January 24, 2009

State Sues Certain Sansone Dealerships

State sues certain Sansone dealerships

Complete story


Sansone Ford Lincoln Mercury
Sansone Dodge in Ocean Township
Sansone Chevrolet
Sansone's Route 1 Auto Mall in the Avenel section of Woodbridge

According to the story the Sansone Dealership failed to disclose the condition of the vehicles

The Ag's Office was quoted as saying

"There is no doubt that consumers would want to know and must be told about prior damage to, and fleet or rental use of, a vehicle that they are considering for purchase,"

To be fair to Sansone and the Ag's Office the law in each of these areas need to be addressed specific posts.

What are the laws on damage and disclosure?
What are the laws on Consumer Fraud?
How is the State lawsuit by AG different than a normal persons civil lawsuit?
What is a consent order and how does it affect Sansone Dealerships?

How can I get a copy of the complaint?


There is a presumption of innocence because the State has to prove a case like any other plaintiff and until proven these are only allegations are only that. I am certain the allegations are denied by the lawyers and the dealers involved. This is why we have trials to make these determinations of innocence or non innocence.

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January 11, 2009

Credit Card Companies - New Rules To Help Consumers

Credit Card Companies - New Rules

For years the credit card companies have implemented RULES when the credit card agreement was signed that were onerous at best. With the economy failing the Board of Governors has changed the playing filed to help the consumers and the changes are significant.


New Rules


More time to make your payment

Paying off higher interest rate balance first

Prohibit increased rates for that would be deemed penalty rates

Two cycle billing for balances

Firm offers of credit


These are significant changes but they do not take effect until 2010


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November 14, 2008

Wachovia Corp Settlement

Wachovia Settlement

It appears that Wachovia Corp settled for up to $125 million for the following

The telemarketers then used that information to write checks to themselves, purportedly from the consumers they had called. These checks did not require a signature from the accountholder; instead, the signature block included text such as "authorized by your depositor, no signature required."

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November 9, 2008

New Jersey Division of Consumer Affairs

New Jersey Division of Consumer Affairs

The State has a great site dedicated to Lemon Law in the State of New Jersey.

There is a list of publications at the Division of Consumer Affairs site.

File a complaint

Licensing Board information.

Division of civil rights

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September 27, 2008

Estimated Maintenance Costs for Cars

Estimated Maintenance Costs.

This site is worth a book mark. You can find all of the maintenance needs for a car and how much this will cost over the life of a car. It also has technical service bulletins and recall info


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September 25, 2008

Car Salesman Code Words

Car Salesman Code Words

Car Salesman have code words for many situations and they are not flattering. Most imply that are maximizing the profit or poor negotiating skills of the salesman. They are real.


(from edmunds.com)
Be-backs - A customer who leaves the car lot promising to return later, saying, "I'll be back," or some variation of that statement. "The guy was a be-back. But I think he meant it. I'll see him again."

Boss - The typical way that salespeople address the managers or the GM. "Hey boss! Got a deal for you!"

Bumping - Raising the customer's offer for a car. "If Mr. Customer says he only wants to pay $250 a month, just say, 'Up to -- ?' He'll probably bump himself up to $300 without you doing anything."

Closer - An experienced salesman who is brought in to "close" the customer by making them agree to a deal. "If I worked with a better closer I'd have more units on the board."

Desk - This is the sales manager, not the place he sits. "Ask the desk if these rebates are still in effect."

Demo - This is the test drive. "This guy comes in, demos the car and I think he's ready to buy, right? Then he tells me the car's for his wife and he can't make a decision without her."

F&I - This stands for the Finance and Insurance office where the documents are signed. The F&I salesperson usually will push products such as extended warranties, fabric protection and alarms. "The wait for F&I is two hours. Better stick with your customer so they don't leave."

Full pop lease - This is when a vehicle is leased at 110 percent of the sticker price - the highest amount allowed by most banks. "I got them into a full pop lease. I'll get a nice voucher for that."

GM - The General Manager. The GM is the head honcho at the dealership. He runs the business from day to day. "The guys were standing out on the curb drinking coffee so the GM called them into the tower and read them the riot act."

Green pea - A new salesperson. "The funny thing is, green peas can outsell the veterans. That's because they don't know how hard this job is."

Grinder - A customer who negotiates for hours over a small amount of money. "We were only $500 apart but the guy wouldn't sign. Man, what a grinder."

Lay down - A customer who takes whatever deal the salesperson offers. "I quoted him monthly payments of $575 and he took it! I wish all the customers were lay downs like that."

Mini - The commission on a deal where the car was sold at close to invoice price. "Sure, the deal was only a mini. But I qualified for a weekend bonus and made a grand."

Mooch - A customer who wants to buy a car at invoice. "People are spending too much time on the Internet. It's turning them into a bunch of mooches."

Packing payments - Adding extra profit to the cost of a car. "This place I used to work got busted for packing payments. Next job I get is going to be in a no-haggle store."

The Point - The place on the car lot where the "up" man stands looking for customers. "The GM saw me standing on the point with my hands in my pockets. He went ballistic and sent me home for the day."

Pounder - A deal with $1,000 profit in it. "Doctor comes in and buys the top of the line model, fully loaded - and he pays sticker! That'll be a two pounder for me."

Rip their heads off - This describes taking a customer to the cleaners. "I stole their trade in, I sold them the car at a grand over sticker - I mean, I just ripped their heads off."

Roach - A customer with bad credit. Not to be confused with the "roach coach" (see entry below). "The guy looked good. But we ran his credit and he turned out to be a roach. We're talkin' a 400 credit score here."

Roach coach - The food truck that comes around to the dealership every day. "I should've known better than to eat that chili from the roach coach. My stomach's killin' me."

