Summary of Events for Shaquoya Raysor
This program participant called us about purchasing a vehicle through our program. She was referred to us by someone who is in our program that told her all about how our program works. Although we do have a "dealer's license"... we operate differently than any dealership. She knew this and sought us out and pursued us for an appointment.
As a result of discussing our program with someone else who was actively progressing through it... Shaquoya was already excited about our program. Before contacting us, she went through our website and did her research and determined that she wanted to go through our program. On 7/27/21 she came into our office and we spent several hours going over our program and her budget. We showed her over 15 vehicles and she selected a 2018 VW Jetta.
After selecting and test driving that vehicle, within an hour, she was driving home.
You can click here and see the worksheet that we did with her. You can see that we documented her expenses, which were around $900/mo and her income, which she said was $4,400/mo. We deducted her expenses from her income, which is what you do when you do a "budget" and that left $3,500/mo. This means that she had $3,500 at the end of each month after she paid all of her bills. Using that figure, we suggested that she could increase her payments toward one or more assets and reduce the amount of principle she would pay. We were able to create a 14 month plan whereby she diverted $1,000 of her $3,500 into making larger than normal payments so that she would own her 2018 VW Jetta in just over a year.... NOT 5 or 6 years. This payment plan would have meant that she would have paid around $18,000 altogether, which would have been much less than if she were to get financing at one of those other places.
We suggest this concept to everybody that is interested in our help. The concept is simple. If you can afford to pay the principle faster, you SAVE MONEY. Her complaint does NOT convey the reason why we offered her a 2018 Volkswagen Jetta with low miles for $1,000/mo....only that it was a negative thing. We compared our plan to that of Drivetime and Carmax and she agreed that this plan was better and would save her money.
WHAT REALLY HAPPENED...
Shaquoya went home and her family happened. You can hear in the audio recordings (at the bottom of this page), that she was frustrated with her family and that she thought our program was great, but that her family would not listen to her explain what we were trying to do to help her. So, she was forced to concede to her family's demands, in fear of what the family may do to her for trying to do something they didn't approve. In the recordings you can hear her apologize to us for having to put us through the negativity that she was being forced to endure from her family.
As a result of discussing our program with someone else who was actively progressing through it... Shaquoya was already excited about our program. Before contacting us, she went through our website and did her research and determined that she wanted to go through our program. On 7/27/21 she came into our office and we spent several hours going over our program and her budget. We showed her over 15 vehicles and she selected a 2018 VW Jetta.
After selecting and test driving that vehicle, within an hour, she was driving home.
You can click here and see the worksheet that we did with her. You can see that we documented her expenses, which were around $900/mo and her income, which she said was $4,400/mo. We deducted her expenses from her income, which is what you do when you do a "budget" and that left $3,500/mo. This means that she had $3,500 at the end of each month after she paid all of her bills. Using that figure, we suggested that she could increase her payments toward one or more assets and reduce the amount of principle she would pay. We were able to create a 14 month plan whereby she diverted $1,000 of her $3,500 into making larger than normal payments so that she would own her 2018 VW Jetta in just over a year.... NOT 5 or 6 years. This payment plan would have meant that she would have paid around $18,000 altogether, which would have been much less than if she were to get financing at one of those other places.
We suggest this concept to everybody that is interested in our help. The concept is simple. If you can afford to pay the principle faster, you SAVE MONEY. Her complaint does NOT convey the reason why we offered her a 2018 Volkswagen Jetta with low miles for $1,000/mo....only that it was a negative thing. We compared our plan to that of Drivetime and Carmax and she agreed that this plan was better and would save her money.
WHAT REALLY HAPPENED...
Shaquoya went home and her family happened. You can hear in the audio recordings (at the bottom of this page), that she was frustrated with her family and that she thought our program was great, but that her family would not listen to her explain what we were trying to do to help her. So, she was forced to concede to her family's demands, in fear of what the family may do to her for trying to do something they didn't approve. In the recordings you can hear her apologize to us for having to put us through the negativity that she was being forced to endure from her family.
This is Shaquoya right before she left our office with her 2008 Hyundai SantaFe.
Does she look like someone that was unhappy about her situation?
Does she look like someone that was unhappy about her situation?
Complaint Specifics
- Quote on $1,000/mo - Yes. We did end up going with this payment plan. However, she fails to explain that it was for 14 months. That is just over a year! She would have paid a subtotal of $18,000 for this vehicle. We ran the values on this vehicle before doing the paperwork and the retail value on this particular vehicle was $18,000. So, that means she was able to secure a "No-Credit-Check" approval and drive away in a 2018 VW Jetta that was worth around $18,000 and in just over a year she would have paid only $18,000. Compare that to buying a vehicle the traditional way. She has bad credit, she was unable to purchase a vehicle from any other auto dealer. Even if she was able to get approved, they would have forced her into a finance contract for 5 years or more with really high interest rates. She would have paid $30k to $40k for that same vehicle anywhere else. We Saved Her Money! That's what we do!
