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Old 12-28-2012, 04:22 PM   #61
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Originally Posted by watson View Post
It's simply not realistic for most people to purchase a vehicle with cash.
Nowdays, any significant cash purchase usually beings folks with uniforms...and dogs.

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Old 12-28-2012, 05:09 PM   #62
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Originally Posted by Rondondo
Save your money and simply buy your vehicles for cash and you'll see that interest rates, credit scores and many other things have little meaning in your life.
This makes great sense. Thanks for your insightful input! I think I will follow your recommendation fir my next purchase, but I will use Gold bullion instead.

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Old 12-28-2012, 05:13 PM   #63
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Fraud by your dealer.

So several years ago being a northern boy living in Alabama, a car dealer sold me a car and told me it had Air conditioning. I believed him, bought the car and then spent the rest of the day trying to figure it out (never had a car with air conditioning). Guess what no Air conditioning. I went back to the dealer and they told me I didn't know how to turn it on. They then were miffed that it came with no air conditioning. I ask to return it, they said no. Asked them to fix, they said no.

Went to a lawyer, he wrote a letter to the dealership and two weeks latter, they installed air conditioning and gave me and my lawyer a $6,000 check. Never let a dealer bully you is what my lawyer said, in a law suit when it goes to a jury everyone knows that dealers lie and cheat and most want to get even for a good deal they got that wasn't so good.
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Old 12-28-2012, 05:53 PM   #64
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If you bought the Jeep 4 months ago what happened that caused you to become unhappy with the contract now?
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Old 12-28-2012, 06:00 PM   #65
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It's simply not realistic for most people to purchase a vehicle with cash.
I disagree... It's unrealistic to you because you feel like you have to keep up with the Jones'... I'm not ripping on you-- that's actually how most Americans think. I didn't buy mine in cash, but I put down 50 percent, and I still feel like I'm compromising my principles for not simply buying it in cash.

If you pay for things in cash, credit scores mean absolutely nothing.
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Old 12-28-2012, 06:19 PM   #66
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Most everyone on this board has to have a decent credit score to buy a house or rent appropriate housing. Few are wealthy enough to not need a decent credit score. The Dave Ramsey stuff isn't relevant to the OP's dilemma.
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Old 12-28-2012, 06:29 PM   #67
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If you bought the Jeep 4 months ago what happened that caused you to become unhappy with the contract now?
Agreed...
Being that the Jeep was purchased 4 months ago...it is pretty late in the game to complain now.

Live and learn.....
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Old 12-28-2012, 06:35 PM   #68
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Not buying a warranty will not cause your interest rate to raise at all.
Not true technically. My Jeep is financed. I had the money to buy it outright, but at the rate I got, it was free money, so I took the money. My rate was 2.9%. As soon as I bought the extended warranty, the rate dropped .5% because buying an extended warranty tells the bank you are "taking care of their property" for which they reward you with a lower rate. So you are right, it won't RAISE your rate, but if you DO buy it, it will DROP your rate.
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Old 12-28-2012, 06:36 PM   #69
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You have been screwed, and it is illegal , take all your documents to a lawyer and they can help you out.
Illegal? What law did they break? They presented him with a ridiculous offer. The OP looked at the papers and offer, then signed them. Other than being douchebags, I don't see any laws the dealer broke. Sorry OP.
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Old 12-28-2012, 06:43 PM   #70
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Originally Posted by JKASS

This makes great sense. Thanks for your insightful input! I think I will follow your recommendation fir my next purchase, but I will use Gold bullion instead.
Makes perfect sense, drive a beater a few years, save the money you would spend on payments and pay cash, only reason it's hard is the gotta have it now mentality, don't charge anything and budget every dollar and will be surprised how far a paycheck can go. I fell victim to that with my jeep, have only a mortgage payment and fell in love, did not have all the money saved so I financed, good thing is I can pay it off within a year. Paying financing charges is referred to as stupid tax, but we all have done it. Check a read by Dave Ramsey "Total money makeover" will change your family tree.
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Old 12-28-2012, 07:04 PM   #71
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IF you "lawyer up" and they find out, then the dealership will ABSOLUTELY stop talking to you and all communication will be done through the attnys.

Simple....take all of your docs, make copies of EVERTHING, and personally walk into your local BBB and file a complaint. They really will be able to get answers that you can't get, and probably get this resolved to your satisfaction. In addition to filing a complaint with the BBB, send a copy of the filed complaint (paper copy) to Jeep Corporate.
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Old 12-28-2012, 07:05 PM   #72
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A couple of important points.

