My elderly dad was severely taken advantage of - Page 3 - GoFuckYourself.com

Colmike9 · 03-11-2016, 12:11 PM

Quote:

Originally Posted by DonJon69

Seriously, i'm in new jersey too. This has happened to me and lots of friends.
Don't worry. Don't pay.
One day when u wake up, the car will be gone.
Even if they try and sue, what they gonna sue for? They have the car back. They won't waste the time, They would rather take the time to sell the car again or whatever they do with it.
And they can never touch his social security.

Yep. And they'll probably say that there is still money owed, but at some point they'll take old debt and sell off cheap to collection agencies. Then they'll just call and make up stories about being arrested and other shit if he doesn't pay from some Somalian jerk at a call center lying just to get paid, so don't pick up.. That's all that might happen. If he needs his credit in the future, just explain the story of why it's showing up at the time and they probably won't care, esp. if it's the only bad thing on his credit.

If I could, though, I would try to hurt their business with this..

Choopa Phil · 03-11-2016, 12:11 PM

Good lord he pays more on his car interest rate than I do on my credit card. Refinancing that loan to a 3.9 or better would drop the monthly by $100+

Colmike9 · 03-11-2016, 12:14 PM

Quote:

Originally Posted by Choopa Phil

Good lord he pays more on his car interest rate than I do on my credit card. Refinancing that loan to a 3.9 or better would drop the monthly by $100+

It's because he was old..

Google Expert · 03-11-2016, 12:17 PM

Don't buy shit if you can't afford it.

/thread

MakeMeGrrrrowl · 03-11-2016, 12:48 PM

Quote:

Originally Posted by Muad'Dib

Don't buy shit if you can't afford it.

/thread

He wouldn't have if the dealership didn't lie on his income. They would have been honest and said, unfortunately you can't afford to get a loan here and there's nothing we can do for you.

He would have left with his car and that would have been that.

Instead they lied about his income and got him a loan that he in no way could ever afford.

OneHungLo · 03-11-2016, 12:53 PM

Quote:

Originally Posted by MakeMeGrrrrowl

He wouldn't have if the dealership didn't lie on his income.

If that's the case, I'd use that for ammo. There must be some banking laws against them falsifying information to obtain a loan, right?

Google Expert · 03-11-2016, 12:59 PM

Quote:

Originally Posted by MakeMeGrrrrowl

He wouldn't have if the dealership didn't lie on his income. They would have been honest and said, unfortunately you can't afford to get a loan here and there's nothing we can do for you.

He would have left with his car and that would have been that.

Instead they lied about his income and got him a loan that he in no way could ever afford.

Let me clarify: don't buy shit if you need to get a loan for it.

TCLGirls · 03-11-2016, 01:01 PM

Quote:

Originally Posted by Colmike7

What would they do if he didn't pay, then?

I'm in Ohio. But let's say that they do put it on his credit record or something. Just go out and get another car, with someone else there of course, that is within his price range, before the bs from the other car is potentially on his record. Give the first car back, deal with the mark on the record if any, then be happy with the new cheaper car.

The finance company could get a court order and garnish the father's social security income.

TCLGirls · 03-11-2016, 01:02 PM

Quote:

Originally Posted by Muad'Dib

Let me clarify: don't buy shit if you need to get a loan for it.

That would destroy the economy genius.

Google Expert · 03-11-2016, 01:21 PM

Quote:

Originally Posted by TCLGirls

That would destroy the economy genius.

Keep being a moron.

ctggls · 03-11-2016, 01:32 PM

So what the trick that made the income so huge compared to what your dad is actually making? It seems like a really big difference...

arock10 · 03-11-2016, 01:46 PM

Doesn't look like New Jersey is on this list but there still maybe something along these lines there
http://www.ncsl.org/research/financi...013-legis.aspx

Choopa Phil · 03-11-2016, 02:01 PM

At this point its a he said she said type situation. Her father knew the sales guy fudged his income on the documents and or he did not read what he signed. Leads me to believe you will be stuck with the car since documentation was hastily signed, sealed, and delivered back to the dealer. I still don't understand why he went in looking for a new car to begin with when he owed $6500 on his current vehicle + being on fixed income.

Sunny Day · 03-11-2016, 02:07 PM

Immediately contact a lawyer,
Contact the state attorney general's consumer fraud department.
Contact the Consumer Financial Affairs Bureau.

Quit listening to crap here, as to if your dad dies, you owe. A lot of that has to do with each state laws and federal consumer and bankruptcy laws.

My mom died and the credit card companies walked way from her debt.

Bryan G · 03-11-2016, 02:15 PM

Quote:

Originally Posted by Muad'Dib

Let me clarify: don't buy shit if you need to get a loan for it.

Do you own a home? Generally most need a loan to buy a house. But let me guess you're a baller right?

arock10 · 03-11-2016, 02:31 PM

Quote:

Originally Posted by Choopa Phil

At this point its a he said she said type situation. Her father knew the sales guy fudged his income on the documents and or he did not read what he signed. Leads me to believe you will be stuck with the car since documentation was hastily signed, sealed, and delivered back to the dealer. I still don't understand why he went in looking for a new car to begin with when he owed $6500 on his current vehicle + being on fixed income.