- Cracked Windshield - Yes. This vehicle had a chip and crack. However, she is failing to tell you that she picked this vehicle. We showed her over 15 units and she wanted this one. We told her that this vehicle had only one problem and that was it. We also told her that if she wanted the 2018 VW Jetta that we knew a professional windshield company that would replace the windshield for free. We told her that in about a week that would be done at no charge to her. But, she failed to tell the truth about this.
- Flat Tire - Yes. She picked up a nail on the way home and got a flat tire. You should listen to the first audio recording. She insanely tries to say that the AAA roadside assistance rep that was sent out to put on her spare, told her that she picked up a nail at our location. Because this AAA roadside repair person some how knew that this specific nail came from us... She is reaching and grasping for anything to justify her poor decisions. We some how pushed a nail into her tire and made her get a flat, cause we're the big bad auto dealership. This is what she's trying to get everyone to believe. Listen to the audio recordings!
- 3 to 4 hours of time - Yes. If you've every bought anything like a car or home, it's a major purchase. It will taken several hours. She is acting as if this should have been done in an hour or two. Childish young lady.
- Highway Robbery? - No. We already communicated the TRUTH about the payment plan that we helped her choose. We didn't force her to do anything.
- Her Deposit? - No. First, we have to clarify that we offered Shaquoya the option to purchase a vehicle without a payment plan. She declined this option and wanted that sleek, stylish, NEW 2018 VW Jetta. Her family told her to take this back and get her money back. You can listen to the audio recording where we discuss that the purchase was final and she signed a contract. You can listen to that conversation and see that we offered her several options AND did NOT say she couldn't get her money back. One of the options was to apply what she paid into the program toward one of those original vehicles that we told her she could purchase that eliminated the need for a payment plan. Had she chosen to do this the first day, perhaps we wouldn't be where we are on this. She got 100% of her proceeds applied to the 2008 Hyundai SantaFe (see pics below).
- Her Deposit---We already used it? - No. Listen to the first recording. You can hear us clearly state her options and there were 2 or 3 of them. She ended up defaulting to what we offered her the previous day, which was selecting a vehicle where she could go back to her family and say that she bought a cash car and was not in a payment plan.
- We are Rip Offs - Why? She says we ripped her off.... but look at the image of her and her new vehicle below. Listen to the audio recordings. You will see that her complaint and the reality of what happened are night and day different. What evidence does she have that we ripped her off? She has a vehicle that she left with and you can see the bill of sale, the registration and documentation. How did we rip her off exactly?
Text Exchange...When we found out that she had filed a one-star google review we contacted her to ask why and notify her that per the terms of our program any actions like this was grounds for termination from the program.
She responded... acting as if she was confused and didn't post anything. We sent the screenshot of her google review and she said that she felt threatened for something she didn't do. Really? This further proves how immature this young lady is. Is this today's go-to...I "feel" threatened therefore I can't hold an adult conversation? Like the police is going to waste time and money and do anything in this situation. It's deceit and a distraction to get off the fact that she went public with false statements. We offered to give until 3pm the next to remove her fake review or we would release the recordings and all information surrounding this transaction. We will be notifying Google and expect this text alone with be cause to remove the statement. But, because she failed to remove the review on her own accord, we are going to notify her family and share the audio recordings with them so they can see what she really thinks about them....or at least what she communicated to us. |
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2018 Volkswagen Jetta
This was the vehicle that Shaquoya selected. We didn't make her walk over to this vehicle and select it. We showed her over 15 various vehicles, ranging in age and price and she specifically picked this one. She didn't want any other lower priced vehicle...until she got home and her family talked her out of it.
2008 Hyundai SantaFe
Although Shaquoya originally selected the 2018 Volkswagen Jetta, her family made her bring it back to us and that is when we looked at lower priced vehicles that she could purchase without any payments. This 2008 Hyundai SantaFe only had 80k miles and she loved it.
Documentation
| life-plan-worksheet.pdf |
Recordings
This is the audio recording of the conversation that we had with Shaquoya when she first came in to return the 2018 Volkswagen Jetta.
Notable Facts about this discussion...
- When asked if her family would listen to her explain what our program was about and what had actually happened... she said that they didn't want to listen to her. So, therefore, they had formed an opinion about what she did and would not stop to listen to get the facts and instead, demanded that she do what they want her to do.
- 1 to 2 minutes - How convenient is it that her family was going to secretively purchase a vehicle for her and that's supposed to be justification for breaking the contract that she signed with us.
- 3min 40 seconds - Tries to say that the AAA man told her that she got a flat tire from a long nail that some how came from us?
- 5min 45 seconds - She announces that the rearview mirror isn't moving. We were unaware of this minor defect. Again, she is trying to reach or grasp for anything she can to justify her mistakes, that her family is telling her that she made. None of which, are justifiable reasons for trying to exit the program.
