WORST EXPERIENCE I EVER HAD!
On Aug 31st, I went to buy a car and I was served by a representative called Ali. My experience with him was pleasant. I liked the car and the great service provided. He asked for a deposit of $500 and I paid. Ali introduced me to the Director of Finance (Hassan) to finalize the sale. He told me that the banks were closed to process my demand for financing the car and requested that I come back the next day. However, he wanted me to sign a document of the Vehicle Purchase Agreement (Pressure). When I was about to sign I read the following: " This Agreement is final and binding once you have signed it..." I asked if I could sign the next day when my credit is approved.
Sep 2nd, I went back to finalize the agreement. Ali, the representative had given me the quotation of 15,570.81 which I had agreed on. However, when I spoke to the Financial Director (Hassan) the price went up to 16,977.14. I got lost but I didn’t know why it was up.
He tried to sell me the rust protection and warranty but I refused. He tried to sell me the life insurance saying that it was a REQUIREMENT since I had a "limited credit". I told him that I prefer to stop everything if this is mandatory that I didn't plan for any additional fee.
After he made it sound as if it was a requirement which isn't true, he changed his mind and told me that I could buy the car without the life insurance so we continued.
I asked about the final amount, the final sale amount was about $18,840 at a rate of 6,99%. But he told me that at the rate of 5,99% and with the life insurance ($1000 more) included I could get a final sale all fees included of $18,820.
I was really lost! He explained the interests after a few times "He told me that he cannot explain what he learned in 4 years (university) in two minutes, how they calculate rate (%)" (That was disrespectful)....Then he asked another representative (Ali) to explain better... Ali walked me through it respectfully and showed me an online application on how % where calculated. I understood and thanked him.
However, I told him that I didn't receive a great customer service from his Finance Director, Hassan, that I felt disrespected and lost confidence and I needed another day to think about it.
The worst of it all as I was walking out leaving the Toyota office, the Finance Director (Hassan) asked me loudly where we were going? I told him respectfully that I needed time to think about it. He told me that there was nothing to think about it. Then he started bragging that if we want 5% he can give us the car or even at a rate of 0%, or even for free, he will pay it out of his pocket!
When I got home, I was reviewing the documents, I noticed that the finance director (Hassan) had included additional fees on my contract that I did not agree for ( anti-theft 3 yr/ tire rim 1 year $499.99 and walkway basic $259) without my consultation or without even telling me. In the first document that the representative Ali gave me those fees were not included!!) I am still very disappointed. My advice to all of you please ask for a final amount with the interests included, choose an other dealer. The service is not transparent, they are hidden fees, they put pressure on you and the lack of respect from Hassan was unbelievable. I have never been disrespected to this level. This is the worst experience I have ever had.