Southern Auto Assumptions

Revdex.com: I have reviewed the response 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I do not accept the response and am sending a separate email with all of my supporting documents attached

we are not open to arbitration as theres nothing to discuss....she defaulted on the contract in numerous areas so I did what I had to do to protect my investment don't you think its just a little strange that southern auto assumptions has been in business since December and has not had other complaint....that's almost unheard of in the auto business....that record alone should speak for itself at any given time we have over a clients on our books that we manage vehicles for and collect payments on their behalf....I speak to these people quite often about there vehicles and so on and are extremely happy with our companys service to them we as a company bend over backwards to work with our clients and keep them happy but when someone makes threats and has people calling on her behalf making threats and even calls my [redacted] officer twice twisting the facts to make her look like the victim is where the line is drawn during our discussions I could read the desperation in her texts and knew she didn't have the money for her car payment because no matter what we offered her it was never enough as she and I both knew she couldn't make the car payments any longer my wife told me to offer her a 50% refund....now understand this was after months and miles later of driving the car.....she refused the offer,,,,that offer is no longer available if she would like to go to court to allow a judge to decide we are ready to persue that avenue...its totally up to her,,,,but again once she opens that door it will give us the right to sue her for the full contract that she defaulted on....and unlike her...we do have the funds to follow thru with it thankyou

FIRST OF ALLIM JUST THE GM HERE [redacted] IS NOTHING MORE THAN A SCAMMER....YES THE VEHICLE WAS WRECKED BY A CONTRACTED EMPLOYEES GIRLFRIEND BUT THE VEHICLE HAD NOT BEEN SOLD AND [redacted] STILL CARRIED HIS OWN INSURANCE ON THE CAR...WHEN HE WAS CONTACTED BY HIS INSURANCE CARRIER TO SETTLE THE CLAIM HE WOULD NOT TELL THEM THAT HE GAVE PERMISSION FOR US OR ANYONE THATS ASSOCIATTED TO DRIVE THE VEHICLE....WE HAVE SIGNED CONTRACTS THAT HE GIVES US THIS AUTHORITY...HIS INSUARNCE REJECTED HIS CLAIM BUT HAS SINCE PAID IT IN FULL.....IF YOU READ BETWEEN THE LINES OF HIS STATEMENT ITS VERY OBVIOUS HES LIEING AND TRYING TO WAVE THE AMERICAN FLAG TO GET SYMPATHY....IM ALSO A VETEREN FROM VIETNAM AND IT DISCUSTS ME TO SEE WHAT OUR SERVICE MEN LIKE THIS TRY TO DO......WE TOTALLY DENY HIS CLAIM

THE BOTTOM LINE IS THIS, THE CONTRACT IS A VEHICLE USE AGREEMENT....NO MORE NO LESS WE HAVE LOOKED OVER THING AND THE CLIENT IS IN DEFAULT IN MANY INSTANCES WE OFFERED A SETTLEMENT OF $ DURING THE PROCESS.....MY EXACT WORDS WERE TAKE IT OR LEAVE IT....SHE REPLIED " LEAVE IT" WHICH LEFT US NO CHOICE BUT TO REPO THE CAR SHES TRIED CLAIMING I PERSONALLY CAME TO FLORIDA AND REPOED THE CAR AND SUPPOSEDLY TOOK DOWN HER FENCE TO DO SO I HAD A MEMBER OF LAW ENFORCEMENT IN MY OFFICE IN THOMASVILLE GA AT THE TIME THE REPO TOOK PLACE.....IT WAS REPOED BY A LICENSED AND BONDED RECOVERY SERVICE IN [redacted] FLORIDA THAT VIDEO TAPED THE REPO...ALL THEY DID WAS OPEN THE GATE LEADING TO HER BACK YARD AND DROVE IT OUT...THE CLIENT HAD THE VEHICLE HIDDEN BEHIND HER HOME AND ALSO REMOVED MY LICENSE TAG THINKING THIS WOULD STOP THE REPO COMPANY FROM TAKING IT....ALSO SHE WAS FORWARNED IN WRITTING IN ADVANCE THAT IF SHE DID NOT MAKE THE PAYMENT THE VEHICLE WOULD BE REPOED SHE IS NOT NOW OR EVER GOING TO RECIEVE NICKEL REFUND AS LEGALLY WE DONT OWE HER ANYTHING IN FACT BEING SHE DEFAULTED ON HER CONTRACT WE ARE IN TALKS WITH OUR LEGAL COUNCEL TO SUE HER FOR SLANDER AND FOR THE FULL AMOUNT OF THE CONTRACT WHICH IS...$23,

