Well, I got royally screwed by Burien Toyota/Scion this morning. As of 12noon. I do not have the car and at this point probably will not unless I decide to go ahead and file a suit against TCS and Burien Toyota and file a claim to Burien PD that I was forced to turn over the key to the xA.

What has happened is that they (Burien Toyota) gave me the keys, filled out the contact completely, was ok'ed through Fi. and then the past 3 days have now started calling, wanting the car back because my loan was "declined" after being "approved".

I was fully approved for everything *no pre-approval was said to me at all* Was told all I needed was $200 to put down, the car would be mine. However this didn't happen....

Now to make things more interesting... The Scion Manger at Burien Toyota (Ted) was a total liar and _______... He lied saying all I had to do was come in and sign something letting me keep the car, however that was not the situation as when he got into the office, the first words out of his mouth was "Do you have a Co-Signer?" I simply replied no, you told me that it was not needed or required, all I needed to do was sign one single paper and I was done and takin' care of. He asked me to turn over the keys, I originally refused told him I would call the police if he tried to force it upon himself to do so. He told me he would do it himself if it was needed however never did and just used a car to block the xA in. So to shorten up this long winded I got told a bunch of Bull____, Anthony (Sales Manager) tried to push another car on me that has already been "approved"

Now to make more matters worse, I am totally screwed over and I may possibly be fired from work on top of this because my other car is sold...which means no wheels at all to get to and from work...

So there is my short story to a rather long day...

Will I buy another Scion? not sure.. probably...

But I will always from this point forward never recommend anybody to Burien Toyota.. They'll cheat you out hard core and the Sales guys besides Keir are nice... most are bs'ers trying to get money...

Monday will be a busy day for me... Get to file a report to the BBB and also a lengthly letter to Scion regarding what has all happened.

 

Ooh yeah, forgot to mention that Ted being the excellent guy that he is... after getting off the phone with my gf's roommate, bluntly called her under his breath but loud enough so that me and Turena heard him a "f'ing *****"

Well done by him.

That is all

 

don't understand why you went back to them if you had bank papers (loan papers) that were all verified....
the dealer chaught a mistake and made you pay for it...

i would talk to a layer on this one....
you have legal papers, find out from the bank what happened and try to get your car back.

 

I called Toyota Fi. and they have no record of me what so ever... which means they didn't even submit anything to them......

 

But there are thousands of banks out there that they can deal with aside from toyota FI.

 

omg... sorry to hear that man..

 

Oh yeah I know that, that is the bank they told me they were going through unless they lied about that as well....

 

let me put alittle bit of light on the subject since i work for toyot/scion. bushing law in the state of wa says the dealer has 3 business days to lock in the contract as signed by the borrower and the dealer. if they can not get it bought they have to call you a dn let you know they you have to come back to the store and they have tendered back any down paymetns or trades involved. they can also tell you its not bought yet but they are willling to keep trying to get the deal done. as long as they have been in touch with you. toytoa fi will not have any info on you since it goes to a local toyota office first for the financing to be completed and funded then it is sent to toyota fi corporate where your loan is entered into the system and then given a loan or account number. the reason toyota fi told you they havent seen it yet is the fact that is has not been funded yet. you will be sent letters by law form the financing institutions that have declined you. know the law and your rights before your try to fry the dealer. im not taking any sides just trying to educate you all on the process. i can not speak for either side since i was not part of your discussions with them.

 

I have always been told in the car buying industry as well as banking industry that once you sign the papers, the dealership or bank has 3 business days to cancel the transaction, that they only have 3 business days to change the contract in any way.

When we bought my tC, I was one point shy on my credit score of being out of the top bracket with Toyota Financial and this was with TransUnion which most lending companies don't even use. The dealership told me straight up that they only had 3 days to get it approved with the lower intrest rate which is the contract that I signed. They never called so it's financed with the lower rate.

Like someone else said, it sounds like someone made a mistake somewhere and now they have caught it. I would definately talk to a lawyer about this. Plus if they are in the right and can take your car, they should either refund or give you a car equal to the value of your car that you traded. You shouldn't lose out on that since they messed up!

Keep us posted. I'll talk to one of my customer's at work who works at a dealership and see what he says about the whole situtaion and what you should/can do.

