A.T.M. Motors, Inc.

In response to the complaint, let's just state the facts of the contract at hand:$(4.05% of the Base Price and ProcFee ($100) goes to Virginia DMV$plus $goes to Virginia DMV$goes to the City of *** for Dealer Business License Tax$Online System
Filing Fee goes to DealerTrack to do the Title work onlineNone of that goes to the dealership.NOW - $2,was the down payment that he agreed to paySince we do not do credit checks - the down payment is the beginning of the customer's credit with ATM MotorsAlso, the Buyer's Order was signed in the "As Is" only Section to the Left of the form which states, "I understand that the vehicle is being sold "As Is" with all faults and is not covered under any dealer warranty...." (which he signed)He also signed the buyer's guide which states, "You will pay for all costs for any repairs." in bold and all capsThe Customer Delivery agreement and Accepted Conditions Confirmation form was signed and initialed #- that he was offered and had the opportunity to test drive the vehicleAnd the vehicle described inspected by any mechanic of his choice.If he thinks that any money should be refunded, every is stipulated and told to the customer up-front.NOW - Lets go to the payment according to the Retail Installment Contract - The DMV total of $which is stated on the Retail Installment Contract was due on 03/05/Mr*** came in and paid on 03/09/(Just to mention, when the customer does not pay the Tax, Tags and Title Work within the days, I, *** *** (co-owner) has to pay it on the 30th day)1st payment due of $on 03/05/was not paidOn 03/24/Mr*** made a partial payment of $And then on 04/06/he came in and paid the other 1/of $So now the total of the very first payment is paid in full.SO NOW, Let's go to the payment arrangement that me and Mr*** agreed to: He came in and said that the vehicle needed a coil pack - which he claim he paid (he showed me a receipt from *** - not sure if it was an estimate or paid)I informed Mr*** that I was not responsible for any repairs to his vehicleHe was upset and left out of the building and stated, "The vehicle has full coverage insurance and it might hit a tree!" and I have a witnessHe came back and apologized for the attitude and the statementI agreed that we could work out some arrangement that we both agreed would help him out to be able to keep the vehicleThis was on - 02/27/- Title Work would be paid on 03/06/and 1/payment of $on 03/20/AND I would waive the late fee of $Then, April's payment due on 04/05/would be paid on-time (according to his pay period (he was getting paid bi-weekly), then 1/payment of $two weeks after and I would waive any more late feesWhich would be two full payments after the agreement was settled (March and April 2015).After we made this agreement I typed it in the customer's account and he agreedSince that agreement Mr*** quit his job with *** and is now employed with *** *** (which is told us)Which if he admits messed up the payment arrangement but insist on blaming it on me.So on 04/20/- I called Mr*** and told him that he did complete his payment arrangement and I needed to have the payment in on that dayHe proceeded to tell me that he did not have the payment until he got paid at *** on Friday and could not come in until Saturday and again stated to me that the vehicle was in the shop because according to him he told me that the vehicle was still not running rightSo from there I hung up the phone and sent out the repossession orderHe was days past due.According the the Retail Installment Contract that he referenced to on Page of - "Failure to Pay, Default and RepossessionIf you fail to pay any payment within days after it is due according to the payment schedule or if you breach any of the agreements in this contract, you are in default, and the creditor may declare the unpaid balance of your indebtedness immediately due and payable less any refund of part of the finance charge figured the same....." which bring his totals to $6,($6,+ $- late fee = $$6,+ $repo fee (which he signed the notice for that too)The finance charge that was deducted is $844.35.AND with all that being said - I had to call the police on Mr***, just last Friday, April 24, when he came to clean out the vehicle because he claimed that we took $from his glove compartmentIf there are any favors that he wants me to do - I am not inclined to help him in any wayI want to stick to the contract that is written, legal and binding because according to me - he is not a man that follows through accuratelyEvery thing that we have stated to Mr*** is never correct when he does not comply.Any questions, please Revdex.com - call not Mr*** because we have already been through this same statement several times.*** ***

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Half of the things Mrs. [redacted] mentioned are not true. The fact remains that from March to April I paid $780.00 dollars. Mrs. [redacted] stole the car from me while I was working. I was in so much shock that the next morning I scraped up $350.00 which she refused to accept, even though I was never really behind on my payment. She then stated I had to pay the total amount left on the car to get it back which she said was still $6649.00 I knew something was very wrong, and apparently it is Mrs. [redacted]s ethics.It clearly states in the contract that tags, title, registration and sales tax are included in the total amount financed, the remaining balance. Why would I pay said fees two times? I have my supporting documents ready. It is widely known that A.T.M has done this to a lot of people and gotten away with it. No matter where I work I pay my bills and the fact that I changed my job is my business. I am collage educated and pursuing the curriculum of my field which pays more than the job I resigned from. I'm sure Mrs. [redacted] has no idea what I am speaking of because it isn't her business apparently ripping off people is. I have my degree and I can furnish that too along with my other documents when the need arises.

