Aces High Bulletin Board
General Forums => The O' Club => Topic started by: BlueJ1 on March 21, 2011, 09:06:15 PM
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Through my misfortune and come to find out quite a few others in the military Id like to share a story to hopefully warn you all.
Two weeks ago on Monday morning I woke up at 0430 to go to base and work. Walk outside around 0500 to get in my car to deal with lovely traffic. One thing is missing. My car. My immediate thought was that my room mates moved it in the night behind the house. Nope, its gone. Okay my car is stolen. I call non emergency police number and talk to a nice lady on the phone. She said a police officer will be there in about 45 minutes. I call my supervisor and chief at work to let them know Ill be late and what happened. About 30 minutes later I get a call back from police. The lady tells me she is very sorry but my car was just posted as repocessed. I nearly have a heart attack. Soon I start doing collateral damage control and regain breathing to figure out what happened. I check my bank accounts online, I look though my paper statements from toyota to see if I had a brain fart of my life and missed something. Nope. I try calling toyota. No humans working until 9am. Great... wait for roommate to get home, take her car to work....
Get to work and let supervisor and chief know whats happening. At this point Im pretty worked up and seeing red. Finally 0901 rolls around and I call toyota and figure out what the heck is going on. They tell me I missed my car payments for the past 3 months so my car was repo'd. Really trying not to let my sailor mouth not get the best of me I ask the lady how does this happen when I have proof that it came from my bank account and into my loan account I have with them. She says it dosnt matter, they shut down the internet paying system they have three months ago. So they took my money out of my bank account, held onto it for the past three months and never updated their automated system for my paper statements to reflect me being late. Now Ive gone from seeing red to seeing nuclear explosions go off. I bite my tongue real hard and ask then why was I not informed. Heres on of the best parts. In the state of Virginia, a company does not legally have to inform a customer of changed to payment systems or that a item, in this case my car, will be reprocessed. Okay, Ive had enough before I snap. I get off the phone with this nice lady and immediately head for my chain of command. I need help. My chief and division officer and myself all get back on the phone with toyota. So far Im just screwed with whats happened so far. What do I need to to next to fix this? Toyota will no longer honor my loan with them. I cannot just pay the past balance. Mind you had the car for maybe 6 months now. I will have 15 days from the letter of redemption being generated to pay the WHOLE balance of my loan. Oh great, thats just $26,000 and some change due to paying off early, taxes, and repo fees. Another heart attack ensues. That will be easy to get that much in 15 days..... because thats what I make in a year.....
So a few days pass and Im trying to get a loan with my bank. I have my command backing me and multiple people, including my Commanding Officer, willing to co-sign on a new loan. Not approved because Toyota royally ...... my credit. Not to mention I have a loan already for a car I lost.
Now my command is worried. If I cant come up with the money I will have $26,000 of unsecured debt to my name. This will cause me to lose my security clearance, my rate, and in today wonderful Navy to downsizing, do not pass go I get kicked out at front gate and sent on my way.
So whats a 23 year old kid to do? I go to mom. Longer story short she comes through for me. I will now be making loan payments to her. She gets title to car. But its not over yet.
This morning I called my bank, Navy Federal Credit Union, to talk to a lady about money being transferred into my account today. She said all will be fine, even the large sum. Wrong! I get a call this afternoon from mom saying Navy Federal locked up my account and her bank locked up all of hers because her name wasnt on my account. I borrowed money from her a long time ago so it was there. Until we found out they removed her last month for no reason at all. From past experience last time I checked it pretty much needs a act of congress for me to remove someone from my accounts. Yet my bank did it without even giving me a call or letter.
So here I am, no car, and who knows how this will end. Probably have to pay out the ...... and just send the money western union to Toyota. Im currently paying $25 dollars a day in storage fees for the towing company. Thats another $350 I owe. So far my loan went from being about $22,000 to now being in the hole about $30,000. Not including my loss of credit, putting me in the spotlight, and making me ask for help from my mom.
The part that worries me the most/ I have bad luck. Its just a car, Im young and have plenty of time left in my life to fix things. But Im not the only one this is happening to. I know of three more sailors that work within walking distance of me that are going through the same exact thing. I know of two civilians that are going through the same thing. Its just amazes me how a company can ruin so many lives. Im lucky, I have my mom and command. One of those individuals bought a brand new truck 4 months ago. He is out atleast $50,000 as of now. He's retired Navy and is getting up there in age. This is going to ruin him. So my warning to you all is be careful when dealing with Toyota Financial. I suggest steer clear of them. Im sure most of you that have or are using them havnt had issues. But theres a group of people here that are really taking a whipping from this company. The only thing I can really suggest is really know where your money is going and make sure its making a difference. Id hate for anyone to go through this.
I apologize for the length and the poor grammar and spelling. It still gets me a little worked up. Thank you for your time. I hope yall have a wonderful night and week.
<S>
Blue
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I'm speechless.... and that's hard to do...
Talk with a lawyer and see if you have any recourse at all?
<edit.. see I had nothing more to say before hitting enter, but let me fix that>
I hope you *are* able to resolve this in some manner. You have proof you *did* make an honest payment, they had your funds in their possession (i.e., accepted - did they ever return it?) Plus the lack of notification on your statements... if they showed the balance as being "current."
You should go to the media with the story.
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I'll never own a Toyota, nor ANY Japanese car. On my 9th car from Ford Motor Credit in the last 16 years. Not a single missed payment, one time my wife was a week late on a payment (9 years ago), they ignored the fee when the check came in.
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I'm speechless.... and that's hard to do...
Talk with a lawyer and see if you have any recourse at all?
Navy legal has all told us the same thing. First thing is to save our careers. Suck it up do what you can for now and try everything possible to pay them off. Then after dust settles Navy legal will get civilian lawyers involved for a class action lawsuit and start paperwork to get Toyota Financial black flagged from the military. I really dont want to sue. I dont want the money. I want nothing to do with those people for the rest of my life. They have caused me more stress then I developed in a year in Afghanistan. What I really want is the big wigs at their company to wake up in the morning and find their car missing from their driveway.
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I'll never own a Toyota, nor ANY Japanese car. On my 9th car from Ford Motor Credit in the last 16 years. Not a single missed payment, one time my wife was a week late on a payment (9 years ago), they ignored the fee when the check came in.
I love my car. Its toyota built yes. But Ive never had a problem with the dealer or anyone at the dealership. Its just their cohort toyota financial I dislike. But, after this I will be going back to something made stateside.
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WTF!? I sure as hell dont want that happenin to me, wasnt thinkin about a Toyota but I sure as hell aint now.
Best of luck to you in your current situation sir and thank the good lord for good mothers.
Spc Mitchell/Vudu15
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I love my car. Its toyota built yes. But Ive never had a problem with the dealer or anyone at the dealership. Its just their cohort toyota financial I dislike. But, after this I will be going back to something made stateside.
It was NOT a shot at you. I know of 7 close friends who are dealing with similar issues with Toyota Financial, three of them have had them "unjustly repo'd" and have cases pending in Court.
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It was NOT a shot at you. I know of 7 close friends who are dealing with similar issues with Toyota Financial, three of them have had them "unjustly repo'd" and have cases pending in Court.
I know you wernt attacking me sir. I apologize if I sounded negative.
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Damn Blue, now Im pissed. Hope it all works out for you. Friggin world we live in.
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I know you wernt attacking me sir. I apologize if I sounded negative.
Not at all. I think it's immoral for them to do this, let alone to a Vet. I just wish our Govt. would give you Men and Women the pay you truly deserve. :rock
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Damn Blue, now Im pissed. Hope it all works out for you. Friggin world we live in.
Thanyou sir.
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Not at all. I think it's immoral for them to do this, let alone to a Vet. I just wish our Govt. would give you Men and Women the pay you truly deserve. :rock
I think we are paid enough. Just would like to be left alone. If that makes sense.