From: [redacted] < [redacted] > Date: Tue, Feb 18, at 10:AM Subject: Case # [redacted] Email of To: [redacted] Attached is my supporting documents with regards to my rejection the response received back from Southern Auto AssumptionsAlso, below is an outline of the message I tried to send via the complaint but it would not go throughI am going to have to send this in separate emails because the attachments are too large for just one I have attached copies of text messages and emails that will prove that Mr [redacted] lied to me from day I have underlined and made notes on some as well as named who was writing whatI have color copies as well if that helpsIt will also show that everything he responded to you was also not the truthI want the entire deposit back that he wrote in a text he would give me, as well as the insurance that he never paid to Progressive that I paid him every monthHis response was mostly lies as you will see once you read all of the emails and text messages supporting my claim Mr [redacted] stated that the agreement is solely between he personally and myself and has nothing to do with Southern Auto AssumptionsI have attached a copy of our agreement, as you will see, it clearly states the agreement is between” Sublessor Southern Auto Assumptions” which is clearly stated in the first paragraph His next item states that the insurance was in his name as a convenience and that I was unable to obtain my own insurance My husband and I have had Geico Insurance for yearsMy husband’s truck is under Geico with myself as an additional driverOur account is under [redacted] and [redacted] , Policy Number: [redacted] I’ve also included payment instructions from [redacted] with the insurance amount to be paid, with my car payment, directly into his accountHe has Progressive Insurance, I have been paying this the entire time I’ve had possession of the vehicle, on time, every month with my payment, [redacted] never instructed me to go out and get my own insurance, which I could have just added the vehicle to my current policyOn or around January 28, 2014, I phoned Progressive and spoke with a Supervisor who could not give me any confidential information but did confirm that neither myself nor my husband were ever on that account, even as an additional driverThe entire time I had the vehicle and thought I was insured was a lie, I paid [redacted] and he never added me to his policy, he only collected the money [redacted] indicated that he paid Honda and the insurance company every monthI have attached documentation, including a certified letter, that I sent to [redacted] and Southern Auto Assumptions, requesting proof that payments were being made and that I was insured, they refusedAccording to the contract, #Owner’s Obligations, I am within my rights to request this informationMy husband called [redacted] Honda in Georgia where the vehicle was leased, according to supervisor ***, none of their leased vehicles can legally be subleased to anyoneI plan on calling him back and sending [redacted] Honda a copy of the agreement between myself and Southern Auto Assumptions/ [redacted] Mr [redacted] said in his response that “ [redacted] claimed to ask about the vehicle lease days after signing the agreement is totally without merit”Please see attached email and text messages where I questioned whether the vehicle is a lease beginning days after I took possession of the vehicle and again when the new registration came in indicating it was a “lease”Mr [redacted] ’s response is attached where he assures me it is not a leased vehicleAs for the residual which he told me about in December, I have also included Mr [redacted] ’s text once again assuring me that it is a purchase and if it is a lease, he would pay the entire residual, I had nothing to worry aboutHe also mentioned that me and my husband (who is not on the agreement) were not “credit worthy”, no credit check was ever done so I am not sure why he would make such a statementHe also, in a documented text, accused me of bouncing checks and “your kind of people”, I have never in my life bounced a check so again, this is how Mr [redacted] and Southern Auto Assumptions do business Next he accuses me of using the vehicle for commercial useI am a non-competing Managing ***r for [redacted] Group, formerly [redacted] ***, which means I do not compete with my [redacted] I am the manager; I never take out buyers or represent sellers, hence, Non-Competing ***rFeel free to contact my manager, [redacted] who is the Vice President of Residential Sales at [redacted] who will verify my title and job description Mr [redacted] in his response indicated that the vehicle mileage at takeover in July was 10,miles which is not correctPlease see the contract, the mileage was 11,miles when I took possession of the vehicleI’ve attached the photo that I texted to Mr [redacted] on January 24th with a picture of the odometer as he requested which read 21,not 22,as he indicated in his responseMy next car payment was due on that date and because we were in contract dispute and he did not provide me with proof that payments and insurance were being made, I sent him a text (attached) asking him how he wanted to proceedHe then sent me the text requesting the photos, odometer, etcI left work early to get him those photos in hopes that we would resolve things and at this point go our separate ways; I did not want anything to do with a [redacted] currently on [redacted] Mr [redacted] continues to accuse me of not giving him our new addressI’ve attached a copy of the original text which gave him our address prior to our movingHe acknowledged receiving itI reminded him to send the registration to our new address, he asked for it again which I immediately signedI contacted [redacted] again because I had not received the new registration which he charged me $to fed ex to me, he again asked for the new address which I sent him for a 3rd timeIt took him weeks to get me the new registration; he took my $and sent it regular mail The vehicle was removed from my fenced backyard on Monday, January 27th at 5:p.mnot January 28th as he put in his responseI have a text message from my neighbor letting me know the truck was goneShe took a picture of the truck leaving our property I did contact law enforcement and plan on file a complaint with the Georgia State’s Attorney’s OfficeI also contacted a Civil Attorney, at the advisement of my attorney, [redacted] who indicated that the contract I signed is fraudulent but wanted the Civil Attorney to look it over since car dealership contracts are his speciality, he confirmed that it is a fraudulent contractThe only issue is that Southern Auto Assumptions is out of Georgia and that is where we would need to go to court, he is not licensed in GeorgiaI do not have the money to hire an attorney, which is why I am going to turn it over to the State’s Attorney’s office to investigateI also plan on notifying the IRS since Mr [redacted] only takes CASH depositsI’ve also included the original email indicating why he could not lower my deposit to $3,was because he said he put $6,downLater in another text, he denied saying that and indicated that “who in their right mind would put $6,down on that vehicle, he was referring to his corvette”? I have attached more of his lies As for the person who called him “on my behalf” as he indicatedThe only person that I authorized to call him or his legal counsel was my attorney, [redacted] I have no control over anyone else calling him, but it definitely was not on my behalf I’ve also included the name of the attorney Mr [redacted] told me to contact and to not contact him againMy attorney told me to look up ***’s Attorney, [redacted] from [redacted] , FL on the Florida Bar website to confirm that he is licensed, naturally he is notI did google his name and he came up under the “Rip-Off Report”, he took people’s money and did nothing, they are questioning whether or not he is an attorney, which he is not just another crook As you can see, everything [redacted] sent to you was a lieI don’t lie, I don’t steal and I have never in my [redacted] years of life ever broken the lawI’ve also attached a copy of his website showing Revdex.com Logo with Accredited Business which was printed today at 1:p.mwhich as you know is a lieWhen I texted him and told him that he was not accredited, his response was “well we’ve applied.” I have also attached his [redacted] information and some other documentsI have many more text messages if you need them This man must be stoppedHe is a crook and preys on people on the internetI found him thru an ad on craigslist, I should have known better Warm Regards, [redacted] Managing ***r | Market President [redacted] ***

