Pissed off
 

Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
them to the finance dept. They told me that they do not really use them to
qualify for 0% financing. I argued with him to run it through Hyundai
Finance Corp which he said he did and I did not qualify. My fico scores were
1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
could get was 5.9% for 60 months. I figured he was being honest so I did the
paper work. I just recieved my new credit report and it shows that the
dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
he do this? Is it too late to complain?

Re: Pissed off
 

On Tue, 18 May 2004 11:15:00 -0400, "sonata32" <sonata32@nospam.cm>
wrote:

>Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
>them to the finance dept. They told me that they do not really use them to
>qualify for 0% financing. I argued with him to run it through Hyundai
>Finance Corp which he said he did and I did not qualify. My fico scores were
>1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
>could get was 5.9% for 60 months. I figured he was being honest so I did the
>paper work. I just recieved my new credit report and it shows that the
>dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
>he do this? Is it too late to complain?
>===================

Let's see now... A salesman sees a 'mark' walk in the door and
spins a tale. The ( ex-turnip truck ) mark buys the whole shebang
and now wants to know why he's paying more interest than 92% of
recent buyers, with good credit. The answer is: dealership gets
more money.

Is it too late to complain? No. Will it do any good? Won't lower
your payments...

S25

Re: Pissed off - really?
 

On Tue, 18 May 2004, S25 wrote:

> On Tue, 18 May 2004 11:15:00 -0400, "sonata32" <sonata32@nospam.cm>
> wrote:
>
> >Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
> >them to the finance dept. They told me that they do not really use them to
> >qualify for 0% financing. I argued with him to run it through Hyundai
> >Finance Corp which he said he did and I did not qualify. My fico scores were
> >1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
> >could get was 5.9% for 60 months. I figured he was being honest so I did the
> >paper work. I just recieved my new credit report and it shows that the
> >dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
> >he do this? Is it too late to complain?
> >===================
>
> Let's see now... A salesman sees a 'mark' walk in the door and
> spins a tale. The ( ex-turnip truck ) mark buys the whole shebang
> and now wants to know why he's paying more interest than 92% of
> recent buyers, with good credit. The answer is: dealership gets
> more money.
>
> Is it too late to complain? No. Will it do any good? Won't lower
> your payments...
>
> S25
>

I am currently paying 13.5 % interest to my dealer for my 2001 Accent GL
with 36,000 miles because I did not have any car buying history although
I have good credit history in other things. Your 5.9 % is nothing
compared to this. I'll be more than happy if I get your rate.

Sudip

Re: Pissed off - really?
 

"Sudip Bhattacharjee" <ciesudip@WPI.EDU> wrote in message
news:Pine.LNX.4.44.0405181546180.14876-100000@ccc7.wpi.edu...
> On Tue, 18 May 2004, S25 wrote:
>
> > On Tue, 18 May 2004 11:15:00 -0400, "sonata32" <sonata32@nospam.cm>
> > wrote:
> >
> > >Bought my 2003 Sonata gl last August. Brought my credit scores in and
shwed
> > >them to the finance dept. They told me that they do not really use them
to
> > >qualify for 0% financing. I argued with him to run it through Hyundai
> > >Finance Corp which he said he did and I did not qualify. My fico scores
were
> > >1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate
I
> > >could get was 5.9% for 60 months. I figured he was being honest so I
did the
> > >paper work. I just recieved my new credit report and it shows that the
> > >dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why
did
> > >he do this? Is it too late to complain?
> > >===================
> >
> > Let's see now... A salesman sees a 'mark' walk in the door and
> > spins a tale. The ( ex-turnip truck ) mark buys the whole shebang
> > and now wants to know why he's paying more interest than 92% of
> > recent buyers, with good credit. The answer is: dealership gets
> > more money.
> >
> > Is it too late to complain? No. Will it do any good? Won't lower
> > your payments...
> >
> > S25
> >
>
> I am currently paying 13.5 % interest to my dealer for my 2001 Accent GL
> with 36,000 miles because I did not have any car buying history although
> I have good credit history in other things. Your 5.9 % is nothing
> compared to this. I'll be more than happy if I get your rate.
>
> Sudip

Car buying history has nothing to do with your interest rate. You both were
duped. No flame intended there.
The finance company should have your credit history, along with your income
to debt ratio. Both of you should have walked out of the dealership. If I
were you all, then I would refinance. It would be preferable to refinance a
t a credit union since they traditionally give the best rates.
Would I complain? Yes, and vociferously. 13.5% is Usary in my opinion
unless you have bad credit.>

Re: Pissed off
 

>From: "sonata32"

>Why did
>he do this? Is it too late to complain?