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fire.....must...use...fire....
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I think we are paid enough. Just would like to be left alone. If that makes sense.
I understand exactly where you're coming from Blue. :salute
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COMPLETE and TOTAL BS! :bhead I have more than a few "colorful" words I'd like to use, but I don't want to be PNG'ed. :furious I'M pissed off and it's not happening to me! :bhead Made me get up and smoke a cigarette...
I REALLY hope Toyota Financial get's black flagged...
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I'll never own a Toyota, nor ANY Japanese car. On my 9th car from Ford Motor Credit in the last 16 years. Not a single missed payment, one time my wife was a week late on a payment (9 years ago), they ignored the fee when the check came in.
I've only ever bought one brand new car.....that was back in 83. a shiny black 5.0L mustang(not a gt).
i hadn't established any credit at that point. mom was afraid to co-sign for me.....grand mom did. the loan went through ford motor credit. they were nothing short of spectacular to deal with.
i may consider a gt at the end of this year...the re-ignited hp wars are exciting me.
to the OP........take all of your paper work, and see a lawyer. unless toyota's financial dept is based in va, you may be able to get this cleared up.....depending on the laws where they ARE based.
i hope it works out for you.....it sucks bad enough to see young people get screwed.....but to see a young person that is serving his country get screwed.........THAT makes my blood boil.
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I think we are paid enough. Just would like to be left alone. If that makes sense.
no......no, you are not.
<<S>>
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I love watching the military black flag companies around here. Most of them deserve it and their business suffers greatly. Would be nice to see a couple large financial institutions fall to this.
All to often the banks only worry about their bottom lines even after we bail those fools out. We need to get the banks back on the customer service program.
Don't we as a people own the banks now?
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A similar story happened to my family about a year ago, only we lost our house.
He's ARNG, served through OIF '05-'06 as a UH-60 Crewchief/Mechanic.
Still receives a corporal's pay grade due to interal f'ups, and his superiors
don't do toejam.
It crippled us.
You're young, you'll get by.
Hang in there :salute
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Just an FYI... To repo a car they have to send you a "notice to cure default" before taking action. If they didn't, they're screwed (unless they had sent you one in the last 12 months prior to the repo). If they held your payments without returning them to your account, they're screwed. If they sent you the notice, and returned the payments to your account (within 30 days of each payment) before repo, they may have a case.
The info you need is the bank records and the notice to cure default. If they deposited that money in any of their accounts, that's valididation of payment. If they didn't send you a notice to cure, then they're in violation of federal lending laws (state doesn't matter).
Hope this helps.
:salute
EDIT: Also, in the event of a repo, the lender has to give you the option to pay all late payments and fees (which includes repo and impound), then release the vehicle to your possession. I'm not sure of the Virginia laws as far as the time frame on that is, but it's not long. In any case, you have options aside from taking out a new loan and keeping the repo on your credit. Act fast... Do NOT wait for them to auction your car. At that point, you'd have to file suit against them, which could take a very long time.
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Damn Blue, what a damn infuriating story. I hate you are in a position that effects your job so much. I would not give those bastards a dime and sue them on top of that but I know you may not be able to do that. I really hope this gets better for you soon and never lose sight of the fact you've done nothing wrong. This kind of bs can wear on a guy. Been there more than once :salute
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Whatever happened to the soldiers and Sailors Relief act? I thought this was still in place to prevent this sort of thing, and to give you a strong legal remedy when companies try to pull a fast one.
http://usmilitary.about.com/cs/sscra/a/scra1.htm
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Thank you for all the information gentlemen. This was more of a story to warn others of Toyota Financial dealings with its customers. I will use the information and ideas given to see if I can sort this out in the end.
Funny story of today with the best of their customer support. I call this morning to obtain information about Western Union. Heres a piece of the conversation. Some background information this gentlemen works for the repocession department and only that. I clarified this before. This guy Ive talked to before and he probably my age and acts like hes top of the world because he gets to repo people's cars.
TF Rep:"What you need to do is just get in your car and drive down to a western union branch..."
I cut him off there: "Sir, what do you mean by my car?"
TF Rep: "The car were talking about now."
By now Im tired of talking to these people and getting no where.
Me: "Sir, are you slow?"
TF Rep: "I dont understand what you mean."
Me: "Sir, you work for the repocession department correct?"
TF Rep: "Yes I do."
Me: "Repo means you take people cars back for whatever reason?"
TF Rep: "Yea kid."
Being called kid took it to the next level. I dont mind being called kid. But only by those who deserve my respect.
Me: "Sir whats your name again?"
TF Rep: "George."
Me: "Well george, let me explain how this works. You took my car from me. Hence I do not have a car. And you told me to get in my car and go drive down to a branch."
george: "I dont get it."
Me: "George, your slow. Im going to hang up on you now and I want you to sit and think about what I said. When you do figure it out your world is going to be changed forever."
george: "I dont get it."
Me: "Okay george, Im done with you. Thank you tho from the bottom of my heart. You've made me realize that no matter how lousy my situation is, it could always be worse. I could be confused like you."
I hung up and called back and talked to another lady that gave me my info in a few minutes. George made my day. I smiled all day. Small wins at a time.
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Thank you for all the information gentlemen. This was more of a story to warn others of Toyota Financial dealings with its customers. I will use the information and ideas given to see if I can sort this out in the end.
Funny story of today with the best of their customer support. I call this morning to obtain information about Western Union. Heres a piece of the conversation. Some background information this gentlemen works for the repocession department and only that. I clarified this before. This guy Ive talked to before and he probably my age and acts like hes top of the world because he gets to repo people's cars.
TF Rep:"What you need to do is just get in your car and drive down to a western union branch..."
I cut him off there: "Sir, what do you mean by my car?"
TF Rep: "The car were talking about now."
By now Im tired of talking to these people and getting no where.
Me: "Sir, are you slow?"
TF Rep: "I dont understand what you mean."
Me: "Sir, you work for the repocession department correct?"
TF Rep: "Yes I do."
Me: "Repo means you take people cars back for whatever reason?"
TF Rep: "Yea kid."
Being called kid took it to the next level. I dont mind being called kid. But only by those who deserve my respect.
Me: "Sir whats your name again?"
TF Rep: "George."
Me: "Well george, let me explain how this works. You took my car from me. Hence I do not have a car. And you told me to get in my car and go drive down to a branch."
george: "I dont get it."
Me: "George, your slow. Im going to hang up on you now and I want you to sit and think about what I said. When you do figure it out your world is going to be changed forever."
george: "I dont get it."
Me: "Okay george, Im done with you. Thank you tho from the bottom of my heart. You've made me realize that no matter how lousy my situation is, it could always be worse. I could be confused like you."
I hung up and called back and talked to another lady that gave me my info in a few minutes. George made my day. I smiled all day. Small wins at a time.
:rofl Crap...I spilt my drink.... :rofl
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Thank you for all the information gentlemen. This was more of a story to warn others of Toyota Financial dealings with its customers. I will use the information and ideas given to see if I can sort this out in the end.
Funny story of today with the best of their customer support. I call this morning to obtain information about Western Union. Heres a piece of the conversation. Some background information this gentlemen works for the repocession department and only that. I clarified this before. This guy Ive talked to before and he probably my age and acts like hes top of the world because he gets to repo people's cars.
TF Rep:"What you need to do is just get in your car and drive down to a western union branch..."
I cut him off there: "Sir, what do you mean by my car?"
TF Rep: "The car were talking about now."
By now Im tired of talking to these people and getting no where.
Me: "Sir, are you slow?"
TF Rep: "I dont understand what you mean."
Me: "Sir, you work for the repocession department correct?"
TF Rep: "Yes I do."
Me: "Repo means you take people cars back for whatever reason?"
TF Rep: "Yea kid."