Feb at 9:PM
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IN REFERENSE TO Revdex.com COMPLAINT # ***
TO START , THIS NEEDS TO BE MADE PERFECTLY CLEAR THAT THIS VEHICLE USE AGREEMENT THATS BEING DISPUTED IS SOLELY BETWEEN MYSELF PERSONALLY AND THE CLIENT AND HAS ABSOLUTELY NOTHING IN ANY WAY TO DO WITH THE BUSINESS I MANAGE WHICH IS SOUTHERN AUTO ASSUMPTIONS LLC OF THOMASVILLE GA
THE CLIENT IS ATTACKING SOUTHERN AUTO ASSUMPTIONS AND THE OWNER WITH ABSOLUTELY NO GROUNDS AT ALL TO STAND ON AND THESE ACCUSATIONS ARE TOTALLY WITHOUT MERIT
IT IS CORRECT THAT IN JULY A VEHICLE USE AGREEMENT WAS WRITTEN AND SIGNED BY THE CLIENT FOR THE SUBLEASE ASSUMPTION OF MY HONDA PILOT
THE INSURANCE THAT WAS ALREADY IN PLACE ON THE VEHICLE FROM THE DATE OF LEASE / PURCHASE ON DECEMBER 24TH WAS LEFT IN MY NAME AS A CURTIOUS GESTURE IN PLACE ON THE VEHICLE AT THE TIME OF TAKE OVER FOR CLIENT AS SHE WASNT ABLE TO SECURE HER OWN. SECURING YOUR OWN VEHICLE INSURANCE IS A REQUIREMENT ON THE VEHICLE USE AGREEMENT
THE VEHICLE PAYMENT AND INSURANCE WAS PAID TO ME PERSONALLY TO MY PERSONAL BANK ACCOUNT
ALL SOUTHERN AUTO ASSUMPTIONS CLIENTS PAY THEIR PAYMENTS TO THE COMPANY DIRECTLY AND PAY THEIR OWN INSURANCE
EVERY PAYMENT FOR VEHICLE USE AGREEMENT AND INSURANCE WAS PAID TO MY LIEN HOLDER AND INSURANCE COMPANY ON TIME EACH AND EVERY TIME AND I HAVE ALL RECORDS ON HAND TO PROVE SO
THE CLIENT CLAIMS THAT SHE ASKED ABOUT VEHICLE LEASE DAYS AFTER SIGNING THE VEHICLE USE AGREEMENT IS TOTALLY WITHOUT MERIT AS IT STATES IN THE VEHICLE USE AGREEMENT THAT THE VEHICLE IS A LEASE PURCHASE
SHE DID ASK ABOUT THE LEASE IN DECEMBER AND I REITERATED TO HER THAT THE VEHICLE IS A LEASE PURCHASE WITH A $RESIDUAL THAT IS DUE TO TAKE OVER THE VEHICLE IN DECEMBER
KNOWING THAT THE CLIENT AND HER HUSBAND ARE NOT CREDIT WORTHY ENOUGH TO SECURE A LOAN FOR THIS AMOUNT I AGREED IN WRITTING TO SECURE THE LOAN FOR HER AND HER HUSBAND AT ABSOLUTELY NO COST SO THEY COULD PURCHASE THE VEHICLE
THE VEHICLE USE AGREEMENT STATES THAT THE VEHICLE CANNOT BE USED FOR ANY COMMERCIAL USE OF ANYTYPE AND THE CLIENT WORKS IN *** *** AND PER THE MILEAGE USAGE ITS PEFECTLY CLEAR THAT SHE WAS USING THIS VEHICLE FOR THIS PURPOSE
THE MILEAGE AT VEHICLE TAKE OVER IN JULY WAS 10,MILES , VEHICLE MILEAGE ON DAY OF REPOSSESION ON JANUARY 28TH WAS 22, 857...IN A PERIOD OF MONTHS SHE PLACED MILES ON THE VEHICLE, THE VEHICLE USE AGREEMENT THAT SHE SIGNED ONLY ALLOWS MILES PER YEAR SHE WOULD EASILY DOUBLED THAT
IN DECEMEBER WHEN SHE STATED THAT SHE DIDNT WANT THE VEHICLE ANY LONGER AND SHE WASNT GOING TO COMPLETE VEHICLE USE AGREEMENT AND PURCHASE I ASKED FOR A PICTURE OF THE ODOMETER OF THE VEHICLE TIMES AND WAS FLAT OUT REFUSED BY HER AS SHE TRIED TO STATE THAT I HAD NO RIGHT TO SEE OR KNOW WHAT THE MILEAGE WAS WHICH WAS A DEFAULT OF THE VEHICLE USE AGREEMENT
I ASKED FOR THE CURRENT ADDRESS WHERE THE VEHICLE WAS BEING PARKED ON NUMEREOUS OCCATIONS
SHE REFUSED TO SUPPLY ME WITH THIS IMFORMATION
I EXPLAINED TO HER AT THIS TIME IN WRITTING THAT IF SHE DID NOT MAKE HER SCHEDULED PAYMENT THE VEHICLE WOULD BE REPOSSESSED
ON JANUARY 28TH A LICENSED RECOVERY SERVICE LOCATED MY VEHICLE HIDDEN BEHIND HER HOME WITH THE LICENSE TAG REMOVEDWITH A COPY OF THE CONTRACT AND KEY IN HAND THEY OPENED THE GATE AND DROVE THE VEHICLE OUT OF THE FENCED IN AREA AND REMOVED FROM HER POSSESSION
THE FENCED IN AREA WAS NOT DISMANTLED OR DAMAGED IN ANYWAY BY THE VEHICLE RECOVERY SERVICE
SHE HAS TRIED OVER AND OVER TO MAKE UNFOUNDED ACCUSATIONS THAT I PERSONALLY REPOSSESSED THE VEHICLE AND DISMANTALED HER FENCE BUT IT JUST SO HAPPENS THAT I HAD SOMEONE IN MY OFFICE IN THOMASVILLE GEORGIA WITH ME ON THE DAY AND TIME THAT THE VEHICLE WAS BEING REPOSSESSED IN *** FLORIDA WHICH IS MILES AWAY WHICH TOTALLY SHOWS THAT THE CLAIMS THAT SHES MAKING IS JUST OUT OF VENGEANCEAND HAS NO MERIT
THE CLIENT TRIED TO GET LAW ENFORCEMENT INVOLVED BUT WAS TOLD THAT NO LAWS HAD BEEN BROKEN AND IT WAS A CIVIL ISSUE
THE CLIENT HAVING A FRIEND OF HERS THATS A PERSONAL INJURY ATTORNEY TO TRY TO MAKE ALL KINDS OF UNFOUNDED CLAIMS AND CAME TO THE SAME DECISION THAT IT IS A CIVIL ISSUE
THE CLIENT HAS HAD A FAMILY FRIEND CALL ME AND STATE ON A TAPED CONVERSATION THAT HE WAS CALLING ON THE CLIENTS AND HERS HUSBANDS BEHALF AND MAKE THREATS AGAINST MY LIFE IF I DONT RETURN HER DEPOSIT
THE VEHICLE USE AGREEMENT IS TOTALLY LEGAL AND ONLY MISREAD BY THE CLIENT
NOTHING RELATED TO ME IS FRAUDULENT IN ANY WAY
THE CLIENT IS TRYING IN EVERYWAY POSSIBLE TO TRY TO MAKE MYSELF AND THE CONTRACT TO SOUND FRAUDULENT TO GET OUT OF IT
ANYONE THAT KNOWS ME KNOWS THAT I LIVE UP TO MY WORD THRU MY WORK AND PERSONAL LIFE
THE TOTALLY UNFOUNDED LETTER THAT SHE WROTE TO THE Revdex.com CAN BE VERY DAMAGING TO MYSELF AND TO THE COMPANY THAT I MANAGE AND SHOULD NOT BE ALLOWED TO BE POSTED ON THE WEBSITE
THANKYOU

