Auto Dealer Yo-Yo Financing Scam: Spot-Delivery Misungo uye Pavanoda Mota Kudzoka.¶

Kutyaira kumba motokari ichangobva kutengwa kana yekurenda mushure mekusaina Retail Installment Sale Contract (RISC) pane imwe nzvimbo yekutengesa, kungogamuchira runhare 5 kusvika 21 mazuva gare gare kubva kune maneja wezvemari achiti "mari yako yebhangi yadonha" uye achida kuti udzokere kumutengesi nekukasira kusaina kondirakiti nyowani pamutengo wakakwira zvakanyanya kumadhora makumi maviri, 0,000,000,000 $,000,000 $,00000000 $. kudzoserwa nekukasira uye kusungwa kwe "grand theft auto," musungo wakapararira we auto-finance unozivikanwa se ** Yo-Yo Financing Scam (kana Spot-Delivery / Bushing Scam) *. Zvakatoipisisa ndezvokuti, paunoramba kubvuma mubereko wakakwira uye uchida kungokanzura dhiri uye kudzosera mota yako yekare, mutengesi anogara achiti: “Takatotengesa kana kutengesa motokari yako yekutengeserana, saka hauna chimwe chaungaita kunze kwekusaina chikwereti chitsva.” MuUnited States, Canada, United Kingdom, neAustralia, federal truth-in-lending statutes, Froece Commission, Federal Commission, F. gadzirisa kutakurwa kwemotokari. Muzviitiko zvakawanda, Retail Installment Sale Contract yawakasaina kumutengesi inenge yatova chibvumirano chechikwereti chinosungirwa zviri pamutemo umo mutengesi wacho ari pamutemo anonzi Creditor, kana kuti mutengesi akapotsa hwindo rayo rekudzima (semazuva mana muWashington, mazuva mana muMaryland, kana mazuva gumi muCalifornia), zvichireva kuti *mutengesi ane zero yereti yemhind kana kutora zero zviri pamutemo. Kana mushandi wemutengesi kana wekudhonza akauya kumba kwako kana kubasa achikutyisidzira kana kuedza kuvhara nzira yako, fonera yako nhamba dze emergency pakarepo; kune zvine chekuita nenjodzi dzemotokari, ona Kudzoreredza otomatiki uye kodzero dzekudzoreredza mota, Mutemo weremoni, dambudziko remotokari, hutsotsi hwemutengesi, uye kudiwa kwekutenga,uye Kudhonzesa, kubhomba, mari yekuvharisa zvisiri pamutemo, uye kodzero dzekuburitsa mota.