Don't bother to sit down with the managers and try to have a "peaceful resolution". Why? They are professionals at what they are doing and you are not. They have strategies for dealing with remorseful buyers and you have no bargaining power now. Remember, they have your money in their pockets and now it is their money - they are not inclined to surrender it.

There are a small number of BBB member businesses with tons of negative ratings and as long as they continue to pay dues into the BBB, that is effectively the end of the process and they still can put the BBB sticker on their door and use it in advertising.

See an attorney now and find out what options and recourse you may have. Not doing so is potentially costing you thousands of dollars if you screw it up on your own.
If you are unhappy, start posting reviews online. There's Google Local, Foursquare tips, DealerRater, Yelp, Angie's List, Twitter, Facebook groups, and maybe others. I don't know anyone that checks the BBB grades except to complain, but social media does reach.
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Old 12-28-2012, 07:59 PM   #73
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If the sales contract clearly defines what extras you are purchasing, there isn't much a lawyer can do. It isn't up to the salesperson to protect your wallet. Even if he failed to mention it, you failed to see it and question it. I don't necessarily fault the dealer for the cost of the insurance.

Get your credit for the extended warranty and be done with it. Count it as a lesson learned for the next car buying experience.
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Old 12-28-2012, 08:02 PM   #74
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I was deceived by a woman once. Still steamed about it...
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Old 12-28-2012, 08:06 PM   #75
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I was deceived by a woman once. Still steamed about it...
Was she not really a woman?
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Old 12-28-2012, 08:25 PM   #76
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Call the better business bureau
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Old 12-28-2012, 08:26 PM   #77
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Was she not really a woman?


Had that been the case, I'd have used a stronger word than "steamed."
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Old 12-28-2012, 08:31 PM   #78
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did you not get a long print out that had every little charge on it front title/tax/vehicle purchase/trade in. My dealer had me initial next to everything on the charge list, circle the total and sign/date. Something like this probably happened to them.
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Old 12-28-2012, 08:59 PM   #79
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It's idiots like that and all the talk that gives what I do for a living a bad name. At no point in time does buying or not buying a warranty affect anything about an interest rate. Saying that is just wrong. There is a reason everyone has to sign an optional product disclosure. For just these cases. Just makes me mad.
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Old 12-28-2012, 09:09 PM   #80
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It's simply not realistic for most people to purchase a vehicle with cash.
Keeping that mindset will surely make it a reality for you.
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Old 12-28-2012, 09:11 PM   #81
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Originally Posted by Vroooom View Post
Nowdays, any significant cash purchase usually beings folks with uniforms...and dogs.
I use the term "cash" as in meaning writing a check that you have the money to cover it in the bank. I surely didn't advise walking into the dealership with a sack of Benji's. That would look odd indeed and raise eyebrows!
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Old 12-28-2012, 09:15 PM   #82
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Makes perfect sense, drive a beater a few years, save the money you would spend on payments and pay cash, only reason it's hard is the gotta have it now mentality, don't charge anything and budget every dollar and will be surprised how far a paycheck can go. I fell victim to that with my jeep, have only a mortgage payment and fell in love, did not have all the money saved so I financed, good thing is I can pay it off within a year. Paying financing charges is referred to as stupid tax, but we all have done it. Check a read by Dave Ramsey "Total money makeover" will change your family tree.
Amen my brother!
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Old 12-28-2012, 09:28 PM   #83
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Insurance doesn't matter if there is a gap though... If your down payment was small, then getting the gap ins. was a good idea.
No need to get GAP insurance, regardless, if insuring through Metlife.
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Old 12-28-2012, 09:43 PM   #84
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You can certainly get advice from a lawyer, but you are 4 months post-purchase. Most insurance companies are required to give you at least a 7 day 'lookiloo' where you can walk away without penalty. Your state regulator will be able to tell you what the rules are in your situation.

For the interest rate... well... you signed the sales agreement. We've all been there... underinformed and falling for the 'this is the LAST ONE!' line. Being a sleeze-bag is not necessarily against the law. You can try get a cheaper rate somewhere else, but that is going to be tough... The best rates for new are the dealer incentive rates... you are now going to be dealing with retail finance rules and while you might save a percent or two, there is not going to be any 0.9% financing...

