Q & A Enterprises Inc

Review: I negotiated the purchase of a used car from representatives of this business ([redacted]). As part of the deal, I requested and they agreed to replace the two front tires. We signed the sales paper. Several days later when I arrived to pick up the car they said that they were not going to honor the new tire agreement because they were "losing money on the car." At this point, we had spent the better part of two days finding and traveling to their location, so we left (after considerable "discussion" about the situation.) They never denied offering the tires, but said they weren't going to supply them.Desired Settlement: Ideally, the cost of the two new tires refunded -- approximately $200. If not, an apology.

Business

Response:

27 May 2014To Whom It May Concern, -We sincerely apologize, we sell vehicles with an AS-IS policy (see enclosed) Any all deviation from this policy is done on a WE-OWE slip (see enclosed). No verbal agreements that are not signed are not honored. In this transaction (see enclosed), the WE-OWE slip enclosed does not have anything promised. we apologize for this, but this is company policy.Regards,

Review: We were told we were approved for financing, but after having the bank contact us and have a phone interview, we were told by the dealership that my husband needed to lie and tell the bank that he was re enlisting with the military, when he isn't. We told the dealership from the beginning that is in the military now, but will be getting out next month. When we told the manager that we didn't not feel comfortable lying, he said just say it so the financing could go through. I then called the financing company and they told us that the financing has already been cancelled and sent back to the dealership. So my husband and I called the dealership back to tell them what the finance (bank) company told us and he said no, you are approved and if this doesn't work out, we have plenty of other banks and just tell them that you are re enlisting. He said normally they don't ask that, so he was trying to find a way around it by talking to the bank's managers. When I called the manager of the dealership ([redacted]) back, I asked straight up, would we received our initial down payment back because of this, he said yes, I then asked will their be any stipulations to it that I need to know, so I can be prepared just in case because I know we signed a contract, but was fraud. He said no there will be no stipulations occurring on you. I said OK because we want to bring the car back then. I then again asked him, will we get all of our down payment back, and his exact words were yea sure. When we returned the car, they showed us the break down and charged a cancellation fee. He said because you don't want the car this is the fee. I explained the the rep that deals with the paperwork, your dealership was asking us to lie to a financial company with is one unethical and two fraud. This is a huge liability that would leave us in the wrong if agreed to do it and we would committing fraud if we had done that. Now i'm being told from that dealership that it was the bank that was lying to us. Im just complete fed up with the way everything has gone. We missed out on leaving for our vacation for the planned time because we are having to wait 5 day (until Monday) to talk to a general manager. I don't understand how our money can be easily taken, but not done in return that way. I also contacted a manager above the manager on site but below the general manager, and when I told him the situation, he also said he couldn't make that derision, so then he told I will be waiting until Monday to talk to the one person who can make that decision, I said okay, I want to make sure that we are actually able to talk to this person on Monday because now we are having to cancel our vacation leave date. He said yes he will be there, so then I ask for the general manager's name he says [redacted], I then asked what is his last name he says *. I said is that *, as in [redacted] or are you just giving me an initial, he says *, as in [redacted] why. I said okay, the I proceeded to ask, what is [redacted]'s official title, he then says well you are asking a lot of questions. I was appalled when he said this, I told well sir, we were asked to lie, then told so many different things from different people, so of course I am asking a lot of question because I want real, honest answers. That shocked me that he would even say that. Needless to say, he gave me the title and then we hung up. I am just incredibly upset that this has occurred and it makes me look at this business in a bad light. Then later we were asked to take the car for a vacation and if we decided we didn't want it, then that was fine. This did not work for us one because we are already having to wait 4 days past our vacation time to speak to the general manager, and after everything charged and the hassle, it would not be smart to take possession on the car again. Though, [redacted] was very nice and tried to do what he could, and was the one person who actually listened to us and understood, without cutting us off, and giving different answers to the same questions, we still are very uneasy, and totally uncomfortable with doing any deal because of this mishap. Also [redacted] did end up calling me back and apologizing for all that has happened, and it was much appreciated but that came with some uneasy conversations before. I still don't have good faith in the company at this point. It has stressed me out to the point of just being sick and worrying that it will not get resolved. We would just like our down payment in full back. I could even understand them only charge for the per day and mileage, but because we have been inconvenience, lied to and asked to lie on our behalf, cut off, stressed us, and caused us to wait more than 24-48 hours to speak to the only person who can make a decision for our situation, we want our entire down payment of $2000 back. My husband worked very hard to provide that and because we were put in a situation that was unethical, we are being punished for doing the right thing and saying no.Desired Settlement: We want to get all of our down payment of $2000 without any fees or penalties on the spot, just like it was charged on spot. We want to also make sure that this is not put on both of our credit reports in a negative way or repossession. In return with us getting the $2000 back, we will not take further action to settle this or report anything negative. Maybe one day we may come back to this company, but for now, we have been hurt and we are uncomfortable with this company because of what we went through.