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I have sent all of my conversations with *** *** of Southern Auto AssumptionsI was in no way in default of my contractHe claimed the reasons for default were:
Insurance not obtained in my own name - see the conversations that I sent in my prior email which clearly show that *** *** gave me instructions to keep the insurance in his name, which I did and paid for every single monthNot in default
My Job, he claimed that I take buyers in my car which is also false*** requested information on my employment as one of the requirements to take over the payments, I provided that to himI manage a *** *** office, I do not represent buyers or sellersI am the ***r of the officeOnce again, on his part and definitely not in defaultI drove the vehicle to and from work
The last reason he claims I was in default was that I did not provide him with my new address according to the terms of the contractOnce again, it was all in the documents I forwarded to Revdex.comThere was a copy of the email that I sent days prior to my moving notifying *** of my new addressNot in default
He claimed that I was in default after I sent him the certified letter demanding that he show me proof that I am insured and that he is making the car payments.
The reason licensed attorney's who looked at the "Vehicle Use Agreement" has said that is it fraudulent is because it clearly states in paragraph #7, title of said vehicle will be turned over when final payment is madeThis is not possible since Southern Auto Assumptions does not own the vehicle, it is a lease through HondaAccording to Honda, their "Leased" vehicles cannot be sub-leased.
I have in writing, which I also forwarded to you, the text message he sent me where he and his wife (the owner of Southern Auto Assumptions) clearly stated that they would give me my $3,deposit back.
The law enforcement officer who was at his home was his *** officer since *** *** ran a *** *** *** *** ** ***He is not on ***, but ***I have spoken directly with his *** officer, he could not verify what time he met with ***Since my car was taken at 5:30, Mr*** had plenty of time to meet with his *** officer and get to ***, Flhours awayThis is really not the issue, the main item is that in every correspondence, including what Mr*** and Southern Auto Assumptions has provided are liesI have sent actual copies of text messages and emails to and from Mr*** to back up everything that I have accused him ofFacts are not slanderI am going to make sure that *** *** and Southern Auto Assumptions does not scam anyone elseMy attorney did try to reach the attorney who *** *** sent us and this person is not a licensed attorneyWe tried to resolve this in an amicable manner, however, Mr*** would not send us a licensed attorney's name and numberHe would not even send his un-licensed attorney's phone numberThe only thing that he knows is bully tactics and lyingHe has not produced to you one shred of documentation supporting his lies, nothing in writingI have forwarded everything to substantiate my complaint, not he said she said, but documented proof
He lied about the contract not being in Southern Auto Assumptions name, he lied about he and I being "friends", he lied about doing me a favor because I have bad credit (a credit check was not a requirement), he lied about the insurance, he lied about being Revdex.com Accredited, the list just goes onHe is a *** *** on ***, he will not take advantage of anyone else if I can help it