Ita izvi ikozvino¶

1. **Chengetedza kuchengetedzeka kwako uye usambosiya makiyi ako panguva yekumisikidza. Usambofa wakatyaira mota ine gakava panzvimbo yemutengesi uku paine gakava remari riripo. Kana mushandi wemutengesi kana repo akasangana newe kumba kana kuvharira mota yako, gara mukati seri kwemikova yakakiiwa ingangoita 2 metres (6.5 tsoka) uye fonera nharaunda yako. nhamba dze emergency (911 muUS neCanada, 112 muEU, 999 muUK, 000 muAustralia).
2. USATI kusaina Kondirakiti itsva yeRetail Installment Sale, kondirakiti yakadzokororwa, kana chibvumirano chepamusoro cheAPR. Usafe wakasaina kondirakiti yechipiri ine APR yepamusoro, yechikwereti chechikwereti, kiredhiti diki, kana waranti yakawedzerwa. Kupfuura zvese, ** usambosaina chibvumirano chakadzoserwa ** (kusaina kondirakiti nyowani nhasi yakadzoswa kumusi wekutanga kutenga mavhiki maviri apfuura). Kudzosera kumashure kondirakiti yezvekutengesa kunotyora mutemo wemubatanidzwa Chokwadi muKukweretesa Mutemo (TILA, Regulation Z, 12 CFR Chikamu 1026) nekuti inochaja mubereko kwemazuva chibvumirano chitsva chemari chavepo uye zvinoparadza nguva yako yekukanzura.
3. ** Dhonza mapepa ako ekutanga uye tarisa zvinhu zviviri: (a) Wakasaina here "Conditional Delivery / Spot Delivery / Right to Cancel Rider"? uye (b) Papera mazuva mangani?**
4. ** Tarisa kumusoro kweRetail Installment Sale Contract yako (RISC):** Pasi peTILA, **Mukwereti ** yakanyorwa pachibvumirano inenge nguva dzose iyo ** Auto Dealership pachayo ** (kwete Chase, Ally, kana Capital One). Mutengesi anopinda muchibvumirano chechikwereti chinosungirwa newe uye anoedza kupa (kutengesa) kondirakiti iyoyo kubhangi rechitatu pamarkup.
5. Kana pasina NO yakanyorwa "Kodzero yemutengesi yekukanzura / Chibvumirano cheKuendesa Chinodiwa" mupaketi yako yekondirakiti yakasainwa: Chibvumirano chacho ndeche 100 muzana yekupedzisira uye isina zvisungo. Kana bhangi mutengesi achitarisira kutengesa chikwereti chako kuti arambe basa racho, ndiro dambudziko re mutengesi: mutengesi pachake anosungirwa pamutemo kukudza chibvumirano semukweretesi wako paAPR chaiyo uye kubhadhara kwemwedzi kwawakasaina.
6. Kana paine "Kodzero Yemutengesi Kukanzura" clause kana Spot-Delivery Rider: Tarisa chaiyo nhamba yemazuva ekarenda akadhindwa mu clause (kazhinji 10 mazuva muCalifornia, 4 mazuva ebhizinesi muWashington, 4 mazuva muMaryland, 10 mazuva muVirginia) uye tarisa postmark date chero yakanyorwa yekudzima chiziviso. Kana mutengesi akangokufonera paZuva 14 asina kutumira chiziviso chakanyorwa nenguva mukati mehwindo remutemo / rechibvumirano, ** kodzero yemutengesi yekukanzura yapera zviri pamutemo ** uye mari yechikwereti chepakutanga yakavharirwa mukati.
7. Zivai kuti kutyisidzira kwemutengesi kuti amhan'are motokari se"Yabiwa" kumapurisa inzira yekubira vanhu zvisiri pamutemo. Uri mumaoko emotokari yacho zviri pamutemo maererano nekondirakiti yakanyorwa yakasainwa uye kuendesa makiyi nekuzvidira nemutengesi. Kuenda nemotokari kumba pasi pechibvumirano chakasainwa inyaya ** yechibvumirano chehurumende **, haimbofi yakabira motokari. Kunyangwe mushure mechiziviso chakanyorwa chekukanzura, madhipatimendi emapurisa emunharaunda anobata gakava rekuendesa nzvimbo senyaya dzechivanhu kunze kwekunge dare raburitsa gwaro redzimhosva, uye kutyisidzira mhosva yekumanikidza mutengi kusaina chikwereti chemubereko wepamusoro kutyora mutemo ** Zvisina Kurongeka uye Zvinonyengera Zviito uye Maitiro (UDAP) ** mitemo.
8. Kana mutengesi akadzima zviri pamutemo mukati mehwindo remutemo, kumbira 100% yePasi Kubhadhara kwako UYE yako yepanyama Trade-In Vehicle kudzoserwa (kana iyo yakazara chibvumirano/chakanaka-pamusika kukosha) ASATI kuendesa makiyi emota nyowani. Pasi pe FTC Yakashandiswa Mota Rule / UDAP nheyo uye yenyika nzvimbo-yekutumira zvitemerwa, Masevhisi78 California Yekufambisa Zvekufambiswa8 California Code. Code Chikamu 15-311.2**, uye Virginia Code Chikamu 46.2-1530), kana kutengeswa kwezvibvumirano kukanzurwa nekuti mari haina kubvumidzwa, kudzima kuri kudzoserwa kwakazara (status quo ante):
9. Mutengesi HAZVIGONA kukubhadharisa "mari yemamaira," "mari yekurojesa zuva nezuva," kana "muripo wezvekudzokorodza/kudonongodza" kana mutengesi akakanzura kuendesa nzvimbo munzvimbo dzakaita seCalifornia, Virginia, Washington, neMaryland.
10. Mutengesi ** ANOFANIRA kudzorera yako yekutengeserana-mumotokari mune imwe mamiriro ** UYE ** zana muzana yemari yako yekubhadhara mari ** panguva imwe chete nekudzoka kwako kwemotokari itsva. Kana mutengesi akatengesa kutengeserana kwako zvisiri pamutemo mari isati yapedzwa, anofanira kukubhadhara ** yepamusoro yemubhadharo wekutengeserana wakataurwa mukondirakiti yako kana kukosha kwemusika wekutengesa ** (pamwe nekukuvadza kwemutemo mumatunhu mazhinji).
11. Tora kubvumidzwa kwekare ipapo kubva kuCredit Union yemuno mukati memaawa makumi maviri nemana kana uchida kuchengeta mota iri paAPR yakaderera. Kazhinji, kutaura kwemutengesi kuti "hapana bhangi rinokubvumidza" manyepo: bhangi rakabvuma chikwereti chako pa6.5% APR, uye mutengesi akange akamaka kontrakiti yako kusvika 9.5% APR yekukanda mubhengi* kana 3%. mari yemadhora zviuru zvishanu zvekuwedzera kweF&I ma-add-ons (VIN etching, matai enitrogen, kudzivirira pendi). Famba mumubatanidzwa wechikwereti chemuno nhasi neodha yemutengi wako uye VIN; kana mubatanidzwa wechikwereti ukabvumidza chikwereti chako, vanokupa cheki yekubhadhara mutengesi zvakananga, vachipfuura dhipatimendi rezvemari remutengesi zvachose.