Being called kid took it to the next level. I dont mind being called kid. But only by those who deserve my respect.
Me: "Sir whats your name again?"
TF Rep: "George."
Me: "Well george, let me explain how this works. You took my car from me. Hence I do not have a car. And you told me to get in my car and go drive down to a branch."
george: "I dont get it."
Me: "George, your slow. Im going to hang up on you now and I want you to sit and think about what I said. When you do figure it out your world is going to be changed forever."
george: "I dont get it."
Me: "Okay george, Im done with you. Thank you tho from the bottom of my heart. You've made me realize that no matter how lousy my situation is, it could always be worse. I could be confused like you."
I hung up and called back and talked to another lady that gave me my info in a few minutes. George made my day. I smiled all day. Small wins at a time.
you were too nice.
on that note....it was pretty dam funny, and glad you were able to find humor in it. i kinda admire how calmly you're taking this....i know i couldn't when i was your age.
wtg sir. :aok
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I had my moments where I lost it. Me taking my aggression out on the phone wont help me at all, will just get me worked up even worse. In the end Im not dead, hurt, or worse yet any of my friends or loved ones. Things could always be worse. That mindset got me though a few rough times in my career. The whole situation I just classify as a true fubar situation. Things will only get better from here. I tonight I will be praying for george. I hope he didnt have a coronary attempting to figure out what I told him.
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This needs to go on national news. Is there a local channel in your area that does reporting regarding fraudulent business practices? You might contact a few of them and have your buddies that are going through the same situation to corroborate the story. Let them broadcast it and tarnish toyota. Frankly if nothing else contact the local newspaper and let them have the story about how they are screwing current and past troops.
Toyota needs their bellybutton handed back to them. I can say they do not have to worry about seeing any of my money.
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Have YOUR Mother call HER Congressman.
Play the vet angle. Mention it's happening to lots of vets.
Call a local Virginia TV station. They love juicy investigative scandals and they can play the vet angle.
You never want to deal with them again. Don't. Let others make their lives miserable.
wrongway
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...Me taking my aggression out on the phone wont help me at all, will just get me worked up even worse.
Not only that but I have an aunt who worked for GMAC credit and when I was describing a similar incident with a creditor she told me the last thing I want to do is get rude or nasty with them on the phone. Apparently your behavior can negatively affect your credit rating. Apparently being an arnold can cause you troubles too.
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Talk to a lawyer. Chances are you aren't not the only person in Virginia that toyota has screwed like this.
Class action lawsuit.
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Unbelievable! How could anybody screw you like this? Greed for money is killing us...
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How come I am not buying the story?
Toyota gave you a loan for a car worth as match as you make per year without a cosigner?
You had no idea your payments were not going through? Really? That would have been your full paycheck. No clue why the extra money in the bank?
Car companies will do everything they can to get payed instead of repossessing a car. They lose a ton of money on a repo.
Your bank removed your mother from your account? Funny coincidence eh? Oh, they also did not inform you lol
You know 7 people that the same thing happened to?
BTW, it takes 90 days before they start thinking about a repo and I am sure, you got no mail or calls about when will you make the payments because since it is not required (according to you) Toyota decided they would rather not try to get paid.
I forgot, your moms account got locked because? . . . .
Looks like someone is trying to get back at Toyota for not making their payments on time :lol
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George is probably still trying to figure it out.
Blue I'm sorry you have to deal with this.
After my first divorce the ex got the car and the payments. Of course she got it repo'd. A few months later Ford starts harassing me. I send them the decree and they say they don't care and I need to make the account good for past dues. I got fed up with it found out the name of the CEO of Ford, sent him copies of everything, and explained my situation. Within two weeks my account was cleared and my credit reports were fixed. Not saying this will work for you but you are dealing with drones. Go over their heads until you find an empathetic ear.
I'm considering writing Toyota credit and telling me what I think of them even though I don't and never intend to do business with them.
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dedalos,
It's probably a true story. It happens every once in a while that a car dealership (or more than one) near a military base starts making questionable loans with the objective of screwing young military members out of a lot of money. It's sort of like the bad mortgage loans, but with cars. The loan officers at the dealership know that the kid has a "secure" salary and a boss who will make the kid stay on base in the dorms if that is what is necessary to pay the loan, so they make loans that would not normally be extended to people with normal jobs. The dealer wins because he moves cars, the loan guy wins because he sold a loan, toyota wins because again they sold the car, toyota financial wins because "big money" loans to banks and other financial institutions are nearly 0% now, and a kid buying a new car on a military salary is going to end up paying a few percent interest even though the lender is getting the money essentially free. If and when the loan defaults, either through inability to pay or in this case, the lender playing games, the car is repossessed and the kid gets screwed. Guess what - the lender still makes a profit on the interest paid to that point, and the dealer gets back a lightly used car since many (most?) servicemembers take good care of their cars, and they're often very low mileage too.
It's basically a huge scam targeting military members, and several car dealerships near Sheppard AFB have at various times been blacklisted for these kinds of predatory loans.
My suggestion is to write both your federal and state congressmen. The state might be able to adjust state law to address the problem, and the fed congressman may have suggestions on various federal statutes that have been aimed at preventing this sort of thing. For example, if you were deployed or TDY when the car was repossessed, the lender would be in violation of federal law aimed at keeping this from happening.
I do suggest that you first tell your commander, and ask permission to include your commander's name and contact information so the congressman can verify your story. Don't want to blindside your boss with a congressional investigation...
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The suggestion to have your Mom also write her congressional representatives is very good too. She's been dragged into this and is suffering financial hardship during a recession due to both military regulations and financial predatory acts against a servicemember during a time of war.
If you get nothing with that, give the local news stations a call. If they pass on the story, get a civilian lawyer and offer the lawyer 100% of any damages if he can get your credit record fixed and your car back, plus refund on your and your Mom's additional expenses.
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Have YOUR Mother call HER Congressman.
Play the vet angle. Mention it's happening to lots of vets.
Call a local Virginia TV station. They love juicy investigative scandals and they can play the vet angle.You never want to deal with them again. Don't. Let others make their lives miserable.
wrongway
Any decent TV station in a market with active military will jump on a story like this like mud on a pig. Why? It's in their best interest. Call. If you don't hear back within a day or two go down to the station and ask to talk with "the News Director".
PS--it's not about the money...it's about making a massive international company do the right thing.
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dedalos,
It's probably a true story. It happens every once in a while that a car dealership (or more than one) near a military base starts making questionable loans with the objective of screwing young military members out of a lot of money. It's sort of like the bad mortgage loans, but with cars. The loan officers at the dealership know that the kid has a "secure" salary and a boss who will make the kid stay on base in the dorms if that is what is necessary to pay the loan, so they make loans that would not normally be extended to people with normal jobs. The dealer wins because he moves cars, the loan guy wins because he sold a loan, toyota wins because again they sold the car, toyota financial wins because "big money" loans to banks and other financial institutions are nearly 0% now, and a kid buying a new car on a military salary is going to end up paying a few percent interest even though the lender is getting the money essentially free. If and when the loan defaults, either through inability to pay or in this case, the lender playing games, the car is repossessed and the kid gets screwed. Guess what - the lender still makes a profit on the interest paid to that point, and the dealer gets back a lightly used car since many (most?) servicemembers take good care of their cars, and they're often very low mileage too.
It's basically a huge scam targeting military members, and several car dealerships near Sheppard AFB have at various times been blacklisted for these kinds of predatory loans.
My suggestion is to write both your federal and state congressmen. The state might be able to adjust state law to address the problem, and the fed congressman may have suggestions on various federal statutes that have been aimed at preventing this sort of thing. For example, if you were deployed or TDY when the car was repossessed, the lender would be in violation of federal law aimed at keeping this from happening.
I do suggest that you first tell your commander, and ask permission to include your commander's name and contact information so the congressman can verify your story. Don't want to blindside your boss with a congressional investigation...