From: *** ***
Date: Tue, Feb 18, at 10:AM
Subject: CASE #*** (email of 2)
To: ***
Attached are the remaining documents to be included with my first email
Please confirm receipt of bothThank you so much for your assistance
Warm Regards,
*** * ***
Managing ***r | Market President
*** *** *** *** *** ***

HI,
MR ***, ASSUMED THE LOAN ON THIS VEHICLE IN OCTOBER 2013....HIS DOWN PAYMENT WAS $WHICH WE BROKE UP INTO PAYMENTS FOR HIM TO HELP HIM OUT AS HE IS RELATED TO A CLOSE FRIEND OF MINE....NONE OF WHAT HE IS SAYING IS TRUE AND HAS NO FOUNDATION TO STAND ON
THE
SITUATION IS THIS....HE IS TRYING EVERYTHING HE CAN TO GET OUT FROM UNDER THIS AGREEMENT THAT HE SIGNED AS HE WANTS TO BUY A LARGER VEHICLE...HES ALREADY TRIED TO TRADE IT IN AND WAS TOLD BY THE DEALER THAT HE WASNT ABLE TO BECAUSE THE VEHICLE IS NOT IN HIS NAME AS HE ONLY HAS A VEHICLE USE AGREEMENT AND HE HAS NOT PAID OFF THE VEHICLE YET....HE WENT TO THE DMV IN FLORIDA TRYING TO PUT IT IN HIS NAME AND HE WAS TOLD THE SAME BY THEM,,,,
HE CALLED ME WANTING THE PAYOFF I TOLD HIM I WAS OUT OF TOWN AND TO CALL ME THE FOLLOWING WEEK AND I WOULD GET THAT INFO FOR HIM....HE CALLED BACK SOUNDING LIKE HE WAS DRUNK ON THE PHONE SO I TOLD HIM I WOULD NOT SPEAK TO HIM AT THAT TIME AND HE WOULD HAVE TO CALL BACK AND I HUNG UP...AT NO TIME DID I CUSS HIM OUT IN ANYWAY
IM TRYING TO WORK WITH HIM IN ANYWAY POSSIBLE IVE EXPLAINED TO HIM THAT IF HE NO LONGER WANTS THE VEHICLE HE CAN TURN IT IN AS IT STATES IN HIS CONTRACT.....HE HAS VIOLATED THE TERMS OF THE CONTRACT ON SEVERAL ISSUES AND I COULD OF EASILY HAD THE VEHICLE REPOED BUT BECAUSE HE IS RELATED TO A FRIEND OF MINE AND I KNOW HE HAS SOME ISSUES SO IM TRYING TO GIVE HIM THE BENIFIT OF THE DOUBT
HE HAS NOT PAID HIS JUNE PAYMENT SO THE CAR WILL GO INTO REPO STATUS VERY SOON
THANKS,
*** ***
SALES MGR SOUTHERN AUTO ASSUMPTIONS

I am not going to keep going back and forth....he paid a $1000.00 deposit on the car then $700.00 3 weeks later....he doesn't have a lawyer...hes listening to some girl that use to work in a lawyers office...
he called and complained to the Georgia consumers affairs division...the woman called me and I explained everything in detail...HER EXACT WORDS WERE....IM AM SO SORRY FOR CALLING AND WASTING YOUR TIME ...
what happens here and to his own admition he went down to buy another car....when he learnt that he couldn't trade it in because hes buying it under a vehicle use agreement thru a loan assumption he then starts complaining about this that or the other....
he can either keep the car and pay it off or turn it back in...his choice