Business

Response:

27 May 2014To Whom It May Concern, Unique Auto Import has sold a vehicle and at the time of sale everything was disclosed to the consumer regarding the loan process. It clearly states that within the next 30 days for the consumer to abide by the regulations in order for the loan to proceed (see enclosed). The contract is in fact still valid but the consumer has breached the contract. Also, we do have documentation stating that all deposits and down payment on approved loans are only credited towards the purchase of a vehicle and no refunds, If you have any questions or concerns, please don't hesitate to contact us at the number listed below.Regards, Unique Auto Import

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

Review: I went to this car lot to purchase a 2004 [redacted] in may of this year (2014). At the time of the visit I was told that I had approved credit pending a $2500 down payment. I returned to the lot with the required money and paid $2460.00 per my [redacted] Bank debit card and $100 cash as there was a fee for using debit. I signed at the time what I was told was a payment contract with a company called [redacted], I was continuously told that the loan was approved. Ten days from that date they dealership called me telling that my loan was not approved and that I would have to bring the car back, stating that the bank could not confirm my pay. I returned the vehicle immediately, at which point I explained that I didn't wish to continue with the purchase process as indicated in the contract (The contract was claused to say the car would have to be returned within 24 hours if a loan is not found, and at that point any trades are down payment monies would be refunded.) I was told cancellation would not be possible, though I could take my trade in vehicle back, no refund of the money ($2460 debit, $100 cash) was made. They at this point asked to see the contract copies I had and took them, then when I asked for copies they said the manager had taken them and they would mail me copies.

I learned the next day that the dealship had harassed Human Resources at my job and defaced me to my employer accusing me of fraud. At this point I retained a lawyer to request a cease and desist of contact to my employer, and to request copies of the contracts I signed. Under advisement of my lawyer at the time I filed a dispute of the $2460 debit, which has yet to be resolved. The dealership has also not yet provided me or my lawyer with copies of the contract.Desired Settlement: I would like the down payment given refunded to me, or the debit reversed, as I have a pending dispute with my bank and the contracts stated that a refund of down payment would occur. Further I would like this lot investigated/audited for its business practices.

Business

Response:

See Attachment

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

[To assist us in

bringing this matter to a close, you must give us a reason why you are

rejecting the response. If no reason is received your complaint will be closed

Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

No documentation given was falsified, the dealership was unable to verify the

information with my employer at the time due to talking to the wrong payroll

area. Further to that note, agents representing the dealership harassed the

payroll employee with language and threats when she was unable to provide them

with the information they wanted from her.

Though I was told repeatedly

that I was approved for credit with the down payment provider by multiple

agents of the dealership with a financial organization outside of their

dealership, this was not the true. [redacted] (CPS) is not a

bank, but a clearing house that pairs loans to lenders and not a bank as

stated. A denial letter received by myself and my lawyer shows that the loan

was stated as "denied for incomplete application", and the agents of

CPS had no knowledge of any failure to obtain an employment verification.

No documentation was

sent regarding any default payments on the sale, if so I would like receipt

proof from mail delivery. There was also a written and verbal request in place

to send any further documentation to my lawyer's office. Further to this point

my lawyer had requested any sales installment contract paperwork and buyer's

orders involved with the transaction be sent to his office and myself to which

the dealership never provided the requested information.

The document making the

monies shown as "deposit" non-refundable is also unlawful.

A )With the inception of the sales installment

contract, said funds became a "down payment", making withholding a

refund of the monies unlawful per the

Virginia consumer protection clause included in the language of the Buyer's Order (Commonwealth

Code § 46.2-1530) effective July 1, 2010. Pertinent sections are highlighted below.