Good luck to you Brian!

evette

 

3 days? So why has it took 12 days to get to this point? I'm aware of the laws and very much aware of how it all goes down in financing. I talked to the regional office and corp. offices for Toyota Fi. and they all have no record of Burien Toyota submitting anything about me. That is the reason why I am now raising so many questions to what they did.

 

Thanks Evette... I'll keep you posted....

I need to go up there and get my Digital Camera.... Forgot it in the car after they dropped me and Turena off...

 

keep all the paper work you have for this...
anything the daeler gave you, any thing that you signed...keep it all.

check your credit...if the dealer did anything it would be there too....

 

holly crap I am so so sorry to hear they screwed you like that! I will never recomend them again.

 

Wow...... dude...that sux a$$..... hopefully things will resolve for the better.... granted i bet ya wont recomend them again... but hopefully you'll get your wheels back......

 

Eh.. only way to get it back would be via a co-signer.. nobody wants to do it.. So I told them to just forget about it...

When I'll get another one is probably sometime out.. I'm looking at getting a used Rolla, Camry or a Focus.. we'll see....

I won't be posting all that much.. still to damn depressed about the entire situation.

 

Thanks for the move?

 

I'm going to explain a few things, but don't think I am defending the deaelrship in question. At the very least, they treated you badly. The bad news is though, you don't have a lot of recourse. Let me explain a few things.

1. There is no such thing as a "pre-approval." Well, there may be, but its so rare that you just don't see them. What you normally see is something called a pre-approval, but if you look at the fine print, you see that they approve you until they see the actual deal and then decide if it is approved or not.

2. You probably signed something called a MacArthur Statement or conditioned contract statement. What it says is that you agree to return the car in the event that they don't get the loan approved. Most will say that you will be liable for "excess wear" to the car in that time.

3. The three day thing is a myth in most states. There may be some that have a recision time, but most don't and most consumers and even some lawyers are unaware of this. If the contract is signed in the dealership, there is no right of recision on your part. There is also not a set time for getting a loan approved in most states. The credit application you signed is good for 30 days so that's how long they have to get the deal funded.

4. Dealers frequently get loans declined on the first attempt. We often have to go back and "re-hash" the deal to try to get the deal bought. If the wrong guy is on vacation or a good game of phone tag ensues, it can often take more than a week to get a final up or down decision.

5. If you get turned down by TFS at one dealership, you can't get it approved at another dealership unless the terms of the deal change substantially such as a big increase in down payment or the addition of a co-signer. Also, after 30 days the approval is no good anyway so another dealer could re-hash at that point.

From your side of the story, here are the things the dealer did wrong:

1. They didn't inform you that the deal was not approved before you took delivery.

2. They didn't talk to you prior to your coming in about the actual situation. They should have talked to you the next day and told you that you might need a cosigner or more down payment money.

3. They lied to get you to bring the car back. I've had to do that once, but that was after repeated attempts to get the customer to voluntarily return the car.

This sounds like a messed up deal from top to bottom. Unfortunately, if you signed the conditioned contract statement, you don't have much to stand on. I hope you can work something out with another dealership.

 

wow, did you have a cramp after that Cliffy1? or did you do it in shifts? That is alot of help, and I am sure everybody, including myslef, appreciated that, but wow, thats the longest post I have seen! I am sorry to hear about that Macster, I am lucky I had a cosigner I guess, I am here pulling for you, after all, we are all in this life together.

 

I'm pulling for you man and I understand where you are coming from.

My two big questions are: Did you trade in your old car? And if so, if the deal was not approved, how could they legally sell it?

The vehicle is not theirs unless they fulfill THEIR part of the contract. So they need to get your vehicle back for you. I personally would not have given the keys back until I had my vehicle. Very low of them.

 

The way I read it, he sold his old car outside the deal. If it was part of the deal, the dealer actually could legally keep it if the "conditioned contract" statement was signed. That statement usually says the dealer retains the right to your trade and lists the price at which they can buy it. I don't know of a single case that this has ever been used, but its part of that statement.

I once had a deal fall apart and my used car department had already shipped the car down to Florida. My used car manager was a bit over-eager and wasn't suposed to do that. Legally, we could have told the customer to get bent and gave him the cash for the car. We had to pay a trucking company to return the car.