December 3, 2010 I purchased a 2003 Dodge Durango for $10,070.00. I was paying $329.73 per month. The car broke down several times. I talked with (NAME) and he said he would have his guy fix it for $500.00 and I can pay $250.00 (car payment) plus $100.00 per month for the work done. The car caught on fire September 24, 2010. I went to pay off the car and he said I owed him now for sales tax plus the rest of the payments on the car and it is $6,570.00. I don't owe him that much. He will not provide me with a contract showing what I owe. He also can't explain why I had to pay the extra money per month. When I asked him he said it was a processing fee for my payment. Do I have to pay him that money if I don't have a contract? I have sent in all the receipts and repairs to the BBB. I only owe $3,430.00 My insurance company wants to settle this and send him a check but that isn't the right amount and his name is on the lien. I only have rental insurance until October 24, 2012 and I don't have any other way of getting transportation. I'm 73 years old and don't think he has treated me right. I need to purchase another car and can't until this is settled. Please help me.
I want to pay $3,400.00 and be done with this. I'm sending in all of my paperwork. I want to know if that is right that he charged me all that money as a processing fee also. I don't think that's right that he can't find the contract and wants $6,570.00 instead of $3,430.00. Why doesn't he have to prove this?
Business' Initial Response
1. See attachment #1 (Finance Agreement) that explains all cost and total payment at the end of contract.
2. See attachment #2 that show's Ms. ****** put NO money down on this Durango, because Mr. ****** felt sorry for her and she had bought 3 autos prior to this sale and paid them off. It is not, was not, nor will it ever be the policy of Northtown Motors to sell any auto with no money down. The org. price of the auto was $9995.00 + fees/charges noted on the buy order (attachment #2).
3. See attachment #3 Ms. ******'s pay sheet/ payment history as you can see she was scheduled to make 36 payments at $329.73 starting on 12/3/10. As of this date she should have made 24 of the 36 payments due but as you can see she only made 21 and 6 of that 21 pmts was less than what was due. Also note on attachment #1 there is a $25.00 late charge that should have been added to each and every payment, but that did not accrue, Mr. ****** was nice enough to wave that fee due to Ms. ****** being a return customer.
4. Ms. ****** has a copy of each and every piece of paperwork that pertained to this deal.
5. We have no record of these break downs Ms. ****** is speaking of please see attachment # 4 & 5 that show any repairs known to Northtown Motors. Attachment # 4 was due to a car wreck on 3/16/12 and this was covered by insurance, and Attachment # 5 was to check battery and breaks on 1/4/12.
6. If you will note Attachment #6 a copy of Ms. ******'s MDL # TXXXXXXXXX she is clearly mistaken about her age she was born in 1952 so that would mean she turned 60 this year on her birthday in July, not 73. That is unless she falsified state document.
7. The pay off remains the same $5150.00, when that amount is paid we will release the lean and the title.
There is not a spote to enter my attachments so I will fax them
Almost all recipts apear to be correct, we will be faxing in doc. from files on Tues 11/13/12
02/04/2013: Mediator left message for consumer.
02/05/2013: Mediator left message for consumer.