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Discussion Starter #1
first of all, i am very upset so let me apologize upfront for any offensive language
ok heres the deal

Recently(june 30th) I purchased two 2007 VStroms from my local stealership. Both were financed through different companies. One via Suzuki(hsbc) and one via GEMoneybank. At first all seemed well. They were low payments( under 100/month) at low interest rates ( under 10%) and i felt all warm and fuzzy.
However when the statement came in from GEMoneybank- it listed a rate near 21 percent and a payment well over 200 dollars. I of course called them and told them to gently caress themselves with a barbed wire fence post and they said that was how the loan was turned in by my dealer. I said ok ill call them. In the mean time, i asked them to open a dispute as i felt i should not have to pay that much more then i agreed to. so they did.
Upon calling the dealer, they said OH YES THERE WAS A SMALL ERROR- WE WILL CORRECT IT. I gave them 72 hours and waited for confirmation that something had been done. I heard nothing. I called them to ask WTF and got the biggest BS run around. One person blaming the other and yadda yadda yadda. After losing my temper and threatening to chop someones ****ing head off, they finally take me serioulsy and get on it. they tell me its fixed- and ill have something on paper in a few days. I say FINE
WELL- Then my SUZUKI statement arrives. And it, too, is fukt up. Since i have yet to receive the corrected paperwork on the other loan, i take a long lunch today and go to the dealer and demand to see my sales slip. They ask why and i explain that now the 2nd loan statement doesnt match the terms i agreed to. After some run around i get copies of everything on both loans and low and behold what do i see? The carbon I have no longer matches the original on bike number two. Someone crossed out and wrote over the terms i signed for and changed my rate AND payment. This is bike number 2 mind you, i have been told that bike number 1 was all sorted out.
I have a minor meltdown and they start kissing my ass and telling me they will handle it. I then demand proof that loan number 1 is indeed straightened out and what do they present me with? A new loan packet, and although the terms match what i was promised- they filled it out and had an employee FORGE MY ****ING SIGNATURE. THATS how they FIXED it. I ask them who sigend it, the finance manager explains to me that he had one of his guys copy my signature to keep me from being inconvenienced by having to come down and re-sign the papers.
So bike number one was "fixed" with forged papers and bike number 2 is still unfixed and someone had written over what i had signed and agreed to. I have copies of all forged signatures on bike number1 and copies of the original changed sales agreement along with my unchanged carbon slip for bike 2.

what do i do here folks? allow them to fix it? demand better pricing ( we paid 9k for each unit) or get an attorney? they know they ****ed up at this point and the dude is now rightly worried about sh!t. or should i bring the bikes back and say FUKK YOU - NOW YOU KEEP THEM? can i even do that? someone have some real advice here? At this point i dont want them to make any money off me, I love this bike, but there are others just like it. do i have an out here?

im new here i know and i hope this isnt out of line, but im hoping yall can shed some light here
thanx alot
-Rusty
 

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I don't know what to do regarding the bikes, but I would be in contact with the Better Business Bureau and tell them your story. I hope you get this sorted out to your satisfaction.
 

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Discussion Starter #3
thanx man- i did call the BBB today, they said all they could do is file a complaint on them, and thats all. i also talked to consumer affairs and they are sending me a packet but they say 60 to 90 days for them to look into it. ahhh speedy just like i like it.
 

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It never hurts to talk to an attorney for legal matters to find out if there is any recourse. And if they can help you. I'd offer my opinion but I'm quite certain it's not much different than yours. Sorry to here about your situation. I truly hope it gets resolved in your best interest.

Dann
 

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Turn them in and find another dealer.

Call the BBB, Suzuki, Reg. Suzuki Rep etc... if you want to wage a complaint.

Make them give you a screaming deal.

No excuse for forgery and that it's a Fed offense.
 

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#1. Consider your credit report.

#2. Consider your credit report again, and how this could make you look bad for the next 7+ years. (All of this stuff is headed to those reports, like it or not.)

#3. Now call a lawyer, first thing tomorrow morning. I am not a lawyer, don't even play one of TV. Money fraud and identity theft, well... those are criminal acts punishable by prison time. Pay the lawyer a couple hundred bucks and have him explain this entire situation in writing to the dealership, copying each lender and the credit bureaus.

If you want to wait on the lawyer for the moment, go to your local police department or sheriff's office and talk to a detective, preferably one that deals with fraud cases.

Also let Suzuki and your bank know of all these actions and provide them copies of all documentation.

These guys need to be in jail, plain and simple.

Steve.
 

