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He sits at a small table in the Wild Oats Community Market, amid the muffins and the hazelnut coffee, waiting for his ride as Christmas carols float from speakers above.
"I'm your natural-living super friend," Aaron Travis says with a smile. "I assumed everybody was going to do right. See how lame I am. See how I got suckered on the car deal."
He laughs, the initial shock replaced now by bemused resignation, realizing that in this Christmas season he has experienced the true spirit of South Florida. So with holiday good cheer he proclaims, "This is wacky, isn't it!"
It is according to those who make their living investigating car-buyer complaints. "That's a new one," marveled Jean Barnes, an analyst in the Broward County Consumer Affairs Division. "Something doesn't sound right."
The Aaron Travis story begins with an attempt to buy his first car in South Florida. Travis, age 31, moved to Fort Lauderdale three years ago after graduating with a degree in English literature from Southwest Texas State University in San Marcos. For the last thirteen months, he has sold vitamins and herbs at Wild Oats, on East Sunrise Boulevard and NE 25th Avenue in Fort Lauderdale.
A test drive in a Ford Ranger truck led to prolonged discussion of payment possibilities, which led to Travis authorizing a credit check. He figured that would kill any potential deal, because he is behind on repaying more than $10,000 in student loans. "My credit isn't great," he volunteers. "I said I had student loans. I discussed that twice."
Travis waited for the credit check, then watched his salesmen carry papers into the finance manager's office. "I was thinking to myself, they're going to reject me. Then they came in and put it on me: 'What will it take to make a deal tonight?' I was surprised they were pushing me into this deal."
The company offered an apparent bargain on a 1997 Ford Ranger that Travis decided he couldn't refuse: payments of $262 a month at 6.9 percent interest and a $1000 trade-in allowance for his 1985 Thunderbird. The dealership gave him that trade-in without seeing the Thunderbird, which Travis had left at home and which, he acknowledges, had mechanical problems. "I was like, wow, I can't believe this; that was a great deal for me," he recalls. "The salesmen were all smiley and happy, shaking my hand; we made a deal."
Travis was ushered into the office of the finance manger, who asked about the student loans. "I said, 'I'm working on that....' He said, 'You're really lucky to have this truck.'" Travis then signed an installment contract for a $15,774 loan from Ford Motor Retail Credit Co. A salesman rode with Travis' girlfriend to pick up the Thunderbird trade-in; Travis drove out of Armstrong that very night in a white Ford Ranger.
"I was on the road, and it was my truck," he enthuses. "It was final. I was driving around happy."
That lasted ten days.
Then salesman Don Gottschalk called and said Travis now needed a cosigner on the loan. "I said, 'What are you talking about?' I thought the deal was done. I wouldn't have made a deal if I needed a cosigner. I wouldn't have traded my car in."
The next day an Armstrong "higher-up" -- Travis says he can't remember the name -- called to demand he find a cosigner or bring back the Ranger. "I said fine, I have no problem with that as long as I get my car back."
Then things deteriorated. According to Travis the Armstrong manager said they were going to charge a fee for the mileage he put on the truck -- and they were keeping his Thunderbird. Travis exploded. "I said, 'That's unreasonable, I can't believe you can get away with this. That's illegal I'm sure.'" According to Travis the manager replied, "That's what lawyers are for."
Whether Armstrong's actions are legal depends on what Travis signed that night in the dealership, but experts at Broward County Consumer Protection are skeptical. "I've never seen anything where they forfeit their trade-in," Barnes says. "That just doesn't sound right."
It is "very common" for dealers to demand more loan money or return of the vehicle days after buyers think the deal is done, Barnes says. That's called "spot delivery of a vehicle" and involves buyers signing a "bailment agreement," which gives the dealer the right to take back the car if, for example, a loan doesn't receive final approval.
Dealers often offer a low interest-rate to close a deal, Barnes explains, then have those terms rejected by the lending institution. "The dealer calls the buyer and says, 'We can get you financing,' and apparently they can, but at a much higher rate than what he was initially quoted." Dealers tell the buyer he must accept the higher rate or bring back the new car, Barnes continues, and frequently charge a fee for mileage put on the car while the buyer had it.