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Smart Shopper smart choice warranty HELP !
125 messages, Last post on Mar 10, 2008 at 9:36 AM
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Replying to: chaz1pro (Apr 20, 2004 11:10 am) |
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| I just found all this out on 04/15/05 because I need a part and never needed to use my warrantee until now. Am I the last to find out? Anyone still going threw this? | |
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| and perhaps I'm too experienced in things like this after dealing with folks with aftermarket contracts as a service manager, but I've seen this a lot...I wish you luck, and a consumer lawyer would probably be a good move. | |
On August 7, 2002, I applied for an extended warrantee with Consumer Automotive Consultants. I spoke to a consultant of this company that sold me a 10 year or 100,000 mile warrantee for $2K bumper to bumper. I agreed to the contract with a payment plan of for 18 months but to lock in the deal, a small down payment. My last payment was debited on February 20th 2004. At this time of contract I was unmarried and now recently married. On August 13th, 2002, I received a letter congratulating me on my new warrantee and that my contract will follow in the mail. One month later, I did receive my three-page contract on legal green paper and an SmartChoice 2000 ENCORE brochure of what is covered and not covered. I read all my information and disclosures and was satisfied of the contract. On August 11, 2003, I received a letter from Consumer Automotive Consultants telling me that they had moved the processing of claims submitted to Automotive Consumer Services, Inc. On February 20th 2004, my last payment was auto debited from my account. Later on this same evening, I contacted Automotive Consumer Services, Inc. I asked if my account was paid in full and would I be receiving a confirmation letter. The rep reviewed my account and said that yes I was paid in full and that a letter will be sent to me of confirmation paid in full. A few weeks later, I received a letter in the mail indicating my account was paid in fill on 02/02/04 made to CACFinancial towards my service contract, they still indicated that my policy is the same as the previous claim company. The contract states that customers with this warrantee must have authorization from the company before going to the dealer. I went to my quarterly oil change and it was indicated to me that I need a part replaced on my vehicle at this time 04/15/05 and update my new last name on my account. I pulled out my paperwork and called the number listed. I happened to speak to a rep at a company named TheAutoWarrenty Division, that the same number I called in February 2004. He never heard of the company that I was calling about but his manager mentioned something about their contract being redirected again. I called 7 different phone numbers to look for my account; no one could help me or knew what I was talking about. None of the telephone numbers on my paperwork are valid to my contract or service. It seams that I have a contract that is not valid and I cannot contact anyone that I can discuss my warrantee, get my vehicle repaired with my warrantee, or even get a refund for my contract that I still have at least three years left.
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| I purchased a smart choice contract from a dodge dealer in 10/2001. The sales person originally told me the contract was goin cost me 15,000. But when I went to the person who did the paperwork he told me the contract was going to cost me 3000. I was desperate for a car because I had just had a child, so I agreed..The money was added to my car note. I realized that was a big mistake. I want to take them to court. What I want to know is does anyone know how much a contract like that should cost for a 1998 dodge stratus with 6700 miles on it? They charged me 3,000. I also forgot to mention that I sent a cancellation request to smart choice 6 months later when I found out about the company going bankrupt. I havent had any repairs on my car but counting interest $4000 was added to my car note what can anyone tell me | |
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there's obviously no limit on markup on the warranties....your question about what it should cost is VERY vague and has 200 answers, depending on level of coverage and length of contract. Also, there hasn't been any actual damage to you, financially, since you agreed to the contract (and price). The dealer isn't on the hook for Smart Choice. You haven't had any repairs, so no claims have been denied - if that had happened, you MIGHT have a breach of warranty action, but a lawyer isn't going to want to chase a bankrupt company and pay filing fees only to have to get in line behind everyone else... Sorry I couldn't give you cheerier news. Oh, and by the way, I haven't seen a state yet that allowed more than a 2 year statute of limitations on any civil action....your car deal is 3 years, 8 months old - even if there was a problem, you're out of statute of limitations, so you can't take any action.
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I had no clue there were any problems with this warranty until today. My service engine light came on, so I took it in to the dealer who sold me both the car and the extended warranty. They told me that that the extended warranty company had gone bankrupt, and that they were going to charge me $90 to "diagnose" the problem with the car. But, out of the generosity of their hearts, they did say that they would give me some kind of discount on whatever parts were needed.  Is there any kind of lawsuit I could join against either the warranty company or against the car dealership itself?
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Replying to: driftracer (Apr 21, 2005 2:29 pm) http://www.fair-debt-collection.com/SOL-by-State.html Nice try, though. |
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I was trying to find some information on my warranty on the internet and ran across this message board. The dealer is giving me the run around on fixing my 2002 Honda, that needs a $950 part, I bought the Smart Choice 2000 --100,000 mile warranty. The service manager keeps saying he faxed my information to the company because they couldn't find it on their computer and will call me as soon as they decide if the part needed is covered---even though when they sold me the contract is was supposed to be bumper to bumper. Now I know, the service manager is telling me a bald faced lie and I'm mad as hell. I will be in contact with the management tomorrow and may sue in small claims court if they don't reimburse my money for a worthless contract and fix my Honda, will let you know of the outcome.
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