Understood. However, it is not the loan officer at the dealer making the loan. It is a bank. He just submits the paper work to the one that pays the better commissions. In this case however, it is not one of those banks looking to give out loans at any cost. It is Toyota credit. Those companies use match higher requirements before giving out a loan. Give it a try and you will see how harder it is. In addition, companies like that are not out to screw anyone. They are out to make money. How does what he claims happened make money for Toyota? How does it for any bank? I know it is easy to say the big bad bank is out to get him but how on earth would a bank make money out of a repo?
So, no, they are not out to cause any of this.
However, lets say that they are, everything I said still applies. He got a loan equal to what he makes per year for a car (BS if you ask me. No way Toyota gave him that). Then he has no clue that the car is not getting paid (we are not talking about 20$ here that he could miss right?) He does not get any mail or calls (total BS) his moms account gets locked and he knows 7 guys that this happened too, and then he blames the bank for being out to get him? And BTW, he does not have a secure job. The military is a hazardous job .
Lets just think through it for a bit. If all of the above is true, what do you expect the bank to do? As far as they know they have a guy that has not made any payments and has not contact them in 3 months. All they can hope for, is to cut their losses.
The main reason I don;t buy his story is the presentation. The bank took a loss on this so NO, they were not trying to get him. He just needs to admit that he made some mistakes.
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Any decent TV station in a market with active military will jump on a story like this like mud on a pig. Why? It's in their best interest. Call. If you don't hear back within a day or two go down to the station and ask to talk with "the News Director".
PS--it's not about the money...it's about making a massive international company do the right thing.
reading what eagl said, he's probably right. a local dealer pushing crap through, taking advantage of the servicemen........
there's a couple of those "payday" loan agencies right around mcguire/ft. dix. i think i recall hearing that they charge some outrageous interest rates........
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Understood. However, it is not the loan officer at the dealer making the loan. It is a bank. He just submits the paper work to the one that pays the better commissions. In this case however, it is not one of those banks looking to give out loans at any cost. It is Toyota credit. Those companies use match higher requirements before giving out a loan. Give it a try and you will see how harder it is. In addition, companies like that are not out to screw anyone. They are out to make money. How does what he claims happened make money for Toyota? How does it for any bank? I know it is easy to say the big bad bank is out to get him but how on earth would a bank make money out of a repo?
So, no, they are not out to cause any of this.
However, lets say that they are, everything I said still applies. He got a loan equal to what he makes per year for a car (BS if you ask me. No way Toyota gave him that). Then he has no clue that the car is not getting paid (we are not talking about 20$ here that he could miss right?) He does not get any mail or calls (total BS) his moms account gets locked and he knows 7 guys that this happened too, and then he blames the bank for being out to get him? And BTW, he does not have a secure job. The military is a hazardous job .
Lets just think through it for a bit. If all of the above is true, what do you expect the bank to do? As far as they know they have a guy that has not made any payments and has not contact them in 3 months. All they can hope for, is to cut their losses.
The main reason I don;t buy his story is the presentation. The bank took a loss on this so NO, they were not trying to get him. He just needs to admit that he made some mistakes.
paperwork can be "massaged" to make it all look kosher.
that being said....when i bought my 83 mustang, i was that young........i don't think i was making much over 20k/year.......ford motor credit took me on....although they did want a co-signer.
something funny about that....the first dealer i went to kept trying to tell me i couldn't afford, and/or didn't want a mustang. kept trying to tell me i wanted an escort. i asked him if i could get a 5.0 in the escort....he said no, but i didn't need or want that power anyway.
after a few choice words(not very nice) i left before i took a swing at the tard.
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reading what eagl said, he's probably right. a local dealer pushing crap through, taking advantage of the servicemen........
there's a couple of those "payday" loan agencies right around mcguire/ft. dix. i think i recall hearing that they charge some outrageous interest rates........
That just shows ignorance on how the system works. You need to understand the difference between car dealers, banks, Toyota credit etc. Even if you don't, his complain is that he did not pay and they took his car because they were out to screw him.
There is a reason he and the other 7 did not take their stories to the TV station. How come he did not get a lawyer and sue them? Yeah, big bank trying to screw service man. Nice story, but . . .
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That just shows ignorance on how the system works. You need to understand the difference between car dealers, banks, Toyota credit etc. Even if you don't, his complain is that he did not pay and they took his car because they were out to screw him.
There is a reason he and the other 7 did not take their stories to the TV station. How come he did not get a lawyer and sue them? Yeah, big bank trying to screw service man. Nice story, but . . .
i do understand the difference.........the sales guy that handled me actually DID "massage" the paperwork, so i looked like less of a risk. i mean....c'mon....a 21 year old kid buying a 5 liter mustang?
it did pay off for him though, as not only was i never late on a single payment....i paid the car off 6 months early.
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i do understand the difference.........the sales guy that handled me actually DID "massage" the paperwork, so i looked like less of a risk. i mean....c'mon....a 21 year old kid buying a 5 liter mustang?
it did pay off for him though, as not only was i never late on a single payment....i paid the car off 6 months early.
Not sure how your story relates to this one.
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Not sure how your story relates to this one.
because more than likely the same thing happened in the beginning. the sales guy went out of his way to make the op's paperwork look "good". send it up the line, and the loan gets approved. everyone's happy....the sales guy gets his commission....the dealer gets their sale...and more than likely a commission on the loan........then whatever bank screw up happened happened, and whamo.....repo'd car.
now i've no clue about the repo laws down there.....i think they need to give you notice in nj though.......
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because more than likely the same thing happened in the beginning. the sales guy went out of his way to make the op's paperwork look "good". send it up the line, and the loan gets approved. everyone's happy....the sales guy gets his commission....the dealer gets their sale...and more than likely a commission on the loan........then whatever bank screw up happened happened, and whamo.....repo'd car.
now i've no clue about the repo laws down there.....i think they need to give you notice in nj though.......
lol, if that was true, both you and this guy committed fraud by signing those papers. Again, you don;t understand how it works do you, lol. Back when you bought your car everything was not computerized and easily accessed, so what you describe was easier.
Now days, the bank, in this case Toyota credit would pull your credit up, know where you work, how match you make, what dog you have, what other loans you have, what you had for breakfast etc, before they approved anything and then compare it with what you/dealer submited. I just bought a car couple months ago. Guess what, they wanted copies of my W2 and 2 months of pay stubs. Wana explain to me how the loan officer would doctor any of those? In either case, if some how he managed to do that to get a loan, it would seem that he was out to get the bank and not the big bad bank out to get him, right?
It is always someone elses fault :rofl
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lol, if that was true, both you and this guy committed fraud by signing those papers. Again, you don;t understand how it works do you, lol. Back when you bought your car everything was not computerized and easily accessed, so what you describe was easier.
Now days, the bank, in this case Toyota credit would pull your credit up, know where you work, how match you make, what dog you have, what other loans you have, what you had for breakfast etc, before they approved anything and then compare it with what you/dealer submited. I just bought a car couple months ago. Guess what, they wanted copies of my W2 and 2 months of pay stubs. Wana explain to me how the loan officer would doctor any of those? In either case, if some how he managed to do that to get a loan, it would seem that he was out to get the bank and not the big bad bank out to get him, right?
It is always someone elses fault :rofl
i'm not saying i'm right......and i'm not saying what the op was was true......just saying what my experience was, and that i felt that this could've happened here.
to be honest, having everything as computerized as it is is kinda scary to me. too much info too easily accessible.
sometime near the end of this year, i'll be going for either a 2010 or a 2011 mustang......i'm doing everyting in my power though, to manage to have the money to just pay for it.....partly for the very reason of not wanting to have a loan.....not wanting them to be sending all of my info on the intardnets, and also because i think that having cash(or check) on hand will give me a LOT more bargaining power. wish i could afford a boss302, but i know that's not gonna happen........
missed your last sentence.........
someone has to enter information into the computer initially.....and that would be the sales guy or the dealers loan rep.............
as for my paying mine off early? yes, as a matter of fact that was someone elses fault too. grandmom kept after my ass. :aok
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to be honest, having everything as computerized as it is is kinda scary to me. too much info too easily accessible.
