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smart choice warranty HELP !

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  • On August 7, 2002, I applied for an extended warrantee with Consumer Automotive Consultants. I spoke to a consultant of this company that sold me a 10 year or 100,000 mile warrantee for $2K bumper to bumper. I agreed to the contract with a payment plan of for 18 months but to lock in the deal, a small down payment. My last payment was debited on February 20th 2004. At this time of contract I was unmarried and now recently married. On August 13th, 2002, I received a letter congratulating me on my new warrantee and that my contract will follow in the mail. One month later, I did receive my three-page contract on legal green paper and an SmartChoice 2000 ENCORE brochure of what is covered and not covered. I read all my information and disclosures and was satisfied of the contract. On August 11, 2003, I received a letter from Consumer Automotive Consultants telling me that they had moved the processing of claims submitted to Automotive Consumer Services, Inc. On February 20th 2004, my last payment was auto debited from my account. Later on this same evening, I contacted Automotive Consumer Services, Inc. I asked if my account was paid in full and would I be receiving a confirmation letter. The rep reviewed my account and said that yes I was paid in full and that a letter will be sent to me of confirmation paid in full. A few weeks later, I received a letter in the mail indicating my account was paid in fill on 02/02/04 made to CACFinancial towards my service contract, they still indicated that my policy is the same as the previous claim company. The contract states that customers with this warrantee must have authorization from the company before going to the dealer. I went to my quarterly oil change and it was indicated to me that I need a part replaced on my vehicle at this time 04/15/05 and update my new last name on my account. I pulled out my paperwork and called the number listed. I happened to speak to a rep at a company named TheAutoWarrenty Division, that the same number I called in February 2004. He never heard of the company that I was calling about but his manager mentioned something about their contract being redirected again. I called 7 different phone numbers to look for my account; no one could help me or knew what I was talking about. None of the telephone numbers on my paperwork are valid to my contract or service. It seams that I have a contract that is not valid and I cannot contact anyone that I can discuss my warrantee, get my vehicle repaired with my warrantee, or even get a refund for my contract that I still have at least three years left.
  • mrdeemrdee Posts: 1
    I purchased a smart choice contract from a dodge dealer in 10/2001. The sales person originally told me the contract was goin cost me 15,000. But when I went to the person who did the paperwork he told me the contract was going to cost me 3000. I was desperate for a car because I had just had a child, so I agreed..The money was added to my car note. I realized that was a big mistake. I want to take them to court. What I want to know is does anyone know how much a contract like that should cost for a 1998 dodge stratus with 6700 miles on it? They charged me 3,000. I also forgot to mention that I sent a cancellation request to smart choice 6 months later when I found out about the company going bankrupt. I havent had any repairs on my car but counting interest $4000 was added to my car note what can anyone tell me
  • driftracerdriftracer Posts: 2,692
    there's obviously no limit on markup on the warranties....your question about what it should cost is VERY vague and has 200 answers, depending on level of coverage and length of contract.

    Also, there hasn't been any actual damage to you, financially, since you agreed to the contract (and price). The dealer isn't on the hook for Smart Choice.

    You haven't had any repairs, so no claims have been denied - if that had happened, you MIGHT have a breach of warranty action, but a lawyer isn't going to want to chase a bankrupt company and pay filing fees only to have to get in line behind everyone else...

    Sorry I couldn't give you cheerier news.

    Oh, and by the way, I haven't seen a state yet that allowed more than a 2 year statute of limitations on any civil action....your car deal is 3 years, 8 months old - even if there was a problem, you're out of statute of limitations, so you can't take any action.
  • I had no clue there were any problems with this warranty until today. My service engine light came on, so I took it in to the dealer who sold me both the car and the extended warranty. They told me that that the extended warranty company had gone bankrupt, and that they were going to charge me $90 to "diagnose" the problem with the car. But, out of the generosity of their hearts, they did say that they would give me some kind of discount on whatever parts were needed. :mad: Is there any kind of lawsuit I could join against either the warranty company or against the car dealership itself?
  • beeferbeefer Posts: 1
    Wrong, driftracer. Most states have a statute of limitations of at least FIVE years for breach of contract, and often that's from the time of the BREACH.

    http://www.fair-debt-collection.com/SOL-by-State.html

    Nice try, though.
  • janmjanm Posts: 1
    I was trying to find some information on my warranty on the internet and ran across this message board. The dealer is giving me the run around on fixing my 2002 Honda, that needs a $950 part, I bought the Smart Choice 2000 --100,000 mile warranty. The service manager keeps saying he faxed my information to the company because they couldn't find it on their computer and will call me as soon as they decide if the part needed is covered---even though when they sold me the contract is was supposed to be bumper to bumper. Now I know, the service manager is telling me a bald faced lie and I'm mad as hell. I will be in contact with the management tomorrow and may sue in small claims court if they don't reimburse my money for a worthless contract and fix my Honda, will let you know of the outcome.
  • ealeal Posts: 2
    Is there a cancellation clause in your contract?
    Is the contract between you and the "selling dealer"

    Cancel the contract if you can (cancellation clause on back of contract) and sue in small claims for the refund (there was a formula for figuring out the refund on the contact) make sure you send everything by certified mail

    My dealer refused my refund and then tried to get me to prove I had done
    everything I was supposed to (oil change every 3000 miles etc.) they wanted
    to prove I had voided the warranty. I wouldn't send them anything.