You better run from this lemon lot. My friend bought a jeep patriot from them. In lesd than six months it has been in the shop 3 times for major work. First time was an alternator, second time was a fuel pump and now a computer. The are money grubbing people who don't care about there customers. You better run, run,run. Used to be stand up kinda business before.

Review: Went to make payment already had already sent out repo order they told me I had to pay $250 for the repo guy but he did not pick up my vanDesired Settlement: I wanna give them the payment but not the repo fee

Business

Response:

Response:

The contract that Ms. [redacted] signed states "If you fail to pay any payment within ten days after it is due according to payment schedule or if you breach any of the agreements on the contract, you are in default, and the creditor may declare the unpaid balance in your indebtedness immediately due and payable less any refund of part of the finance charge figured the same as if you had prepaid in full under the prepayment refund clause." With all that being said, Ms. [redacted]'s account went 10-16 days late in the months of June, July August and September. October's payment was due on Nov. 4th and is 28 days late (which is what the complaint is filed for). She had a repossession in September and had to pay the $250 repo fee. And so, she was hiding the vehicle since the repo order was sent out on November 18th (which is 14 days after the due date). Most of the times, once my customer's have experienced a repossession - they tend to switch vehicles with friends and/or family to keep us from finding the vehicle until they can come up with a single payment. Instead of asking Ms. [redacted] to pay the balance in full as the contract states that I can do. I asked her to pay the payment that is past due, the payment that is coming due and the repo fee that MUST be paid to the repo service when the pick up the paperwork from me, which I paid on November 18th. Also, Ms. [redacted] does not have full coverage on the vehicle which she is required to keep until the vehicle is paid off. We sent her out a letter on November 7th, 2013, hoping that she would come in and avoid the repossession (since she already experienced one).

Review: On 2/3/2015 I purchased 07 BMW 530xi from ATM motors a buy here pay here mom and pop dealership. I gave ATM motors $2900.00 as a down payment on the $8995.00 vehicle which left $6095.00. According to our Retail Installment Contract, lines E. F. and G. the fees of VA sales tax($368.35) Business License tax($18.19) Tags($13.00) Registration($40.75) and Online filling($10.00) which totals $550.29 was added to the total amount financed which left a balance of $6645.29. On 2/18/2015 the car broke down. On 2/19/2015 I went by the dealership and let them know the car is broke down and what I knew the problem was and asked how should I proceed. I then asked "could I performed the repairs myself and could they work with me on the first months payment" since a month had not passed since I had the car. Mrs. [redacted] replied "no" so I asked "what it I had the work done buy a shop you trust?" She agreed and then said my first payment is $780.00 which she said "was for my tags and title work and first months payment". It is not one single line in our contract that states $780.00 has to be paid on any date period. I put the car in the shop which is located less than a mile up the street and got it out on 2/24/2015. The next day I gave them a copy of the bill which was $324.42 for a bad coil. I asked could the $324 be deducted from my first months payment she said no but she is willing to let me pay $430.00 first for my tags and taxes and pay the remaining $350.00 in two installments of $175.00 apiece because I get paid biweekly I agreed. So I did, I paid the $430.00 on 3/7/2015 and then I paid the two payments of $175.00 one on 3/21/2015 and the other on 4/6/2015. On 4/20/2015 Mrs. [redacted] left a message while I was working for me to call them ASAP cause I was 15 days over due on my payment. The next day 4/21/2015 around 8:30 I called the dealership and told them I would be in that Saturday(4/25) to pay the $350.00 they agreed. That night while I was at work they repossessed the vehicle and left me stranded at work. On 4/22/2015 the next morning I borrowed $350.00 and went to get my car back. Mrs. [redacted] informed me of the fact that they are keeping the car until I pay $6645.00 and I have until 5/2/2015 to get it. During the month of March I paid a total of $780.00 for tags, title, sales tax, registration and one months payment, back to our contract lines E. through G. everything but the first months payment is included in the total amount financed. So actually I am ahead one month on my payments and $80.00 in on May's payment and I have supporting documentation to back up my claim and/or case.Desired Settlement: I want all my money back the $2900.00 for my down payment the $324.42 I paid [redacted] for the repairs and my $780.00 I paid in payments so $4004.00 in total and that is not including the $91.00 thermostat that I changed myself. The dealership should be shut down for fraud and breech of contracts.

