Williams Chevrolet Honda / Williams Chevrolet Honda will not refund your GAP insurance upon request
My first experience with Williams Chevrolet/Honda/Kia was with the purchase of a Honda Odyssey on February the 14th, 2006.This is the 1st of 3 experiences which have been very disappointing to say the least when it came to handling the financial portion of the purchases. Our first and third purchase we (my husband and I) or I for the third purchased were pursuaded to purchase the GAP insurance, with the promise that it could be cancelled at any time and prorated at the that time or cancelled with a complete refund within three days of the signed contact. The 1st purchase of the Odessey, I called the next day and cancelled the insurance. Jerry Cramer stated that he would take care of that for me. The next morning Jerry Cramer called me and said that there was a mistake in the paperwork and that it need to be redone. Since my husband and myself purchased this car and I was going into Traverse City that afternoon, I said that I would pick up the new paperwork and take it home for my husband to sign and return it the next day. I noticed that the GAP insurance was still on the contract. I asked why the GAP insurance was still on the paperwork, Jerry Cramer stated that it had to remain that way because the bank already had those figures and that we could not change their paperwork but that he had already taken care of it. I have spoken to Jerry Cramer on two different occasions, our salesman, Roy(a great honest guy) and twice to someone named Carrie that Jerry transfered me to. Each time with the promise that the check was in the mail. It is now JANUARY 2, 2008 and we have had to file SMALL CLAIMS to finally get a responce. After the dealership received the paperwork from court they finally called to say that they paid the bank on the second car back in May 2007 which the bank did not recieve until June the 12th, 2007 (NOT EVEN THE COMMON COURTESY TO NOTIFY US) after waiting so long and the first purchase of the Odessey they now say that it was mailed out to us at the same time that they paid the bank for the third purchase. If they paid the bank for one why not pay the bank for the second???? And do you find it hard to believe that the volume of business that their dealership does that they would let a check go uncashed for over 6 months without trying to contact me(at the same address and phone # for the last 15 years) to see why it was not cashed????? And if I had received a check why would we be going to Small Claims Court. Claudia stated in that phone call that the dealership would be glad to reissue that check. I called and left a message on Claudia's voice mail that we would gladly except a check that is what we have been waiting for, our 495.00 + what it cost us to file paperwork with the court of $54.50. We told her that we would even forget the interest that we have had to pay for the last two years on that money. Now they even refuse to do that because we will not sign a paper before we get the check saying that we will call the court proceeding off. Their cancelled check would be their proof.
IF YOU HAVE A CHOICE YOU SHOULD NOT TRUST THIS DEALERSHIP. IF YOU DO NOT-DO NOT SIGN UP FOR THE GAP INSURANCE AND READ EVERY FINANCIAL DETAIL WITH A FINE TOOTH COMB AND GET EVERY PROMISE IN WRITING AND WITNESSED. You do not need to purchase GAP Insurance from your car dealership in fact you can purchase it through most lending institutions for a lot less money and a lot better terms and return on your money, plus you pay for it by the month with your payment, you are not paying interest on that money. And you can wait and take your time to read all of the paperwork before you sign on a dotted line.
The second purchase was a KIA for my daughter who is a single mother and on a limited income. Of course she was looking for a reliable car and a payment which she could afford. We did our homework before going to the dealership and knew what type of car that would best suit her situation and the approximate price that she should have to pay for it. Long story short everything was going well until the salesman goes to find out what the bottom line is with the sales manager. He came back with a ridiculous price and of course we say no way. The sales manager comes back with the salesman telling us you can't find a better deal than this. We tell him we already have, downstate. He said well you'll have to drive to get it. We told him that wasn't true they will deliver to our door. Then he ask well how much can you afford to pay for month and she answered him. We waited for about 30 mins. and he salesman comes back and said well it took a lot but we did it. We say how much he said well come on into the office here and we can go over that. He took us over to the financial office the equal to Jerry Cramer at Williams Honda this guy did the same job at KIA. It was him and the sales manager. They start by saying well we've worked out the numbers with your trade in and got the payments down to what you can afford. My daughters looking at the contact the payment and thinking great shes ready to put pen to paper and the number 72 in the payments box catchs my eye. I stopped her right away and said what is this. They reply 72 payments. I said 6 YEARS are you kidding. They said no that is the standard now days. I said the standard, are you kidding me???? NO WAY!!! We should have walked out right then and there. I am not sure what they thought but, the figures magically changed within a few mins. and my daughter had her car and not for payments for 6 years but, 5.
I HATE TO THINK WHAT WOULD HAVE HAPPENED IF MY DAUGHTER HAD BEEN ALONE.
Like I said earlier......Don't trust this dealership for a second. If you have a choice.... USE IT!!!