I used to sell Chevys. Once sold a 1990 Cavalier for $17000 because the dope
customer didn't object. Next day sold a 1990 Berretta at invoice because the
customer said he would walk otherwise.
It's that simple folks.
I was not your friend.

Re: Pissed off - really?
 

Sudip Bhattacharjee wrote:
> On Tue, 18 May 2004, S25 wrote:
>
>
>>On Tue, 18 May 2004 11:15:00 -0400, "sonata32" <sonata32@nospam.cm>
>>wrote:
>>
>>
>>>Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
>>>them to the finance dept. They told me that they do not really use them to
>>>qualify for 0% financing. I argued with him to run it through Hyundai
>>>Finance Corp which he said he did and I did not qualify. My fico scores were
>>>1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
>>>could get was 5.9% for 60 months. I figured he was being honest so I did the
>>>paper work. I just recieved my new credit report and it shows that the
>>>dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
>>>he do this? Is it too late to complain?
>>>===================
>>
>> Let's see now... A salesman sees a 'mark' walk in the door and
>>spins a tale. The ( ex-turnip truck ) mark buys the whole shebang
>>and now wants to know why he's paying more interest than 92% of
>>recent buyers, with good credit. The answer is: dealership gets
>>more money.
>>
>> Is it too late to complain? No. Will it do any good? Won't lower
>>your payments...
>>
>> S25
>>
>
>
> I am currently paying 13.5 % interest to my dealer for my 2001 Accent GL
> with 36,000 miles because I did not have any car buying history although
> I have good credit history in other things. Your 5.9 % is nothing
> compared to this. I'll be more than happy if I get your rate.

Why don't you get a lower rate loan elsewhere and pay off the high rate
loan?

Re: Pissed off
 

sonata32 wrote:

> Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
> them to the finance dept. They told me that they do not really use them to
> qualify for 0% financing. I argued with him to run it through Hyundai
> Finance Corp which he said he did and I did not qualify. My fico scores were
> 1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
> could get was 5.9% for 60 months. I figured he was being honest so I did the
> paper work. I just recieved my new credit report and it shows that the
> dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
> he do this? Is it too late to complain?

It sounds like you got screwed by an unscrupulous dealer. By all means
complain to Hyundai.

Re: Pissed off - really?
 

On Wed, 19 May 2004, Nikoli Yetti wrote:

>
> "Sudip Bhattacharjee" <ciesudip@WPI.EDU> wrote in message
> news:Pine.LNX.4.44.0405181546180.14876-100000@ccc7.wpi.edu...
> > On Tue, 18 May 2004, S25 wrote:
> >
> > > On Tue, 18 May 2004 11:15:00 -0400, "sonata32" <sonata32@nospam.cm>
> > > wrote:
> > >
> > > >Bought my 2003 Sonata gl last August. Brought my credit scores in and
> shwed
> > > >them to the finance dept. They told me that they do not really use them
> to
> > > >qualify for 0% financing. I argued with him to run it through Hyundai
> > > >Finance Corp which he said he did and I did not qualify. My fico scores
> were
> > > >1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate
> I
> > > >could get was 5.9% for 60 months. I figured he was being honest so I
> did the
> > > >paper work. I just recieved my new credit report and it shows that the
> > > >dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why
> did
> > > >he do this? Is it too late to complain?
> > > >===================
> > >
> > > Let's see now... A salesman sees a 'mark' walk in the door and
> > > spins a tale. The ( ex-turnip truck ) mark buys the whole shebang
> > > and now wants to know why he's paying more interest than 92% of
> > > recent buyers, with good credit. The answer is: dealership gets
> > > more money.
> > >
> > > Is it too late to complain? No. Will it do any good? Won't lower
> > > your payments...
> > >
> > > S25
> > >
> >
> > I am currently paying 13.5 % interest to my dealer for my 2001 Accent GL
> > with 36,000 miles because I did not have any car buying history although
> > I have good credit history in other things. Your 5.9 % is nothing
> > compared to this. I'll be more than happy if I get your rate.
> >
> > Sudip
>
> Car buying history has nothing to do with your interest rate. You both were
> duped. No flame intended there.
> The finance company should have your credit history, along with your income
> to debt ratio. Both of you should have walked out of the dealership. If I
> were you all, then I would refinance. It would be preferable to refinance a
> t a credit union since they traditionally give the best rates.
> Would I complain? Yes, and vociferously. 13.5% is Usary in my opinion
> unless you have bad credit.>
>
>