Live and learn...
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Old 12-28-2012, 09:52 PM   #85
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I wonder how many people here paid for their first house in cash. Hypocrites.
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Old 12-28-2012, 09:56 PM   #86
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Not true technically. My Jeep is financed. I had the money to buy it outright, but at the rate I got, it was free money, so I took the money. My rate was 2.9%. As soon as I bought the extended warranty, the rate dropped .5% because buying an extended warranty tells the bank you are "taking care of their property" for which they reward you with a lower rate. So you are right, it won't RAISE your rate, but if you DO buy it, it will DROP your rate.
Wow... that is fantastically absurd advice... The reason you got a better rate has nothing to do with 'taking care' of anything. Extended warranties have great markup... at least 100%. So, the dealer who sells a $2200 warranty is pocketing $1100. The dealer can do what they want with that markup... they can bait you with accessories, or use part of that to buy down your interest rate. In effect, they pre-pay a portion of your interest.

To make it more complicated, the finance people ALSO offer kickbacks. On a $30,000 vehicle, if they get you retail financed, they might get $500-$1000 back from the finance company. Again - they can do what they want with their profit... if they want to roll that back into an incentive for you, they can.

Here is an absurd example of what I mean... I bought my 2009 used from a private sale - but I had been working with a dealer to try find one as well. What he wanted to do with the Jeep I found is buy it himself (dealer) and sell it to me - financed at their retail rate. Immediately after, I would pay off the loan (I had the money). What would I get? Free extended warranty! How? He get's $1000+ kickback from the finance company, he can sell me a warranty at cost, and still pocket $500.

Of course, the finance company is the one that gets screwed when you pay out a loan early (if they pay kickbacks to the dealership).

How do you think dealerships can sell 'below invoice'? Funny accounting... and, most vehicles come with a 'lot pack' Straight cash from the manufacturer for each new vehicle they sell. It can be $500 to $5000 a vehicle (usually <> $1000). Of Canadian dealers I have dealt with, they won't go for less than $500 'real money' profit on a sale. ie... their cost. That's why making another $2000 or more on warranty, paint protection, whatever - can quadruple their profit.

Keep on driving... right off that fiscal cliff you got going on there...
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Old 12-28-2012, 09:57 PM   #87
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Worst case scenario is that you shop around for another bank or lender and refinance your jeep.

Secondly the extended warranty should be able to be prorated so that you could potentially get a return for the remainder of the warranty. If you are ever getting a warranty make sure its a Chrysler warranty. I am not familiar with the warranty you mention.

Thirdly the GAP insurance is prorated as well. You will have to work with the dealer you originally purchased the vehicle from and they MUST give you a return on the gap insurance not used, its the law.

The reason they wanted to cram the warranty on you was that they saw how much you were approved for. Always nail down a price before allowing them to run your credit as well. If the jeep was 30K and they saw you were approved for 40 lets say they are going to fill the 10k gap as much as possible by asking you what you what your payment to be. If you give them a dollar (you never should) amount they will jack interest rates up because if you were approved for 6% and they can squeeze 2% out of you it goes directly in their pocket. Gap insurance on a 30K vehicle costs the dealer about 100 bucks. I normally tell them I will give them 25 bucks above cost to file it or I walk. Make the F&I guy show you the cost. If they wont show you then walk.

You have learned the hard way that a dealer can present you with completely crazy stuff and as long as you sign it its legal.

Like I said I doubt they will work with you on this so I would find another bank and get everything back that you can.

My family owned a dealer for years and we prided ourselves on being honest and upfront on these costs and being fair. What did it get us? Customers that loved us but we could pay the bill and closed when the big dealers moved in and made people feel good about getting screwed.
Boom, exactly
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Old 12-28-2012, 09:59 PM   #88
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This thread is too funny.
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Old 12-28-2012, 10:26 PM   #89
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This thread makes me sick if this really happened to someone. I guess growing up with parents who warned me of this kind of stuff saved me. I had a great experience with my Jeep dealer but still took my time and read everything and made sure I understood it all. If I didn't, I asked. They still played the games; trade in nonsense, price, etc. That's their job, it's our job to look out for us. I even did my their math on my phone calculator, can't trust them as far as I can throw them.

OP needs to talk to them, call whoever or lawyer up. Sad they take advantage but that's the business. Thank God I never sold cars.
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Old 12-28-2012, 11:02 PM   #90
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Illegal? What law did they break? They presented him with a ridiculous offer. The OP looked at the papers and offer, then signed them. Other than being douchebags, I don't see any laws the dealer broke. Sorry OP.
Unless the OP was under the age of 18 he signed a contract presented by the dealer. Nothing illegal on the dealers part. Shady? Yes. Unfortunately its not illegal to be a D bag!

This probably happens thousands of times a day!

Also need to correct my earlier post. 2.4 not 3.4 for 60 months for me. My wife handles the paperwork and I had to ask her.

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