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You REALLY need to contact an attorney and find out if you can void the deals altogether and return the bikes. Forgery would be a good starting point for that discussion, I'd bet. After all, you yourself said there were plenty more Stroms just like them. The key here is feeling comfortable with the ongoing relationship that you will have with the dealer you buy from. That wouldn't seem possible at this point. Best of luck to you. It's a crappy situation and I sure don't envy you a bit.
 

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If you like the bikes then find a way to keep them. But the dealers employees and maybe the owner himself needs to be taken to legal task for what they have done to you. This kind of stuff is typically not an isolated incident. Not only can you help yourself by taking this as far as you can with the law, you will also protect many people from becoming victims in the future. If you just take a 'deal' from them to cure your issue thats fine but wont stop them from cheating others. IMHO
Hope it goes well for you. Seems like it could hardly get any worse.
 

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Good grief, that is totally nuts. Call a good lawyer, present him with all the paperwork and ask for your options. I would think the dealer is in a real pile of sh*t right now and he knows it. Good luck and keep us up to date, this will be a learning curve for all of us.
 

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My .02$. You need to decide the level of justice you want to get from this situation. If you really have them over the barrel as you describe you can basically do one of two things. 1, get the very best monetary deal for yourself. Decide what $$$deal will make you happy. Correct the sale and enjoy your deal(s). I would think that the dealer would be eager to be generous to avoid the courts or any negative publicity from this going to court. 2, contact the States Attorney General and nail the SOB. But remember, your actual monetary benefit to you might be from option 1. I have a family member who went through this very thing several years ago on a car purchase from a local dealer and this is what an attorney spelled out for him. He opted for #1 and got his car nearly for free as the dealer was really eager to avoid court. With option 2 you are probably going to pay what you initially agreed to pay but the dealer will be in slightly more trouble with the State. Other than the legal expense of court time and some publicity your dealer's attorneys will see that the dealership suffers very little from this. At least that is the way it works here in Ohio.
 

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Be Calm, Cool, & Calculating

I certainly would be keeping every bit of paperwork you have gathered throughout this entire episode. I would especially be trying to get copies of those forged documents from the finance companies without alarming the dealership. Be calm and cool during this phase of information gathering. If you have a copy of the documents you did sign and those statements you mentioned, you might already have something. However, getting copies of those forged documents could give you some real bargaining power for what I recommend should be your final goal—getting them to take the bikes back and calling off this entire deal without any mention of this incident appearing on your credit history.

I personally would not want to engage in business with any establishment who has done the things you’ve described here. Forgery is a serious offense and if you can prove they have done this, than there should be a good chance they will eventually back down when you start applying pressure. Of course, they may just claim it was a mistake, but it’s their mistake, isn’t it ? Get all the documents(or copies) that you can, then re-assess what you think you can get them to do, and how you want to start negotiating. Usually, you might start out reasonable(but firm) before you start threatening legal action. Perhaps have a lawyer write them a letter if this doesn’t work. Research what laws govern new automobile/motorcycle deals like this in your State. Realize that you may have a few cards to play here. Do your homework. Try to be strong emotionally. You may have a fight on your hands, but don’t give up hope. Impress them with your calm(but firm), intelligent, and resolute manner and you might be surprised how well you come out of this situation.

P.S. When I bought my bike, I saved up and paid cash for it. I knew that the cost of motorcycle ownership can be deceptive since the gas savings are often absorbed by the cost of the tires alone which can be expensive and do not last near as long as automobile tires. I know this is a day late and a dollar short, but you might want to consider this approach for future motorcycle purchases.
 

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Discussion Starter #12
thanx for these responses people.

So far, i have a copy of the changed originals that dont match my carbons and a copy of my forged signature and when the finance manager called my girl to explain the forgery, he did so on her recorded work line. i dunno how legal that is, but there you have it. so it seems to me that i have all that i need to give these guys a whippin. im going to speak to a lawyer today and will post back. any other opinions would be great.

does anyone know how i can find out what dealer cost on a v - strom is?
 

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Gather evidence, check to see if you can record legally in your state and record some conversations of admitting the forgery. Get all the information you can on the issue that would support your case, copies, originals, etc.
Once you have aquired this, call a lawyer and the BBB. Make copies of all you have and store in a safe place.
Meanwhile ride the shit out of that bike, be sure to show up for all legal proceedings on it, and be sure to make payments based on the original agreement, ensuring you have the original paperwork documeting this amount from the original sale. Do not skip payments as tempting as this may be, but you need the supporting paperwork.
Once you have all this info, you will have them just where you want them, but you have to map out the process before you play your cards. Too early without supporting evidence, and they will slip the noose, do not notify the BBB until you get the evidence you need to proceed, if the dealer get any hint he is being investigated, he will clean up his papers and all the shityou need to make your case.
Then start a civil lawsuit after discussing it with your lawyer and follow up on it. You may be able to get an out of court settlement. Keep a close eye on your credit rating, and if this should falter due to their neglegenace, I believe you could hold them liable, but only after the courts have found them guilty of forgery and falsification of legal documants. Then you will have also nearly won the civil case as in civil lawsuits, the courts cannot overturn previous legal rulings.
Now the big question: What Dealership?:)
 

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Perhaps I missed something in your original post, but I don't see any monetary damages here. I'm not quite sure for what you would haul them into court. It sounds like they are incompetent boobs, but if that were a crime, our jails would be more crowded than they already are.
 