Business

Response:

In response to the complaint, let's just state the facts of the contract at hand:1. $368.35 (4.05% of the Base Price and Proc. Fee ($100) goes to Virginia DMV2. $43.75 plus $10.00 goes to Virginia DMV3. $18.19 goes to the City of [redacted] for Dealer Business License Tax4. $10.00 Online System Filing Fee goes to DealerTrack to do the Title work onlineNone of that goes to the dealership.NOW - $2,900 was the down payment that he agreed to pay. Since we do not do credit checks - the down payment is the beginning of the customer's credit with ATM Motors. Also, the Buyer's Order was signed in the "As Is" only Section to the Left of the form which states, "I understand that the vehicle is being sold "As Is" with all faults and is not covered under any dealer warranty...." (which he signed). He also signed the buyer's guide which states, "You will pay for all costs for any repairs." in bold and all caps. The Customer Delivery agreement and Accepted Conditions Confirmation form was signed and initialed #4 - that he was offered and had the opportunity to test drive the vehicle. And the vehicle described inspected by any mechanic of his choice.If he thinks that any money should be refunded, every is stipulated and told to the customer up-front.NOW - Lets go to the payment according to the Retail Installment Contract - The DMV total of $429.10 which is stated on the Retail Installment Contract was due on 03/05/15. Mr. [redacted] came in and paid on 03/09/15 (Just to mention, when the customer does not pay the Tax, Tags and Title Work within the 30 days, I, [redacted] (co-owner) has to pay it on the 30th day). 1st payment due of $350 on 03/05/15 was not paid. On 03/24/15 Mr. [redacted] made a partial payment of $175. And then on 04/06/15 he came in and paid the other 1/2 of $175. So now the total of the very first payment is paid in full.SO NOW, Let's go to the payment arrangement that me and Mr. [redacted] agreed to: 1. He came in and said that the vehicle needed a coil pack - which he claim he paid (he showed me a receipt from [redacted] - not sure if it was an estimate or paid). I informed Mr. [redacted] that I was not responsible for any repairs to his vehicle. He was upset and left out of the building and stated, "The vehicle has full coverage insurance and it might hit a tree!" and I have a witness.2. He came back and apologized for the attitude and the statement. I agreed that we could work out some arrangement that we both agreed would help him out to be able to keep the vehicle. This was on - 02/27/15 - Title Work would be paid on 03/06/15 and 1/2 payment of $175 on 03/20/15 AND I would waive the late fee of $17.50. Then, April's payment due on 04/05/2015 would be paid on-time (according to his pay period (he was getting paid bi-weekly), then 1/2 payment of $175 two weeks after and I would waive any more late fees. Which would be two full payments after the agreement was settled (March and April 2015).After we made this agreement I typed it in the customer's account and he agreed. Since that agreement Mr. [redacted] quit his job with [redacted] and is now employed with [redacted] (which is told us). Which if he admits messed up the payment arrangement but insist on blaming it on me.So on 04/20/15 - I called Mr. [redacted] and told him that he did complete his payment arrangement and I needed to have the payment in on that day. He proceeded to tell me that he did not have the payment until he got paid at [redacted] on Friday and could not come in until Saturday and again stated to me that the vehicle was in the shop because according to him he told me that the vehicle was still not running right. So from there I hung up the phone and sent out the repossession order. He was 17 days past due.According the the Retail Installment Contract that he referenced to on Page 3 of 4 - "Failure to Pay, Default and Repossession. If you fail to pay any payment within 10 days after it is due according to the payment schedule or if you breach any of the agreements in this contract, you are in default, and the creditor may declare the unpaid balance of your indebtedness immediately due and payable less any refund of part of the finance charge figured the same....." which bring his totals to $6,447.14 ($6,162.14 + $17.50 - late fee = $$6,197.14 + $250 repo fee (which he signed the notice for that too). The finance charge that was deducted is $844.35.AND with all that being said - I had to call the police on Mr. [redacted], just last Friday, April 24, 2015 when he came to clean out the vehicle because he claimed that we took $20 from his glove compartment. If there are any favors that he wants me to do - I am not inclined to help him in any way. I want to stick to the contract that is written, legal and binding because according to me - he is not a man that follows through accurately. Every thing that we have stated to Mr. [redacted] is never correct when he does not comply.Any questions, please Revdex.com - call not Mr. [redacted] because we have already been through this same statement several times.[redacted]

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Half of the things Mrs. [redacted] mentioned are not true. The fact remains that from March to April I paid $780.00 dollars. Mrs. [redacted] stole the car from me while I was working. I was in so much shock that the next morning I scraped up $350.00 which she refused to accept, even though I was never really behind on my payment. She then stated I had to pay the total amount left on the car to get it back which she said was still $6649.00 I knew something was very wrong, and apparently it is Mrs. [redacted]s ethics.It clearly states in the contract that tags, title, registration and sales tax are included in the total amount financed, the remaining balance. Why would I pay said fees two times? I have my supporting documents ready. It is widely known that A.T.M has done this to a lot of people and gotten away with it. No matter where I work I pay my bills and the fact that I changed my job is my business. I am collage educated and pursuing the curriculum of my field which pays more than the job I resigned from. I'm sure Mrs. [redacted] has no idea what I am speaking of because it isn't her business apparently ripping off people is. I have my degree and I can furnish that too along with my other documents when the need arises.