Muti wesarudzo: Kupona mutengesi wemotokari Yo-Yo mari yekuda¶

flowchart TD
    A["Mutengesi Anofonera Mazuva/Mavhiki Mushure meKutenga Kunoti 'Mari Yadonha' & Achida Yakakwira APR, Yakawedzera Kubhadhara Kubhadhara, kana Kudzoka KweMotokari."] --> B{"1. Ongorora Kondirakiti Yako Yakasaina Retail Installment Sale (RISC): Pane here chakasainwa 'Kodzero Yemutengesi Kukanzura / Conditional Spot Delivery' clause?"}
    B -->|"HAPANA Conditional Delivery Clause Yakasainwa"| C["Deal Is 100% Final & Binding Under TILA: Mutengesi Ndiye Mutengi Wemutemo paRISC & Unofanira Kukudza Yako Yepakutanga APR uye Kubhadhara Kwemwedzi."]
    B -->|"EHE: Kondirakiti Iine Kodzero yemutengesi yekukanzura / Spot Delivery Rider"| D{"2. Ko Mutengesi akaunza ZVINHU ZVAKANYORWA ziviso yekukanzura nguva isati yakwana yemutemo/kondirakiti (semuenzaniso, 4 kana mazuva gumi)?"}
    D -->|"HAPANA: Nguva Yakapera Yakapera (semuenzaniso, Mutengesi Akashevedzwa PaZuva 14 pane 10-Day Contract)"| C
    D -->|"EHE: Kukanzurwa Kwakanyorwa Nenguva Mukati Muhwindo Remutemo"| E{"3. Unoda KUCHENGA mota here kana KUSVIRA dhiri?"}
    E -->|"Chengetedza Mota Pasina Mutengesi Markup"| F["Nyorera Wakananga kuNzvimbo YeChikwereti Union kana kuBhangi kuti uwane Yekunanga Yekukwereta Yekukwereta Kuti Ubhadhare Mutengo Wemari Yemutengesi."]
    E -->|"Unwind / Kanzura Chibvumirano"| G{"4. Ko Mutengesi achiri neTrade-In Vehicle yako uye 100% yeCash Down Payment yako yakagadzirira kudzosera?"}
    G -->|"Hongu"| H["Kuchinjana Kwakafanana Chete: Mufananidzo Mota Mamiriro, Rumbidza Makiyi CHETE seMutengesi Maoko Adzoka Kutengeserana-Makiyi + 100% Mari Pazasi Kubhadhara + Yakasainwa Kuburitswa Kuburitswa (Zero Mileage/Mari yekurojesa)"]
    G -->|"Kwete: Mutengesi Anoti Vakatotengesa Yako Trade-In"| I["Kutyorwa kwemitemo (Bushing / Shanduko): Kuda Kutengeserana Kwakazara-In Value + Kubhadhara Pasi Mumari Yakasimbiswa & Faira Pakarepo State DMV Dealer Licensing / AG / FTC Chichemo"]