THE BOTTOM LINE IS THIS,
THE CONTRACT IS A VEHICLE USE AGREEMENT....NO MORE NO LESS ...
WE HAVE LOOKED OVER THING AND THE CLIENT IS IN DEFAULT IN MANY INSTANCES...
WE OFFERED A SETTLEMENT OF $1500.00  DURING THE PROCESS.....MY EXACT WORDS WERE TAKE IT OR LEAVE IT....SHE REPLIED " LEAVE IT" WHICH LEFT US NO CHOICE BUT TO REPO THE CAR...
SHES TRIED CLAIMING I PERSONALLY CAME TO FLORIDA AND REPOED THE CAR AND SUPPOSEDLY TOOK DOWN HER FENCE TO DO SO....
I HAD A MEMBER OF LAW ENFORCEMENT IN MY OFFICE IN THOMASVILLE GA AT THE TIME THE REPO TOOK PLACE.....IT WAS REPOED BY A LICENSED AND BONDED RECOVERY SERVICE IN [redacted] FLORIDA THAT VIDEO TAPED THE REPO...ALL THEY DID WAS OPEN THE GATE LEADING TO HER BACK YARD AND DROVE IT OUT...THE CLIENT HAD THE VEHICLE HIDDEN BEHIND HER HOME AND ALSO REMOVED MY LICENSE TAG THINKING THIS WOULD STOP THE REPO COMPANY FROM TAKING IT....ALSO SHE WAS FORWARNED IN WRITTING IN ADVANCE THAT IF SHE DID NOT MAKE THE PAYMENT THE VEHICLE WOULD BE REPOED.
SHE IS NOT NOW OR EVER GOING TO RECIEVE 1 NICKEL REFUND AS LEGALLY WE DONT OWE HER ANYTHING IN FACT BEING SHE DEFAULTED ON HER CONTRACT WE ARE IN TALKS WITH OUR LEGAL COUNCEL TO SUE HER FOR SLANDER AND FOR THE FULL AMOUNT OF THE CONTRACT WHICH IS...$23,625.00

Revdex.com:
I have reviewed the response 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
 
 I do not accept the response and am sending a separate email with all of my supporting documents attached.

we are not open to arbitration as theres nothing to discuss....she defaulted on the contract in numerous areas so I did what I had to do to protect my investment.
don't you think its just a little strange that southern auto assumptions has been in business since December 2009 and has not had 1 other complaint....that's almost unheard of in the auto business....that record alone should speak for itself...
at any given time we have over a 150 clients on our books that we manage vehicles for and collect payments on their behalf....I speak to these people quite often about there vehicles and so on and are extremely happy with our companys service to them
we as a company bend over backwards to work with our clients and keep them happy but when someone makes threats and has people calling on her behalf making threats and even calls my [redacted] officer twice twisting the facts to make her look like the victim is where the line is drawn....
during our discussions I could read the desperation in her texts and knew she didn't have the money for her car payment because no matter what we offered her it was never enough as she and I both knew she couldn't make the car payments any longer my wife told me to offer her a 50% refund....now understand this was after 7 months and 12000 miles later of driving the car.....she refused the offer,,,,that offer is no longer available...
if she would like to go to court to allow a judge to decide we are ready to persue that avenue...its totally up to her,,,,but again once she opens that door it will give us the right to sue her for the full contract that she defaulted on....and unlike her...we do have the funds to follow thru with it
thankyou

FIRST OF ALL. IM JUST THE GM HERE ...[redacted] IS NOTHING MORE THAN A SCAMMER....YES THE VEHICLE WAS WRECKED BY A CONTRACTED EMPLOYEES GIRLFRIEND BUT THE VEHICLE HAD NOT BEEN SOLD AND [redacted] STILL CARRIED HIS OWN INSURANCE ON THE CAR...WHEN HE WAS CONTACTED BY HIS INSURANCE CARRIER TO SETTLE...

THE CLAIM HE WOULD NOT TELL THEM THAT HE GAVE PERMISSION FOR US OR ANYONE THATS ASSOCIATTED TO DRIVE THE VEHICLE....WE HAVE SIGNED CONTRACTS THAT HE GIVES US THIS AUTHORITY...HIS INSUARNCE REJECTED HIS CLAIM BUT HAS SINCE PAID IT IN FULL.....IF YOU READ BETWEEN THE LINES OF HIS STATEMENT ITS VERY OBVIOUS HES LIEING AND TRYING TO WAVE THE AMERICAN FLAG TO GET SYMPATHY....IM ALSO A VETEREN FROM VIETNAM AND IT DISCUSTS ME TO SEE WHAT OUR SERVICE MEN LIKE THIS TRY TO DO......WE TOTALLY DENY HIS CLAIM...