- 6 to 9 minutes - It was determined that she is leaving the program because her family is influencing her to do so, NOT the condition of the vehicle.
- 9 minutes - She states that the biggest thing that her family wanted was to get a cash car vs a payment plan.
- 10 minutes - She continues to justify her position and defend her decisions, by saying that a friend was able to get her money back from another dealership and that she was able to return a car because she didn't get approved. Mr. Matthew Explained to her that she signed a contract in a program and continued to explain her options.
- 12 minutes - Gave her the options of what she could do with her program payment and continue in the program.
- 14 minutes - Explained the difference of securing a vehicle in our program verses purchasing a vehicle traditionally. Compared some of the benefits and reminded her of what we already discussed the previous day.
- 15 minutes - She brought up the issue with the gps system that we install in the vehicles that are in a payment plan. Mr. Matthew explained to her how the geo fencing and gps system works and clarified her confusion. Mr. Matthew gave the benefits of this system.
- 17 minutes - reminded her that she had free oil changes.
- 18 and 19 minutes - Explained how her initial program payment can be credited back to her through the program.
- 20 minutes - Offered to apply her payment that she made toward the program and other vehicle to one of the lower priced vehicles that she had expressed interest in. You can hear us talking about finding her a vehicle that would make her family happy and that brought her spirits way up as we started looking at vehicles.
It was at this point that her posture, demeanor and body language changed. She seemed no longer tense about the situation. She became much more excited about the prospect of leaving with a vehicle she could select that she could own with out payments SO THAT HER FAMILY would not be upset with her.
We went outside and started looking at vehicles.
We went outside and started looking at vehicles.
This recording was done while test driving a 2014 Mitsubishi Outlander.
Notable Facts about this discussion...
Notable Facts about this discussion...
- 1 min - Mr. Matthew reviewed the service plan and reviewed the benefits. In light of what she said about her family, we talked about how we would address any small issues that she may find, helping to appease any concerns her family may have.
- 3 min - Discussed the condition of the first vehicle we were test driving. Mr. Matthew took special care to point out a significant number of important things about what she should be looking at when buying a vehicle.
- 5 min - She shares her frustrations to Mr. Matthew about how her family treats her ("especially her mother").
- 8 min - Mr. Matthew explained the value disposition between the two vehicles. He was trying to help her discern between which vehicle would best based on the price we could sell to her compared to the higher value, which should help her deal with the negativity she would be facing from her family. We discussed getting her a super low price and structuring the transaction so that she would save money, etc.
- 12 min - Mr. Matthew reminded her and she agreed that we had offered her the opportunity to get a cash car instead of a payment plan. This is further proof that her google review is false.
- 15 min - She expressed that she felt better about purchasing one of these SUVs versus the car that her family said they were going to get her.
This recording was done while test driving a second vehicle, a 2008 Hyundai SantaFe. This is the vehicle that she ended up purchasing and leaving with.
Notable Facts about this discussion...
- In the first 4 to 7 minutes we discussed the pros and cons between the two vehicles, in consideration of pleasing her family.
- 9 min - Discussion on leather vs cloth seats. She is laughing and seems happy about everything. Opposite of what she was describing in her google review.
- At the end of this test drive, Mr. Matthew asks the mechanic to get something soft for Shaquoya to use to be able to look underneath each of the vehicles with.
- Our mechanic spent about 30 minutes with her looking over the engine area and the under carriage.
This recording was done after test driving 2 vehicles. Shaquoya came inside the office and Mr. Matthew worked up the figures and presented them to her. She contacted her family to go over her options and she made her selection.
Notable Facts about this discussion...
Notable Facts about this discussion...
- 1 min - She points out that her family was going crazy on her last night when she came home in the 2018 VW Jetta. For that reason, she brought in the rest of her money to try and purchase a cash car.
- 2 to 3 min - We were going over figures between the two vehicles. Explained the break down on taxes and other fees for both vehicles.
- 4 to 10 min - She calls her dad and spends 5 minutes discussing the differences between the two vehicles and solicits his opinion on which one she should choose.
- 10 min - She explains that the 2008 Hyundai is the one she wants and that she couldn't find anything wrong with it.
- 11 min - She expresses to Mr. Matthew how thankful she is that we continued to work with her and that she was sorry about the mis communication with her family, etc.
- 12 min - She calls her grandmother to get her approval on purchasing the 2008 Hyundai SantaFe.
Closing Summary
If you listen to the audio recordings, you can see that Shaquoya was communicating to us that her family was suffocating her and controlling her. "Treating her like a child".... her own words. Everything that she wrote in that google review is the opposite of what really happened. From the facts and evidence we have provided, it is easy to see that she is either being manipulated by her family and forced to make false statements OR she is seeking forgiveness from them for daring to go out on her own and do something without them... We can only assume this is why she wrote a fake/false google review.