12. If the dealer delivers to the

customer a vehicle purchased by the customer on or after July 1, 2010, that is

conditional on dealer-ar[redacted]d financing, the following notice, printed in bold

type no less than 10 point: "IF YOU ARE FINANCING THIS VEHICLE, PLEASE

READ THIS NOTICE: YOU ARE PROPOSING TO ENTER INTO A RETAIL INSTALLMENT SALES

CONTRACT WITH THE DEALER. PART OF YOUR CONTRACT INVOLVES FINANCING THE PURCHASE

OF YOUR VEHICLE. IF YOU ARE FINANCING THIS VEHICLE AND THE DEALER INTENDS TO

TRANSFER YOUR FINANCING TO A FINANCE PROVIDER SUCH AS A BANK, CREDIT UNION OR

OTHER LENDER, YOUR VEHICLE PURCHASE DEPENDS ON THE FINANCE PROVIDER'S APPROVAL

OF YOUR PROPOSED RETAIL INSTALLMENT SALES CONTRACT. IF YOUR RETAIL INSTALLMENT

SALES CONTRACT IS APPROVED WITHOUT A CHANGE THAT INCREASES THE COST OR RISK TO

YOU OR THE DEALER, YOUR PURCHASE CANNOT BE CANCELLED. IF YOUR RETAIL INSTALLMENT SALES CONTRACT IS NOT

APPROVED, THE DEALER WILL NOTIFY YOU VERBALLY OR IN WRITING. YOU CAN THEN

DECIDE TO PAY FOR THE VEHICLE IN SOME OTHER WAY OR YOU OR THE DEALER CAN CANCEL

YOUR PURCHASE. IF THE SALE IS CANCELLED, YOU NEED TO RETURN THE VEHICLE TO THE

DEALER WITHIN 24 HOURS OF VERBAL OR WRITTEN NOTICE IN THE SAME CONDITION IT WAS

GIVEN TO YOU, EXCEPT FOR NORMAL WEAR AND TEAR. ANY DOWN PAYMENT OR

TRADE-IN YOU GAVE THE DEALER WILL BE RETURNED TO YOU. IF YOU DO NOT RETURN THE

VEHICLE WITHIN 24 HOURS OF VERBAL OR WRITTEN NOTICE OF CANCELLATION, THE DEALER

MAY LOCATE THE VEHICLE AND TAKE IT BACK WITHOUT FURTHER NOTICE TO YOU AS LONG

AS THE DEALER FOLLOWS THE LAW AND DOES NOT CAUSE A BREACH OF THE PEACE WHEN

TAKING THE VEHICLE BACK. IF

THE DEALER DOES NOT RETURN YOUR DOWN PAYMENT AND ANY TRADE-IN WHEN THE DEALER

GETS THE VEHICLE BACK IN THE SAME CONDITION IT WAS GIVEN TO YOU, EXCEPT FOR

NORMAL WEAR AND TEAR, THE DEALER MAY BE LIABLE TO YOU UNDER THE VIRGINIA

CONSUMER PROTECTION ACT."

B) On the tenth day after the date of the

installment contract, the dealership called and requested return of the

vehicle, for which I complied within 8 hours of the call and my trade-in

vehicle was returned at that time. Also at that time I requested to enact the

clause that the deal be cancelled due to dealership not being able to obtain

financing and therefore creating risk of greater cost to myself or the dealer.

At this point a man identified as the manager took the buyer’s order paper work

and left with it, I requested it be returned but I was told that it wouldn’t be

possible and I would be mailed a copy in 24 hours. The Buyer's Order Document also has not been

included in their evidentiary documentation, this document is required to be

presented and signed during the sale of any used vehicle through a dealership

in the commonwealth (Commonwealth Code § 46.2-1530).

C) An agent of the

dealership phoned me and requested the vehicle be returned within 24 hours, at which

time agents provided my trade-in vehicle back to me, both actions in

consideration to the Buyer’s order’s clause highlighted above intending

cancellation of the proposed Installment contract.

Speaking to the claim

that the burden of the installment contract had fallen upon them, there are contractual

obligations that the dealership did not meet.

A)

Their consideration of

payment for trade in was not met. In Virginia a trade in when a consideration

to an installment sales contract (Form No. 553-VA-eps) must be paid as agreed

in the contract within 30 days of the date of contract. This consideration was

not met and is such a breach of the agreement the signed and dated by myself

and an agent of Q&A Enterprises aka Unique Auto Imports.

This consideration of contract is listed on line #2 in the Itemization

of Amount Financed section shows the agreed amount to be paid for the trade-in.

I also provided the agent with signed documents allowing power of attorney to

the dealership to obtain payoff information and to pay for the balance of the

trade-in vehicle. This did not happen.