Chikamu chekutanga: Maitiro e "Spot Delivery" uye "Dealer Reserve" mutambo unoshanda kuseri kwezviitiko¶

Kuti ukunde chitsotsi cheyo-yo, unofanirwa kunzwisisa zvinoitika mukati memutengesi Mari uye Inishuwarenzi (F&I) Hofisi:

1. ** Mutengesi Ndiye Wekutanga "Creditor" paKondirakiti Yako:**
2. Paunotenga mota uye woipa mari kuburikidza nemutengesi, hausaina chibvumirano chechikwereti nebhangi. Iwe unosaina ** Retail Installment Sale Contract (RISC) ** (seReynolds & Reynolds Fomu 553) umo ** Iwe uri "Mutengi" ** uye ** Mutengesi ndiye "Creditor - Mutengesi."**
3. Mushure mekunge wadzinga mujenya ("Spot Delivery"), maneja weF&I anotengesera RISC yako yakasainwa kune vanokweretesa vasina kunanga auto (Capital One, Ally, Santander, Chase, Wells Fargo, kana vagadziri vakatapwa vanokweretesa) vachitarisira ku ** kugovera (kutengesa) ** kondirakiti kubhangi.
4. ** Nei Mari "Ichiwira Nekuda" (Kazhinji Nekuda Kwemutengesi Makaro, Kwete Chikwereti Chako):**
5. Maitiro A (Mutengesi Akachengeterwa Mariki Akundikana): Bhangi rinotendera chikwereti chako ne7% "Buy Rate,"* zvichireva kuti bhanga rinogona kutenga kondirakiti yako nemufaro pa7% APR. Zvakadaro, maneja weF&I akanyora kondirakiti yako ku11% APR kuitira kuti mutengesi akwanise kudzosera muhomwe yemadhora zviuru zvitatu nemazana mashanu ("Dealer Reserve") kubva kubhanga, kana kurongedzera $6,000 yemaadd-on asingabatsiri emarket pachikwereti, achisundira chiyero che Loan-to-Value (LTV) chiri pamusoro pe130%. Bhangi parinoti, *"Tichabhadhara chikwereti ichi chete pa115% LTV kunze kwekunge mutengesi aderedza mutengo wewaranti yayo yemashure," * mutengesi anoramba kusiya chiratidzo chayo uye panzvimbo pacho achakufonera achiti "mari yako yakanyimwa" kuti abvise imwe $2,500 yekubhadhara kubva kwauri.
6. ** Mamiriro ezvinhu B (Nechinangwa Bushing / Bait-and-Switch):** Mutengesi akaziva neMugovera manheru kuti 560 yako yechikwereti yaisazombokodzera kukwereta 5.9% APR, asi akanyepa ndokunyora chibvumirano che5.9% chero zvakadaro kuti akubvise pamusika, bvisa mota yako yekutengeserana kunze kwemugwagwa, uye kukuita kuti uve nehanya nemotokari itsva kumhuri yako mushure memazuva ano unonzwa wakabatikana zvakanyanya kuti urambe pavanenge vachida kuti usaine pa 21.9% APR.

