Auto Dealer Yo-Yo Financing Scam: Mitambo ya Spot-Livraison mpe Tango Bazali Kosenga Motuka Ezonga¶

Kokende na ndako motuka ya sika oyo osombi to oyo ofutaki nsima ya kotia maboko na Contrat ya Vente à tranches de détail (RISC) na concessionnaire, kaka mpo na kozwa appel ya téléphone mikolo 5 to 21 sima epai ya mokambi ya misolo koloba ete "financement na yo ya banque ekweyi na nzela" mpe kosenga ete ozonga na concessionnaire mbala moko mpo na kotia maboko na contrat ya sika na taux ya intérêt ya likolo mingi (APR), kofuta $2,000 ya kobakisa mpo na $4,000 na nse, to kokutana na repossession mbala moko mpe kokangama mpo na "grand theft auto," ezali motambo ya auto-finance ya prédateur oyo epalangani mingi eyebani lokola Yo-Yo Financing Scam (to Spot-Delivery / Bushing Scam). Likambo ya mabe koleka, ntango oboyi kondima intérêt ya likolo mpe osengi kaka koboya boyokani mpe kozongisa motuka na yo ya kala ya mombongo, motɛkisi alobaka mbala na mbala ete: "Tosilaki kotɛka to kotɛka motuka na yo ya mombongo, yango wana ozali na nzela mosusu te bobele kotia sinyatili na kodefa ya sika." Na États-Unis, Canada, Royaume-Uni, mpe Australie mobimba, mibeko ya fédéral ya kodefisa bosolo, mibeko ya leta oyo etali kopesa mbongo na mbala moko, mpe Mombongo ya Fédéral Commission (FTC) e réglementer strictement ba livraisons conditionnelles ya mituka. Mbala mingi, Contrat ya Vente en tranches ya détail oyo o signaki na concessionnaire ezali déjà contrat ya crédit oyo ekangami na mibeko oyo concessionnaire ye moko azali Crediteur oyo azali na kombo ya mibeko, to concessionnaire azangaki fenêtre na ye ya annulation ya strict statutaire (lokola mikolo 4 na Washington, mikolo 4 na Maryland, to mikolo 10 na Californie), elingi koloba concessionnaire azali na droit zéro na mibeko ya kobongola taux ya intérêt na yo to kozua motuka ezongi. Soki mosali ya concessionnaire to mosali ya remorque aye na ndako na yo to na esika ya mosala kosala ba menaces to koluka kokanga nzela na yo ya kokɔta na ndako, benga esika ofandi banimero ya mbalakaka mbala moko; mpo na makambo ya mbalakaka ya motuka oyo etali yango, talá Droits ya repossession ya auto na ya récupération ya motuka, . Mibeko ya citron, mbeba ya motuka ya likama, bokosi ya motɛkisi, mpe bosenga ya kosomba lisusu, mpe Predatory towing, booting, ba frais ya impound oyo eyokani te na mibeko, mpe ba droits ya liberation ya motuka.

