To whom it may concern:
Let me start from the beginning on June 04,2008 I called a salesman at Schaumburg Kia named Christopher about a 2007 Ford Mustang Convertible and I stated if it was ok I would like to hold off running a credit check on me that day. Christopher stated come on in Mr. Sottile we don't have to run a credit check on you today, but we will need too Mr. Sottile you do understand that ? My response was yes.
A bank was contacted and I was given a interest rate, a monthly payment, monthly terms and conditions and a final payout pertaining to my loan. I was then brought into Brian the finance manger office were I signed a retail installment agreement, an odometer diclosure statement, an after market warranty, a vehicle purchase order, and a state title and plate purchase document. I also signed a Spot delivery agreement, Why? A spot delivery agreement gives a dealership a legal out pertaining to the contractual agreements signed by them and the consumer. Why did I sign the spot delivery agreement? I wasn't having my credit run that day. What was the terrms and conditions of my spot delivery agreement? five days. Please remember this, I was given the original signed spot delivery agreement by myself and Brian in finance at Schaumburg Kia.
Well the five days came and went, then ten days came and then fifteen days came and went. On June 19,2008 I was left a voicemail on my cell that was anything less than understandable. From what I could understand It sated we can't loan you. I immediatley e-mailed Schaumburg Kia back due to the fact I was out of town and stated, what are you talking about this should have already been done, why? My original spot delivery agreement stated you only had five days to null and void the terms and conditions of our signed contractual agreements.
To finalize,Schaumburg Kia forged my signature on a spot delivery agreement which stated a no-day contingency. Can I prove this? yes, I have the original.
Pros: None
Cons: watch your back
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