My Salesperson Misled Me

jmonroe

...i like to read about what some customers are thinking before they come into the dealership or f&i office.

Ahhh...if that's all you want that's easy to answer.

I'm thinking about buying a car and not spending too much time in the F&I office. :P

jmonroe

snakeweasel

Well, is it a nationally known fact they were defrauding GMAC?

It doesn't have to be nationally know, just known in the industry. Trust me if GMAC knew they were being defrauded all potential lenders would know. These people talk amongst themselves.

snakeweasel

I've noticed that, and a few other things;

You forgot personal insults.

Oops did I hit a little close to home? Sorry

jchevrolet

They are thinking:

"My darn payments always goes up when I go to the finance office."

Welllllll.....If you buy every insurance and warranty that is offered by the dealer, your payment is going to go up. Just say no!!!

JChevy

snakeweasel

"My darn payments always goes up when I go to the finance office."

Last car I bought I never saw the finance office.

jchevrolet

Now how in the world did you get away without going to finance? Outside financing, or did they bring the paperwork to you? (happens from time to time)

snakeweasel

Lets just say that the one that calls the shots owed me a big favor.

duke23

Volvomax wrote :
" Bill Heard defrauded GMAC, thats why they closed.
GMAC wouldn't floor them or allow it's financing to be used. "
Details sir, enquiring minds want to know.

jmonroe

Just say no!!!

That’s exactly what I do.

The last two times I bought, the salesmen knew I didn’t play games with the back and forth stuff and I’m sure they mentioned this to their F&I guys. I almost felt a little guilty when they brought up their offerings and even said a few times, “you don’t want this do you” :surprise: and moved onto the next item; same thing. I know the F&I guys have a job to do but when they recognize that a buyer doesn’t want their offerings, the ones I met in 05’ and 06’, folded their tents rather quickly and looked ahead to the next guy.

Like I’ve said here many, many, times this car buying thingie really is easy.

jmonroe

jipster

Like I’ve said here many, many, times...

Yes, you do sound like a broken record at times, but I really don't understand the irrational fear some people have about avoiding the F & I office.

Jips Tips: Don't be wishy washy... say, "no thanks, I'm not interested"... no reason need be offered. If the guy puts unwanted pressure, or persists, be firm and directive. i.e "If this unprofessional behavior continues I'm walking out on the deal". Then do so if need be. Be prepared before you go in, know what you may or may not be interested in. I've always found F & I to be an enjoyable experience. It should be an exciting time, that brings you one step closer to your new automobile... not tense and scary like you're in a Freddy Kruger movie.

verdugo

-If you ever make a really good, solid point against someone else, they'll come back and point out spelling or grammerical errors in your post because they have nothing else to come back with!

Wait until Richard comes back. He's our resident grammar expert. It has nothing to do with whether he agrees with you or not, he just wants to improve your grammar.

imidazol97

>-If you ever make a really good, solid point against someone else, they'll come back and point out spelling or grammerical grammatical errors in your post because they have nothing else with which to come back with!

>Wait until Richard comes back. He's our resident grammar expert. It has nothing to do with whether he agrees with you or not, ; he just wants to improve your grammar.

There are some of the rest of us who are capable, but it is distracting from the purpose of the discussion and puts off some people from posting because they don't want to be corrected.

verdugo

I should've added a at the end of my previous post.

imidazol97

>I should've added a

Me too.

fandiguy

It doesn't have to be nationally know, just known in the industry. Trust me if GMAC knew they were being defrauded all potential lenders would know. These people talk amongst themselves.

I know of a local dealership that was put on "watch" by citizens for fraud....none of the other lenders had a clue. The lenders are competitors, they don't show each other their play books. Now, if you actually work for a dealership or a lender and know what you said is a FACT, then i apologize. A lot of people assume things waaaaaaaaay too much on here.

Lets just say that the one that calls the shots owed me a big favor.

Sounds like you've got it all figured out. So.....why are you here bitching about things if you've got a "sweet hookup."

snakeweasel

I know of a local dealership that was put on "watch" by citizens for fraud....none of the other lenders had a clue.

Not quite apples to apples is it.