Sala boye sikoyo¶

1. Batela bokengi na yo ya nzoto mpe kopesa ata moke te bafungola na yo na ntango ya motambo ya parking. Ba concessionnaires oyo ezali kosala ba escroqueries ya yo-yo mbala mingi ebendaka basombi bazonga na salle d'exposition na kolobaka, "Bómema motuka mpo tokoka kosilisa étiquette ya mwa ntango to totia sinyatili na formulaire moko ya banki oyo ezangi," mpe na nsima kotelemisa mituka mibale nsima ya motuka na yo mpo na kokanga yango ntango ozali kolongola bafungola na yo na mesa. Kotambola ata moke te motuka oyo ezali na matata na esika ya concessionnaire ntango matata ya misolo ezali kosala. Soki mosali ya motɛkisi to agent ya repo akutanaki na yo na ndako to akangaki motuka na yo, vanda na kati nsima ya baporte oyo ekangami ata na ntaka ya mɛtrɛ 2 mpe benga esika ofandi banimero ya mbalakaka (911 na Etats-Unis mpe Canada, 112 na UE, 999 na Royaume-Uni, 000 na Australie).
2. Kotia sinyatili TE na Contrat ya sika ya koteka na ba tranches ya détail, contrat oyo ezongisami sima, to boyokani ya APR ya likolo. Kotia maboko ata moke te na contrat ya mibale na APR ya likolo, ya ntango molai ya kodefa, crédit ya mombongo ya moke, to ba garanties oyo ebakisami. Likolo ya nionso, ko signer jamais contrat backdated (ko signer contrat ya sika lelo oyo ebandaki na date ya achat original il y a deux semaines). Kozongisa mikolo ya sima ya contrat ya installment ya détail ebukaka Truth in Lending Act (TILA, Regulation Z, 12 CFR Part 1026) ya fédéral mpo ete esɛngaka intérêt mikolo mingi liboso ete boyokani ya sika ya misolo ezala mpe ebebisaka ntango na yo ya bolongoli oyo epesameli na mibeko.
3. Bimisa mikanda na yo ya ebandeli mpe tala makambo mibale: (a) O signaki "Livraison conditionnelle / Livraison spot / Droit ya ko annuler Rider"? mpe (b) Mikolo boni eleki?
4. Tala likolo ya Contrat na yo ya Vente en tranches de détail (RISC): Na se ya TILA, Creditor oyo etangami na contrat ezali presque toujours Auto Dealership yango moko (Chase, Ally, to Capital One te). Concessionnaire esali contrat ya crédit obligatoire na yo mpe sima emekaka kopesa (koteka) contrat wana na banque ya troisième partie na marquage.
5. Soki ezali na "Droit ya motekisi ya ko annuler / Accord ya livraison conditionnelle" oyo ekomami TE na paquet ya contrat na yo oyo o signer: Deal ezali 100 pour cent final et sans condition. Soki banque oyo concessionnaire azalaki na espoir ya koteka crédit na yo eboyaki devoir, wana ezali problème ya concessionnaire : concessionnaire ye moko asengeli na mibeko kokumisa contrat lokola modefisi na yo na APR ya sikisiki mpe na lifuti ya sanza na sanza oyo o signaki.
6. Soki ezali na clause "Droit ya Moteki ya ko annuler" to Spot-Delivery Rider: Tala motango ya sikisiki ya mikolo ya calendrier oyo enyatami na clause (mbala mingi mikolo 10 na Californie, mikolo 4 ya mosala na Washington, mikolo 4 na Maryland, mikolo 10 na Virginie) mpe tala mokolo ya elembo ya poste ya liyebisi nyonso ya bolongoli oyo ekomami. Soki motɛkisi abengaki yo kaka na telefone na Mokolo ya 14 kozanga kotinda liyebisi ya kokoma na ntango oyo ebongi na kati ya lininisa oyo epesameli na mibeko/ya boyokani, lotomo ya motɛkisi ya koboya esili na mibeko mpe mibeko ya kodefa ya ebandeli ekangami mpo na libela.
7. Yeba ete menace ya concessionnaire ya koyebisa motuka lokola "Eyibi" na police ezali tactique ya extorsion civile illégale. Ozali na possession ya motuka na ndenge ya mibeko engebene na contrat ekomami oyo o signer mpe livraison volontaire ya ba clés na concessionnaire. Komema motuka na ndaku na se ya contrat signé ezali likambo ya contrat civil, jamais moyibi ya voiture criminelle. Ata sima ya liyebisi ya malamu na mokanda ya bolongoli, ba départements ya police ya mboka etalelaka matata ya bopesi na esika moko lokola makambo ya civil longola se soki tribunal epesi mokanda ya kofunda na makasi mpo na kotinda mosombami na makasi atia maboko na mosolo ya kodefa na intérêt mingi ezali kobuka mibeko ya l’Etat Misala mpe misala ya bosembo te mpe ya bokosi (UDAP).
8. Soki motɛkisi alongoli na ndenge ya malamu na kati ya fenetre ya mibeko, senga 100% ya Lifuta na yo ya liboso MPE Motuka na yo ya Trade-In ya mosuni (to motuya na yango mobimba ya kontra/motuya ya zando ya malamu) YAMBO ya kopesa bafungola ya motuka ya sika. Na nse ya Mobeko ya motuka ya kala ya FTC / mibeko ya UDAP mpe mibeko ya bopesi na esika moko ya leta (lokola Eteni ya Code civil ya California 2982.7, Code ya transport ya Maryland Eteni 15-311.2, mpe Eteni ya Code ya Virginie 46.2-1530), soki botekisi ya condition elongolami mpo ete misolo endimami te, bolongoli ezali bolongolami mobimba (status quo ante):
9. Motɛkisi AKOKI TE kofuta yo "ba frais ya kilométrage," "frais ya location ya mokolo na mokolo," to "frais ya restocking/detailing" tango motekisi alongoli livraison spot na ba états lokola Californie, Virginie, Washington, mpe Maryland.
10. Motɛkisi ESENGELI kozongisa motuka na yo ya mosuni ya mombongo na ezalela moko MPE 100 % ya mbongo oyo ofutaki liboso mbala moko na bozongisi na yo ya motuka ya sika. Soki motɛkisi atekaki na ndenge ya mabe trade-in na yo avant financement esila, basengeli kofuta yo likolo koleka ya indemnité ya trade-in oyo elobami na contrat na yo to valeur juste ya marché ya détail (plus ba dommages statutaires na ba états mingi).
11. Zwá ndingisa ya liboso ya mbala moko epai ya Union de Crédit ya esika ofandi na boumeli ya ngonga 24 soki olingi kobatela motuka na APR ya nse. Mbala mingi, likambo oyo motɛkisi alobi ete "banque moko te ekondima yo" ezali lokuta: banque endimaki mpenza kodefa na yo na 6,5% APR, mpe motɛkisi atyaki elembo na kontra na yo kino na 9,5% APR mpo na kokɔtisa 3% "Reserve ya motɛkisi"" kickback, to banque eboyaki kopesa mbongo ya $5,000 ya ba add-ons ya F&I oyo ezalaki na talo mingi (gravure VIN, pneus azote, protection ya peinture). Tambola na kati ya cooperative ya crédit ya mboka lelo na commande ya mosombi na yo mpe VIN; soki cooperative de crédit endimi kodefa na yo, bakopesa yo chèque mpo na kofuta mbala moko motɛkisi, mpe bakoleka mpenza departema ya mosolo ya motɛkisi.

