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I'd put more effort into finding the disconnect. Not sure how long it takes the dealer to get "paid" but if and when they get paid they know where the money came from. If they don't get paid, they can't just eat the loss, they'll need to fix the mistake. They may just not know yet they made a mistake.
Also, in our state, the title shows owner and lien holder. Not sure how your cert looks, but how does a bank repo a vehicle if their name appears no where on any paperwork?
It appears that OP has and is putting forth the effort to get this resolved. If the dealer and finance company can't run their businesses any better than that, they are extremely poor operators. In today's world this is quite common, be it customer service, inventory control, money management, etc. I hope that this gets worked out, as OP seems to be an honest person.
Thank you. I do have 3 grown children that I raised as a single dad because their mom was a druggie failure. They are all fine adults, established and my oldest in a 100% disabled Vet kicking in doors two tours in Afghanistan. I lived my life honestly. If your gonna raise children to be good people you damn sure can't not be one. As far as his comment, yeh it offended me and my first thought was to call him a douche. He's not worth my time.
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I don't know. I'm sure they'd have to take it to court with a vin. It will never go that far as I'll just pay it of course.
You sound like a decent guy trying to do the right thing. I’m sure this has to be frustrating - both the financing limbo and the people who are being judgemental towards you. The only thing I can think of is maybe contact the owner of the dealership - it’s his bottom line at stake and he’ll care even if some of his employees don’t. I’d make sure the cash for the payments is put aside and since it’s not your fault, I’d vehemently object if they want to charge any additional interest or late fees when they do straighten it out. In the meantime, enjoy the bike!
Don’t call them. Go to the dealership and sit in front of someone with your paperwork and hammer it out. People are lazy and will always take the easy way out especially over the phone. Ask them who did they get your loan from, did they get paid, and then follow it from there. Assuming you haven’t done this already of course.
Exactly what I instructed the OP to do on several occasions—and he’s not willing to do that then he’s NOT doing everything he can to resolve it!, I would never in my life buy a $10,000 item and not do everything I could to honor my contract and pay for it, regardless of who’s fault it may be — DO THE RIGHT THING!! And if he’s taking offense to what I stated ,tough shit .,maybe he’s the one that should look in the mirror . As far as the kids are concerned, is that what you want to teach yours? If someone makes a mistake on paperwork ,that its ok to slip away and pay nothing for your merchandise ?? As I’ve stated a thousand times , I’ve been a retail dealer for many years and specialize in finance. In 40+ years I have never once encountered a situation that he is describing,nor has any of my finance friends. Whatever error happened needs to be corrected. It WILL get caught sooner or later , so why wait for the hammer to come calling ?? Man, some of you guys seem to feel he’s entitled to a free bike because some asshat somewhere messed up some paperwork ?? That is fucked up thinking .
To the OP — you came here looking for advice , but when a guy that has 40 years of indirect financing tells you how to handle it , but my advice doesn’t fit your agenda, you ignore it. You came on here only wanting to hear “ you did what you can, congrats on the free bike “, and get some positive reinforcement on not paying.
And I also offered a way to find his problem within 30 minutes , but again crickets……
The thing is- he HASNT tried to do the right thing. I’ve offered my advice to him multiple occasions and obviously he hasn’t done any of it . This can be resolved in 30 minutes, but he’d rather claim he’s done everything he can do and wants everyone to just reinforce that claim and tell him to just go enjoy your free bike 😂. It doesn’t matter who’s fault it is or who may have made an egregious error somewhere , the fact remains that the RIGHT thing to do is to pay for your shit , even it requires a little extra effort to do so. Why is that a difficult concept to grasp?
Correct . There’s definitely “ a squirrel in the woodpile” somewhere in this deal. And I’ve done my best to give the proper advice to the OP to quickly get this “mystery” resolved. But I’m getting the feeling that he wants it to remain a mysterious error and run it as long as he can before the sword drops .
Nobody is saying he shouldn’t pay for the bike. He’s tried to pay for the bike. You haven’t told him how he can resolve this. You’ve told him how you could resolve this in 30 minutes. You don’t work at the dealership that he’s dealing with. He’s contacted them and they don’t appear to be cooperating. He’s contacted the the finance company. For a customer who doesn’t deal with this kind of thing on a daily basis, it’s frustrating when nobody will give you an answer. The question is: What can the average consumer be expected to do? Contact the dealer and the bank. That’s it. Not camp out at the dealership waiting for the right person to come along. I’d send emails so I have my efforts in writing and if nobody did anything I’d ride the damn bike. Inferring malice is really uncharitable and you’re kind of coming across as a jerk.
I am saying he has NOT done “everything he can do “as he is inferring, lol. It would have never gone on this long . I have told him the proper steps . Apparently he hasn’t done not done them or this wouldn’t be going on. I even offered to get to the bottom of it myself as I have high level contacts in most every major lender in the country that does third party paper .if that makes me a jerk , sorry you feel that way
He’s not inferring anything - you’re the one inferring, that he’s maliciously trying to rip someone off. As far as personally involving you, you’re not exactly selling yourself as someone desirable to do business with. I sure as shit wouldn’t.