The lenders are competitors, they don't show each other their play books.

Not saying they show each other their play books but they do share information on credit worthiness. Either that of someone is sitting some place making up my FICO score (if thats the case I gotta give them a good tip come the holidays).

So.....why are you here bitching about things if you've got a "sweet hookup."

Who says I am "bitching" about anything? Simply disagreeing with someone with good reason is not "Bitching".

fandiguy

We were talking about a dealership defrauding a lender, its apples to apples.

Do you actually know what is involved in setting up floorplan? From the sounds of it you don't. So like i said before, you're another "expert' assuming things again.

I've read plenty of your posts to know you [non-permissible content removed] and moan about car dealerships, but you said you've got the man who "calls the shots" owing you favors, so what exactly IS your beef?

snakeweasel

We were talking about a dealership defrauding a lender,

I was talking about dealership defrauding their lender, You came back with something about being put on a "watch list" by a citizens group. Two different things.

Do you actually know what is involved in setting up floorplan?

Actually I do, I have audited dealerships before.

I've read plenty of your posts to know you [non-permissible content removed] and moan about car dealerships

Where have I bitched about car dealerships? I simply mentioned that there are plenty of bad dealerships out there and one must protect themselves. I also question your claims that one needs an extended warranty.

I have no beef, but I suspect I am hitting a little to close to home with you.

but you said you've got the man who "calls the shots" owing you favors,

No, I believe I said owed me a favor. Some wells you can only drink from once.

jchevrolet

Lucky you!!!...Made it a bit easier didn't it?

snakeweasel

Sure did, it was a once in a lifetime deal, never to be repeated in this or any other universe deal. Sure will make replacing my daily drive this summer look very difficult regardless of how good it goes.

jchevrolet

Best advice that I can offer though---at least have them explain the insurances and the warranties to you so that you have a firm understanding of what they provide for you. This may take a little extra time, but you may find one of their products very useful to you...and if you do not want any of them of course as you know you definitly can opt not to take them!

fandiguy

Not a "citizens group," CITIZENS, the auto finance company.....i figured an expert like you would know that. I just get tired of you so-called "experts" who think they know everything about car dealerships, its really pathetic. My issue with you is you don't contribute any real info here, you just comment on everyone else's ideas and opinions and give your "expert opinion" on everything. I could care less what "qualifications" you've posted about yourself, its the internet, we're all 10 feet tall and engineers or doctors, right? When was the last time you posted something without quoting someone else?

I'm sure this'll get pulled within 2 hours

snakeweasel

Not a "citizens group," CITIZENS, the auto finance company

Well you didn't say "CITIZENS for fraud" you said "citizens for fraud" all lower case letters and no "auto finance" and/or "Inc" behind it lead me to believe it was one of a few consumer groups of a similar name.

Then again consumer loans for cars is a different ball of wax from financing floorplans, isn't?

My issue with you is you don't contribute any real info here,

Do you really want to go down that road and hear my issues with you?

we're all 10 feet tall and engineers or doctors, right?

True, this thread is making me wonder if your really who you say you are.

jmonroe

...at least have them explain the insurances and the warranties to you so that you have a firm understanding of what they provide for you.

I didn’t need any insurance or an extended warranty. The warranty that came with the car was plenty enough for me.

This may take a little extra time, but you may find one of their products very useful to you...

I did give the F&I guys a chance to explain their offerings and I made sure it only took a small amount of time. I feel not wasting there time or mine is fair for both of us. I consider the F&I office a part of my research; just as I know what price I’m willing to pay, I also know the F&I office doesn’t have anything I want.

No hard feelings, it’s only a business transaction.

jmonroe

mattgg1

" I just get tired of you so-called "experts" who think they know everything about car dealerships, its really pathetic."

The same can be said about you, fandiguy. You position yourself as an "expert" and think everyone should take what you say as gospel, and those who have a different opinion are idiots. Some think you are equally pathetic.

You may be an "expert" at making your dealership money, but you certainly aren't giving expert advice to consumers looking to save money on their vehicle purchases.