Nzete ya mikano: Kobika na bosenga ya misolo ya motɛkisi ya mituka Yo-Yo¶

flowchart TD
    A["Dealer Abengi Mikolo/Poso Nsima Ya Kosomba Azali Kosɛnga ‘Financing Fell Through’ & Azali Kosɛnga APR Ya Likolo, Lifuta Ya Likolo Mingi, to Bozongisi Motuka"] --> B{"1. Tala Contrat na yo ya vente en tranches ya détail (RISC): Ezali na clause oyo o signer ‘Droit ya motekisi ya ko annuler / livraison conditionnelle na esika’?"}
    B -->|"NO Clause ya Livraison Conditionnelle Etiamaki Sinyatili"| C["Deal Ezali 100% Final & Binding Sous TILA: Dealer Azali Créditeur Légal na RISC & Esengeli Ko Honorer APR Original Na Yo mpe Lifuta ya Sanza"]
    B -->|"OUI: Contrat Ezali na Droit ya Moteki ya ko annuler / Spot Livraison Rider"| D{"2. Motɛkisi apesaki liyebisi ya bolongoli NA MOKOMI liboso ya mokolo ya suka ya sikisiki oyo epesameli na mibeko/ya boyokani (e.g., mikolo 4 to 10)?"}
    D -->|"NON: Mokolo ya suka esilaki (e.g., Motɛkisi oyo Abengami na Mokolo ya 14 na Kontra ya Mikolo 10)"| C
    D -->|"OUI: Kolongolama na mokanda na ntango oyo ebongi na kati ya Fenêtre ya mibeko"| E{"3. Olingi OBOMBA motuka to KO UNWIND deal?"}
    E -->|"Bomba Motuka Sans Markup ya Concessionnaire"| F["Senga directement na Union de crédit to Banque locale mpo na Chèque ya Direct Auto Loan mpo na kofuta Prix ya Cash ya Concessionnaire"]
    E -->|"Détendre / Annuler Deal"| G{"4. Motɛkisi azali naino na Motuka na yo ya Trade-In mpe 100% ya Cash Down Payment na yo oyo ebongami mpo na kozongisa?"}
    G -->|"Ɛɛ"| H["Echange simultané Kaka: Photographe Condition ya voiture, Remettre ba clés KAKA lokola Dealer azongisaka maboko na ba clés ya Trade-In + 100% Cash Down Payment + Signed Cancellation Release (Zero Mileage/Location Fees)"]
    G -->|"Te: Motɛkisi Alobi ete Batɛkaki Deja Trade-In na Yo"| I["Violation statutaire (Bushing / Conversion): Senga Valeur ya Trade-In mobimba + Lifuta ya liboso na ba fonds certifiés & Dossier Immédiat l’Etat DMV Dealer Licensing / AG / FTC Plainte"]

Phase 1: Ndenge nini lisano ya "Spot Delivery" na "Dealer Reserve" esalaka na sima ya ba coulisses¶

Mpo na kolonga escroquerie ya yo-yo, esengeli o comprendre nini esalemaka na kati ya Biro ya Finances et Assurance (F&I) ya concessionnaire:

