Recently filed bankruptcy. I received a letter from the dearlership stating that they could help me rebuild my credit by financing my vehicle through a company that specializing in financing after bankruptcy. I called after my meeting of creditors, spoke with ms Stacey torney, whom seemed very knowledgeable of the bankruptcy program. I waited a couple of days then headed on out to the dealership. Met with Ms Torney...she was great and seemed to be very honest and up front about everything. I did the application, provided pay stubs and a bill to prove my residency. Ms Torney took the paperwork to the manager and we waited while for an approval or denial. We waited and waited, so probably about 45mins later, I told them to just give me a call tomorrow if they get an approval. Soooo, the next day, about 1pm I got a call...I got approved...yayy. I didn't go that day but went the next day to look at cars. I got financed through Prestige financial, payments a little high but expected. They offered me a 2012 Honda Accord. I was content with the vehicle. They gave me a dealer tag and told me to take vehicle home while I worked out my insurance issue. Went back the next day. Signed all of the paper, showed proof of coverage, they put a paper temp tag on the veh and I was on my way. 7 days later get a call from Ms Torney that I needed to bring the car back because my financing didn't go through. Yo yo financing is what they call it. So for potential buyers out there.... Beware. Don't learn the hard way like I did. I plan of filing a complaint with MVA dealership unit and the consumer protection department. Something really need to be done to ensure that this doesn't keep happening to vulnerable unsuspecting buyers. Its really an inconveince not to mention it being humiliating and embarassing. So whatever you do...don't sign the on the spot delivery documents, it means that your transaction is not finalized and they can take the vehicle back if the like.
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