Chikamu chechipiri: State-by-state Spot Delivery mitemo uye yakasimba kudzima nguva dzekupedzisira¶

Tarisa mitemo inotonga nyika yako (uye iyo chaiyo "Kodzero Yemutengesi Kukanzura" bhokisi riri kuseri kweFomu 553 Retail Installment Contract yako:

Chikamu chechitatu: Iyo Federal "Equal Credit Opportunity Act (ECOA)" Yakashata Yechiziviso Musungo¶

Vatengesi vanomhanyisa yo-yo scams vanogara vachityora Equal Credit Opportunity Act (ECOA, 15 U.S.C. Chikamu 1691(d) & CFPB Regulation B, 12 CFR Chikamu 1002.9):

1. Mutengesi I "Creditor" Pasi peMutemo weFederal: Pasi peMutemo B, mutengesi wemotokari anogara achironga mari kana kutora chikamu muzvisarudzo zvechikwereti Creditor.
2. Inosungirwa Kunyorwa "Chakashata Chekuita Chiziviso": Pese apo mukweretesi akaramba chikwereti, akamisa hurongwa hwechikwereti huripo, kana **kuramba kupa chikwereti pamatemu amakanyorera **, mutemo wemubatanidzwa unoda zviri pamutemo Yakanyorwa Zvakaipa Chiitiko Chiziviso ichitaura **chaiyo zvikonzero zvikuru zvekuramba ** uye kiredhiti kiredhiti yakashandiswa.
3. Mabatiro Aungaita Mutengesi Mumanyepo: Bvunza maneja wezvemari nekunyora kuti: "Ndokumbira nditumirewo kopi yakanyorwa yeAdverse Action / Denial Notice kubva kubhangi, uye chidhindo chaicho chinoratidza pakatumirwa chikumbiro changu chechikwereti." Tarisa gwaro rechikwereti chako pa. AnnualCreditReport.com kuti uone kuti ndevapi vanokweretesa vakadhonza **Kubvunza Kwakaoma ** pane yako kiredhiti faira. Kana pasina bhangi rakatora chikwereti chako pazuva rekutenga, kana bhangi rikakuudza kuti "Chikumbiro chako chakabvumidzwa, kana kuti mutengesi akachitora," wabata mutengesi mu ** kubiridzira kwemotokari uye hunyengeri hwekutengesa maitiro **.

Chikamu chechina: Ko kana mutengesi akati "Takatotengesa yako yekutengesa-mumotokari"?¶

Kana uchinge waramba kusaina kondirakiti itsva ye19% yeAPR woda kudzoserwa mota yako yekare, vatengesi vanowanzoti: "Takatotumira kutengeserana kwako nekutengesa, saka unofanirwa kusaina chibvumirano chitsva." Ita aya matanho mana nekukurumidza:

1. Tarisa VIN yeTrade-In Online yako Izvozvi: Google iyo 17-manhamba Yekuzivikanwa Kwemota (VIN) yemotokari yako yekutengeserana. Kazhinji yenguva, iwe unowana yako yekutengesa-mu ** yakagara chaipo pane mutengesi webhusaiti yakanyorwa kutengeswa kutengeswa pamotokari yavo yakashandiswa yakawanda **. Screenshot rondedzero nemusi, mutengo, uye mafoto nekukurumidza.
2. Kuda Humbowo hweKuendesa Title Rekutengesa: Mutengesi haagone kuendesa zita zviri pamutemo pasina dheti rekutengesa Bhiri rekutengesa, Auction Gate Receipt, uye Federal Odometer Disclosure Statement. Kumbira makopi mukunyora.
3. ** Ziva Kodzero Yako Yemitemo Yekutengeserana-Kukosha Kwakazara: ** Kutengesa kutengeserana kwemutengi usati waendesa-yekuunza mari kunotyora mutemo wemutengesi wehurumende uye kunofumura rezinesi rekutengesa ** Mota Vehicle Dealer License ** uye ** Dealer Surety Bond ** kune zvichemo. Kunyangwe kana mutengesi akatengesa trade-in yako, ** izvo HAZVIKUmanikidzi kuti usaine chikwereti chitsva.** Pane kudaro, mutengesi anofanira kukubhadhara ** mumari yakasimbiswa ** iyo ** yakakura ye:** (a) yakazara **Trade-In Allowance ** yakabvumirana pane kontrakiti yako, kana (b) iyo ** Fair Market Retail Value ** yezvikwereti zvako zvekutengesa (kubvisa chikwereti chako chekare), kubvisa chikwereti chako chekare ** PLUS zana muzana yemari yako yekubhadhara mari **.
4. ** Simbisa Kuti Mutengesi Akabhadhara Chikwereti Chako Chekare Chekutengesa-Mu:** Fonera mukweretesi wako wekare nhasi kuti uone kana cheki yekubhadhara yemutengesi yagamuchirwa. Kana imwe mubhadharo wepamwedzi uchifanirwa nechikwereti chako chekare chekutengeserana apo gakava riri kushanda, ita muripo wega kuti uchengetedze chikwereti chako chechikwereti uye unoda kubhadharwa kwakazara kubva kumutengesi.

