Spot Delivery is a description which refers to the dealer placing a consumer in a car “on the spot”, to get the sale, only to “yo-yo” them back at a later date for additional funds. Spot Delivery scam happens to unsuspicious consumers throughout the United States. If you find yourself in this situation, the chances are good that you have legal remedies available to right this wrong.
• Remember that if you have signed papers, you own the car, regardless of whether the vehicle has been financed.
• Your credit was good otherwise the dealer would not have delivered the car to you at the price you agreed to pay.
• A finance document showing payments, interest rate, deposit and other financial items is a binding contract, giving you specific legal rights.
• You own the car subject to making payments only. The dealer cannot change that once you take possession.
• Keep all copies of your paperwork and anything else that is somehow associated with the sale (including calendars, photographs, and advertisements). If the finance manager asks for your papers at any time for any reason, refuse! Keep these documents in a safe place, not the car.
• If you are called back to the car dealership for signing additional papers, either do not go or do so in a different car than the one you bought.
• Have a friend or spouse drive you and witness whatever is being told to you. This will prevent the dealer from taking your car as hostage, an all too common happening.
• If a dispute arises with the dealer over the contract and the dealer demands the car is returned, park it in a garage or remote location until the matter is resolved, to prevent it from being taken against your wishes.
• Organize a timeline of everything that happened from the time you thought of purchasing the car until the car was taken away. Try to remember the specific names of dealership personnel and any statements that were made to you during conversations with the sales and finance staff.
• Keep track of all monies you had invested into the purchase, including registration, insurance, down payment and trade. Never pay cash and always get a receipt!
If you believe you are a victim of a Spot Delivery scam and wish to discuss it with an experienced dealer fraud attorney.
Company Name = honda of wesley chapel
Company Contact = ken wilson john in finance
Company Address = 27750 wesley chapel blvd
City = wesley chapel
State/Prov = FL
Zip2 = 33544
Country = United States
Company phone = 866-980-4391
Incident = I called the dealership and talked to a salesman Ken Wilson who told me they would give me the best deal and also had a first time buyer program so I would be approved to get a new Honda civic 2010.
After going in we looked at a few models while they processed my credit application I waited and waited and waited
after 5 hours they finally came back and said I was approved Ken Wilson ,Mike the manager and John the finance guy all told me congratulations I am the proud new owner of the Honda civic I called Geico and got my insurance policy faxed over signed the purchase agreement and away I went so happy!!!
30 days later I received a phone call saying that I was not approved and I would need to pay $2500.00 down with the interest rate also going up and needed a co-signer. I looked on line to see what they were talking about and found out that this is a SCAM SALES POLICY that Wesley Chapel Honda practices all the time called YOYO financing or SPOT Delivery I cannot believe that this is a practice which is OK in State of Florida. They let you drive away thinking you just purchased a new car and negotiated a decent deal to find out you are just being set up to be charged a higher price later after you have fallin in love with your new car. What a first time buying experience.This has to be wrong!!!!!!
Why have I not seen this in the media to warn consumers of this SCAM
Thank you for your comment. Yes, indeed what you described is a common type of fraud in the automobile sales industry. General contracts theory states that if you made a deal and the other side wishes to cancel it must be done so in a timely manner, if at all (In CA dealers get 10 days if they cannot get financing approved, in FL I am not sure), otherwise the agreement is binding and you get to keep the vehicle. This is just general information for you and our other readers. Since I am not licensed in FL I cannot give you specific advise so you should definitely contact a local attorney to assist you. Once again thank you for sharing your blog.
- Hovanes Margarian, Attorney At Law
Hi guys. I just found out I am a victim of odometer fraud. I am in Florida as well. I have left message with several attorneys as well as filing a complaint with the DMV and Florida Highway Patrol. I went to the State Attorneys office earlier. They basically just referred me. Tim or admin, who did you use and how did that turn out?
Thanks – Mike 561.719.4224
Thank you for the post. Unfortunately our law offices do not represent clients in the state of Florida. Please contact a local dealer fraud attorney. Thank you and good luck with your case.