I know right? Not easy to lie about things now and claim the bank tried to screw you by taking a loss :lol
sometime near the end of this year, i'll be going for either a 2010 or a 2011 mustang......i'm doing everyting in my power though, to manage to have the money to just pay for it.....partly for the very reason of not wanting to have a loan.....not wanting them to be sending all of my info on the intardnets, and also because i think that having cash(or check) on hand will give me a LOT more bargaining power. wish i could afford a boss302, but i know that's not gonna happen........
Bad news. It will be ;) Well, it already is anyway lol
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Dedalos,
Dosnt really matter to me if you dont believe me. Im not asking any of you for money. I wouldnt either without proof. My command didnt at first until I showed them all the paperwork. To answer a few of your questions.
My loan amount originally was in total about $23,000 before these events. I currently make about $2,200 a month, or $1,100. Thats $26,400 a year without taxes and other wonderful things taken out. My payments per month were about $570 dollars a month. Its a lot of money yes, but I could afford it.
The 90 days you spoke of. If you would re-read my first post you would notice I said that I was 3 months late. Theres the 90 days.
I am seeking assistance from a lawyer. My case is being handled through Navy Legal for now. The Navy is waiting for more sailors and gov. employees to come forward with the same issue and then it will be referred to a civilian lawyer in a class action lawsuit.
I do take some offense to you saying Im just trying to blame someone else for my mistakes. Sir, yes I am 23 years old. I am young. But I know how to be responsible for my own actions. But, like I said I wouldnt believe myself either. My only question to you. Why would I go about putting myself in this situation? Ive owned vehicles before. Been in the military 5 years now and I love it. I dont see any reasonable thought process where I would want to end all of that and basically screw myself for the rest of my life.
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Oh yea, toyota is making money off of this. Original loan being about $23,000 dollars with interest included. I now owe them a total of alittle more then $26,000 that I have to pay no matter the outcome of my situation. Instead of receiving 23 grand over multiple years. They are going to get 26 in a lump sum.
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'We would like to hear from you. We built Toyota.com to serve you and we value your input. So, please, tell us what you think. '
*coughbscough*
Doin a little research in my spare time Blue.
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'We would like to hear from you. We built Toyota.com to serve you and we value your input. So, please, tell us what you think. '
*coughbscough*
Doin a little research in my spare time Blue.
Theres a link on their website to one of their ceo's email. I doubt he reads them. But I sent a email to it. I kept my cool and explained my situation and how disapointed I was. That was three days ago and no reply.
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Understood. However, it is not the loan officer at the dealer making the loan. It is a bank. He just submits the paper work to the one that pays the better commissions. In this case however, it is not one of those banks looking to give out loans at any cost. It is Toyota credit. Those companies use match higher requirements before giving out a loan. Give it a try and you will see how harder it is. In addition, companies like that are not out to screw anyone. They are out to make money. How does what he claims happened make money for Toyota? How does it for any bank? I know it is easy to say the big bad bank is out to get him but how on earth would a bank make money out of a repo?
So, no, they are not out to cause any of this.
However, lets say that they are, everything I said still applies. He got a loan equal to what he makes per year for a car (BS if you ask me. No way Toyota gave him that). Then he has no clue that the car is not getting paid (we are not talking about 20$ here that he could miss right?) He does not get any mail or calls (total BS) his moms account gets locked and he knows 7 guys that this happened too, and then he blames the bank for being out to get him? And BTW, he does not have a secure job. The military is a hazardous job .
Lets just think through it for a bit. If all of the above is true, what do you expect the bank to do? As far as they know they have a guy that has not made any payments and has not contact them in 3 months. All they can hope for, is to cut their losses.
The main reason I don;t buy his story is the presentation. The bank took a loss on this so NO, they were not trying to get him. He just needs to admit that he made some mistakes.
so he made this all up and told us about it why???
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Oh yea, toyota is making money off of this. Original loan being about $23,000 dollars with interest included. I now owe them a total of alittle more then $26,000 that I have to pay no matter the outcome of my situation. Instead of receiving 23 grand over multiple years. They are going to get 26 in a lump sum.
listen to dicho..........he's a good person to listen to. good guy too. :aok
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Let me see if I understand this.
Are you saying that:
1. You had an automatic debit for the car loan at your credit union and the money was withdrawn by Toyota Financial three times, on time, for the payments?
2. Toyota Financial did not credit that money to your loan properly?
3. They acknowledged that they withdrew the money for the payments on time, but called in the loan and repossessed the car?
Is that correct?
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Thats the way I read it Rolex.
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Wish there was something I could say here. I can at least tell you that I know for a fact that greed kills. And whether Toyota knows it or not, it's already eating them alive.
:salute BlueJ1
I hope this gets fixed.
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All yes Rolex. They received my deposits. But because they were not using the online system anymore it was not accredited to my account. My first question to them after I had found out what happened was if that money could be used toward the late balance and my account would balanced. I was informed no, my loan could no longer be honored because of the repocession. I will be receiving those funds back next week after the turnout on my situation is final.
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Would you like some advice?
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BlueJ: Did they then refund what you payed them?
Looking at this from outside, I see this:
1: You have a payment deal.
2: You honor the deal and pay monthly.
3: They receive the money.
4: They change some internal rules on their own, and still take your money.
So in short, you honor the agreement, by completely fulfilling it's term by payment. There is no outstanding debt, since you have paid to the point.
I do not know your court system, but where I live, they would loose at court. It should be in your case too, since you did fulfill the obligations of the contract that you SIGNED. You have the receipts, so hire a confiscator, give him the paperwork, and send him for the car :D
Better still, go public, talk to the press, and use the sailor mouth subtly. Because if this is their working method in a case that simple, you are not the only one, and the simplicity of the whole thing makes a nice fat slice for the media.
Best of luck, and kick'em hard :bhead
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Rolex. I'm always open for advice sir. Angus, Navy legal has all of my information you stated above. I do have a case. But because I'm not alone I'm waiting for them to get everyone else's ducks in a row before its taken further. As far as going to the media goes I would love to. That's the only justice I would really like is to warm others on a larger scale. But currently I've been advised by navy lawyers to not take this to the media as of yet. Was informed today that Navy Legal has been in contact with Toyota, and they are working on ironing this situation out. They say Toyota is going to try and save face with the public and settle this outside of court. Being as I'm in the military I have to listen to what I told. I should have final idea on what is going to happen today.
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Theres a link on their website to one of their ceo's email. I doubt he reads them. But I sent a email to it. I kept my cool and explained my situation and how disapointed I was. That was three days ago and no reply.
The only thing that works is to send registered letters to as many executives as you can find. Force them to sign for the letter. That would get them to read them. Right now some secretary is probably throwing them away.
That been said, I still don;t buy your story. For 3 months you did not notice that you had an extra 570$ in your account? What you fail to understand is that you were responsible for those payments you did not make. Toyota did not design anything to make you not pay. There is no way they gave you that loan with no co-signer but I ll go along with your story for a bit and say that they did. You sir, did not pay, right? The rest of your story has so many holes in it you can only fool the people that want to believe the sad story of the big bad bank vs the honorable sailor (hello Cap). I dealt with banks in the past for similar reasons. Forgot to make payment, wife forgot to mail it, etc. One thing that does NOT happen is the bank talking to someone not on the loan, about the loan. They would not talk to me about my wife's car cause my name was not on it. But you had your command talk to them and try to figure it out? :rofl
Good luck to you. There will always will be people looking for a sad story to listen too. Next time make the payments and the big bad wolf will not bother you. Funny is that you have security clearance and we trust you with some good stuff but you cant figure out that your salary basically doubled for 3 months :lol
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For 3 months you did not notice that you had an extra 570$ in your account?