Chikamu chechishanu: Verbatim inoda tsamba yekukunda iyo Yo-Yo mari yekuda¶

Tumira tsamba iyi kuburikidza ne **USPS Certified Mail ine Return Receipt Yakumbirwa ** UYE Email kune Dealership General Manager, Finance Director, uye Legal Counse (uye kopa yako State Attorney General uye DMV Dealer Investigator):

[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

Nhamba dzenharaunda dzechimbichimbi uye zvirongwa zveagency¶

Kana kunetsana kwemutengesi kana kuedza kudzoreredza kukakwira kuita kutyisidzirwa kana kupokana kwenyama, fonera nharaunda yako. nhamba dze emergency pakarepo. Zvekuteedzera mutemo kurwisa auto dealer yo-yo scams:

• Nyika dzakabatana:
• Federal Trade Commission (FTC): Isa chichemo chinonyengera chevatengesi vemotokari ku ReportFraud.ftc.gov kana kufonera ** 1-877-382-4357 **.
• Consumer Financial Protection Bureau (CFPB): Isa chichemo che auto-finance (ye TILA, ECOA, kana kutyorwa kwemukweretesi) pa consumerfinance.gov/complaint kana kufonera ** 1-855-411-2372 **.
• ** State DMV Dealer Licensing / Investigator Division:** Bata yedunhu rako Motor Vehicle Dealer Enforcement / Investigations Unit (yakadai se California DMV Investigations Division, Texas TxDMV Enforcement Division, Florida FLHSMV Bureau yeDealer Services, Dealer Services MVA**, Dealerland DVA uye Washington Masevhisi).
• National Association of Consumer Advocates (NACA): Tsvagai nyanzvi Auto Fraud Attorney inobata yo-yo mari uye nyaya dzeTILA pamutemo wekuchinja mari ku consumeradvocates.org.
• Kanadha:
• Ontario: OMVIC (Ontario Motor Vehicle Industry Council) (omvic.on.ca kana 1-800-943-6002), iyo inosimbisa Motor Vehicle Dealers Act (MVDA) uye inotungamira **Motor Vehicle Dealers Compensation Fund **.
• British Columbia, Alberta, & Quebec: Chiremera Chekutengesa Motokari yeBC (VSA) (mvsabc.com, 1-877-294-9889); AMIC (Alberta) (amvic.org, 1-877-979-8100); ** Office de la protection du concommateur (OPC, Quebec)** (opc.gouv.qc.ca, 1-888-672-2556).
• United Kingdom:
• Pasi peConsumer Credit Act 1974 (Chikamu 66A), vatengi veku UK vane mutemo ** gumi nemana kodzero yekubvisa** kubva muchibvumirano chechikwereti cheHire Purchase (HP) kana Personal Contract Purchase (PCP) pasina mutongo. Wedzera kukakavara kwekukwereta kana chikamu-chekuchinjana kune Financial Ombudsman Service (FOS) (financial-ombudsman.org.uk kana 0800 023 4567) uye The Motor Ombudsman (themotorombudsman.org)
• Australia neNew Zealand:
• Australia: Yakadzorwa pasi pe National Consumer Credit Protection Act 2009 (NCCP Act) uye nyika ** Vatengesi veMotor uye Vanogadzirisa Mabasa**. Wedzera kukakavara ku NSW Fair Trading / Consumer Affairs Victoria, ACCC, ne Australian Financial Complaints Authority (AFCA) (afca.org.au kana 1800 931 678). Mu New Zealand, faira zvichemo ne Motor Vehicle Disputes Tribunal (MVDT) pasi pe Credit Contracts and Consumer Finance Act (CCCCA).