See if any of these bills like this apply and made it through http://www.njleg.state.nj.us/2012/Bills/A1000/635_I1.HTM

My gfy lawyer rates are too high to do this pro bono

Penny24Seven · 03-11-2016, 02:33 PM

Quote:

Originally Posted by Muad'Dib

Don't buy shit if you can't afford it.

/thread

Do you even read the threads or just post to post shit?

Penny24Seven · 03-11-2016, 02:36 PM

Quote:

Originally Posted by Muad'Dib

Let me clarify: don't buy shit if you need to get a loan for it.

LOL what? One of my cars cost 50K, I make a hell of a lot more money with that 50K than I would if I paid cash for the car just to save on interest.
Even people with millions sitting around know better because they can make money with their money.

Choopa Phil · 03-11-2016, 02:40 PM

Quote:

Originally Posted by arock10

See if any of these bills like this apply and made it through A635

My gfy lawyer rates are too high to do this pro bono

Except based on the OP's conversation with her father he did in fact know his financials were lied about. Making him an accessory to this case. Not to mention now the OP is aiding an abetting in this crime.

MakeMeGrrrrowl · 03-11-2016, 03:30 PM

Quote:

Originally Posted by Choopa Phil

At this point its a he said she said type situation. Her father knew the sales guy fudged his income on the documents and or he did not read what he signed. Leads me to believe you will be stuck with the car since documentation was hastily signed, sealed, and delivered back to the dealer. I still don't understand why he went in looking for a new car to begin with when he owed $6500 on his current vehicle + being on fixed income.

If you try to understand why he does what he does, you will start to become crazy like he's making me.

After I called the doctor today to follow up his appt, they said while he's their favorite patient, I need to start coming to appts with him. Womp.

Choopa Phil · 03-11-2016, 03:34 PM

Quote:

Originally Posted by MakeMeGrrrrowl

If you try to understand why he does what he does, you will start to become crazy like he's making me.

After I called the doctor today to follow up his appt, they said while he's their favorite patient, I need to start coming to appts with him. Womp.

As I previously mentioned I am going through the same thing with my grandmother so I can relate. But his previous actions/forgetfulness should have been a sign. You really should be and should have been power of attorney for this very reason. Especially knowing hes not with it all the time. All it takes is one time...aka what you're going through now. Its unfortunate and I hope you guys resolve this but based on what you're telling me and the fact that lawyers aren't calling you back means that you don't have much of a case.

MakeMeGrrrrowl · 03-11-2016, 03:36 PM

Quote:

Originally Posted by Choopa Phil

Except based on the OP's conversation with her father he did in fact know his financials were lied about. Making him an accessory to this case. Not to mention now the OP is aiding an abetting in this crime.

He said yes, he finally agreed to the salesperson fine okay if you say I have an extra 600.00 a month then I do.

My dad said, I knew what he wanted me to say, he was shaking his head and winking at me. So I said what he wanted me to say.

But still adding 600.00 would have made his income 2055.00.

They came up with this astronomical 4368.00 per month that he makes saying he gets a pension. Yet had to use two credit cards and took 300.00 out of his bank leaving him only 87.00 for the rest of the month til he got his SS so they could get 1000.00 down payment.

If someone gets 4368.00 per month, and they get it on the 3rd, by the 16th they aren't going to have 1,000 to put down on a car? 2 credit cards and 300.00 from the bank account?

They knew what they were doing. I am SURE the sales person figured I was going to just pay it for him.

TheSquealer · 03-11-2016, 04:16 PM

Quote:

Originally Posted by MakeMeGrrrrowl

He wouldn't have if the dealership didn't lie on his income. They would have been honest and said, unfortunately you can't afford to get a loan here and there's nothing we can do for you.

He would have left with his car and that would have been that.

Instead they lied about his income and got him a loan that he in no way could ever afford.

You previously describe the behavior of someone suffering from early dementia of some form. With that information and the fact that the credit application was fraudulent, you could likely just tell them both facts and advise them that unless they remedy the situation, you are going to the state attorney generals office and every other applicable regulatory body as well as the lender and local media.

People fake that kind of info on a loan document and rarely stop to consider that depending on the state, they are committing several felonies. Various types of fraud relating specifically to economic crimes (Fraudulently obtaining credit with intent to....), mail fraud, wire fraud etc (depending on how docs were handled) etc etc.

I would go into scorched earth mode and demand they fully remedy the situation with a well researched, well thought through, well laid out and terrifying argument.

I actually had a commercial lease agreement not too long ago, where the agent made up fake tax forms in my name, marked them "filed copies" to indicate they were filed with the IRS and then submitted them to the building owner as well as faked a lot of financials (using numbers he needed, rather than just asking me for the info). I didn't realize until after the deal was done, what he had done. Once i started asking questions and as they weren't doing the improvements agreed to in the lease, I scared the shit out of him to the point he was going to leave the state. It's not the same as just ripping me off, but the point is that these are incredibly serious and game ending crimes, not to mention the civil liability,

The Porn Nerd · 03-11-2016, 04:28 PM

Your dad could also 'accidently' crash that car right into the Dealership's front window.

