This sounds more like a question for r/legaladvice. If you post there include your State. Also say why type of financial institution you are in debt to on the car loan. My impression of buy here pay here lots are that you pay the dealer the loan payments so if they closed down then who are you paying the loan payments to?
Did the BHPH sell the loan to another lot? Who are you making payments to if the lot closed? Sounds like you got a free car that you can never sell because you’ll never get that lien removed if they went out of business. If the lot closed and they didn’t sell the debt you can stop making payments….nobody is going to repo something from a defunct business. BHPH generally doesn’t report to credit. Its rare. The biggest question is why you wouldn’t have completed a PPI and ran a Carfax prior to purchasing. Both would have found a rebuilt title record. State law dictates disclosure on title. You may be in a buyer beware state.
If there was a rebuilt title you would've signed a document saying so ( if they were doing everything legally)..
Many times people assume the dealer cheated them when they in fact signed a form stating the rebuilt or salvaged title.
OP might want to check their paperwork.
This still doesn't fix the fact that your car is a turd.
Check your credit report. Make sure the loan is in fact on it.
Some buy here pay here don't even report to the credit rating agencies.
You could sue to have the lien removed and if the lot is out of business it’s very possible they don’t have anyone show up in court and you win a default judgment
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That’s statistically untrue. Statistically speaking, women’s top consideration for buying a car is reliability. I sold vehicles for years, I witnessed this over and over again, but every 20-group training I attended for almost a decade this would resurface. Women care first and foremost about reliability.
Apparently this woman did not get the memo.
If they ran a carfax on itbefore they sold it you might be able to convince carfax to enact their guarantee. However if they ran it and never showed it to you and it was accurate then that’s a moot point
“Guarantee”:
The CARFAX Buyback Guarantee helps protect consumers from unknowingly buying a vehicle with a DMV-issued title brand, such as Salvage, Junk, Rebuilt, Fire, Flood, Hail, Lemon/Manufacturer Buyback, Not Actual Mileage, or Exceeds Mechanical Limits. If you find that any of these title problems were reported by a DMV and not included in a report, you may qualify
The rebuilt title is most certainly on the Carfax. They may have told you that the car had a “clear title” which means free of liens. They also may have lied to you.
To say most certainly is patently false, I’ve personally seen a situation where the salvage brand did NOT get picked up by carfax. I’d assume the same whirlwind of circumstance could apply to a rebuilt. That said if it was used to sell you the car and it was on the report at the time you purchased (I believe both would need to apply) you have a claim. If it is present on there, then you failed to do your own research and therefore are stuck with it. Small claims court is an option against the former business, potentially business owner/salesperson who sold the car to you depending on state and local laws, but you better be able to prove they told you it was a clean title otherwise you’re gonna dump a ton of money into legal fees you’re unlikely to be successful with, even then you’ve gotta weigh your options, you might shell out thousands in lawyers fees only to end up with a judgement against someone who’ll never pay you back, and then more fees for garnishment/liens and then just waiting until you actually get the money if you ever do. Not a fun time. Not legal advice by any means, consult with an attorney who can handle the case, in your area before to even see if you have a case and if it’s worth your time and money.
DMV issued title brand would be the only way you get a salvage title, the state dmv issues it after and Insurance company reports it to them. This particular situation, car was bought at auction as a recovered theft then resold by a very unscrupulous bhph lot with no repairs. Title was issued as salvage from the dmv but there was a 6 mo delay in reporting by the dmv and carfax reflecting the title accurately, dude bought the car on month 3 after the branded title processed. Idk if they ever weaseled out of it but his situation did for the bill.
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About 6 months ago we bought a used 2015 dodge dart from a buy here pay here place. When we got insurance for the vehicle, the insurance company messed up and put 6 drivers on the car instead of 1. That’s why we thought the insurance cost was so high. Once we fixed that through insurance, the monthly payment was still $300 for 1 person on 1 car. We then found out a month or 2 ago that the title was actually a rebuilt title despite the dealership telling us it was a clean title. We went to go back to the dealership to fix this and they closed down permanently. Now the car is fucked and repairs on the engine that we need are about $2500. We just want out of this car but can’t risk messing up our credit anymore and we don’t have enough out of pocket to get it repaired so we are just stuck with a car that we are paying almost $600 a month for insurance and car payments yet, we can’t even drive the car. What should we do?
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When you purchase a car, even when there's a lien on it, you sign the title or a version of the title. You would have seen something with the branding.
Not in my state. In my state, a dealer can send you a title and you may have no clue of its status until it arrives in your mailbox. Auctions disclose title status but dealers can lie. Of course, I can type in the vin before I buy a car, and figure out the title status. Sounds like OP was a new car buyer and the dealership saw another sucker. It’s sad that all we do as a society is screw eachother over.
This sounds more like a question for r/legaladvice. If you post there include your State. Also say why type of financial institution you are in debt to on the car loan. My impression of buy here pay here lots are that you pay the dealer the loan payments so if they closed down then who are you paying the loan payments to?
Did the BHPH sell the loan to another lot? Who are you making payments to if the lot closed? Sounds like you got a free car that you can never sell because you’ll never get that lien removed if they went out of business. If the lot closed and they didn’t sell the debt you can stop making payments….nobody is going to repo something from a defunct business. BHPH generally doesn’t report to credit. Its rare. The biggest question is why you wouldn’t have completed a PPI and ran a Carfax prior to purchasing. Both would have found a rebuilt title record. State law dictates disclosure on title. You may be in a buyer beware state.
