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Posted: 2/22/2017 3:27:20 PM EDT
[#1]
How far over the milage was op on the lease?
Why did he even turn it in? |
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Posted: 2/22/2017 3:27:40 PM EDT
[#2]
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well.
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Posted: 2/22/2017 3:27:42 PM EDT
[#3]
How can the stealership claim unjust enrichment when the Acura is gone? He doesn't have use of the car that he had before the stealership rescinded their deal.
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Posted: 2/22/2017 3:29:23 PM EDT
[#4]
Quote HistoryQuoted:
Rolls over the negative equity yet again. Finances minivan at 120k for 30 years. Lives in it. Quote HistoryQuoted:
Quoted:
Gets GF pregnant, has to trade truck in on minivan...  Rolls over the negative equity yet again. Finances minivan at 120k for 30 years. Lives in it.  Solid gold.
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Posted: 2/22/2017 3:29:29 PM EDT
[#5]
So where do we stand vehicle-wise now?
2016 Chevy 1500 +14K from Acura lease + tax/title to be financed for 72 months through GMAC at xx%????? |
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Posted: 2/22/2017 3:29:43 PM EDT
[#6]
Quote HistoryQuoted:
Congratulations! You are the first. It was suggested that OP rub aloe on the owners sunburn after he returns from his vacation. Yay! Should probably Piss on her to assert dominance as well. |
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Posted: 2/22/2017 3:30:41 PM EDT
[#7]
he needs to forget any lawyer talk right now! If he does lawyer talk,,,the dealer will just refer him to their lawyers and refuse to deal with him. I think you are forgetting also,,OP does not have an active lawyer. The only way out of this where OP does not go to court and cost himself more money,,is make a deal for a truck, using leverage of the lease to go for the 17. I even question sometimes if the dealership will think that is leverage, knowing they can sue. Their lawyers are already paid for so they have everything ($14000) to gain by going to court.
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Posted: 2/22/2017 3:31:35 PM EDT
[#8]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. 
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Posted: 2/22/2017 3:32:17 PM EDT
[#9]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. So will Acura give you the car back and let you resume the lease? |
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Posted: 2/22/2017 3:32:20 PM EDT
[#10]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. what! The acrua is yours again? If that is the case,,go get it and give back the truck! |
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Posted: 2/22/2017 3:32:40 PM EDT
[#11]
Quote HistoryQuoted:
How can the stealership claim unjust enrichment when the Acura is gone? He doesn't have use of the car that he had before the stealership rescinded their deal. Should have got it in writing that the account was closed. You are really bad at car buying. |
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Posted: 2/22/2017 3:32:52 PM EDT
[#12]
Quote HistoryQuoted:
The reason the original loan got approved is the dealer gave the bank some money to lower the interest rate. I can't prove what they did or didn't do but TMCC financed the loan and for the rate we originally agreed to. My suspicion is they never submitted the paperwork to TMCC and hoped I would take their subprime deal. I was young and didn't have much credit history but I had never missed a payment on anything and had financed a used car that was only about a year old. I really doubt they paid TMCC to lower my rate |
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Posted: 2/22/2017 3:33:22 PM EDT
[#13]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. That sucks. I'd call Acura and talk to a manager, explain the situation and try and get any penalties removed, pay your next payment, then I'd see if you can get the car back. The dealership may have been waiting to see if they could back the money out of Acura before moving forward. I'd get that lawyer on the horn again, then make a call to the AG. |
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Posted: 2/22/2017 3:33:42 PM EDT
[#14]
Quote HistoryQuoted:
what! The acrua is yours again? If that is the case,,go get it and give back the truck! And get back 1k down payment. |
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Posted: 2/22/2017 3:33:48 PM EDT
[#15]
Quote History<strong>Quoted:</strong>
what! The acrua is yours again? If that is the case,,go get it and give back the truck! Quote History<strong>Quoted:</strong>
<strong>Quoted:</strong>
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. <img src="http://www.ar15.com/images/smilies/icon_smile_angry.gif" /> what! The acrua is yours again? If that is the case,,go get it and give back the truck! Nope. The payment from the dealer was reversed, the early turn-in was not. OP now owes Acura $14k and his credit just got worse due to the late payment. |
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Posted: 2/22/2017 3:35:06 PM EDT
[#16]
So go return the truck get the Acura thank them for the free miles and go deal somewhere else maybe Your1saviour can help you out.