1. Concessionnaire Ezali "Crediteur" Original na Contrat na Yo:
2. Ntango osombi motuka mpe ozali kofuta yango na nzela ya concessionnaire, ozali kosala contrat ya kodefa na banki te. O signer Contrat ya vente en tranches na détail (RISC) (lokola Formulaire 553 ya Reynolds & Reynolds) oyo Ozali "Mosombi" mpe Concessionnaire ezali "Creditor - Moteki."
3. Sima ya ko conduire longwa na lot ("Spot Delivery"), directeur ya F&I asombaka RISC na yo oyo o signer na ba prêteurs indirects ya mituka (Capital One, Ally, Santander, Chase, Wells Fargo, to ba debiteurs captives ya fabricant) na espoir ya kopesa (koteka) contrat na banque.
4. Pourquoi Financement "Ekweyi Na nzela" (Mbala mingi Pona Lokoso ya Dealer, Crédit Na Yo Te):
5. Scénarios A (The Dealer Reserve Markup Failed): Banque endimi kodefa na yo na 7% "Taux ya kosomba," elingi koloba banque ekosomba na esengo contrat na yo na 7% APR. Kasi, mokambi ya F&I akomaki contrat na yo na 11% APR mpo ete motɛkisi akoka na poche ya $3,500 kickback ("Dealer Reserve") uta na banque, to ko pack $6,000 ya ba add-ons ya après-vente oyo ezangi ntina na crédit, kopusaka ratio Loan-to-Value (LTV) likolo ya 130%. Tango banque elobi, "Toko financer kaka crédit oyo na 115% LTV longola se soki motɛkisi akati ntalo ya ba garanties na ye ya après-vente," motɛkisi aboyi kotika marque na ye mpe na esika na yango abengi yo koloba "financement na yo eboyamaki" mpo na kobimisa mbongo mosusu ya liboso ya $2,500 epai na yo.
6. Scénarios B (Intentional Bushing / Bait-and-Switch): Concessionnaire ayebaki samedi na butu que score na yo ya crédit 560 eko qualifier jamais pona crédit ya 5,9% APR, kasi akosaki pe akomaki contrat ya 5,9% de toute façon kaka pona ko longola yo na marché, ko longola motuka na yo ya trade-in na nzela, pe kosala que ozala emotionnellement attaché na kolakisa motuka ya sika na famille na yo pe baninga ya mosala, koyeba ete mikolo 10 sima okoyoka ete okangami mingi mpo na koboya ntango bakosenga yo otia maboko lisusu na 21.9% APR.

Eteni ya 2: Mibeko ya bopesi biloko na esika na etuka na etuka mpe mikolo ya suka ya bolongoli ya makasi¶

Tala mibeko oyo etambwisaka etuka na yo (mpe esika ya sikisiki "Makoki ya motɛki ya koboya" na nsima ya Formulaire 553 Contrat na yo ya installment ya détail):

Eteni ya misato: Motambo ya liyebisi ya misala ya mabe ya "Mobeko ya mabaku ya kodefisa ndenge moko (ECOA)" ya Fédéral¶

Batekisi oyo bazali kosala ba escroqueries ya yo-yo babukaka mbala na mbala Mobeko ya Equal Credit Opportunity Act (ECOA, 15 U.S.C. Section 1691(d) & CFPB Regulation B, 12 CFR Section 1002.9):

1. Motɛkisi Azali "Modefisi" Na Nsé ya Mibeko ya Fédéral: Na nsé ya Règlement B, motɛkisi ya mituka oyo ebongisaka mbala na mbala misolo to esanganaka na mikano ya kodefisa ezali Modefisi.
2. "Avis d'action adverse" oyo ekomami obligatoire: Tango nionso modefisi aboyi crédit, asilisi ebongiseli ya crédit oyo ezali, to aboyi kopesa crédit na ba conditions oyo osengaki, mobeko ya fédéral esengaka Avis d'action adverse ekomami ya mibeko oyo ezali koloba bantina ya ntina ya sikisiki ya koboya mpe score ya crédit oyo esalelami.
3. Ndenge nini kokanga Motɛkisi na lokuta: Tuna mokambi ya mosolo na mokanda: "Soki olingi kotindela ngai kopi ya mokanda ya Action Adverse / Denial Notice oyo ekomami uta na banque, mpe elembo ya ngonga ya sikisiki oyo ezali kolakisa ntango nini bosengi na ngai ya crédit etindamaki." Tala rapport na yo ya crédit na AnnualCreditReport.com mpo na komona badefisi nini babendaki Hard Inquiry na dossier na yo ya crédit. Soki banki moko te ebendaki crédit na yo na mokolo ya kosomba, to soki banque eyebisi yo "Demande na yo endimami, to motɛkisi alongolaki yango," okangaki concessionnaire na bokosi ya mituka mpe misala ya mombongo ya bokosi.