Toyota did draw money out for those 3 months, $570 each month.
Your tone is becoming a bit irritating. The OP has an honorable reputation around here.
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Reading comprehension failure.
Really trying not to let my sailor mouth not get the best of me I ask the lady how does this happen when I have proof that it came from my bank account and into my loan account I have with them. She says it dosnt matter, they shut down the internet paying system they have three months ago. So they took my money out of my bank account, held onto it for the past three months and never updated their automated system for my paper statements to reflect me being late.
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Reading comprehension failure.
Yep, I forgot about that. So, according to him they took the money but they still repoed the car. :rofl
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Toyota did draw money out for those 3 months, $570 each month.
Your tone is becoming a bit irritating. The OP has an honorable reputation around here.
:rofl Really? Who are you guys? Let me guess, a squadie or you are in the navy also and therefore that makes him honorable?
Bottom line, he did not pay. The rest is just a nice story. What would you do if someone did not pay you or contacted you for three months?
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Yep, I forgot about that. So, according to him they took the money but they still repoed the car. :rofl
could never happen, just like when i got collection notices for hospital bills i had paid 9 months ago. never happens.
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:rofl Really? Who are you guys? Let me guess, a squadie or you are in the navy also and therefore that makes him honorable?
Bottom line, he did not pay. The rest is just a nice story. What would you do if someone did not pay you or contacted you for three months?
whatever....yawn.
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could never happen, just like when i got collection notices for hospital bills i had paid 9 months ago. never happens.
Different subject. Collection companies will sell to other collection companies who will sell to other collection companies etc etc. Some are reputable some are scum. You have to look at the story and the fact that it was Toyota credit and not some bank no one ever heard of. I have been sued by collection companies even though they could not even match my name. 10 minutes in court and they did not bother me again.
Could his story be true? I find it extremely unlikely, and I explained why. Just my opinion. Al you have to do is read his OP carefully and will see things don't make sense.
Just because some guy plays a game with us online does not make him credible or reputable. And I speak from experience on this one.
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I'm credible, and reputable.
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You are entitled you opinion. It's why I go to work everyday. Again never once was I looking for a handout from any one in here. Even those who believe me. When it comes down to it I'm still the one paying the bills. None of you. Was only offering a heads up to others to avoid my situation.
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I'm credible, and reputable.
sort of ;)
Personally I believe Blue. I knew someone who was on the phone with Toyota credit making arrangements to catch their past due bills up. While they were on the phone the repo company towed the truck off. And no it wasn't me.
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sort of ;)
Personally I believe Blue. I knew someone who was on the phone with Toyota credit making arrangements to catch their past due bills up. While they were on the phone the repo company towed the truck off. And no it wasn't me.
:rofl I guess Toyota was supposed to put the guy on hold and call the repo company to stop them? Again, another situation where someone did not pay and yet, it is the banks fault :lol What happened after that though? Did he make the payment and get the car back or did his moms account got locked? See, your story is believable. What you described is easy to happen. What he described is a different story.
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You are entitled you opinion. It's why I go to work everyday.
Really? Do we really want to get into that? :lol
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:rofl I guess Toyota was supposed to put the guy on hold and call the repo company to stop them? Again, another situation where someone did not pay and yet, it is the banks fault :lol What happened after that though? Did he make the payment and get the car back or did his moms account got locked? See, your story is believable. What you described is easy to happen. What he described is a different story.
you don't think there could've been a screw up in their computer system? which is what this sounds like?
he says he has proof that the money was transfered from one account to another. now if they stopped the internet payment system, but the auto-transfers continued.......then as far as he knew, he was paying for his car. he was looking in the accounts, saw the money move, and figured he was good.
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Cap, there's no point. Thankyou for helping. But he has his mind set. No need to carry this on farther. All of this is just words on the internet. Just like two sides debating politics. There is no clear winner. I wouldn't believe me either. I'm the one living it, and I will be the only one who really knows who's right.
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you don't think there could've been a screw up in their computer system? which is what this sounds like?
he says he has proof that the money was transfered from one account to another. now if they stopped the internet payment system, but the auto-transfers continued.......then as far as he knew, he was paying for his car. he was looking in the accounts, saw the money move, and figured he was good.
If this is the case, he will make some cash when all this is over. Especially if he ends up losing his job or income from it. I am amazed however at how hard people will try to believe a story. Look at what you wrote for a second:
"they stopped the internet payment system". Huh? What internet payment system? Are we talking scheduled electronic payments between two banks that guarantee they get their money on time and at very low cost to them? Now, does it make any sense to you that a bank would stop that? Most their customers pay like that. So, lets say the bank is stupid and stopped that. How on earth were able to to pull the money then? Did they stop it or not? :lol
"now if they stopped the internet payment system, but the auto-transfers continued" Ummm, ok, so they stopped it, but they continued :uhoh.
You see why I don;t buy it?
But hey, if it did happen, he is gong to be able to buy a more expensive car very soon. :lol The killer is the bank locking his account for trying to deposit money in it :rofl
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Cap, there's no point. Thankyou for helping. But he has his mind set. No need to carry this on farther. All of this is just words on the internet. Just like two sides debating politics. There is no clear winner. I wouldn't believe me either. I'm the one living it, and I will be the only one who really knows who's right.
True that. Not sure about winning though. Had no idea it was a competition. But if it was, I think Charlie is winning lol
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Cap, there's no point. Thankyou for helping. But he has his mind set. No need to carry this on farther. All of this is just words on the internet. Just like two sides debating politics. There is no clear winner. I wouldn't believe me either. I'm the one living it, and I will be the only one who really knows who's right.
Hang in there son. Hope things work out for you. I bet when your legal representation finally gets a hold of somebody in authority they will get it sorted. Please let us know how it turns out.
There will be plenty more annoying events in your life. How you handle them will be key.
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Getting my car back tomorrow. Navy lawyers talked Toyota into refunding extra fees. Late fees, Repo, cost, lot fees, and early pay off amount for loan. They will amend my credit report. Got a call from some Toyota manager apologizing for entire ordeal. Same for all others involved. Just glad its over.
<S>
Blue
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Been following this thread, and I'm really glad to hear that news. <S> for keeping your cool during all this, especially when you were getting trolled here by someone with too much free time (although in the grand scheme of things, he was just a minor annoyance). Glad to hear it worked out, and I'll keep all this in mind next time I'm looking for a car.
:salute
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They'd better be sending you an elite squad of their finest Japanese call girls for your troubles BlueJ.
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Getting my car back tomorrow. Navy lawyers talked Toyota into refunding extra fees. Late fees, Repo, cost, lot fees, and early pay off amount for loan. They will amend my credit report. Got a call from some Toyota manager apologizing for entire ordeal. Same for all others involved. Just glad its over.
<S>
Blue
YES!!!! Congrats Blue :salute
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I'm happy this was sorted out for you, BlueJ1. I don't think the lawyer talked Toyota into anything. They just communicated with the right person or people in the right way. They elevated the problem to the level of management where logic and common sense lives.
There are two lessons here. One is serious and the other sarcastic.
It's better to have a lawyer handle this since they are emotionally detached and communicate better.
And two, you should never buy or finance a car from an American company. Toyota Financial Services in the US is managed and staffed completely by Americans. See how sweeping generalizations work? ;)
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I'm happy this was sorted out for you, BlueJ1. I don't think the lawyer talked Toyota into anything. They just communicated with the right person or people in the right way. They elevated the problem to the level of management where logic and common sense lives.
There are two lessons here. One is serious and the other sarcastic.
