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Need help with a Ford dealer.

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Old 08-01-07, 04:23 PM
  #1  
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Need help with a Ford dealer.

A very young lady who works for me, who is also pregnant, and a single mother recently purchased a car at a Local Ford dealer. This young lady had made a "new" boyfriend who signed her paper work, and then absconeded. The result is she's stuck with a 560 dollar per month car payment on a very limited income.

Does anyone have any good email address for Ford Motor Corperation? I'd like to chat with them about what has been done.
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Old 08-01-07, 04:31 PM
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What good does it do talking with Ford? They manufacture cars and independent dealers sell them.

I don't understand the issue you have. Is it the dealer sold her a car and you don't think she can afford it?

Did the boyfriend cosign? If so, the probelm is between her and her boyfriend. While you are doing something nice in trying to help her, Ford or a dealership doesn't care about an employer being upset. Perhaps you can coach her into getting an appointment with the manager of the dealership and see what options are available.
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Old 08-01-07, 05:26 PM
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Originally Posted by StanSeven View Post
What good does it do talking with Ford? They manufacture cars and independent dealers sell them.

I don't understand the issue you have. Is it the dealer sold her a car and you don't think she can afford it?

Did the boyfriend cosign? If so, the probelm is between her and her boyfriend. While you are doing something nice in trying to help her, Ford or a dealership doesn't care about an employer being upset. Perhaps you can coach her into getting an appointment with the manager of the dealership and see what options are available.
A dealer is a qualified representative of the company. The Company approves a dealer to sell cars. In effect, the dealer is the direct link. That link is bad.

It wasn't her boyfriend. It was someone who agreed to cosign infront of the sales person so she could qualify. Let me ask you this:

Do you think it's conscionable to sell someone 27 thousand dollar car, if that someone is 19, pregnant, single, and earns about 1700 dollars a month?

Speaking to the manager is less of an option when the gentleman who was on the phone hung up on me twice.
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Old 08-01-07, 05:34 PM
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pregent?
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Old 08-01-07, 05:35 PM
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It's not the dealer's responsibilty to determine if she can afford the car, it's the lender's. Who was the lender?

How long has she had the vehicle? What do you really think should happen?
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Old 08-01-07, 05:37 PM
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Originally Posted by SD Fixed View Post
A dealer is a qualified representative of the company. The Company approves a dealer to sell cars. In effect, the dealer is the direct link. That link is bad.

It wasn't her boyfriend. It was someone who agreed to cosign infront of the sales person so she could qualify. Let me ask you this:

Do you think it's conscionable to sell someone 27 thousand dollar car, if that someone is 19, pregnant, single, and earns about 1700 dollars a month?

Speaking to the manager is less of an option when the gentleman who was on the phone hung up on me twice.
It may not be the best thing to do, but it's business.

And how would you feel if you went into a dealership, applied to buy a car, got approved, and were then told by the sales rep that you're not allowed to buy the car since you don't make enough? They have no way to know if she's getting financial support from else where, etc. At the end of the day she made a bad judgement call, and it's really not the dealership's fault.
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Old 08-01-07, 05:45 PM
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I don't think you should get involved, except at the direction of a lawyer. You may well do more harm than good, and may get in trouble yourself. It may help your employee if you helped her find a good attorney who didn't charge for the initial visit. Age of adult, gender, pregnancy, parental status, etc are probably legally irrelevant, but there may be other things for her to try.
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Old 08-01-07, 05:53 PM
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Originally Posted by SD Fixed View Post
It wasn't her boyfriend. It was someone who agreed to cosign infront of the sales person so she could qualify.

So let us get this straight. The dealership brought this "boyfriend" into the deal so she could get the car or she brought someone into the dealership to cosign.
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Old 08-01-07, 06:00 PM
  #9  
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Originally Posted by 01GTB View Post
It's not the dealer's responsibilty to determine if she can afford the car, it's the lender's. Who was the lender?

How long has she had the vehicle? What do you really think should happen?
The lender was Ford.

They told her at first "You don't qaulify for this car on paper, but if you get a co signer, you can just make the payments yourself."

I think they should take the car back, minus depreciation. I'm not advocating a full refund, nor that she should skirt her responsibilities, but this was predatory.
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Old 08-01-07, 06:02 PM
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Originally Posted by Malistryx View Post
It may not be the best thing to do, but it's business.