Phase 4: Est-ce que soki concessionnaire alobi "Toteki déjà voiture na yo ya trade-in"?¶

Tango oboyi ko signer contrat ya sika ya 19% APR pe osengi kozongisa voiture na yo ya kala, ba concessionnaires balobaka mingi: "Totindaki déjà trade-in na yo na vente aux enchères ya gros, yango wana esengeli o signer contrat ya sika." Exécuter ba 4 étapes oyo mbala moko:

1. Tala VIN ya Trade-In na yo na Internet Sikoyo: Google Numéro d’identification ya motuka (VIN) ya 17 chiffres** ya motuka na yo ya trade-in. Mbala mingi, okokuta trade-in na yo afandi kaka na site internet ya concessionnaire ye moko oyo etangami mpo na koteka na détail na esika na bango ya mituka ya kala. Screenshot ya liste na date, prix, mpe ba photos mbala moko.
2. Preuve ya demande ya transfert ya titre ya gros: Concessionnaire akoki te ko transferer titre na ndenge ya mibeko sans gros Fucture ya vente, Receipt ya Porte d'enchères, mpe Déclaration ya Divulgation ya Odomètre Fédéral. Senga bakopi na mokanda.
3. Yeba Droit na yo oyo epesameli na mibeko mpo na motuya mobimba ya mombongo: Koteka mombongo ya motɛki liboso ete misolo ya kopesa na esika moko elongolama ezali kobuka mibeko ya motɛkisi ya leta mpe ezali kobimisa Licence ya motɛkisi ya mituka ya motuka mpe Cauration ya motɛkisi ya motɛkisi mpo na ba réclamations. Ata soki motɛkisi ateka mombongo na yo, yango etindaka yo TE otia sinyatili na mokanda ya sika ya kodefa. Na esika na yango, motɛkisi asengeli kofuta yo na misolo oyo endimisami monene ya: (a) Allowance ya mombongo mobimba oyo bandimaki na kontra na yo, to (b) Motuya ya mombongo ya zando ya malamu ya mombongo na yo (kolongola kaka vérification nyonso ya solosolo ya kofuta mbongo ya kodefa the concessionnaire déjà atindami na modefisi na yo ya kala oyo a dégager), PLUS 100 pour cent ya mbongo na yo ya liboso ya mbongo.
4. Vérifier Soki Dealer Afutaki Loan Na Yo Ya Kala Ya Trade-In: Benga modefisi na yo ya kala ya mituka lelo pona ko vérifier soki chèque ya payoff ya dealer ezui. Soki mbongo mosusu ya sanza esengeli kofutama na mbongo na yo ya kala ya kodefa na mombongo ntango matata ezali kosala, yo moko salá mbongo yango mpo na kobatela bapwɛ́ na yo ya crédit mpe kosɛnga bázongisa yo mbongo mobimba epai ya motɛkisi.

Phase 5 : Mokanda ya bosenga na maloba mpo na kolonga bosenga ya misolo ya Yo-Yo¶

Tinda mokanda oyo na nzela ya USPS Certified Mail with Return Receipt Requested MPE Email na Directeur général ya Concessionnaire, Directeur ya Finances, mpe Conseiller juridique (mpe kopi ya Procureur général ya l’état na yo mpe Enquêteur ya Concessionnaire ya DMV):

[Date]

VIA USPS CERTIFIED MAIL - RETURN RECEIPT REQUESTED (Tracking #: [Insert Number])
AND VIA ELECTRONIC MAIL

To: General Manager & Finance Director, [Name of Auto Dealership] ([Dealership Street Address])

Re: Buyer: [Your Full Name] | Date of Contract: [Original Purchase Date]
Vehicle: [Year, Make, Model, and 17-Digit VIN] | Trade-In: [Year, Make, Model, and VIN]

FORMAL NOTICE REGARDING SPOT-DELIVERY / YO-YO FINANCING DEMAND, REJECTION OF
MODIFIED CONTRACT TERMS, AND STATUTORY NOTICE UNDER TILA, ECOA, AND STATE UDAP LAW

To Whom It May Concern:

On [Original Purchase Date], I executed a Retail Installment Sale Contract ("RISC") with [Dealership Name] to purchase the above-referenced vehicle at an agreed Annual Percentage Rate (APR) of [Original APR]% with a monthly payment of $[Amount], paid a down payment of $[Amount], and delivered my trade-in vehicle ([Year/Make/Model]). On [Date of Dealer Call], your dealership contacted me claiming that financing was not approved and demanding that I sign a new contract on less favorable terms or return the vehicle.

Please take formal notice of my legal position:

1. REFUSAL TO SIGN ANY NEW, HIGHER-COST, OR BACKDATED CONTRACT:
I will NOT sign any new Retail Installment Sale Contract at a higher APR, higher monthly payment, higher down payment, or altered term, nor will I execute any backdated contract in violation of the federal Truth in Lending Act (TILA, 15 U.S.C. Section 1601 et seq. and Regulation Z).