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First I would make copies of all your original paperwork that Suzuki gave you and that you signed originally.

Second I would file complaints no matter the time process with the BBB; Suzuki Corp. in form of a formal complaint letter about the dealership and have it notarized.

Third I would contact a lawyer that handles these particular situations to send a letter to the dealership and to Suzuki Corp.

Now I don't care too much for lawyers but let's be honest, a business won't take you serious unless an esquire has attached his John Henry to it on letterhead.

Keep a timeline with dates and the hour you made these contacts. Trust me in this documentation effort. Then keep track of any loss wages at work and have your lawyer document same if this is an issue as well.

I have a feeling this will then take care of itself. Also if this reflects badly against your credit the dealership or the Suzuki Corp. due to dealership being under contract will have to pay to have your credit restored. But I would go ahead and pay the loan amount so you won't have to worry of this matter. Credit is hard to restore and if you have never worked with Esperian or other credit servers then you don't know what you are dealing with.

I hope this helps you out and no, it won't be an easy process but this is life and sometimes we must do these things.
 

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Perhaps I missed something in your original post, but I don't see any monetary damages here. I'm not quite sure for what you would haul them into court. It sounds like they are incompetent boobs, but if that were a crime, our jails would be more crowded than they already are.
No monetary damages, but if his credit rating is damgaed because he is in default of a loan he never made because it was forged, then they should be hald accountable for any punitive damages.
Everyone here has great ideas, go though all of them and make a list, msheron with the notorized suzuki notice is very good, as this puts additional heat on the dealership form corporate.
 

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Dread,

There are two things you should know about lawyers.

The first is that any of them will look at your situation for no charge and tell you whether they can help you and give you an idea of what will be involved.

The second is that in a remarkable number of cases a simple letter from the lawyer, which will cost you maybe a hundred bucks, will induce the wrongdoer to get off his butt and fix things.
 

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I believe the dealer cost on the DL1000 is right around 6800 +shipping/delivery +assembly if they hire a company to de-crate them. You should be able to get a larger dealer down to between 7600-8000 from the 8999 MSRP.

Just my $0.02
 

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Calmly...not worth having a stroke over...

GO to the dealership and ask to talk to the owner. If they're not there make an appointment. Advise the owner what was said and done by their employees. In this calm discussion mention the phrase "this appears to be fraudulent and deceptive" and if not resolved immediately you'll be filing a complaint with your state attorney general and the finance companies.

Immediately send a registered/return receipt requested letter disputing the charges to the accounts to both credit companies HSBC/GEM with copies of the original financing documents you should have been given at signing showing the correct terms. They will provide a dispute address. It has to be in writing to be a valid dispute. Explain to them that you will make the payments as originally aggreed timely until the matter is resolved and that you believe that your signature was forged on the documents they received. Give them as much factual detail as possible. Once you file this complaint the finance companies are obligated to investigate and to provide resolution within I think 30 days.

Complain to the manufactures they represent ie Yamaha, Suzuki. Most have a consumer line or email contact point.

These are steps that you can and should take immediately, but are only first steps.

Do stay calm, you come off as a loon when you're red faced, spitting and sputtering. And it's certainly not worth a stroke.

Do follow up on everything and get it in writing. Keep notes on everything.

State things factually, don't assume or make unwarrented accusations or make phycial threats.

Watch your credit report for at least 6 months following this, if not handled properly at any level it can mess you up for years. How I know, indentity theft sucks!

If the dealer isn't willing to resolve the issue call the police to report the fraud then ask your state BAR Association to refer an attorney that deals with dealers. Not all schisters are capable in all fields of law.

I work in the credit business and the owner of the dealership should resolve this problem. Their employee signing your name is a crime their business and the employee are lible for.

Just my $.02 worth and I am no lawyer and your experience may vary and this situation could easily get worse or better.
 

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I see a 2 for 1 deal here$$$$ I suspect with all the "evidence" you have they will be more than happy to give you a big credit on these bikes to stay out of jail. This kind of thing can cost them their franchise along with all of the criminal penalties. At the very least they should be able to straighten out the fianancing part, they are acting agents of the loan companies.
 
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