B)

As this consideration

was not met by the 30th day from the date of contract the dealership

is there for in breach of the contract as it stood.

I later also noticed

this document to have been falsified by the dealership (the Itemization of

Amount Financed area, line labeled “+ Cash”) to try to gain favor with the bank

by showing a larger down payment than was given and I was asked to sign a promissory

note the amount I had not paid, and asked to tell CPS that I had given the

dealership this amount of money when I had not, which I did not tell CPS, I

stated the monies that I had paid down. I had given the dealership at the time

of the contract $2460 per a debit card, and $100 cash totaling $2560. Nearly

$1000.00 less than stated on the paperwork they were to present to banks. The promissory

note was also not included in the paperwork provided.

These business practices

and exclusions are all deceptive and contradictory. These practices are well

documented across consumer affairs offices as deceptive and are classified as “spot

delivery” or “yo-yo” schemes, and Commonwealth Law and Consumer Protection

protects against many parts of what has happened in my situation. If my situation cannot be rectified by this or

the Commonwealth’s Consumer Affairs division I hope it sheds some light on this

kind of predatory behavior and helps protect other consumers from being coerced

into the kind of 1 way deals.

Regards,

Review: I drove over 3 hours to purchase a particular vehicle at [redacted] in Dumfries, Virginia. We were called over 2 hours into our trip and told that it had just sold, but that they had a similar vehicle to sell me. The following week after I had taken the other purchased car home someone else at Unique Auto told me the original car I wanted had been sold several days before I came to buy it. So, they pulled the bait and switch. I was shown a similar vehicle to consider buying. I bought the vehicle. At the time of purchase I was told I needed $1000.00 down payment to get the financing. I told them I didn't have it so I couldn't buy the car. They said they would find a way. So they came back to me and said they had found a small loan company to lend me the $1000.00 and I needed to write a check for $1000.00 that would NOT be deposited. They said my check was going to be held by the second lender (other than the bank that financed the bulk of the purchase price) until I made the payments in installments to pay off the $1000.00 when this second lender sent me a bill. I had asked several times about the check not being deposited because I did not have money in the bank to cover it and was reassured it would not be deposited. Instead [redacted] deposited the check and of course it bounced which cost me more money. At the time of purchase I was told that my newly purchased vehicle was a 6 cylinder and it was a 4 cylinder. I was told it was all wheel drive and it is front wheel drive. Once I got home and took a closer look at the contract I saw that the vehicle was 4 cylinder with front wheel drive. So I called them about these lies I was told, and I was told to come back the next weekend and that they would put me in another vehicle for the same money that had the 6 cylinder and was all wheel drive. When I got there, while I was inside, my temporary tags were removed, and I was told I needed to write a check to them for $1500.00 or I was not getting the car back since my $1000.00 check had bounced several days before. My grown son and I told them that we were told that my check would not be deposited and were treated with disrespect by the finance guy. My son and I spoke with the manager in his office. At this point I was in tears and the manager told me to write 3 checks for $500.00 (post dated) each made out to the him personally in order to get the temp tags back on my new vehicle I had already purchased. Manager Amin K[redacted] address [redacted] Lorton, VA. I had no choice but to write the checks because they had taken my temporary tags and I was stranded 3 hours away from home. The manager cashed one check and I stopped payment on the other 2 because they had lied many times and than blackmailed me into writing the 3 checks in the first place. He is now trying to take me to Civil Court for the remaining $1000.00. I am a school teacher and the sole support for myself, my husband, and my 6 year old granson and can't afford to pay this thief over $1000.00. I want him to leave me alone about the money and have this company reported as a disreputable company. I believe it to be true that the people working at this company, if contacted, will lie as they have done in the past. I have my son as a witness to the above events.Desired Settlement: I would like the manager mentioned previously to leave me alone so I will not have to pay him over $1000.00 he blackmailed out of me and for this dealership to be reported as disreputable.