2. DEMAND FOR PROOF OF TIMELY CANCELLATION RIGHT AND ECOA ADVERSE ACTION NOTICE:
[Select Option A or Option B:]
- [Option A - If Contract Had NO Spot-Delivery Rider OR Dealer Missed the Cancellation Deadline:] Under the executed RISC, [Dealership Name] is the named Creditor. Because [our contract contains no conditional delivery clause / your dealership failed to deliver written notice of cancellation within the strict (10-day / 4-day) statutory/contractual window expiring on (Date)], your Seller's Right to Cancel has permanently expired. The original RISC dated [Original Date] is unconditional and legally binding upon [Dealership Name] as Creditor. Please provide the payment address where I should tender my monthly payments of $[Amount].
- [Option B - If Dealer Validly Canceled Within the Statutory Window and You Elect to Unwind:] If you have timely and lawfully exercised a valid written Seller's Right to Cancel, I will return the vehicle solely upon a SIMULTANEOUS exchange at your dealership in which you immediately return to me: (a) 100% of my cash down payment ($[Amount]) in certified funds with zero deductions for mileage, daily rental, or restocking fees; (b) my physical trade-in vehicle ([Year/Make/Model/VIN]) in its original condition (or, if unlawfully sold, a certified check for its full contract/fair-market value of $[Amount] plus proof of loan payoff); and (c) a signed written confirmation that the RISC dated [Original Date] is rescinded in full with a $0 balance and zero negative credit reporting.

3. DEMAND FOR ECOA ADVERSE ACTION DOCUMENTATION (15 U.S.C. Section 1691(d)):
Pursuant to the Equal Credit Opportunity Act (Regulation B, 12 CFR Section 1002.9), please provide copies of all written Adverse Action Notices issued by any financial institution to which my credit application was submitted, along with the exact timestamp showing when my application was transmitted.

4. CEASE ALL IMPROPER THREATS AND BREACH-OF-THE-PEACE REPOSSESSION ATTEMPTS:
Any threat to falsely report a lawfully delivered vehicle as "stolen" to law enforcement, or any attempt to repossess the vehicle while holding my down payment and trade-in hostage, constitutes conversion, extortion, and an unfair and deceptive act under state law and Uniform Commercial Code Section 9-609.

Please respond in writing to [Your Email Address] within forty-eight (48) hours to confirm whether you are honoring the original RISC dated [Original Date] or scheduling a simultaneous full-refund unwind exchange.

Sincerely,

[Your Signature, Printed Name, Address, Phone Number, and Email]
cc: State DMV Dealer Enforcement / State Attorney General / CFPB & FTC / Dealer Surety Bond Company

Mituya ya mbalakaka ya etuka mpe ba protocoles ya agence¶

Soki bokutani ya ba concessionnaires to koluka kozongisa biloko na yango emati kino na kobangisa to koswana ya nzoto, benga esika ofandi banimero ya mbalakaka mbala moko. Mpo na kosala ete mibeko ezala na mibeko mpo na kobundisa ba escroqueries yo-yo ya motɛkisi ya mituka:

• Etats-Unis:
• Commission fédérale ya commerce (FTC): Bosala plainte ya concessionnaire ya mituka ya bokosi na ReportFraud.ftc.gov to benga na 1-877-382-4357.
• Bureau ya protection financière ya ba consommateurs (CFPB): Kosala plainte ya auto-finance (mpo na TILA, ECOA, to ba violations ya badefisi) na consumerfinance.gov/complaint to benga na 1-855-411-2372.
• Division ya licence ya ba concessionnaires ya DMV ya l’Etat / ya ba enquêteurs: Benga na Unité ya enforcement / ya enquête ya motekisi ya mituka ya motuka ya l’état na yo (lokola Division ya enquête ya DMV ya California, Division ya enforcement ya Texas TxDMV, Florida FLHSMV Bureau of Dealer Services, Maryland MVA Investigative Division, mpe Misala ya motɛkisi ya Washington DOL).
• Association nationale ya ba défenseurs ya ba consommateurs (NACA): Luka Avocat ya fraude ya mituka spécialisé oyo azali ko traité ba cas ya financement ya yo-yo na TILA na ba bases statutaires ya changement ya ba frais na consumeradvocates.org **.
• Canada:
• Ontario: OMVIC (Conseil ya industrie ya mituka ya moteur ya Ontario) (omvic.on.ca to 1-800-943-6002), oyo esalelaka Mobeko ya batekisi ya mituka ya motuka (MVDA) mpe etambwisaka Fonds ya lifuta ya batekisi ya mituka.
• Colombie britannique, Alberta, & Québec: Bokonzi ya koteka mituka ya BC (VSA) (mvsabc.com, 1-877-294-9889 na nzela ya Internet); AMVIC (Alberta) ( Ezali ndenge moko na .amvic.org, 1-877-979-8100 na nzela ya Internet); Biro ya protection ya consommateur (OPC, Québec) (opc.gouv.qc.ca, 1-888-672-2556) na nzela ya Internet.
• Royaume-Uni:
• Na se ya Mobeko ya Crédit ya Consommateur 1974 (Eteni 66A), basali ya Royaume-Uni bazali na lotomo ya mikolo 14 ya kobima na boyokani ya crédit ya Hire Purchase (HP) to Personnel Contract Purchase (PCP) oyo epesameli mibeko kozanga etumbu. Kobakisa matata ya mombongo ya mosolo to ya ndambo ya mosolo na Service ya Ombudsman financière (FOS) (financial-ombudsman.org.uk to 0800 023 4567) mpe Mobateli ya bato ya motuka (themotorombudsman.org).
• Australie na Nouvelle-Zélande:
• Australie: Ebongisami na nzela ya Mobeko ya ekolo ya bobateli ba crédits ya ba consommateurs 2009 (Mobeko ya NCCP) mpe ya etuka Mibeko ya batekisi mpe babongisi mituka. Kobakisa matata na NSW Fair Trading / Consumer Affairs Victoria, ACCC, mpe Australian Financial Plaints Authority (AFCA) (afca.org.au to 1800 931 678). Na Nouvelle-Zélande, kosala ba demandes na Tribunal ya matata ya mituka (MVDT) na se ya Mobeko ya ba contrats ya crédit mpe misolo ya ba consommateurs (CCCFA).