OK, WEVE REALLY HAD ENOUGH OF THIS...
MY BEING ON [redacted] HAS ABSOLUTELY NOTHING TO DO WITH ANYTHING....
THE BOTTOM LINE IS THIS....
1/ MS [redacted] DEFAULTED THE CONTRACT AND THATS WHY THE VEHICLE WAS RESPOSSED
THE FOLLOWING DEFAULTS ALLOWED ME TO HAVE THE CAR LEGALLY REPOED....
FIRST I REQUESTED HER TO GIVE ME HER ADDRESS,.,,,5 TIMES I ASKED THIS....SHE REFUSED
I ASKED HER TO DISCLOSE THE ,MILEAGE TO ME THAT SAYS SHE HAS TO DO IN THE CONTRACT...SHE REFUSED...
HER PAYMENT WAS DUE ON JAN 24TH...SHE DID NOT MAKE THIS PAYMENT...
I ASKED TO TO RETURN THE VEHICLE  PER DEFAULT....SHE REFUSED
SHE AND HER SO CALLED ATTY HAVE BEEN IN CONSTANT CONTACT WITH MY ATTORNEY AND HIS PARALEGAL NUMBEROUS TIMES
THE CONTRACTS WE USE WERE WRITTEN BY ONE OF THE TOP CONTRACTUAL ATTONEYS IN COLORADO AND ARE 100% COMPLETELY LEGAL
SHE HAS STATED MANY TIMES THAT ALL HER THREATS ARE BECAUSE SHE COULDNT BUY THE VEHICLE....I HAVE IN WRITTING THAT MY VEHICLE WAS A LEASE PURCHASE AND COULD BE PURCHASED ANYTIME DURING THE LEASE PERIOD OR AT LEASE END IN DEC 2015 FOR $21000.00.....SHE KNOWS SSE HAS NO CREDIT AND HER AND I BOTH KNOW WHY AND YES I HAVE A CREDIT REPORT ON BOTH HER AND HER HUSBAND...
I EVEN MADE THE OFFER TO HER IN WRIITING THAT I WOULD PERSONALLY COSIGN FOR HER TO BUYOUT THE VEHICLE FOR $21000.00
SHE CAN MAKE ALL THE THREATS SHE WANTS...  SHES NOT GETTING A REFUND,,,NO MATTER HOW MUCH SHE THREATENS...
SHE KEEPS ATTACKING A COMPANY THAT I ONLY MANAGE...
SHE WAS MADE A MORE THAN FAIR OFFER THAT SHE REFUSED...THE ONLY ONE THATS LIED AND TRIED ALL THE BULLYING TACTICS IS HER...
SHE KEEPS TRYING TO TURN THIS AROUND TO MAKE HERSELF LOOK LIKE THE VICTIM...SHES DEFINITELY NOT....
THE BOTTOM LINE....SHE DID NOT HAVE THE FUNDS FOR HER JANUARY PAYMENT AND TRIED EVERYTHING SHE COULD GET OUT OF IT AND IT DID NOT WORK...I TOLD HER NUMEROUS TIMES THAT I DID NOT WANT THE VEHICLE BACK AND THE LAST THING I WANTED TO DO IS HAVE IT REPOSSED.
NO ONE WAS [redacted]...[redacted]
I DID WHAT I HAD TO DO TO PROTECT THE VEHICLE....

From: [redacted] <[redacted]>
Date: Tue, Feb 18, 2014 at 10:56 AM
Subject: Case #[redacted] Email 1 of 2
To: [redacted]
Attached is my supporting documents with regards to my rejection the response received back from Southern Auto Assumptions. Also, below is an outline of the message I tried to send via the complaint but it would not go through. I am going to have to send this in 2 separate emails because the attachments are too large for just one.
 
