Clay Cooley / Auto Swindlers
Purchased my car in July 2007 after speaking with sales rep. via phone calls for a few weeks. Was told I qualified for a "new" program that gives second chances to deserving customers attempting to rebuild credit. For $1000 down I could choose from over 20+ new/barely preowned vehicles that would count towards all 3 credit bureaus and in return I after making payments on time after 6- 12 months I could refinance OR I could trade in for a another car. Well, long story short I drove home with a HUGELY overpriced '02 PT Cruiser AS IS, but promised it had no defects so after 6 months, I can trade in or finance at a lower rate. I felt as though because of my credit this was the only option for me. I drove the car home and it overheated as soon as I pulled into the driveway. Clay Cooley would not take the car back because legally the car was now mine, even if I had it less than 24 hours. They told me that it just needed the fluids changed. As it turns out, it overheated about 4 x's when I discovered they sold me the car with a hole in the radiator. Very very dangerous, but hey they got their $$$ so they didn't care. Please whoever reads this...BE CAREFUL! After 3-4 months of timely payments they then sold my account to Bayquest/Affiliated Financial. (They are even more of a nightmare- check my complaint filed under "Bayquest" on this site...always losing payments, counting $ towards interest and not principle, etc...)Learn from my mistakes...
1. Always get a Carfax report. If they won't gie you one - LEAVE ..no scratch that - RUN!
2. If they offer a sweet deal like the one I was offered (6-12 months refinance) get it in writing.
3. Ask probing questions about their option to sell your account to a different company AFTER you've purchased from them.
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