Mituna oyo batunaka mingi¶

Motɛkisi ya motuka akoki kosala ete bakanga ngai mpo na "Grand Theft Auto" soki naboyi kozongisa motuka tii ntango bakozongisa mbongo na ngai ya mombongo mpe ya liboso?¶

Te. Ozwaki motuka yango na ndenge ya mibeko na ndingisa ya polele ya concessionnaire mpe bafungola nsima ya kotia sinyatili na mokanda ya Contrat ya Vente en tranches na détail. Matata mpo na koyeba soki financement conditionnel elongolamaki to soki motɛkisi asengeli kozongisa mbongo na yo ya liboso mpe ya kosala mombongo na yo ezali a purement matata ya contrat civil, moyibi ya bato mabe te. Kobangisa ete okobenga bapolisi longola kaka soki otye sinyatili na kontra ya intérêt mingi ezali mayele ya kotinda bato na makasi oyo eyokani te na mibeko. Tinda liyebisi ya Certified Mail oyo ezali likolo mbala moko kopesa a échange ya mbala moko (motuka na echange ya mbongo na yo mobimba ya liboso mpe trade-in) mpo na kotya motema malamu.

Pourquoi ko signer deuxième contrat "Backdated" na concessionnaire ezali dangereux boye (et ndenge nini e violer loi fédérale)?¶

Kanisá ete osombi motuka na mokolo ya 1 Ɔkɔtɔbɛ, mpe na mokolo ya 15 Ɔkɔtɔbɛ motɛkisi abengi yo lisusu mpe andimisi yo otya sinyatili na Kontra ya sika ya Kotɛka na Detail na APR ya likoló, kasi azali konyata "Mokolo ya 1 ya sanza ya zomi na moko". lokola date ya contrat na ba papiers ya sika oyo ba signaki le 15 octobre kosala ba backdating. Ezali kobuka mibeko ya fédéral Mobeko ya bosolo na kodefisa (TILA, Règlement Z) . mpe mibeko ya Leta mpo na kofuta mituka mpo: (1) esɛngaka yo intérêt na boumeli ya mikolo 14 liboso ete boyokani ya sika ya mosolo ezala, ezali kokosa APR oyo emonisami, mpe (2) elongolaka fenetre na yo ya mikolo 10 ya koboya. Kosala ata moke te sinyatili na kontra oyo ezali na dati ya nsima.

Ezali boni soki nasili kobakisa motuka ya sika na assurance ya motuka na ngai mpe nalongoli assurance na trade-in na ngai?¶

Sala te annuler assurance auto na voiture ya sika tango etikali na maboko na yo. Kino motuka ya solo ekozongisama na concessionnaire mpe okosimba récépissé ya retour oyo etiamaki sinyatili, bomba collision active mpe couverture complète na motuka mpo ete obatelama soki moto abɛti yango. Soki osilisi échange simultané na concessionnaire mpe o récupérer trade-in na yo, benga assureur na yo na lot ya concessionnaire mpo na kozongisa couverture na trade-in na yo mbala moko.