Spiff - A tip, kickback or payment of any kind, usually cash which is handed between salespeople. "I spiffed the F&I guy $20 bucks and he took my customers first."

Strong - This has a special meaning on the car lot. It means holding firm on your price and being a tough negotiator. "When they ask for your price you have to be strong. Hit 'em with high payments, then scrape them off the ceiling and start negotiating." (See also "weak.")

Tower - The office where the sales managers work. This is usually a raised platform allowing the managers to see over the roofs of the cars so they can watch customers and their salespeople. "Attention: All new car salesmen report to the new car tower!"

Turn over - Also known as "turning," this is the practice of passing a customer from one salesman to another. It is thought that this will prevent customers from leaving the car lot. The theory is that the customer might just have bad chemistry with the first salesman and he might like the next salesman. "I turned this guy to my partner and he wound up buying. I'll get half of the commission on the deal."

Up - A customer that walks on the car lot. The term probably comes from the order in which customers are taken, as in: "I'm up next." Many dealerships also have an up system. "We've got ups all over the lot, and you're in the back drinking coffee?!"

Voucher - Car salespeople receive a voucher to let them know what their commission was for selling a car. They don't know until the deal is finalized exactly how much they will receive. "Check out this voucher. I thought I had a pounder. Instead it's a mini."

Weak - This describes being a weak negotiator or coming down too quickly on price. "The guy was weak so he only lasted a few months. How are you going to make money in this business if you give away cars?"

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September 25, 2008

New Jersey Agencies

New Jersey Agencies

This a listing of all New Jersey Agencies and a ling to their homepage. Very Useful.

List of agencies

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September 16, 2008

US Food and Drug Association: Consumer Issues

US Food and Drug Association: Consumer Issues

Potential Signals of Serious Risks/New Safety Information Identified by the Adverse Event Reporting System (AERS) January - March 2008

The FDA has recently published a list of drugs that it has been watching that might possibly have issues with side effects. To be very fair the FDA specifically states the following:


It means that FDA has identified a potential safety issue, but does not mean that FDA has identified a causal relationship between the drug and the listed risk

What is the point of this "list" because its not fair to the companies who have sold these drugs and not fair to the consumers who are taking these drugs. The FDA has said here is a list and it means nothing one way or the other. Why bother at all!

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September 13, 2008

United States Code

United States Code

If you need access to the entire United States Code. It is very well organized and also searchable. I highly recommends this site for you use.

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September 7, 2008

Wards Online

Wards Online

There are several online resources for those in the auto business. Wards is as good as nada.org. The are article on current issues in the car business:


GM’s Lutz Calls for Break on Crash-Testing in U.S.

Ultra-Low-Cost Cars Pose Opportunities, Risks, Study Shows

Wards Special Reports

This site is worth a look because it says a lot about the big dealerships and how much money they make in finance, service and just selling cars.


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September 4, 2008

Odometer Roll Back

Odometer Roll Back

The Star Ledger reported that a man admitted to odometer fraud in Federal Court on a case that has been pending since 2004.

In 2004 the FBI arrested 17 in a ring that was alleged to have been rolling back odometers.

It was alleged that:

Robert FIORELLO was the financier of the following businesses and as the leader of the Criminal Enterprise, directed all activity in this illegal operation;

JPF AUTO SALES, Bloomfield, NJ
SEMI MOTORS, Garfield, NJ
TRIBUTE AUTO SALES, Bloomfield, NJ
MJS AUTO SALES, Bloomfield, NJ
RP AUTO SALES, Keansburg, NJ
BLOOMINGDALE MOTORS, Bloomfield/Bridgeton, NJ

The enterprise was purchasing cars and rolling the odometers back by hand and by using a computer. The cars would be resold for a higher amount due to the lower mileage.

Odometer roll back

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August 15, 2008

Direct Buy Complaints

Recently I have received some calls form Direct Buy customers complaining of the terms of the membership. What is going with direct buy customers? Just do a search of Direct Buy and complaints and the results are amazing.

Look at the compilation site. There is extensive information of complaints against Direct Buy.

This link addresses the complaints complaints against Direct Buy.

Complaints maintained by Ripoffreport.com

I am certain that direct buy would deny that they are doing anything improper and the existence of a complaint does not imply they are doing anything wrong.

July 20, 2008

Automotive News Web Site

If you want to follow the automotive industry and all the goings on you should visit this site

June 28, 2008

Legal Technology - Site of the Week

There is a great legal technology site. It is a blog and it is fantastic and very useful to lawyers and non lawyers alike.

BLOG

I read this blog on a regular basis and frequently use the information.

April 24, 2008

Trial Lawyers for Public Justice (Site of the Week)

This site is fantastic for both lawyers and the public alike. There are up to the date legal headlines and also legal research on all major issues including defeating mandatory arbitration clauses, preemption and civil rights. This is a site you should bookmark if you are either a lawyer or have a consumer issue that you are following.

April 19, 2008

Kelly Blue Book (Site of The Week)

Kelly Blue Book is a great site with a ton of information on all cars including pricing and features. It provides trade in values and also retail values in many three conditions.

April 2, 2008

National Consumer Law Center (Site of the Week)

I have been a member of the National Association of Consumer Advocates for almost ten years. I have learned much from this organization. They provide exert witness services and they have an entire set of books dedicated to consumer law. They have provided assistance to major litigation projects throughout the entire country.

March 26, 2008

National Automobile Dealers Association

This site provides significant insight into what is going on in the automotive industry. There are statistics that explain where the dealers are making money: New car, used cars and service department. It counts the dealers in each state and explains. The NADA data section is worth a quick look.