Motor City Auto Sales

I was in a bad credit situation when I came across The Approval Store. The man who dealt with my purchase name is Anthony he works at the Ajax Ontario location.

Anthony took advantage of my lack of knowledge in financing a vehicle. He got me approved for a 2017 vehicle that was still fairly new, however he locked me into a contract that landed me in negative equity. I am locked into a term of 84 months paying $25,000 for a car that's market value at the time was only worth $16,000. He also did not close the deal properly as the documents were not properly signed before submitting them. He submitted paperwork with out my signature or consent. He also added on extra things such as an extended warranty which was never agreed upon.

Fortunately I was able to spot this *** and contacted the owner who refused to do anything about it. So I then got into contact with OMVIC whom assisted me on how to proceed. Essentially I recieved my money for the warranty back, but was still locked into a very *** deal, which til this day I am still dealing with.

The WORST part about it all is, I didnt even get to see the car that I purchased. He claimed it was being brought over from a different location. Fast forward a week later and several run arounds, and the owner having to give me a rental to get around in for the time period of waiting. I finally recieve my car as it was personally driven and dropped of to me by Anthony himself at my place of work!

***

*** because of them I wont ever trust another car dealer again.

On Wednesday March 14th, 2018 my spouse visited the *** located in Ajax, Ontario. At that time he was pressured into verbally agreeing to buy a car from the location. He submitted information and a $500 deposit. We had a co-singer who signed paperwork but since the car was going to be in my name and I was not present I never signed anything.

On Friday March 16th, 2018 without my knowledge my co-signer backed out of the deal, I found out when the *** called me. I still hadn't signed anything so at that time I told them I would prefer to have a refund of the deposit.

Since Friday March 16th I have spoken to 4-5 different people who have all given me the run around and tried to prevent me from going somewhere else. While I respect their efforts I have already gotten a vehicle somewhere else. I really just want a refund on the deposit I paid. While I understand there are penalties for backing out of a contract, I hadn't signed or agreed to anything; therefore I want my $500.00 deposit back. I would be more than happy to provide any information needed for the co-signer to be held responsible for her actions.

Plainly was told over the phone that I was pre approved and to come into speak with ***. When I arrived they had me fill out a application and asjed for personal bank info and proof of income and drivers licence. When taken into the room by ***. Was questioned and made to feel degraded by my having to be on ODSP and that my credit has gone to *** due to my income level. When I was told he woukd nèed more time I asked for my photo copies of my peraonal info back. I also was told over the phone that I could still be approved for my budget of 200 to 250 per month max. *** bluntly stated no to that. Then went through my credit file as if I owed him an explanation to what happened to my credit. He was smug very arrogant and disrespectful. Clwarly has no understanding as to qhat life has in store for those who do suffer loss of income and a subject to the graces of a life of Disability

I was in a bad credit position, needed help buying a car told the dealer what I was looking for, I received the size of vehicle I was looking for but was told a different purchase price when it was time to sign the paperwork the price was updated by $5000, I took the car anyway and knew I was being ripped off was told I would receive cash back after the finance went through and didn't receive any cash back at all ever and I am currently still paying for the car which has no value!!

This complaint is in regards to a purchased vehicle for a 2103 *** from the Approval Store back in 2014 September. The reason I am moving forward with this now is that we tried in the past to deal with it and had no luck.
An episode of *** triggered us to look into this again. In hearing a commercial on *** for loans up to $5000, we decided to go and see the approval store to help us. We went in and met with ***. He discussed with us an option to lower our interest rate for our current van so we went ahead and done a proposal to see how it looked. He showed us the payment bi-weekly and it was just a little higher that our current payment. Our current interest rate was 28%. When I received the invoice, I was confused. I asked what was the value of the van, he would not disclose, I asked what was the value of the trade in, he did not disclose, he said it was mixed in with the price. Roughly around $8,000 which is no where to be seen. I had traded in a 2008 *** which was worth about $8000. I spend that last few years looking for where the van trade in value was. I could not locate it. The area is blank on my invoice. I also did not ask for any extra warranty and I see an extra charge of $2100 on the invoice. I took this deal because the interest rate was lower and that I can come in and trade in the vehicle at a later time lowering the interest rate again which is what was said to me.
He also provided me with $4000 cash from the loan.

I have taken this to *** and they said that we have been wronged but they could not do anything about it. I feel that *** works on the dealerships behalf and not the client.

Issues

1. The person named on the invoice is not the person that sold me the car. *** sold me the car but *** was the salesperson.
2. The van is a base model and on the paperwork it says *** model.
3. The cost of the current vehicle was not disclosed.
4. The cost of the trade in was not disclosed.
5. There is no trade in value on my invoice.
6. In meeting with ***, they showed me an overwritten document with a forged initial which I did not sign. Including information for negative equity.
7. We have not received a copy of the Trade In Vehicle Disclosure at the time of sale. I had to request it.
8. The invoice states 84 payments of $323.87 Biweekly. This calculates to $27,205.08 which is lower than the invoice states.

We have been majorly wronged and due to this we are now in very high interest loans and no banks are helping us. We need some help please.

We purchased a 2006 *** ridgeline as is condition. We drove it home and dropped it to be safetied. The ignition went first, they then said the rrame was rotten and transmission was done. It cannot be fixed and was told to walk away. We paid $6500 plus tax. I have called twice this week and asked to speak to the manager with no return calls.

September 7,2017,

I got an appointment with this car dealer through *** After going through all the paper work with 5 different banks, Unfortunately they were unable to get me a approval on a car loan with the lower interest rate as they told me.

I have field a proposal 1 year ago and that brought my credit down. So this guy at the dealer said that he can get me loan with 3rd parties with a lower interest rate.

After trying to reached out to him in weeks, finally got hold of him and he said that so far the approval he got are the same as what I have already. Then he mention that he will get back to me with one more pending approval.

I'am disappointed because for all this and yet he never call me back till now, but someone from the *** called to apologize behalf of them and was trying to sell me another personal loan for those who were unable to get a car loan.I have rejected that offer.

For now all this hassle I just want to get my security deposit of refundable $100 back by the dealer and stop any further proceeding with them.

I advise for customers with poor credit, when they say guarantee approval in 24 h. don't just fall for it just like I did.

Regards