Remind him to wear his seat belt, of course.

Google Expert · 03-11-2016, 04:34 PM

Quote:

Originally Posted by Brian837

LOL what? One of my cars cost 50K, I make a hell of a lot more money with that 50K than I would if I paid cash for the car just to save on interest.
Even people with millions sitting around know better because they can make money with their money.

You dont have shit sitting around. You are a broke ass loser, that's why you have to borrow money to buy something.

Here's a tip: stop being a consumer whore if you can't afford it.

sarettah · 03-11-2016, 04:35 PM

Quote:

Originally Posted by The Porn Nerd

Your dad could also 'accidently' crash that car right into the Dealership's front window.

Remind him to wear his seat belt, of course.

And make sure he has full coverage on the insurance so they pay off the loan

.

sarettah · 03-11-2016, 04:36 PM

Call this guy:

.

arock10 · 03-11-2016, 04:55 PM

Quote:

Originally Posted by Choopa Phil

Except based on the OP's conversation with her father he did in fact know his financials were lied about. Making him an accessory to this case. Not to mention now the OP is aiding an abetting in this crime.

Again I'm not a lawyer, but the elderly is a protected class and this I would consider predatory lending which the government REALLY dislikes these days

TCLGirls · 03-11-2016, 05:18 PM

Quote:

Originally Posted by Muad'Dib

You dont have shit sitting around. You are a broke ass loser, that's why you have to borrow money to buy something.

Here's a tip: stop being a consumer whore if you can't afford it.

Here's a tip you ignorant slut: the entire economy depends on loans, whether it is consumer car loans, home loans, small business loans etc. If people took your stupid advice, everyone would be living in cardboard boxes and accessing the internet at the public library just like you.

johnny o · 03-11-2016, 05:26 PM

go to the local news and let them know.

03-11-2016, 12:11 PM	#102
Choopa Phil Confirmed User Join Date: Apr 2009 Posts: 3,965	Good lord he pays more on his car interest rate than I do on my credit card. Refinancing that loan to a 3.9 or better would drop the monthly by $100+ __________________ AIM - Choopa Phil Email - [email protected] A World Wide Leader In Hosting! * CHOOPA.COM *

03-11-2016, 01:46 PM	#112
arock10 Confirmed User Join Date: Jan 2006 Posts: 6,218	Doesn't look like New Jersey is on this list but there still maybe something along these lines there http://www.ncsl.org/research/financi...013-legis.aspx __________________ Sup

03-11-2016, 02:01 PM	#113
Choopa Phil Confirmed User Join Date: Apr 2009 Posts: 3,965	At this point its a he said she said type situation. Her father knew the sales guy fudged his income on the documents and or he did not read what he signed. Leads me to believe you will be stuck with the car since documentation was hastily signed, sealed, and delivered back to the dealer. I still don't understand why he went in looking for a new car to begin with when he owed $6500 on his current vehicle + being on fixed income. __________________ AIM - Choopa Phil Email - [email protected] A World Wide Leader In Hosting! * CHOOPA.COM *

03-11-2016, 02:07 PM	#114
Sunny Day Confirmed User Industry Role: Join Date: Dec 2010 Posts: 1,406	Dad Immediately contact a lawyer, Contact the state attorney general's consumer fraud department. Contact the Consumer Financial Affairs Bureau. Quit listening to crap here, as to if your dad dies, you owe. A lot of that has to do with each state laws and federal consumer and bankruptcy laws. My mom died and the credit card companies walked way from her debt.

03-11-2016, 04:28 PM	#124
The Porn Nerd Living The Dream Industry Role: Join Date: Jun 2009 Location: Inside a Monitor Posts: 19,510	Your dad could also 'accidently' crash that car right into the Dealership's front window. Remind him to wear his seat belt, of course. __________________ My Affiliate Programs: Porn Nerd Cash \| Porn Showcase \| Aggressive Gold Over 90 paysites to promote! Now on Teams: peabodymedia

03-11-2016, 12:17 PM	#104
Google Expert Webmaster Industry Role: Join Date: Jun 2004 Posts: 14,295	Don't buy shit if you can't afford it. /thread

03-11-2016, 01:32 PM	#111
ctggls Confirmed User Industry Role: Join Date: Aug 2012 Posts: 898	So what the trick that made the income so huge compared to what your dad is actually making? It seems like a really big difference...

03-11-2016, 04:36 PM	#127
sarettah see you later, I'm gone Industry Role: Join Date: Oct 2002 Posts: 14,058	Call this guy: . __________________ All cookies cleared!

03-11-2016, 05:26 PM	#130
johnny o Confirmed User Industry Role: Join Date: Jul 2006 Location: los angeles Posts: 825	go to the local news and let them know. __________________ http://candydreams.com info[at]candydreams[dot]com