It's better to have a lawyer handle this since they are emotionally detached and communicate better.
And two, you should never buy or finance a car from an American company. Toyota Financial Services in the US is managed and staffed completely by Americans. See how sweeping generalizations work? ;)
Lessons learned sir. Thank you.
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Congrats on getting your car back sir. Glad to see it all worked out for the best. :salute
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You should go to the media with the story.
Quoted For Truth
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Getting my car back tomorrow. Navy lawyers talked Toyota into refunding extra fees. Late fees, Repo, cost, lot fees, and early pay off amount for loan. They will amend my credit report. Got a call from some Toyota manager apologizing for entire ordeal. Same for all others involved. Just glad its over.
<S>
Blue
I'm starting to calm down, now that I read all the way through the thread. Whoa, I was ready to go nuke.
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Getting my car back tomorrow. Navy lawyers talked Toyota into refunding extra fees. Late fees, Repo, cost, lot fees, and early pay off amount for loan. They will amend my credit report. Got a call from some Toyota manager apologizing for entire ordeal. Same for all others involved. Just glad its over.
<S>
Blue
good to hear sir.
they oughtta give ya a friggin new one after all this poop.
one word of advice.........check your car over with a fine tooth comb. everything. take it to your mechanic. sometimes repo guys aren't the most caring in the world.........
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I'm happy this was sorted out for you, BlueJ1. I don't think the lawyer talked Toyota into anything. They just communicated with the right person or people in the right way. They elevated the problem to the level of management where logic and common sense lives.
There are two lessons here. One is serious and the other sarcastic.
It's better to have a lawyer handle this since they are emotionally detached and communicate better.
And two, you should never buy or finance a car from an American company. Toyota Financial Services in the US is managed and staffed completely by Americans. See how sweeping generalizations work? ;)
Tell me you're being sarcastic as Toyota's have had some MAJOR ISSUES over the past few years.
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Just because some guy plays a game with us online does not make him credible or reputable. And I speak from experience on this one.
No doubt about that... :rofl
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That is great news BlueJ! Finally some good news to come across in the world.
Tomorrow night it's time to fly back to Texas.
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Tell me you're being sarcastic as Toyota's have had some MAJOR ISSUES over the past few years.
Well, they certainly got some major press.
You're aware that the NTSB and NASA determined that there was no issue with the electronic controls, and the "black boxes" showed that virtually all of the drivers were stepping on the accelerators and not stepping on the brakes at the time of the accident? Toyota chose to not blame those customers, though, just like they took care of BlueJ1.
Anyway, what's your point? Are you saying that people should not buy Toyota products?
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Never had a problem with Toyota financial before. Paid my truck off, no issues. Missed the first payment for my wife's car because the dealership didn't put the apartment number down and I was working nights, she days, both thinking the other had gotten the letter and paid it. Called Toyota financial and explained, gave them the correct address, made the payment, no problems.
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Well, they certainly got some major press.
You're aware that the NTSB and NASA determined that there was no issue with the electronic controls, and the "black boxes" showed that virtually all of the drivers were stepping on the accelerators and not stepping on the brakes at the time of the accident? Toyota chose to not blame those customers, though, just like they took care of BlueJ1.
Anyway, what's your point? Are you saying that people should not buy Toyota products?
I'm talking about the most recent recall of Sienna's. Also in my line of work, I have realized that the Camry is probably one of the most funny vehicles on the road. It appears that Toyota's Door Handles leave much to be desired and they are dodging a recall on those.
I don't care what people buy, but the days of "Lexus, Honda and Toyota are the best cars on the road" are over. Most recently, the Fusion has kicked the Prius, Camry and Accord's arse in terms of quality and reliability. So your broad statement regarding "American companies" was a tad bit off base.
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I don't care what people buy, but the days of "Lexus, Honda and Toyota are the best cars on the road" are over. Most recently, the Fusion has kicked the Prius, Camry and Accord's arse in terms of quality and reliability. So your broad statement regarding "American companies" was a tad bit off base.
Well the word hasn't got out.
Top 10
6 are Japanese
3 are Chev
1 is Ford
http://autos.aol.com/gallery/best-selling-sedans?ncid=webmail
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I'm talking about the most recent recall of Sienna's. Also in my line of work, I have realized that the Camry is probably one of the most funny vehicles on the road. It appears that Toyota's Door Handles leave much to be desired and they are dodging a recall on those.
I don't care what people buy, but the days of "Lexus, Honda and Toyota are the best cars on the road" are over. Most recently, the Fusion has kicked the Prius, Camry and Accord's arse in terms of quality and reliability. So your broad statement regarding "American companies" was a tad bit off base.
BlueJ1 said, "But, after this I will be going back to something made stateside." Italics are mine.
I was pointing out that Toyota Financial and most US Toyota cars are "made stateside." Over 28,000 US employees working at nine manufacturing plants, dealers and Toyota Financial would probably appreciate it if people bought their cars. I also said it was sarcastic. ;)
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Well the word hasn't got out.
Top 10
6 are Japanese
3 are Chev
1 is Ford
http://autos.aol.com/gallery/best-selling-sedans?ncid=webmail
According to AOL. Post it again and it will be just as much of a non-factor.
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Yes, it's true, folks, Toyota makes Krap Kars and will treat you like a lackey. They'll bend you over without the courtesy of so much as a reacharound.
Actually, given that my wife is in the Keiretsu, I can tell you that Toyota routinely buries items as TSBs that rightfully should be recalls. I'm not sure how they get away with it but I'm aware of a couple of cases recently in which they spiked potential recalls on safety-critical parts by means of complimentary servicing on vehicle brought in on other matters. NHTSA says safety-related issues demand recalls.
In any case, what should be always clear is that I am here to help my AH friends find their way into any of our fine line of Ford/Lincol/Ford Truck vehicles. Believe me, it'll help your buying and service experience to have a friend in corporate. Often, I find that people are not aware of the processes we offer to ensure customer satisfaction (e.g., the service escalation process).
Anyway, feel free to PM me if you need help with a purchase or service issue. It's a courtesy I always extend to people I know.
And remember (this was not always true): Ford Good, Toyota Baaa-aa-aa-aa-ad.
Don't even get me started on what a POS the Tundra is.
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Yes, it's true, folks, Toyota makes Krap Kars and will treat you like a lackey. They'll bend you over without the courtesy of so much as a reacharound.
Actually, given that my wife is in the Keiretsu, I can tell you that Toyota routinely buries items as TSBs that rightfully should be recalls. I'm not sure how they get away with it but I'm aware of a couple of cases recently in which they spiked potential recalls on safety-critical parts by means of complimentary servicing on vehicle brought in on other matters. NHTSA says safety-related issues demand recalls.
In any case, what should be always clear is that I am here to help my AH friends find their way into any of our fine line of Ford/Lincol/Ford Truck vehicles. Believe me, it'll help your buying and service experience to have a friend in corporate. Often, I find that people are not aware of the processes we offer to ensure customer satisfaction (e.g., the service escalation process).
Anyway, feel free to PM me if you need help with a purchase or service issue. It's a courtesy I always extend to people I know.
And remember (this was not always true): Ford Good, Toyota Baaa-aa-aa-aa-ad.
Don't even get me started on what a POS the Tundra is.
What about Hyundai and their 100,000 mile powertrain warranty? What about Nissan and their all-electric leaf? What about Honda? My mom has an Accord and the thing is built like a tank. Over 100,000 miles on it and the only damage is to the exterior (big scrape on the front bumper). It still pulls 29 mpg, only falling 3 mpg from the day it was purchased.
There's a lot to be said for import cars, i.e. BMW, Volkswagen, Mercedes Benz, Honda, Hyundai, and a myriad of high-end companies (Lotus, Ferrari, etc.). They're good companies, and they all have their faults. Just because it's US made doesn't make it any better- a piece of garbage from Germany is just as useless as a piece of garbage from Japan, China, or the US.
