| rev:text
| - I had an appointment on 12/11 with Dan, a friend of a friend.
I explained my credit; Dan did a credit check, no problem. Approved! Rate was high, but lower than I expected.
We picked out a car, crunched numbers and the deal came to about $370/month after all the fees and tax. I told him 2-3 times that I didn't want to take the car home until there was a 100% sure deal. He repeatedly reassured me I was good to go.
Dan explained that he is going to have me meet and sign the paperwork with Rob S. in finance. He told me Rob was great and knows that my budget is strict so he won't sell me anything that I don't need. Perfect!
So I meet Rob and he sells me GAP insurance. I was ok with that. It was only $305 so would only add another $6-7 to my monthly payment. In talking to Rob I repeatedly brought up the quoted monthly payment on the car and Rob agreed. Then once GAP was added I REPEATEDLY said that will bring the payment up to around $380. He again agreed each time. In the course of talking to him, I told him OVER AND OVER that I was concerned about the financing and didn't want to take the care home with out it being final. He told me there was nothing to worry about; he wouldn't let me take it if he was at all concerned that there would be an issue. I told him 11 times that I was concerned about the car and 11 times he reassured me not to worry.
So we went over the paperwork.
Rob breezed through the paperwork with me. Didn't go over details with me, I didn't question him, I felt I had been assured and educated enough at that point to know what I was signing. Keep in mind that with GAP insurance, taxes and fees, that I was expecting to be paying around $380 a month for 60 months.
So all is signed and Rob tells me TWICE that he will call me Tuesday to finalize the dear. So I leave in the car. On Monday I fax him requested documents and he confirmed he received them - but never calls. Thursday I email him, mildly annoyed at this point. He tells me he'll check on things and will call me Friday afternoon.
Friday, then the weekend comes and goes. No word from Rob.
I email him on Monday (I have had the car 8 days now) pretty irritated at this point. He replies saying the deal had been declined. But they were trying to package the loan somehow to get another bank to approve it. Wait, I was told that it was a sure deal. They're not coming back with a higher rate; they're coming back with an outright denial? He says they're working on something and he will get back to me in a week or so.
Next day someone calls - they have a deal - he doesn't know the terms of the deal.
I call Rob - he doesn't know the terms of the deal, tells me to call Alex.
I call Alex - Alex doesn't know anything. Asks me why I was told to call him. Says he will find out and call me in 15 min
Dan calls - tells me I was approved but doesn't know the terms of the deal. Asks when I am going to come in so he can be there.
I call back leave a message for Alex. Rick calls me back. Finally someone knows the term. It took me talking to 5 people to find out the terms.
The next day before going to make a new deal, I read over all my paperwork. I notice the monthly payment I agreed to (the one Rob skipped over) was $80 HIGHER than we had repeatedly discussed. There were add-ons for seat protection etc. I call and set up and appointment to meet with the GM. I was told he would call me to confirm. He doesn't. I show up to meet with him and get told he will meet with me shortly. He doesn't. After 10 minutes two boys (early 20s?) come over and introduce themselves. I explain I wasn't here to talk to them I was waiting for the GM. They go to find him. He never shows his face. The General Sales Manager finally comes to talk to me. He looks concerned after I spill over every detail (like I am here) but never once apologizes. Introduces me to Rick, doesn't tell him anything we just talked about other than I was upset.
He text messages me the next day saying the approval is done at an even higher rate! That is 3 different rates I was given, 2 of them in less than 24 hrs from the same lender? They increased my rate by over 7%. Rick also never apologizes. Tells me he did the best he could. I ask how the rate changed within 24 hours. He never responded back.
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