Mibvunzo inowanzo bvunzwa¶

Mutengesi wemota angaite kuti ndisungwe "Grand Theft Auto" kana ndikaramba kudzosa mota kusvika vandidzosera mubhadharo wangu wekutengesera?¶

Kwete. Wakatora mota zviri pamutemo nemvumo nemakiyi emutengesi mushure mekusaina Kondirakiti yeRetail Installment Sale yakanyorwa. Kupokana pamusoro pekuti mari yezvibvumirano yakabviswa here kana kuti mutengesi anofanira kudzosera mubhadharo wako uye kutengeserana-mukati kusawirirana kwechibvumirano chehurumende chete, kwete kuba matsotsi. Kutyisidzira kufonera mapurisa kunze kwekunge wasaina chibvumirano chemubereko wepamusoro inzira yekumanikidza zvisiri pamutemo. Tumira iyo Certified Mail ziviso pamusoro apa nekukurumidza uchipa a panguva imwe chete kuchinjana (mota mukutsinhana nekubhadhara kwako kwakazara uye kutengeserana-mukati) kumisikidza kutenda kwakanaka.

Sei kusaina chibvumirano chechipiri che "Backdated" kune mutengesi kune ngozi (uye zvinotyora mutemo wemubatanidzwa sei)?¶

Ngatitii wakatenga mota musi wa1 Gumiguru, uye musi wa15 Gumiguru mutengesi akufonera kuti udzoke uye anokukurudzira kuti usaine Retail Installment Contract itsva paAPR yepamusoro, asi anodhinda. "Gumiguru 1" semusi wechibvumirano pamapepa matsva akasainwa muna Gumiguru 15. Ndiko backdating. Inotyora federal Chokwadi muKukweretesa Act (TILA, Regulation Z) uye mitemo yezvemari yemotokari yehurumende nekuti: (1) inokubhadharisa mhindu kwemazuva gumi nemana chibvumirano chitsva chemari chisati chavapo, ichinyepera APR yakaziviswa, uye (2) inodzima hwindo rako rekukanzura kwemazuva gumi. Usambosaina chibvumirano chekare.

Ko kana ini ndatowedzera mota nyowani kune yangu auto inishuwarenzi mutemo uye kudzima inishuwarenzi pane yangu yekutengesa-in?¶

Do kwete kanzura auto inishuwarenzi pamota nyowani ichiri mauri. Kusvikira mota yacho yadzoserwa kumutengesi uye wabata risiti yekudzoka yakasainwa, ramba uchidhumhana uye nekuvhara zvakakwana pamotokari kuitira kuti udzivirirwe kana mumwe munhu akairova. Kana uchinge wapedza kuchinjana panguva imwe chete kune mutengesi uye kudzoreredza yako yekutengesa-in, fonera inshuwarisi yako kubva kune imwe nzvimbo yekutengesa kuti utumire coverage kudzokera kune yako yekutengesa-mukati nekukurumidza.