 I have attached copies of text messages and emails that will prove that Mr. [redacted] lied to me from day 1. I have underlined and made notes on some as well as named who was writing what. I have color copies as well if that helps. It will also show that everything he responded to you was also not the truth. I want the entire deposit back that he wrote in a text he would give me, as well as the insurance that he never paid to Progressive that I paid him every month. His response was mostly lies as you will see once you read all of the emails and text messages supporting my claim.
Mr. [redacted] stated that the agreement is solely between he personally and myself and has nothing to do with Southern Auto Assumptions. I have attached a copy of our agreement, as you will see, it clearly states the agreement is between” Sublessor  Southern Auto Assumptions” which is clearly stated in the first paragraph.
His next item states that the insurance was in his name as a convenience and that I was unable to obtain my own insurance.  My husband and I have had Geico Insurance for years. My husband’s truck is under Geico with myself as an additional driver. Our account is under [redacted] and [redacted], Policy Number: [redacted] .  I’ve also included payment instructions from [redacted] with the insurance amount to be paid, with my car payment, directly into his account. He has Progressive Insurance, I have been paying this the entire time I’ve had possession of the vehicle, on time, every month with my payment, [redacted] never instructed me to go out and get my own insurance, which I could have just added the vehicle to my current policy. On or around January 28, 2014, I phoned Progressive and spoke with a Supervisor who could not give me any confidential information but did confirm that neither myself nor my husband were ever on that account, even as an additional driver. The entire time I had the vehicle and thought I was insured was a lie, I paid [redacted] and he never added me to his policy, he only collected the money.
[redacted] indicated that he paid Honda and the insurance company every month. I have attached documentation, including a certified letter, that I sent to [redacted] and Southern Auto Assumptions, requesting proof that payments were being made and that I was insured, they refused. According to the contract, #19 Owner’s Obligations, I am within my rights to request this information. My husband called [redacted] Honda in Georgia where the vehicle was leased, according to supervisor [redacted], none of their leased vehicles can legally be subleased to anyone. I plan on calling him back and sending [redacted] Honda a copy of the agreement between myself and Southern Auto Assumptions/[redacted].
Mr. [redacted] said in his response that “[redacted] claimed to ask about the vehicle lease 4 days after signing the agreement is totally without merit”. Please see attached email and text messages where I questioned whether the vehicle is a lease beginning 4 days after I took possession of the vehicle and again when the new registration came in indicating it was a “lease”. Mr. [redacted]’s response is attached where he assures me it is not a leased vehicle. As for the residual which he told me about in December, I have also included Mr. [redacted]’s  text  once again assuring me that it is a purchase and if it is a lease, he would pay the entire residual, I had nothing to worry about. He also mentioned that me and my husband (who is not on the agreement) were not “credit worthy”, no credit check was ever done so I am not sure why he would make such a statement. He also, in a documented text, accused me of bouncing checks and “your kind of people”, I have never in my life bounced a check so again, this is how Mr. [redacted] and Southern Auto Assumptions do business.
Next he accuses me of using the vehicle for commercial use. I am a non-competing Managing [redacted]r for [redacted] Group, formerly [redacted], which means I do not compete with my [redacted]. I am the manager; I never take out buyers or represent sellers, hence, Non-Competing [redacted]r. Feel free to contact my manager, [redacted] who is the Vice President of Residential Sales at [redacted] who will verify my title and job description.
Mr. [redacted] in his response indicated that the vehicle mileage at takeover in July 2013 was 10,800 miles which is not correct. Please see the contract, the mileage was 11,800 miles when I took possession of the vehicle. I’ve attached the photo that I texted to Mr. [redacted] on January 24th with a picture of the odometer as he requested which read 21,544 not 22,857 as he indicated in his responseMy next car payment was due on that date and because we were in contract dispute and he did not provide me with proof that payments and insurance were being made, I sent him a text (attached) asking him how he wanted to proceed. He then sent me the text requesting the photos, odometer, etc. I left work early to get him those photos in hopes that we would resolve things and at this point go our separate ways; I did not want anything to do with a [redacted] currently on [redacted].
Mr. [redacted] continues to accuse me of not giving him our new address. I’ve attached a copy of the original text which gave him our address prior to our moving. He acknowledged receiving it. I reminded him to send the registration to our new address, he asked for it again which I immediately signed. I contacted [redacted] again because I had not received the new registration which he charged me $20.00 to fed ex to me, he again asked for the new address which I sent him for a 3rd time. It took him 2 weeks to get me the new registration; he took my $20.00 and sent it regular mail.
The vehicle was removed from my fenced backyard on Monday, January 27th at 5:30 p.m. not January 28th as he put in his response. I have a text message from my neighbor letting me know the truck was gone. She took a picture of the truck leaving our property.
I did contact law enforcement and plan on file a complaint with the Georgia State’s Attorney’s Office. I also contacted a Civil Attorney, at the advisement of my attorney, [redacted] who indicated that the contract I signed is fraudulent but wanted the Civil Attorney to look it over since car dealership contracts are his speciality, he confirmed that it is a fraudulent contract. The only issue is that Southern Auto Assumptions is out of Georgia and that is where we would need to go to court, he is not licensed in Georgia. I do not have the money to hire an attorney, which is why I am going to turn it over to the State’s Attorney’s office to investigate. I also plan on notifying the IRS since Mr. [redacted] only takes CASH deposits. I’ve also included the original email indicating why he could not lower my deposit to $3,000 was because he said he put $6,000 down. Later in another text, he denied saying that and indicated that “who in their right mind would put $6,000 down on that vehicle, he was referring to his corvette”? I have attached more of his lies.
As for the person who called him “on my behalf” as he indicated. The only person that I authorized to call him or his legal counsel was my attorney, [redacted]. I have no control over anyone else calling him, but it definitely was not on my behalf.
I’ve also included the name of the attorney Mr. [redacted] told me to contact and to not contact him again. My attorney told me to look up [redacted]’s Attorney, [redacted] from [redacted], FL on the Florida Bar website to confirm that he is licensed, naturally he is not. I did google his name and he came up under the “Rip-Off Report”, he took people’s money and did nothing, they are questioning whether or not he is an attorney, which he is not just another crook.
As you can see, everything [redacted] sent to you was a lie. I don’t lie, I don’t steal and I have never in my ** years of life ever broken the law. I’ve also attached a copy of his website showing Revdex.com Logo with Accredited Business which was printed today at 1:45 p.m. which as you know is a lie. When I texted him and told him that he was not accredited, his response was “well we’ve applied.”  I have also attached his [redacted] information and some other documents. I have many more text messages if you need them.
This man must be stopped. He is a crook and preys on people on the internet. I found him thru an ad on craigslist, I should have known better.  
 
 
Warm Regards,
[redacted]
Managing [redacted]r | Market President
[redacted]

Revdex.com:
I have reviewed the response 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
 
 FIRST THE DOWNPAYMENT WAS BROKEN DOWN IN TWO PAYMENT $739.00 THEN SECOND PAYMENT TWO WEEKS LATER$739.00 ON NOV4 2013 THEN NOV18 2013 $474.00 HE SAID THE PAYMENTS GOING TO BE $474.00  439.00 PLUS A MAINTIENCE FEE OF $35.00 TOTAL 474.00 FOR HOW LONG I DON,T EVEN KNOW THATS WHY I CALL HIM SECOND I DON,T DRINK I,M DISABLE PERSON WITH A HEART CONDITION THIRD I SAID THAT I WAS THINKING GETTING A BIGGER CAR BUT NEVER TOLD HIM ABOUT THAT I NEVER WHEN TO ANY DEALER FOR THE EXCHANGE OF MY VEHICLE. THIS PERSON IS VERY HARD TO DEAL WITH.  HE SAID HE WAS TRYING TO WORK WITH ME THAT IS ALL LIES  AND ALSO HE SAID THAT I  VIOLATED THE TERMS WHATS TERMS WHEN I HAVE BEEN PAYING EVERY MONTH AS FAR PAYING THIS MONTH OF JUNE I WAS WAITING ON MY LAWYER TO ADVICE ME I WILL PAY MAYBE TODAY OR TOMORROW AND ALSO HE DID CURSE ME OUT

Revdex.com:
I have reviewed the response 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
 
 I totally disagree with the response from Mr. [redacted] of Southern Auto Assumptions. I do not have the funds to hire an attorney to personally represent me in this complaint.
I am respectfully asking to utilize every option the Revdex.com has available to resolve this matter. Since I cannot afford an attorney, I would like to formally request Arbitration through the Revdex.com as a means of resolution.
Respectfully,
[redacted]