And how would you feel if you went into a dealership, applied to buy a car, got approved, and were then told by the sales rep that you're not allowed to buy the car since you don't make enough? They have no way to know if she's getting financial support from else where, etc. At the end of the day she made a bad judgement call, and it's really not the dealership's fault.
Exactly. She got approved based on the financial information she submitted on her application. Whoever financed the car felt she qualified.

Ford or the dealership isn't to blame. She and her cosigner qualified for the loan and are responsible.
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Old 08-01-07, 06:03 PM
  #11  
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Originally Posted by Krink View Post
Age of adult, gender, pregnancy, parental status, etc are probably legally irrelevant, but there may be other things for her to try.
Legally speaking, sure. They circumvented the rules just well enough.

But, tell me, honestly, was it right to sell a 19 year old who they knew FULL WELL only made 1500 a month a car that cost 520 a month?

It was wrong. A company, to me, has a moral obligation not to be predatory. Especially a large company.

Anyway, debate aside, if anyone has any contact, I'd appreciate it.
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Old 08-01-07, 06:05 PM
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Originally Posted by StanSeven View Post
Ford or the dealership isn't to blame. She and her cosigner qualified for the loan and are responsible.
Right, and pay day loans are perfectly fine too.
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Old 08-01-07, 06:11 PM
  #13  
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Once in the 80's I didnt have a drivers licence and asked a salesman
about the cost of a car on the off chance I was going to buy one.
He just kept saying over and over "Do you want the car ? Dont worry bout
the price"
Me, a dopey 20 something sez "hellz yeah".......I had one dollar in
my pocket when I went into the dealer, and the same one when I left
About 3 weeks later state pigs came to the door and wanted the tags off of it.
To make a long story short, I called GMAC and said, yes, I did buy the car, but
legally it shouldnt have been sold to me because Im not a lisenced driver.
They just said bring it back.....its called a "voluntary surrender".
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Old 08-01-07, 06:12 PM
  #14  
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Is this 19 year old pregnant woman mentally impaired in some way? She is an adult, able to get pregnant on her own and hopefully able to care for a child...she should know whether she can afford a vehicle or not. I think if you want to help her pay for it..that's your business..but otherwise you should stay out of it.
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Old 08-01-07, 06:14 PM
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Originally Posted by SD Fixed View Post
Legally speaking, sure. They circumvented the rules just well enough.

But, tell me, honestly, was it right to sell a 19 year old who they knew FULL WELL only made 1500 a month a car that cost 520 a month?

It was wrong. A company, to me, has a moral obligation not to be predatory. Especially a large company.

Anyway, debate aside, if anyone has any contact, I'd appreciate it.

They would likeley be circumventing the rules if they discriminated for or against anyone on basis of gender, etc. Her salary alone was likely not the basis--she had a cosigner.

I'm not clear--does she still have the car? The "boyfriend" absconded, but did he steal the car as well? That may be a legal matter concerning title, and then a police matter concerning theft.

No offense, but your account, and your concern, are missing a lotta pieces. Why would you not want to consult with an attorney before preaching morality to a fortune 500 company with a thousand of 'em. If your attempts at moral suasion didn't work locally (you've already angered the local manager, doing her no favors) I doubt they'll carry much water back in Detroit.

Seriously, help her by helping her get legal advice. Ain't nobody on crackpot Foo Bike Forums gonna give that to you.

Next question: I need to remove my tonsils. Anyone got any advice?
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Old 08-01-07, 06:15 PM
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Originally Posted by SD Fixed View Post
Right, and pay day loans are perfectly fine too.
Unless forbidden by law, yes they are.
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Old 08-01-07, 06:21 PM
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If you do get to speak to Ford, choose your words very carefully because the only thing she recieved without question was "bad advice". Ultimatley in the end she's the one that committed fraud and misrepresented herself.
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Old 08-01-07, 06:32 PM
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A co-signer is a co-signer. He is responsible as is she. It sounds to me that loan was based on what they both made together. If it was she that was to make the payments and can't then his credit as well as hers gets ruined. They would probably go after both of them.

I would say that an idea would be for her to surrender the car asap as to not ruin her credit rating.

