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Yesterday after several emails and phone calls I struck a verbal deal with a dealer in Coldwater MI for an 07 RSV blue/raven for $13,679 plus a doc fee of $160 and tax or course. Now this was contingent to financing which was no problem. I have a fraud alert system on my credit so that no can look at it without my permission. After getting approved I called the dealer several hours later to see where things were at. The salesman had NO idea and said he was waiting on a fax from the fraud system that on my credit. So that was yesterday. Now move foward to today. At about 10:00 I called the salesman to again to see where things were. Guess what, he again had no idea and said he was still waiting for a fax. Well I had to go watch my daughter soccer game which was over at 15:00. I called him back just to hear him say he was waiting for the fax. At this point as you can guess I'm getting a little steamed. I asked him what kind of fax are you waiting for and what can I do to help. He say's I'm waiting for a fax to see if I was approved. I explained to him I was approved yesterday and that he shound have know this. He tells me he would get with the F&I guy and call be right back, which he did to tell me I was approved (no kidding). He then wants my credit card number to hold the bike. Before I would give him the number I of course wanted to know what the terms were that the F&I guy had come up with, well he had no idea. I had to leave to go to work and told him I would call back when I got to work to see what the terms were. I called him back at 17:45 to hear him say he did not know the terms but I could speak with the F&I guy to get them. So the F&I guy got on the phone to tell me he was able to get me a $212mo payment. Well ok that about what I was looking for. Now for the terms. 96 month at 9.99% ya right like I'm going to do this. I'm like "you got to be kidding me". I explained to him according to my math and my credit score of almost 800 I should be able to do 72 mo at 7.99 with a payment of just under $200 with my down payment several grand. So he re does the math at 72 7.99% and comes up with around $250 mo. I then ask him how much $$ he was trying to finance, thinking he foget about my down payment. $15,461 was his number. Why so much you ask when the sale price was $13,679. Heres why $425 frt fee, and $372 set up and a few other charges. And thats not the clincher the bike a several 1000 mile on it the the salesman forgot to tell me about. Needless to say I killed the deal on the spot. I thinks I'll go test ride a goldwing next week.