Business

Response:

11/06/2014 Dear Sir/Madam,We are writing you in regards to the above complaint.1.) The customer stated that they drove 3 hours for the vehicle that they were interested in purchasing but when they got to the store, the vehicle was sold. First of all, they did not leave a deposit to secure and hold the vehicle. By law if we do not have a signed contract or a secure deposit for the vehicle we cannot take the vehicle off the market and refuse to sell it to anyone else. Secondly, she had challenged credit and she could only purchase the vehicle that the bank will qualify her for. 2.) She mentioned about equipment on the vehicle. Please refer to paragraph 1, 2, and 5 on "Delivery and Acceptance” form that has been signed by the customer that states the customer test drove the vehicle and they were satisfied with the vehicle and that they asked the dealership to obtain financing for them. Also, refer to paragraph 3, and 7 on "Customer Delivery Checklist" that has been signed by the customer also, that stated the customer had the opportunity to inspect and test drive the vehicle and if the customer had any questions or concerns they have been answered to her satisfaction. Also, refer to the highlighted area on "Delivery Confirmation and Acknowledgment of Understanding" that has been signed by the customer. The customer had the opportunity to inspect and test drive the vehicle to their satisfaction. 3.) Due to her credit situation and the banks qualifications, she was required to have $1500 down payment, she wrote the check for $1500 and the check was returned by a third party. The dealership representative made a call to resolve the $1500 return check. The customer stated that she didn't want the vehicle and she will bring it back. When she came into the dealership with the truck, we found out that the reason she wanted to return the vehicle was because of the down payment she couldn't pay arid she was using the equipment on the vehicle as an excuse. [redacted] made an offer to her that if the problem is the down payment, he will put the down payment on the truck for her and she can pay him back. At the time she was excited and very happy and thanked everybody for helping her out on her purchase. The company got paid from [redacted] and as she mentioned in this complaint that she put the stopped payment on the refunds to [redacted]. She was talking about blackmail in the complaint. We believe she blackmailed Unique Auto Import because Unique Auto Import offered her that if she didn't have the down payment, she can go ahead and return the vehicle. She decided to use the favor from [redacted] and take the truck back and had a plan to not pay him later on. [redacted] even mentioned that he wouldn't do it to anybody but the only reason they are doing it to her is because she is a teacher and that if she default on the payment he will not trust anybody anymore, not even teachers. We believe he is entitled in getting his money back and she should volunteer in returning [redacted]'s favor in paying him the funds that she said she would.If you have any questions or concerns, please contact me via email at uniqueautoimportva@[redacted].com or via phone at ###-###-####.Sincerely,Al

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:The response from the dealership has twisted everything to suit their case. My son was with me as a witness to all that happened during this sale. I was told that saturday before I even left my house that the car I wanted had not been sold, when in reality it had been sold several days before. Lie number one. I was also my credit would not be a problem. Lie number two. I was told 2 hours into the trip on that first saturday that they had another 6 cylinder all wheel drive vehicle since the one I was coming to look at had been sold just that morning. Again, another lie. If I had known it had been sold and the other vehicle they had in mind was a 2 wheel drive 4 cylinder, I would not have made the long trip. That very evening I told them I did not have the $1000.00 to put down so I could not buy the vehicle, they magically found a way which turned out to be another lie. I believed them when they told me repeatedly that if I wrote a $1000.00 check that it would NOT be cashed and just used as collateral for the small loan company that was going to lend me that amount. As I wrote before, my check was cashed that very week and it bounced. Another lie! When we called back after I had brought the misrepresented vehicle home, my son called, playing an interested customer, and asked if the original vehicle I wanted was still for sale since it was still on the website and he was told that the original vehicle I wanted was still there. Also, when I called to say that I had been lied to about the vehicle I bought, I was told to come back the next saturday and they would put me in a vehicle I wanted. That was another one of many lies. They had no intention of trying to put me in another car. Upon arrival they immediately took my temp tags off the vehicle I had bought the weekend before. I did not have my tags for my trade in car and so I was stuck 3 hours away from home with my son and 5 year old grandson. So, I was stuck and told that the only way to leave with the purchased vehicle was to give the manager 3 checks for $500.00 each. By this time we had been there all afternoon and I was relieved that we could get back home so I was grateful to be able to leave and thanked them. I was being polite as I was raised to be. Although I did sign the documents, as is apparent, I was told when I asked 3 or 4 times that the vehicle was an all wheel drive 6 cylinder and so didn't think it necessary to read through every word of the contract. It was late and my grandson was getting tired and hungry and I trusted what they told me. If I am at fault for anything it is trusting what these thieves told me as the truth. Although I have learned my lesson on looking at the fine print, I also know that it was wrong for them to lie to me and misrepresent the vehicle when I asked point blank about these details. I have learned not to trust anyone even when I ask a question. These people are unprofessional and since this incident I have read several people's reviews of the same dealership and they had problems with being lied to or being asked to lie to the bank, and that the dealership was "sleazy liars." I agree after my horrible experience.

Regards,