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Posted: 2/22/2017 3:36:17 PM EDT
[#17]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. And there it is. They just went in dry. |
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Posted: 2/22/2017 3:36:35 PM EDT
[#18]
Before you return the truck, you might do a stress test on it. I would like to know the absolute max that a half ton GMC will tow. Also, see if you can do any stunts with it, like get it up on 2 wheels, like the Saudi people like to do.
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Posted: 2/22/2017 3:36:55 PM EDT
[#19]
Quote HistoryQuoted:
I don't understand why you would want to continue to buy a car through them? get a ride down there, tell them you do not agree to the new terms, only what was in the original contract. Get a signed voided contract notification, ask for your Acura back so you can walk away. If they cannot provide the Acura, and it is confirmed that is closed out and paid for, tell them you will have their truck returned within the hour and all keys. Return the truck, tell them thank you for attempting to do business. And make a point to go shake hands with the sales manager and owner and give them a big smile and a wink, just so they know first hand how much you enjoyed fucking them 14,000 times. You should have done this days ago when you received confirmation from Acura that everything is closed out. I wouldn't care if they gave me a truck at half off, i'm not buying it. I wouldn't even buy a fucking gumball at the door side vending machine. The dealership will pursue OP if they cannot get the $1400 back. I would bet all the fine print on the back of the PO covers them in everyway possible. |
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Posted: 2/22/2017 3:38:16 PM EDT
[#20]
Quote HistoryQuoted:
Nope. The payment from the dealer was reversed, the early turn-in was not. OP now owes Acura $14k and his credit just got worse due to the late payment. Quote HistoryQuoted:
<strong>Quoted:</strong>
<strong>Quoted:</strong>
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. <img src="http://www.ar15.com/images/smilies/icon_smile_angry.gif" /> what! The acrua is yours again? If that is the case,,go get it and give back the truck! Nope. The payment from the dealer was reversed, the early turn-in was not. OP now owes Acura $14k and his credit just got worse due to the late payment. OP go get rid of that damn truck |
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Posted: 2/22/2017 3:38:17 PM EDT
[#21]
Quote HistoryQuoted:
he needs to forget any lawyer talk right now! If he does lawyer talk,,,the dealer will just refer him to their lawyers and refuse to deal with him. I think you are forgetting also,,OP does not have an active lawyer. The only way out of this where OP does not go to court and cost himself more money,,is make a deal for a truck, using leverage of the lease to go for the 17. I even question sometimes if the dealership will think that is leverage, knowing they can sue. Their lawyers are already paid for so they have everything ($14000) to gain by going to court. Many cases without black and white liability, and many with that too, will quickly rack up fees in excess of 14k. The OP can have his side wait out and make discovery requests with minimal work. The dealer will have a more significant burden. Cases of this value will settle. OP will likely need to put down a $3k+ retainer however that will all be used. That may be a good investment on $14k though. Especially if this takes a year or more to resolve, which it easily could. That way the OP can get a truck without the negative equity rolled into the loan. I still think that in the end, the original deal will be honored and is likely the cheapest solution for all parties. |
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Posted: 2/22/2017 3:38:33 PM EDT
[#22]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. If you make an immediate payment of 1 month, would you still get the 30 day late? Time to start working your way through Acura to see who has the vehicle and if you can get it back. |
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Posted: 2/22/2017 3:38:49 PM EDT
[#23]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. I really hope that you've been talking to a competent lawyer who you have on retainer now and not just posting on here. |
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Posted: 2/22/2017 3:40:03 PM EDT
[#24]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. Best news yet. Take truck back, get Acura, take $1000 down payment and buy a small utility trailer. Your troubles are gone... |
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Posted: 2/22/2017 3:41:37 PM EDT
[#25]
OP is truley fucked, if he has not hired a lawyer.