It’s not his job to do someone else’s accounting. There’s been an accounting error somewhere. I’ve done many review engagement financial statements where I’ve found egregious errors, often made by competent accountants for sophisticated businesses. It happens. And the answer sometimes is completely out of left field. I don’t know exactly what went wrong here and neither do you. I’ve seen enough weirdness to know not to assume I know what happened. You tell the parties that something has gone wrong and they figure it out. That’s the extent of the customer’s responsibility. He’s done that multiple times.
Bro, I’ve bought bikes from dealers 6 hours one way from home. If this was me, and I called multiple times trying to fix it, There’s no chance I’m driving out there just for them to do their job…
You’re so out of line on this. He called the lender, he called the dealer. If they don’t care, I don’t care. He did more than enough. Way more than enough.
A— you do NOT know that he’s done anything other than possibly make a few phone calls and have someone tell him that they have the same paperwork as he does . THAT is not an answer that will resolve anything and you know it . In today’s finance/ lenders world ,”paperwork” in most dealerships have been replaced by e-contracts and EVERY finance contract can be tracked BY THE MINUTE , from the time the credit bureaus are run , to the application submitted, to the “approval” , to the signed / completed contract, to the exact time the lender received the contract ,and the exact time that the dealer was paid for that contract . IF the OP went to the Dealer ,they would most DEFINITELY have the ability to show the exact timeline of his deal electronically. THATS why I believe he really hasn’t done shit to really try to resolve this . Any other F&I guy that reads this dilemma on here ( and there are a couple) would 100% agree with what I’m saying . THATS why I’m sounding a bit caustic and skeptical of his “ I’ve tried everything “ story. It’s simply can not be true . Sorry
You know what Karen, fuck off. Why would I lie? Your in Finance. Thete is no need for anyone to believe you anymore than believe me. Maybe maybe not..I've done everything I've said I've done and I have the simple envelope at home with paperwork in it. Not every dealership is as high tech as you despite what you think. I have nothing to gain from this. I'd pay the bike tomorrow but if you think I'm going to drive a few hours in another state, sit down and tell them that Karen the Finance guy on the forum said to do this your F'n nutz. They got paid I' m sure and they could care less about anything else. I've done the legwork and its not on me to worry about some multi billion dollar finance companies ability to process loans. Believe me, don't believe me. I could give two shitz.
All this high tech dealers and finance software that tracks to the minute and yet you want to blame me like I kicked in the door and stole it or gave a fake ID. If I'd done that I damn sure wouldn't be on here talking about it. Im sure tour super stressed and will sleep over it.
I'm done.
A.) I’m most certainly NOT your “ Bro”. B.) I OWN Dealerships and specialize in third party / indirect lending for longer than you’ve been alive ,( i’m guessing ,by the use of “Bro” ) . In the case of an actual mistake by the dealer and/or Lender — it still does not give a customer the Right to take possession of the vehicle/bike without ever paying for it. Yes, it may be a pain in the ass to track down the point of ‘breakdown’ ,but still it’s morally the correct thing to do , and just as importantly it’s a legal contract he signed ( hopefully) . There is really no debate on what is the right thing to do— and he hasn’t done it or it would have been resolved by now . This is not rocket science.
Again for the 100th time , if he can get the DealerTrack timeline of the deal —(from the Dealer ) it would answer every fucking question there is about his deal electronically. From point A to Z. All the questions and mysteries would be solved . I even offered to call the South Carolina dealer for him , as I know exactly the correct questions to ask. However, due to the Privacy Act they won’t send me the DealerTrack timeline ,but I could request it to be sent to the OP.
Pit Row
And there lies the problem as I suspected. You haven’t done shit to resolve the issue, and you don’t care to. You’re really hoping it goes away . Believe me ,it will not . Grow a set and ask that dealer to show you their DealerTrack timeline. You say your Lender is a “ major” bank. If that’s true ,they would ONLY accept dealer applications thru DealerTrack or Route1 , so yes they would have to be ‘high tech’ if they’re dealing with a major lender . I’m the last person on this Earth that is a “Karen” , but I’m definitely man enough to do the right thing and pay bills that are rightfully mine . And by the way , I OWN multiple brick and mortars . (Not just a finance guy - so it’s you that should possibly do the fucking off,actually) ✌🏼
I’ve told you multiple times, if you truly want a resolution to this ,either follow my suggestions or PM me and I’ll get the answers you need with just a little more info. I’ve been just trying to help you avoid a legal headache down the road, but you are starting to give me the ‘ostrich with their head in the sand’ vibe.
You state you’ve called multiple times— did you talk to the GM or owner , and if so demand a copy of the electronic timeline from their application source ( DealerTrack or Route1) they legally need to supply that upon request( NOT paperwork,) . And that one simple request is all you need to fix this . Your reluctance to do that and bold antagonistic statement above certainly seems to be indicative of someone that doesn’t want this to actually be resolved. Hence my frustration. Again, you came on here looking for advice and I gave you the ONLY sound advice to fix it . So do it .
Or you can keep riding it out and hope for your version of the correct outcome —
Nobody gives a single fuck on anything you have to say directly due to your own douchebaggery.
But yet , you haven’t asked for it to find the breakdown, one simple request and you’ll get your answers —- 😂😂. Get that timeline, find the issue, fix that issue and start paying for the bike . Simple shit