Ndinogona kuchengeta motokari uye kungobhadhara mari yangu yepamwedzi zvakananga kune mutengesi kana bhangi ravo rakaramba chikwereti?¶

Kana pakanga pasina chibvumirano chekutakura-mutasvi mukondirakiti yako, KANA kana mutengesi akapotsa nguva yekupedzisira yekukanzura (semuenzaniso, kukufonera mushure mekupera kwemazuva gumi): YES. Tarisa kumusoro kweRetail Installment Sale Contract yako: iyo Dealership pachayo yakanyorwa se "Creditor - Mutengesi." Kana mutengesi akapotsa nguva yekuregera, kontrakiti inosungirira zvachose pamutengesi pachayo semukweretesi wako paAPR chaiyo uye mubhadharo wepamwedzi unodhindwa pachibvumirano. Tumira mari yako yemwedzi nemwedzi kuburikidza neUSPS Certified Mail zvakananga kudhipatimendi reakaunzi redhipatimendi nenguva.

Ko kana mutengesi akatakura $4,000 ye "mandatory" waranti, GAP inishuwarenzi, kana matai enitrogen mukontrakiti yangu uye anoti bhangi rakandimanikidza kuzvitenga kuti ndibvumirwe?¶

Izvozvo hazvisi pamutemo "Kusunga / Kukwereta Kurongedza" kukanganisa pasi pe Chokwadi muLending Act (TILA). Pasi pemutemo wemubatanidzwa, kana mukweretesi kana mutengesi achida chero waranti, kondirakiti yebasa, inishuwarenzi yechikwereti, kana chigadzirwa cheGAP sechimiro chekupa chikwereti, mutengo wese unofanirwa kuverengerwa mu Kuchaja Kwemari uye APR, iyo isingabvumirwi nebhangi. Kondirakiti yega yega yebhangi inotaura pachena kuti waranti yakawedzerwa uye mitemo yeGAP ndeye 100% sarudzo, uye zvinenge zvose zvinogona kuva yakadzimwa mukunyora mukati memazuva makumi matatu kusvika makumi matanhatu kuti idzoserwe 100% yakazara kukweretwa kumukuru wako wechikwereti.

Mazano anoenderana¶

• Kudzoreredza otomatiki uye kodzero dzekudzoreredza mota
• Mutemo weremoni, dambudziko remotokari, hutsotsi hwemutengesi, uye kudiwa kwekutenga
• Kutora motokari zvisiri izvo, kutyora runyararo, uye kudzoreredza midziyo yemunhu
• Kunzvenga zvikwereti zvechisimba uye misungo yekubhadhara
• Nhamba dzenjodzi nenyika

Nzvimbo uye nhungamiro yepamutemo¶

• Federal Trade Commission (FTC) (United States): FTC Consumer Advice: Auto Trade-Ins, Spot Deliveries, uye Yo-Yo Financing Scams; FTC Enforcement Actions paKusaruramisira uye Kunyengedza Spot-Delivery Maitiro (15 U.S.C. Chikamu 45); uye Kutenga uye Kuve neMota (consumer.ftc.gov).
• ** Consumer Financial Protection Bureau (CFPB) & Federal Reserve Board (United States):** Chokwadi muKukweretesa Act (TILA, 15 U.S.C. Chikamu 1601 et seq.) uye Regulation Z (12 CFR Chikamu 1026); uye Equal Credit Opportunity Act (ECOA, 15 U.S.C. Chikamu 1691(d)) uye Regulation B (12 CFR Chikamu 1002.9 Zvakaipa Zviziviso Zvinodiwa).
• U.S. State Spot-Delivery & Anti-Bushing Statutes: California Automobile Sales Finance Act (Rees-Levering Act), Cal. Civ. Code Zvikamu 2982 ®, 2982.5, uye 2982.7; Washington Anti-Bushing Statute, RCW 46.70.180(4); Maryland Transportation Code Chikamu 15-311.2; Virginia Code Chikamu 46.2-1530; uye Illinois Consumer Fraud Act, 815 ILCS 505/2C.
• ** OMVIC (Canada), Financial Conduct Authority (UK), & ACCC / AFCA (Australia):** Ontario Motor Vehicle Dealers Act (MVDA); UK Consumer Credit Act 1974 Chikamu 66A (Kodzero yeMazuva gumi nemana yekubvisa); uye Australian National Consumer Credit Protection Act 2009.