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Posted: 2/22/2017 3:43:25 PM EDT
[#26]
Quote HistoryQuoted:
How can the stealership claim unjust enrichment when the Acura is gone? He doesn't have use of the car that he had before the stealership rescinded their deal. As it appears that the dealership got their $14k back, it doesn't matter now. However, to answer your question, had the dealership paid off the Acura for OP, then OP had benefited to the extend he would no longer be upside down in that vehicle. To get out of a lease early, there are 2 ways. You can buy the vehicle from the leasing company or you can make all the remaining payments. It must have been cheaper to make the remaining payments than to buy and resell the vehicle. As OP had a vehicle worth at least $14k less than what it would have cost to buy, the fact he is out from that debt is a benefit. |
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Posted: 2/22/2017 3:44:32 PM EDT
[#27]
Quote HistoryQuoted:
I can't prove what they did or didn't do but TMCC financed the loan and for the rate we originally agreed to. My suspicion is they never submitted the paperwork to TMCC and hoped I would take their subprime deal. I was young and didn't have much credit history but I had never missed a payment on anything and had financed a used car that was only about a year old. I really doubt they paid TMCC to lower my rate Quote HistoryQuoted:
Quoted:
The reason the original loan got approved is the dealer gave the bank some money to lower the interest rate. I can't prove what they did or didn't do but TMCC financed the loan and for the rate we originally agreed to. My suspicion is they never submitted the paperwork to TMCC and hoped I would take their subprime deal. I was young and didn't have much credit history but I had never missed a payment on anything and had financed a used car that was only about a year old. I really doubt they paid TMCC to lower my rate Taking advantage of you is certainly a possibility. |
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Posted: 2/22/2017 3:44:36 PM EDT
[#28]
Quote HistoryQuoted:
Best news yet. Take truck back, get Acura, take $1000 down payment and buy a small utility trailer. Your troubles are gone... Acura was already turned in. It would be a miracle if it were still on the lot. The Leasing Companies dump those real quick at auction. |
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Posted: 2/22/2017 3:45:16 PM EDT
[#29]
Clusterfuck is all that comes to mind after reading the entire thread, probably the first time I've ever read an entire thread.
Curious how this plays out with the payment to Acura being reversed now, what happens if they cant get OP his car back? |
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Posted: 2/22/2017 3:48:01 PM EDT
[#30]
Quote HistoryQuoted:
Clusterfuck is all that comes to mind after reading the entire thread, probably the first time I've ever read an entire thread.
Curious how this plays out with the payment to Acura being reversed now, what happens if they cant get OP his car back? The way he just compounds one bad purchase into another? OP buys a Chevy Cobalt, for $64,000.00 at 22% APR, financed for 9-years. |
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Posted: 2/22/2017 3:49:41 PM EDT
[#31]
Quote HistoryQuoted:
Clusterfuck is all that comes to mind after reading the entire thread, probably the first time I've ever read an entire thread.
Curious how this plays out with the payment to Acura being reversed now, what happens if they cant get OP his car back? Agreed... Why do I feel like this is going to be the most epic "SAFE" thread ever? |
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Posted: 2/22/2017 3:51:54 PM EDT
[#32]
Quote HistoryQuoted:
Agreed... Why do I feel like this is going to be the most epic "SAFE" thread ever? so much has already been revealed! |
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Posted: 2/22/2017 3:54:29 PM EDT
[#33]
Quote HistoryQuoted:
Well I just checked my Acura account and they reversed the payment, so now I can look forward to a 30 day late as well. But they already released you free & clear in writing... Now you need to call them & tell them to return the car... |
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Posted: 2/22/2017 3:57:06 PM EDT
[#34]
Quote HistoryQuoted:
And there it is. They just went in dry. Yeah, no kidding. Man, what a nightmare. |
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Posted: 2/22/2017 3:57:48 PM EDT
[#35]
Quote HistoryQuoted:
But they already released you free & clear in writing... Now you need to call them & tell them to return the car... Or make sure they have your new bank account of where to send the reversed payment to. 
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Posted: 2/22/2017 3:58:40 PM EDT
[#36]
I have a feeling the op is double fucked now. The dealer is going to process the loan now and he is going to be on the hook for a lump sum payment of $14k to acura and the agreed upon payments on the truck. Dealer got their $14k back now they arent going to help the op out at all. You had the chance to use some lube, now they are gonna go in dry. I think op blew it.