I know I was duped. But i didnt have any choice. I didnt have any car, it
was my first car and I am new to this country. I had to trust them. Now I
am trying to get refinance with credit union. My lesson was car dealers
are cheaters.

Re: Pissed off
 

sonata32 wrote:
> Bought my 2003 Sonata gl last August. Brought my credit scores in and shwed
> them to the finance dept. They told me that they do not really use them to
> qualify for 0% financing. I argued with him to run it through Hyundai
> Finance Corp which he said he did and I did not qualify. My fico scores were
> 1)730 2)744 3)752 from all 3 credit agencies. He told me the best rate I
> could get was 5.9% for 60 months. I figured he was being honest so I did the
> paper work. I just recieved my new credit report and it shows that the
> dealer NEVER ran a credit check threw Hyundai Finance Corp at all. Why did
> he do this? Is it too late to complain?
>
>

Refinance is the answer. I just financed my POS Saturn L200 with
eloan.com and it was extremely painless plus I lowered my
interest rate a couple percent.

Re: Pissed off - really?
 

"Sudip Bhattacharjee" <ciesudip@WPI.EDU> wrote in message
news:Pine.LNX.4.44.0405191108360.23312-100000@ccc6.wpi.edu...
> On Wed, 19 May 2004, Nikoli Yetti wrote:
---smip---smip---snip---
> I know I was duped. But i didnt have any choice. I didnt have any car, it
> was my first car and I am new to this country. I had to trust them. Now I
> am trying to get refinance with credit union. My lesson was car dealers
> are cheaters.

You mean there are places in the world where they're not cheaters? I thought
it was a universal trait!

Re: Pissed off
 

On 19 May 2004 07:26:12 GMT, dreama0009@aol.com (Dreama 0009) wrote:

>>From: "sonata32"
>
>>Why did
>>he do this? Is it too late to complain?
>
>I used to sell Chevys. Once sold a 1990 Cavalier for $17000 because the dope
>customer didn't object. Next day sold a 1990 Berretta at invoice because the
>customer said he would walk otherwise.
>It's that simple folks.
>I was not your friend.

$17000 !! , he was a dope , I bought my 90 Cavalier for $8250 ! with
all the bells and whistles !

Re: Pissed off
 

On Thu, 20 May 2004, Mad Moe wrote:

> On 19 May 2004 07:26:12 GMT, dreama0009@aol.com (Dreama 0009) wrote:
>
> >>From: "sonata32"
> >
> >>Why did
> >>he do this? Is it too late to complain?
> >
> >I used to sell Chevys. Once sold a 1990 Cavalier for $17000 because the dope
> >customer didn't object. Next day sold a 1990 Berretta at invoice because the
> >customer said he would walk otherwise.
> >It's that simple folks.
> >I was not your friend.

So you deceited the customer. And you post that message in public forum.
Owaaoooo....!! Great person!

Re: Pissed off - really?
 

> You mean there are places in the world where they're not cheaters? I
thought
> it was a universal trait!

It is, but in many places around the world most people live their entire
life without ever dealing with one. Not that they don't want to...just
can't afford.

Re: Pissed off
 

File a consumer complaint with your State Attorney.

http://www.naag.org/