Anyone claiming that invoice on a Chrysler product is a great deal is suspect in my book. Not to mention advocating those wonderful extended warranties and other overpriced F&I items.

madmanmoo

Fandiguy is actually contributing information and doing quite well at it. Post on Fandiguy. You are very welcome wherever you decide to lay your text down.

fandiguy

SNAKEWEASEL and MATTGG1-Read through some of my posts, i've given very good, honest advice on how to get the best deal, how to handle the f&i process and a few other little tidbits. I never claimed to be an expert, if you read closely, i always say i'm "in the business." You'd think hearing from someone who actually works in a dealership would have some value opposed to the usual people who "assume" what goes on. Snake, go ahead and give me a list of what you have against me, i could really care less. I'm here telling everyone i'm an F&I manager....not really impressive seeing as so many of you "know" everything about my job. I could have lied and said i was an engineer, doctor, or even a CPA Mattgg1, you just seem to follow my post and try to make points against me...i thought i properly disposed of you on a different forum a few days ago, you must have a short memory or something. I don't expect anyone to take what i say as "gospel." Like i've said dozens of times, i offer an opinion and input based on FACTS from inside a dealership, not assumptions. You also challenge everyone else's opinion that differs from yours, so i'm not sure where you're coming from. If you can't handle the truth, then i suggest ingnoring me and stop following me around through the forums.

For every jaded "expert" who doesn't like what i say, there are plenty of level-headed individuals who value an opinion from the "inside." For for their sake, i think i'll continue to post. Thank you madmanmoo.

greanpea68

Jips Tips

Now that is a tag line.... I have to admit Jip that little line of yours cracked me up because I know how you love to give advice....LOL

Most people that know everything always want to give advice.... myself included

I would have to agree with you here. If anyone is ever feeling uncomfortable at any time during a vehicle purchase they shouldn't be buying. Maybe they shouldn't be buying at the dealership becasue it is a crappy dealership. Or maybe they just shouldn't be buying a car at all because they really can't afford it or it is not the right vehicle that fits their lifestyle.

GP

bvdj84

Lets stay on topic.

Anyone with experiences where a salesperson misled you...?

greanpea68

Wait until Richard comes back. He's our resident grammar expert. It has nothing to do with whether he agrees with you or not, he just wants to improve your grammar.

I can attest to that. i am not the best grammar person when writing but I could probably talk a dog off a meat truck :surprise:

GP

greanpea68

Best advice that I can offer though---at least have them explain the insurances and the warranties to you so that you have a firm understanding of what they provide for you. This may take a little extra time, but you may find one of their products very useful to you...and if you do not want any of them of course as you know you definitly can opt not to take them!

I would like to add to this...

Some dealerships in the F&I office do offer some crappy 3rd party warranties... I wouldn't want any part of these myself. Of course the reason they do it is because they make more profit on them.

And of course at my dealership we wouldn't do anything like that

But there a lot of dealerships that do offer some good warranties/insurances that do have a lot value. Those are the ones that my dealership offer

GP

greanpea68

Fandiguy is actually contributing information and doing quite well at it. Post on Fandiguy. You are very welcome wherever you decide to lay your text down.

I concur.... ( if i spelled that wrong I mean to say i agree)

GP

jchevrolet

Understandable jmonroe. If you know what you want and need and what you don't want and need, and are pre-educated, there is absolutley nothing wrong with that. Same scenario for me as Internet Director of my store--saves me time when a customer already knows what vehicle they are interested in and has an idea of the price that it will be. An educated consumer can cut down the time it takes to do a deal by hours--on both the sales and consumer side.

JChevy

jchevrolet

greenpea,

Nice to see you in the forum. JChevy

mackinaw1

We are trying to buy a car from a big dealer ,we founfd the car on the internet,I called the car is there..we called our bank and got the money to pay for the car.
We went to the dealer they said they didnt have the title but they would get it.
It has been 2 weeks still no title so we have no car.Should they be doing what ever it takes to get the title? or are we getting jerked around...I dont want the check back...I want the car..

fandiguy

Not sure what state you're in (i would assume michigan from your name) but sometimes it can take up to a month to get all the title transfer work done. If its a used car, they might have JUST gotten it in and don't have the title yet from the previous transaction. Or if its new, they haven't gotten the MSO transfered over to your name yet. Sometimes it just takes time when you have to go through the state offices. I don't think anything shady is going on, they might be backed up because they're such a big place.

mattandi

:confuse:

used car?

greanpea68

. If its a used car,

I would bet my paycheck it is a used car. Used car titles can take a couple of weeks. New cars can some times take a week. I would give the dealer a chance to get the title. It happens more than you think and it is really out of the dealer's hands. If you need transportaion make the dealer put you in a rental. If they really want your business they will pay for the rental. Rental for two weeks will cost the dealer about $350.