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Posted: 2/22/2017 3:59:17 PM EDT
[#37]
Quote HistoryQuoted:
Clusterfuck is all that comes to mind after reading the entire thread, probably the first time I've ever read an entire thread.
Curious how this plays out with the payment to Acura being reversed now, what happens if they cant get OP his car back? Now he has to fight with them or they wreck his credit (if it isn't already wrecked). |
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Posted: 2/22/2017 4:00:56 PM EDT
[#38]
Honda finance told me if I make the payment they won't report as late, so there is a small win for me. Told me to call the dealer to see if I can get the car back. Acura dealer guy came off like it wasn't his problem (which it isn't), but is going to look into it. Said he thinks it was grounded already. Also said "off the record it sounds like the Chevy dealer just stole $14,000 from you".
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Posted: 2/22/2017 4:04:10 PM EDT
[#39]
Quote HistoryQuoted:
Clusterfuck is all that comes to mind after reading the entire thread, probably the first time I've ever read an entire thread.
Curious how this plays out with the payment to Acura being reversed now, what happens if they cant get OP his car back? Alert the media? Besides a competent lawyer, I doubt he has much more than bad publicity. |
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Posted: 2/22/2017 4:09:13 PM EDT
[#40]
Quote HistoryQuoted:
I have a feeling the op is double fucked now. The dealer is going to process the loan now and he is going to be on the hook for a lump sum payment of $14k to acura and the agreed upon payments on the truck. Dealer got their $14k back now they arent going to help the op out at all. You had the chance to use some lube, now they are gonna go in dry. I think op blew it. you think the bank will approve it now that he has another $14K debt? |
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Posted: 2/22/2017 4:09:41 PM EDT
[#41]
Called the State's Atty. Gen. yet?
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Posted: 2/22/2017 4:09:49 PM EDT
[#42]
Link to Yelp review?
I would think a complaint to the states attorney general would be in order. |
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Posted: 2/22/2017 4:10:17 PM EDT
[#43]
Either way this doesn't make much difference assuming he gets his 1k back.
Go to a different dealer, buy a truck and roll the 14k into that one instead. |
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Posted: 2/22/2017 4:11:24 PM EDT
[#44]
Quote HistoryQuoted:
Honda finance told me if I make the payment they won't report as late, so there is a small win for me. Told me to call the dealer to see if I can get the car back. Acura dealer guy came off like it wasn't his problem (which it isn't), but is going to look into it. Said he thinks it was grounded already. Also said "off the record it sounds like the Chevy dealer just stole $14,000 from you". Go get your Acura back, leave the Chevy at the Acura dealer, tell the Chevy dealer where they can pick up their truck, reverse the $1K charge on the down-payment, find a new dealer... |
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Posted: 2/22/2017 4:11:32 PM EDT
[#45]
I still say burn the place down.
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Posted: 2/22/2017 4:15:05 PM EDT
[#46]
Quote HistoryQuoted:
Called the State's Atty. Gen. yet? Yeah, and I get someone telling me to go online and fill out a complaint form so they can investigate. It is on my to do list. |
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Posted: 2/22/2017 4:15:35 PM EDT
[#47]
Since the deal has not been officially closed I wonder if OP can still cancel under IL's three day right of recision law?
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Posted: 2/22/2017 4:18:14 PM EDT
[#48]
Quote HistoryQuoted:
Since the deal has not been officially closed I wonder if OP can still cancel under IL's three day right of recision law? That's not the problem, I'm sure the dealer would be more than happy to see the south end of the OP headed northbound. The problem is that the Acura may be long gone since it was turned in weeks ago. |
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Posted: 2/22/2017 4:21:15 PM EDT
[#49]
Quote HistoryQuoted:
Alert the media? Besides a competent lawyer, I doubt he has much more than bad publicity. All of the Al Piemonte dealerships are well known for being shady as shit throughout the state. The local news reporting on it won't do much to hurt them or their reputation. A very large portion of their business is with people that buy new and used cars with 20% interests rates. They were shady as fuck when Al owned them but they became even shadier when he died and his step son took over. |
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Posted: 2/22/2017 4:22:02 PM EDT
[#50]
Quote HistoryQuoted:
Link to Yelp review? I would think a complaint to the states attorney general would be in order. |
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