    Sued them in CT small claims and won
    I refused to send them anything
  • Just had repair work done and repairman called to get covered for extended warranty and lo and behold - not in business. So I have been holding a non-existent contract for, it seems, over two years.
    I note that the contract is between me and the dealer but also states the bit about liabilites with this Contract are with SC&E Administrative Services and performance is insured by an insurance policy issued by National Warranty Insurance Company in Lincoln, NE. What a bunch of crap, just a way to keep passing the responsibility on to someone else.
    I bought this policy for $1895.00, along with a Dodge Durango for quite a few bucks more, in Lake Havasu City, AZ., at the Dodge dealership. They kept me there for 4 1/2 hours hoping they would finally weaken my determination to not be taken advantage of and it worked. I will be checking into their legal obligation and will post outcome here. Unfortunately, it has been my observation over the years that it is almost always the big boys with the big bucks that win in a legal matter.
  • len628len628 Posts: 1
    My car just broke down the other day and I pulled out my warranty which I purchased in 2002 and never used. Only to find out they went out of business. I purchased this warranty from CAC in Missouri not through a dealer. Did you ever get an answer from anyone on who may still process a claims? Or is this just a worthless $1600.00 document!
  • What are the best Dodge Dealer internet sites to get a good deal?
    :)
  • wlbrown9wlbrown9 Posts: 835
    A couple of years ago I used www dot chryslerwarranty dot com for a D/C Factory warranty on my Jeep. They are actually a part of Des Moines Chrysler. I was able to save more because I did not have to pay Tenn sales tax at 9.25%.
  • mnbmnb Posts: 1
    Hello I am a smart choice warranty holder and would like to know of any information regarding the warranties because I am just now finding out that my warranty is no good
  • nortsr1nortsr1 Posts: 1,060
    Too little, too late. Your first mistake was buying a non- Mfg. warranty.
  • mitzijmitzij Posts: 612
    Smart Choice did what many service contract companies do: made promises, took people's money in exchange for paper, then went out of business and skipped town.

    There may be a class-action suit you could join, but we all know how well those judgements pay the people who are actually out money. I don't remember if there is one for Smart Choice customers, but there is one for Warranty Gold dumpees (different company, same story).

    There have been a few people on this site who say they were able to get the dealer they bought the contract from to pay some or all of the bill on repairs that would have been covered. It would be worth a try, just ask the dealer before you get anything fixed. Don't march in with the bill and an attitude and expect help.

    Other than that, Congratulations! You are the proud owner of an expensive piece of paper!
  • My SC2000 warranty came with a "no claim bonus" where I could get an 80% refund if I never made a claim on it in 3 years.

    My Buick Regal I bought in September 2002 has been flawless, so a month ago I started getting ready to claim my big refund ($1,000+), and discovered the NWIG saga. Mailed in all the refund info anyway to see what would happen, and I got a check for $135 from ProGuard International in Laguna Beach CA. They refunded the "application fee" since NWIG went out of buisness.

    I figure a 10% recovery on the dollar from a bankrupt firm ain't bad. :mad:
  • My situation is excatly like yours. I don't know what do to. I called the Better Business Bureau last friday and they asked me to contact the DMV - Compliance and Investigations Department to get extra information about it. I also called the bank that financed my car :confuse: because if this company doesn't exist anymore I want to know who is receiving a portion of the payment of my car note that suppose to go to Smart Choice.
  • My situation is exactly like yours. If you find out something about it please let me know. I called the Better Business Bureau last week and they asked me to talk to the Compliance and Investigation Dept. at the DMV to get more information. You should do the same thing.
  • did you contact the dmv or the bank to find out who is receiving the money that was financed. i would be happy to file the same claims if it would do any good. as i had to just dish out 450.00 to get something fixed that should of been covered under the warranty :mad: ">
  • I have been trying to contact them with every number that I can find to CAC. I call one number 1-800-400-9118 and all I get is a busy signal for a few seconds and then it hangs up. Does Anyone know how to get a hold of these guy?
  • did you ever find a way to contact, I am having the same problem
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