GP

fandiguy

I would bet my paycheck it is a used car

Carefull greanpea, you're gonna get a few posters that will try to prove you wrong and expect money!!

volvomax

It sounds like a used car.
Banks can take a couple weeks easy to get you a lien release or a new title.
Sometimes it can take up to a month.
Usually not an issue because the temp tag is good for longer than a month in most states.
Why doesn't the dealer put the car on a temp tag and send you on your way?

kyfdx

Why doesn't the dealer put the car on a temp tag and send you on your way?

Exactly!!

If they are holding up the deal, because they don't have the title, then I'd go somewhere else.. If you are holding up the deal, because they don't have the title, then that's just the way things work... You have to assume they will come up with it within the month..

jipster

Now that is a tag line.... I have to admit Jip that little line of yours cracked me up because I know how you love to give advice....LOL

I'm sure everyone bookmarked that "Jips Tips" post greenpea. but I've already got it copyrighted... so don't try anything funny.

Most people that know everything always want to give advice.... myself included

Good point. Who doesn't like to be helpful? I can help members out from time to time over on the Mazda MPV discussions. You sales guys here in "Smart Shoppers". But, I've noticed these "experts" you speak of rarely ask questions. So, I guess we'll have to exclude ourselves from that list.

bmmeup

Thank you for your posts Fandiguy. There is no shortage of "expert" consumers on these forums so I also appreciate what you contribute and the insight that you provide. Thanks again.

greanpea68

Carefull greanpea

I am only going on statistics here. The only titles to take longer than a week is a used car title.

Now granted I do know if a "CO" gets lost it is pain in the [non-permissible content removed] to get another one. But I'll take my chances

GP

greanpea68

Why doesn't the dealer put the car on a temp tag and send you on your way?


Wow.... You can't do that in Mass. It is illegal to deliver a car with out a title in Ma.

I would have to assume that in your state of Arizona it is legal from the your post. That would save moey in rental fees.

As I suggested earlier. If it is a used car they are going to have some profit in the deal if they are selling it before the title gets there. Other wise there is no reason to make a deal on it. If it was me and I have done this in the past.... you put the customer in a rental. 2 weeks would only cost your front end gross about $350. You are taking care of a customers transportation needs and you are pretty much keeping them commited to the deal :shades:

GP

greanpea68

If they are holding up the deal, because they don't have the title, then I'd go somewhere else..

kyfdx.... with all respect that is bad advice. The reason it is bad advice is because chances are this is a used car. We have discussed before, used cars are like snow flakes. No two are alike. Maybe he found the exact car he/she wants in perfect condition. It is not always the dealers fault if they don't get the title right away. Sure the title clerk at that dealer may have been slow at getting the payoff out to the bank.... but I highly doubt that because that is one there main responsibilties. Now the bank on the other hand may be lacsidaisle ( Where's Rich when I need him... any help here) and the bank is probably the reason for the hold up.

GP

houdini1

So you can sell it but not deliver it? I guess I don't understand the logic.

greanpea68

So, I guess we'll have to exclude ourselves from that list.


LOL

GP

mikefm58

You children all need some time in the time out corner. There's not one regular here who doesn't for the most part contribute to these forums, yet we've all had our "moments" at times. So let's all take a deep breath, be glad we don't work on Wall Street, and play nice.

oldfarmer50

"...are we getting jerked around..."

Boy, are you ever. I don't care what anyone else in here says. If a dealer can't produce a title at time of sale he shouldn't be offering the car for sale. This deal stinks. Walk. :mad: