*up to 60-months, wac. Offer good through 5/31/11, (MINI Cooper Clubman only). DUE TO SUPPLY AND DEMAND, THERE ARE CONSTANT CHANGES TO OUR INVENTORY THAT MAY NOT BE REFLECTED ONLINE. PLEASE CALL 877.331.9182 FOR THE MOST UP-TO-DATE INVENTORY LISTINGS.
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I purchased aused vehicle from this dealership six weeks ago. Due to the way I amcompensated (commission based) it took about a week for Ron, finance manager,to get approval on my loan. During that week I provided multiple paystubs andexplanations about my compensation at work. I also left Ron several messagesthat week and he did not return a single one. Finally, after a week of notknowing what was going on, he contacted me telling me my loan was approved atan APR I agreed with. I agreed to the terms and APR so I signed the contractswhich stated the finance company name, APR and terms, gave them my $7000 downpayment and purchased the vehicle (which they set up an appointment to do and said would take 45 minutes tocomplete. I waited in the showroom for 2 hours before sitting down to start thepaperwork). Two weeks later I started receiving phone calls from the financecompany and Ron asking for more explanation on my paystubs and tax documents(which I went through during that first week). I asked Ron why they neededthese things since I had purchased the vehicle two weeks previous and the dealwas done. He stated that they were just for verification. I sent him everythingthey asked for. A week later I received an email from Ron stating that thefinance company decided to return the loan and not offer financing. He statedthat he now has another company that will approve me at a much higherinterest rate. I purchased this car under the previous terms and APR, and nowthat I have owned it for several weeks, paid insurance on it, registered it,had it in the shop for three days to have multiple repairs on it, Ron is sayingI have to return it or do a much higher interest rate loan. It is a total baitand switch move. I have done research on this issue and it is called “yo-yo’financing. It is what a dealership does to close a deal and then get a personto do a higher interest rate that they take several percentage points on toearn more money. I have had an absolute horrible experience with this companyand especially with Ron Fifer. I am currently having my attorney deal with thisand we are going to take it to arbitration. I absolutely do not recommend Ralph Schomp. They are sleazy liars with horriblecustomer service. I would give them negative stars if I could.