-Penguin
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According to AOL. Post it again and it will be just as much of a non-factor.
The top selling vehicles are trucks, but the top selling cars are from Toyota.
Since you sluff of AOL, http://online.wsj.com/mdc/public/page/2_3022-autosales.html
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Never had a problem with Toyota financial before. Paid my truck off, no issues. Missed the first payment for my wife's car because the dealership didn't put the apartment number down and I was working nights, she days, both thinking the other had gotten the letter and paid it. Called Toyota financial and explained, gave them the correct address, made the payment, no problems.
sounds like you're making an excuse. everything's computerized.....that couldn't have happened. :noid
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What about Hyundai and their 100,000 mile powertrain warranty? What about Nissan and their all-electric leaf? What about Honda? My mom has an Accord and the thing is built like a tank. Over 100,000 miles on it and the only damage is to the exterior (big scrape on the front bumper). It still pulls 29 mpg, only falling 3 mpg from the day it was purchased.
There's a lot to be said for import cars, i.e. BMW, Volkswagen, Mercedes Benz, Honda, Hyundai, and a myriad of high-end companies (Lotus, Ferrari, etc.). They're good companies, and they all have their faults. Just because it's US made doesn't make it any better- a piece of garbage from Germany is just as useless as a piece of garbage from Japan, China, or the US.
-Penguin
friend had a safari. gmc. went nearly 690k miles on it.
and there's this......a mercury, which is in fact a ford.
http://retrorenovation.com/2009/07/02/rachel-and-her-1964-comet-caliente-time-capsule/
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The top selling vehicles are trucks, but the top selling cars are from Toyota.
Since you sluff of AOL, http://online.wsj.com/mdc/public/page/2_3022-autosales.html
whose trucks?
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whose trucks?
You didn't read the link? ;) Ford F150 #1 and Chev #2.
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You didn't read the link? ;) Ford F150 #1 and Chev #2.
i knew the answer. i just wanted to make ya type it here. :devil :aok
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Blah blah blah made in the USA blah blah blah...
So they didn't send an elite squad if Japanese happy ending specialists then? Sorry BlueJ.
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What about Hyundai and their 100,000 mile powertrain warranty? What about Nissan and their all-electric leaf? What about Honda? My mom has an Accord and the thing is built like a tank. Over 100,000 miles on it and the only damage is to the exterior (big scrape on the front bumper). It still pulls 29 mpg, only falling 3 mpg from the day it was purchased.
There's a lot to be said for import cars, i.e. BMW, Volkswagen, Mercedes Benz, Honda, Hyundai, and a myriad of high-end companies (Lotus, Ferrari, etc.). They're good companies, and they all have their faults. Just because it's US made doesn't make it any better- a piece of garbage from Germany is just as useless as a piece of garbage from Japan, China, or the US.
-Penguin
We weren't talking about those companies. There is much to recommend Honda's powertrains. Say I, they make the best low-displacement engines in the world - and I can back up my assertion with data. That's something I know you're not going to be able to do with regard to your general question about the ridiculous Nissan Leaf. I used to work in EVs. There's a fundamental drawback to carrying your own oxidizer that air-breathers do not share.
Tell me, how much would you be willing to pay for a vehicle that has less than hundred mile range between lengthy recharges, limited cargo space and performance, and dubious safety bonafides? Care to take a couple of weeks to drive cross-country? Two words w/r EVs: commercially infeasible. That'll obtain until there is a technological breakthrough in batteries. Volt gets around the limited range issue, at least, by going serial hybrid. Even so and even with a large subsidy, GM has only managed to crap out but a few: http://money.cnn.com/2011/02/01/autos/volt_vs_leaf_sales/index.htm
US-made, as a rule, I agree, says little. UAW, otoh, has become a bit of a badge of shame. However, and I won't say much here, if you look at the way we do production now, the UAW might just be "incentivized".
As for Hyundai, yes, they've been buying share. All my reports says that's what they're doing in both material cost and warranty terms. Th eonly mystery to me is how they're covering the shortfall.
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Been following this thread, and I'm really glad to hear that news. <S> for keeping your cool during all this, especially when you were getting trolled here by someone with too much free time (although in the grand scheme of things, he was just a minor annoyance). Glad to hear it worked out, and I'll keep all this in mind next time I'm looking for a car.
:salute
:lol Just because I don;t believe his story and you don;t agree with me, it does not mean I am trolling. Maybe it is the way he writes that makes me not buy it.
However, it looks like it was easily resolved so I guess I do have a point eh? Toyota was never out to get any one.
And no, I still don't buy it. Not a troll, just what I think. You are all for having opinions as long as they are the same as yours right? :lol
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Blah blah blah made in the USA blah blah blah...
So they didn't send an elite squad if Japanese happy ending specialists then? Sorry BlueJ.
It's not a thread until somebody refs the Money Shot... :aok
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:lol Just because I don;t believe his story and you don;t agree with me, it does not mean I am trolling. Maybe it is the way he writes that makes me not buy it.
However, it looks like it was easily resolved so I guess I do have a point eh? Toyota was never out to get any one.
And no, I still don't buy it. Not a troll, just what I think. You are all for having opinions as long as they are the same as yours right? :lol
Just play along, Dedalos. Sure, the guy could've made this krap up, but it serves my interests - and my interests and America's interests are inseparable, see?
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What about Hyundai and their 100,000 mile powertrain warranty? What about Nissan and their all-electric leaf? What about Honda? My mom has an Accord and the thing is built like a tank. Over 100,000 miles on it and the only damage is to the exterior (big scrape on the front bumper). It still pulls 29 mpg, only falling 3 mpg from the day it was purchased.
There's a lot to be said for import cars, i.e. BMW, Volkswagen, Mercedes Benz, Honda, Hyundai, and a myriad of high-end companies (Lotus, Ferrari, etc.). They're good companies, and they all have their faults. Just because it's US made doesn't make it any better- a piece of garbage from Germany is just as useless as a piece of garbage from Japan, China, or the US.
-Penguin
if i'm not mistaken, the feds require 10 year/100k mileage coverage on emission related components. that would include the entire drivetrain.
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Just play along, Dedalos. Sure, the guy could've made this krap up, but it serves my interests - and my interests and America's interests are inseparable, see?
Did you mean he serves your interests? I kind of got that. If the guy was not in the Navy people would not have been as sympathetic. Its like an automatic good guy. In my opinion it comes down to why anyone joins. Some should be admired by everyone and some not. The uniform does not make the person. Its the person that makes the uniform.
But, maybe I did not get what you meant by "it". Sorry if I did.
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if i'm not mistaken, the feds require 10 year/100k mileage coverage on emission related components. that would include the entire drivetrain.
Not quite. More info on the details of the emissions warranty are readily available online.
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The only thing that works is to send registered letters to as many executives as you can find. Force them to sign for the letter. That would get them to read them. Right now some secretary is probably throwing them away.
That been said, I still don;t buy your story. For 3 months you did not notice that you had an extra 570$ in your account? What you fail to understand is that you were responsible for those payments you did not make. Good luck to you. There will always will be people looking for a sad story to listen too. Next time make the payments and the big bad wolf will not bother you. Funny is that you have security clearance and we trust you with some good stuff but you cant figure out that your salary basically doubled for 3 months :lol
did you guys even read the account of what happened??/ they were taking the freakin money and not applying it to the loan,sounds illegal as hell to me.I think the Navy doesnt want you to goto the press because they might look bad???I will never buy anything from toyota
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did you guys even read the account of what happened??/ they were taking the freakin money and not applying it to the loan,sounds illegal as hell to me.I think the Navy doesnt want you to goto the press because they might look bad???I will never buy anything from toyota
sounds like a computer problem to me. i doubt it was done deliberately.....