Nakoki kobomba motuka mpe kofuta kaka mbongo na ngai ya sanza na sanza mbala moko na concessionnaire soki banki na bango eboyaki kodefa?¶

Soki ezalaki na mokumbi motuka ya kopesa na bisika oyo azali na kondima na kontra na yo, TO soki motɛkisi azangaki mokolo ya nsuka ya makasi mpo na koboya (na ndakisa, kobenga yo nsima ya kosila ya fenetre ya mikolo 10): OUI. Tala likolo ya Contrat na yo ya Vente en Tranches ya Détail: the Concessionnaire yango moko ezali na liste lokola "Creditor - Seller." Ntango motɛkisi azangi mokolo ya nsuka ya koboya, kɔntra ekomi kokangama mpo na libela na motɛkisi yango moko lokola modefisi na yo na APR ya sikisiki mpe mbongo ya sanza na sanza oyo enyatami na kontra. Tinda ba mbongo na yo ya sanza na sanza na nzela ya USPS Certified Mail mbala moko na departema ya comptabilité ya concessionnaire na tango.

Ezali boni soki motɛkisi akɔtisaki dolare 4 000 ya garantie "obligatoire", assurance GAP, to ba pneus azote na contrat na ngai mpe alobi ete banque etindaki ngai na makasi nasomba yango mpo bándima ngai?¶

Yango ezali likambo oyo eyokani te na mibeko "Kokanga / Kodefa Emballage". kobuka mobeko na nsé ya Mobeko ya bosolo na kodefisa (TILA) .. Na mibeko ya fédéral, soki modefisi to motɛkisi asengi garantie moko boye, contrat ya service, assurance crédit, to produit GAP lokola condition ya kopesa crédit, esengeli kozala na coût mobimba na Charge ya Finances na APR, oyo banki moko te epesaka nzela. Contrat nionso ya banque elobi polele que ba garanties prolongées na ba politiques ya GAP ezali 100% ya bolingi, mpe pene na nyonso ekoki kozala bongo elongolami na mokanda na kati ya mikolo 30 kino 60 mpo na kozongisa mbongo mobimba 100% oyo ekɔtisami na mbongo ya mbongo oyo odefi.

Ba guides oyo etali yango¶

• Droits ya repossession ya auto na ya récupération ya motuka
• Mibeko ya citron, mbeba ya motuka ya likama, bokosi ya motɛkisi, mpe bosenga ya kosomba lisusu
• Kozwa lisusu motuka na ndenge ya mabe, kobuka kimya, mpe kozongisa biloko ya moto ye moko
• Koboya ba crédits prédateurs mpe mitambo ya mokolo ya lifuti
• Mituya ya mbalakaka na kotalela mboka

Maziba mpe bokambi ya Leta¶

• Commission fédérale ya commerce (FTC) (Etats-Unis): Toli ya ba consommateurs ya FTC: Auto Trade-Ins, Spot Deliveries, mpe Yo-Yo Financing Scams; Misala ya bolandi mibeko ya FTC na oyo etali misala ya bopesi na esika ya sembo mpe ya bokosi (15 U.S.C. Section 45); mpe Kosomba mpe kozala na Motuka (consumer.ftc.gov).
• Bureau ya protection financière ya ba consommateurs (CFPB) & Board ya Réserve fédérale (Etats-Unis): Mobeko ya bosolo na kodefisa (TILA, 15 U.S.C. Section 1601 et seq.) mpe Règlement Z (12 CFR Eteni 1026); mpe Mobeko ya mabaku ya kodefa ndenge moko (ECOA, 15 U.S.C. Eteni 1691(d)) mpe Mobeko B (12 CFR Eteni 1002.9 Esengeli ya liyebisi ya misala ya mabe).
• BISO. Mibeko ya l’Etat ya Spot-Livery & Anti-Bushing: Mobeko ya misolo ya koteka mituka ya California (Mobeko ya Rees-Levering), Cal. Civ. Biteni ya mobeko 2982®, 2982.5, mpe 2982.7; Mobeko ya Washington mpo na kobundisa Bushing, RCW 46.70.180(4); Mobeko ya bokumbi biloko ya Maryland Eteni 15-311.2; Eteni ya mobeko ya Virginie 46.2-1530; mpe Mobeko ya Illinois mpo na bokosi ya basali, 815 ILCS 505/2C.
• OMVIC (Canada), Bokonzi ya etamboli ya mosolo (Royaume-Uni), & ACCC / AFCA (Australie): Mobeko ya batekisi ya mituka ya Ontario (MVDA); Mobeko ya Royaume-Uni ya Crédit ya Consommateur 1974 Eteni 66A (Droit ya kobimisa mbongo ya mikolo 14); mpe Mobeko ya ekolo ya Australie mpo na kobatela ba crédits ya ba consommateurs 2009.