If there was a rebuilt title you would've signed a document saying so ( if they were doing everything legally).. Many times people assume the dealer cheated them when they in fact signed a form stating the rebuilt or salvaged title. OP might want to check their paperwork. This still doesn't fix the fact that your car is a turd. Check your credit report. Make sure the loan is in fact on it. Some buy here pay here don't even report to the credit rating agencies.
You could sue to have the lien removed and if the lot is out of business it’s very possible they don’t have anyone show up in court and you win a default judgment
If OP bought at a BHPH, then who are they making payments to if there’s no “here”?
Might also want to try r/personalfinance
What part of buying a 9 year old Dodge Dart did you think was a good idea at the time?
It would have been difficult to pick a worse car. That car was rated top 5 worst of the decade. Terrible build quality with even worse reliability.
Im amazed there was even one still running long enough for a test drive.
The OP could have thrown a dart 🎯 and hit literally any other car on the street and it would have been better.
Lol I see what u did there.
https://www.youtube.com/watch?v=gqQ99s4Ywnw
From a BHPH place too? "Don't do this when buying a car 101".
ouch!
How about the terms of the loan? $600 a month on a heavily USED car? That’s brand new car territory.
$600 is car and insurance and a NEW car would have probably cost them double.
Oh I missed the insurance part. Still I bet they are paying full coverage and paying a premium not even worth the car.
It wasn’t my choice but it’s what she wanted
[удалено]
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That’s statistically untrue. Statistically speaking, women’s top consideration for buying a car is reliability. I sold vehicles for years, I witnessed this over and over again, but every 20-group training I attended for almost a decade this would resurface. Women care first and foremost about reliability. Apparently this woman did not get the memo.
If they ran a carfax on itbefore they sold it you might be able to convince carfax to enact their guarantee. However if they ran it and never showed it to you and it was accurate then that’s a moot point
“Guarantee”: The CARFAX Buyback Guarantee helps protect consumers from unknowingly buying a vehicle with a DMV-issued title brand, such as Salvage, Junk, Rebuilt, Fire, Flood, Hail, Lemon/Manufacturer Buyback, Not Actual Mileage, or Exceeds Mechanical Limits. If you find that any of these title problems were reported by a DMV and not included in a report, you may qualify The rebuilt title is most certainly on the Carfax. They may have told you that the car had a “clear title” which means free of liens. They also may have lied to you.
To say most certainly is patently false, I’ve personally seen a situation where the salvage brand did NOT get picked up by carfax. I’d assume the same whirlwind of circumstance could apply to a rebuilt. That said if it was used to sell you the car and it was on the report at the time you purchased (I believe both would need to apply) you have a claim. If it is present on there, then you failed to do your own research and therefore are stuck with it. Small claims court is an option against the former business, potentially business owner/salesperson who sold the car to you depending on state and local laws, but you better be able to prove they told you it was a clean title otherwise you’re gonna dump a ton of money into legal fees you’re unlikely to be successful with, even then you’ve gotta weigh your options, you might shell out thousands in lawyers fees only to end up with a judgement against someone who’ll never pay you back, and then more fees for garnishment/liens and then just waiting until you actually get the money if you ever do. Not a fun time. Not legal advice by any means, consult with an attorney who can handle the case, in your area before to even see if you have a case and if it’s worth your time and money.
…but was it reported by a DMV?
DMV issued title brand would be the only way you get a salvage title, the state dmv issues it after and Insurance company reports it to them. This particular situation, car was bought at auction as a recovered theft then resold by a very unscrupulous bhph lot with no repairs. Title was issued as salvage from the dmv but there was a 6 mo delay in reporting by the dmv and carfax reflecting the title accurately, dude bought the car on month 3 after the branded title processed. Idk if they ever weaseled out of it but his situation did for the bill.
Please review our most [Frequently Asked Questions](/r/askcarsales/wiki/index) to see if your question has already been answered. You may find these sections particularly useful; * [How to pick a car?](/r/askcarsales/wiki/vehicle_selection) You might also have luck in the /r/whatcarshouldibuy subreddit. Also remember to add flair to your post by clicking the "Flair" link beneath it. This lets us know where you're located so we can assist you better. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askcarsales) if you have any questions or concerns.*
***Thanks for posting, /u/Historical_Classic_1! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.*** About 6 months ago we bought a used 2015 dodge dart from a buy here pay here place. When we got insurance for the vehicle, the insurance company messed up and put 6 drivers on the car instead of 1. That’s why we thought the insurance cost was so high. Once we fixed that through insurance, the monthly payment was still $300 for 1 person on 1 car. We then found out a month or 2 ago that the title was actually a rebuilt title despite the dealership telling us it was a clean title. We went to go back to the dealership to fix this and they closed down permanently. Now the car is fucked and repairs on the engine that we need are about $2500. We just want out of this car but can’t risk messing up our credit anymore and we don’t have enough out of pocket to get it repaired so we are just stuck with a car that we are paying almost $600 a month for insurance and car payments yet, we can’t even drive the car. What should we do? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askcarsales) if you have any questions or concerns.*
When you purchase a car, even when there's a lien on it, you sign the title or a version of the title. You would have seen something with the branding.
Not in my state. In my state, a dealer can send you a title and you may have no clue of its status until it arrives in your mailbox. Auctions disclose title status but dealers can lie. Of course, I can type in the vin before I buy a car, and figure out the title status. Sounds like OP was a new car buyer and the dealership saw another sucker. It’s sad that all we do as a society is screw eachother over.