Take the losses as a lesson and then go buy used.

Being 19, pregnant, single.......not a good situation to be buying a new car right now.
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Old 08-01-07, 06:37 PM
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Originally Posted by Siu Blue Wind View Post
A co-signer is a co-signer. He is responsible as is she. It sounds to me that loan was based on what they both made together. If it was she that was to make the payments and can't then his credit as well as hers gets ruined. They would probably go after both of them.

I would say that an idea would be for her to surrender the car asap as to not ruin her credit rating.

Take the losses as a lesson and then go buy used.

Being 19, pregnant, single.......not a good situation to be buying a new car right now.

+1
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Old 08-01-07, 06:46 PM
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I was curious about this subject as well so I did a search and found this. Look at the last response - there may be a "buyers remorse" law in CA, so you may want to have the girl contact an attorney and return the car right away:
http://forum.freeadvice.com/archive/.../t-268807.html

Also:
"In addition to those provisions, the law includes a refund opportunity. The period during which a car can be returned for a refund is only two days after purchase, instead of three days as last year's bill would have required. Cars costing more than $40,000 or driven more than 250 miles after the purchase do not qualify for the refund. Dealers can offer more generous terms and some already do." from http://www.carconsumers.com/BuyersRightsLAtimes_1.html


It seems as though there is a two day window. When did she buy her car?

While I can't stand predatory salespeople, what they did was within the law and there's not much recourse for her if she's past that 2 day window.

Last edited by Sprocket Man; 08-01-07 at 06:59 PM.
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Old 08-01-07, 06:56 PM
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What kind of vehicle is it? Just out of curiosity.
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Old 08-01-07, 07:02 PM
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I think it's really kind that you're trying to help her and you're so upset on her behalf, but she's an adult. Getting a co-signer in order to qualify for the loan means, right there, that she knew she couldn't afford it on her own. I don't think there's anything wrong with people having to get a co-signer...for many people I've known who didn't have established credit, it was the only way they could get a car loan at all.

It sounds as though she was expecting the co-signer to help pay for it, though? I still don't see how it's Ford's or the lender's fault. It was a bad choice on her part.

I hope there's a way out of it...one mistake like this can mess up your credit for years.
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Old 08-01-07, 07:07 PM
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Originally Posted by Siu Blue Wind View Post
I would say that an idea would be for her to surrender the car asap as to not ruin her credit rating.
Voluntary surrender is just a nice way to say "peaceful repossession". Counts against your credit regardless since you're not paying a bill you've agreed to pay.

That said, still might be the best avenue. They'll still want the difference between the car's value and the loan amount and may go after the co-signer, too. Ultimately, they'll probably eat it after giving it a bit of effort.

Back to the issue at hand. If she agreed - under duress or not - she needs to accept the consequences. If someone from the dealership arranged the co-signer, she needs to find a lawyer to handle this illegal transaction and to make sure that the debt is marked as paid in full and not a write off.

If she was told she couldn't afford the car without a co-signer and went and got one to be able to have the car, it's her responsibility. The folks are the dealership are SALES people and it's their job to make people just have to have a new car. Can't fault them for doing their job.

What you can do is institute some training for people who work for you to PREVENT this type of situation, but I'm afraid there's not much you can do to reverse it. She may have recourse, but she'll need a lawyer to advise her; not her employer nor a bunch of yahoos on an internet forum.
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Old 08-01-07, 07:16 PM
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"A very young lady who works for me,"

Give her a 560.00 a month raise.
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Old 08-01-07, 08:14 PM
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Worse case scenario; car gets repo'd, lender will be after her for the full amount minus however much the car got at 'auction'. She can ignore the creditors for 7 years and then it'll be off her credit report. She'll be 26 and hopefully have her act together. She's young, she's stupid, but luckily she's very young so this won't destroy her life.

She f-ed up; and now she learned an expensive... a very expensive lesson. If she's lucky and turns the car in, maybe she'll only lose a grand or two to cover the difference b/w the loan and depreciated value. I can't necessarily blame the dealership, nor can I approve of what they did, but how can they discriminate between buyers, and its their business to move cars off the lot.

I think it would help out if you went with her, cause clearly this girl doesn't know how to handle herself, and she'll probably get screwed again when she returns it.
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