involved in. If you could correct this I would greatly appreciate it.
Thanks

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