I was led to believe that I was given a loan from a Bank in Louisiana because I received a welcome call congratulating me on the purchase of my new car from a woman who said she worked for the Bank. I came to find out after calling the bank where i was told I had gotten financed from that There was no record of a loan and to never call back again and was hung up on by the manager at the bank;

I was not given a copy of any of the paperwork that was signed for because i was taken to a totally different dealership to sign the paperwork. and after being there for 6 hours and getting back to the dealership where the car was originally being sold from I asked the salesman for a copy of the papework and he said not to worry I will be getting a copy, handed me the keys and left.

After about a month or so I began to wonder where my payment booklet from the bank was, so I  could make my first car payment.  I called the bank and a representative stated it should be arriving soon.  I called the bank several times over the course of the next month to follow up.  I was told each time to call back that it didn't show up in the system yet. Finally, I demanded to speak to a manager from the bank.  I was rudely told that there was no record of loan for me with this car and to not call back anymore and when I went to ask a question, I was hung up on. 

After we got back to the dealership the salesman tossed me the keys and left before I was even able to get into the car. I started the car and immediately a yellow service light lit up.  After making my way towards the LIE, the brakes did not feel normal.  As I continued to drive and when I had to brake, I had to press the brake almost to where it was touching the floor. I pulled over on the LIE and called my salesman and expressed my concern. He said the car was “serviced and it was all good”.  He told me “ not to worry”.  The following week the brakes failed, I lost control of the car and went off an exit ramp on the highway because of this dealerships negligence to service the car which caused almost $15,000 worth of damage. the dealership intentionally neglected to properly service the car before allowing me to drive off. Thankfully, no one was injured or lost their lives.  

I had to pay $1,500.00 out of my pocket for the insurance deductible. I was without a vehicle for over a month. 

I started receiving calls from my salesman threatening my life through voicemails and text messages.

My family here in New York started to receive calls and then my father and step-mother in Florida started to get calls. 

At the same time I was receiving the threatening messages I came  home from work one evening to find all four tires slashed. I was constantly looking over my shoulder leaving work and when arriving at home.  I was scared to enter my house not knowing if he would follow through on the threats. My family was scared for my life. After going to the police, I was advised to not go near the dealership / salesman and park the car in the driveway and not drive it and that is what I did. Not only because of the threats and circumstances but also because I came to find out that I was driving the car with license plates that were registered to a Honda.  I had no idea this whole time that the plates I thought were registered to my Audi, a vehicle I thought I had purchased from the dealership and financed through a bank, belonged to another car registered in NYC. I found out there was no title to this vehicle in the state of new york, the registration was not even a temporary registration for the car because there was no title on file with the state of ny to begin with. 

I found out the car was purchased from an auction in Pennsylvania on July 23, 2015. 

The car was inventoried on July 27, 2015. 

According to the carfax report, the vehicle was not “inspected” until 1 year 4 months later on November 17, 2016.  Coincidentally, the same date that late night when I signed and was given the keys on. 

Why did it take so long to list the car for sale ? Where was the car for 1 year and 4 months after it was purchased at the auction. When I was younger, around 18 years old, I worked at Nissan in Garden City prepping vehicles for deliveries. Although I was not in the sales department, I had come to learn that one of the main top goals that Car dealerships want is to not have inventory sit and have the vehicle sold and off the lot as quickly as possible, to make room for more vehicles as this results in more money.

Right before the car was brought to be listed for sale at an Auction in Pennsylvania by the previous dealership in Ohio, , the vehicle was in an accident (made aware from a carfax report I obtained on my own in April 2017) which listed front end damage to be moderate to severe. This was not disclosed to me, I was told by my salesman that the car was “ in perfect condition” and that “there were no accidents” 

I was in an accident because the dealership's negligence and failure to service the car properly and knowingly allowed me to drive a car that you claim was safe, repaired for safety  and went through a final pre-delivery inspection is facially and demonstrably false. This false claim could have had much more serious consequences for the motoring public.  the dealership failed to disclose information on the vehicle's past collision. The failed to provide an inspection report. 

After years of emotional distress and turmoil, I recently came to find out that you

(and automobile dealerships at that time, almost 7 years ago),  intended to use a sales tactic what is known as:

“ Yo-Yo Financing”. Yo-yo financing, also called spot delivery, is a tactic where a dealership tells you that you’re all set for auto financing and you’re able to take the car home – before the financing paperwork is actually completed. 

A few days later, or a few weeks and even over a month later the dealership may call you to let you know that “your financing fell through, you need to come back up here to figure it out.”

A consumer may be told that they were denied the auto loan, and now things need to be changed in order for them to keep the vehicle. Often, once a consumer returns to the dealership, the car loan they originally applied for (and told they were approved for) is renegotiated. Many times, it means getting a higher rate or monthly payment than what they were originally slated for.

Spot deliveries are often called a scam.. 

this dealership concealed the finance terms and created falsified and deceptive loan documents.  They didn’t initiate a court case until November 30, 2018 almost two years after the "sale" of the vehicle and figured they would let time pass, because they knew you were committing illegal and unethical sales practices. 

I had every intention to pay for the car. I did not initially bring the car back to the dealership because I was in an accident and the car was at a body shop for a month. And then shortly thereafter, before I even got the car back from the body shop, I started getting phone calls and receiving threatening voicemails and text messages from my salesman, threatening my life.  My mother and sister started getting calls and then my father and step-mother who reside in Fla. started getting calls and being harassed by this delaership and iived in fear for well over a year, looking over my shoulder and even would be afraid to enter my home alone when I came home from work at night, wondering if someone would jump out and attack me.  I was advised by the 4th precinct police department to park the car and not to drive it and not to have any contact with the salesman or the dealership until the matter was addressed in a courtroom setting;. and this is what I did. To this day the car has not did moved since 2017 from where it is parked, in my driveway today.

This dealership is suing me for 25,000. they are stating that this is the price of the car was sold to me. The price that i signed for was 15,500. minus my 500 deductible. Which they have not produced the original sales contract to the court because if they do they will be caught lying therefore they produced a unsigned, inflated false contract that neither of us signed. I am representing myself. Over the years i came to find out what the dealership did to me there were other used car dealerships doing the same thing to other innocent victims across the tri state area. Only thing is I didn't find this out until years later. The state attorney general has prosecuted several used car dealerships for doing this type of fraudulent sales activities.

this dealership wrote in the summons and complaint that I took the car for a test drive and ran away with it.

no joke that is the words of the dealerships attorney in the summons and complaint.

so they cannot produce the original sales contract that was signed by both parties, but they do have a OHIO certificate of title because the dealership purchased the car at at an auction in Pennsylvania. The transferee/buyers acknowledgement of the odometer certification is not signed as well as the sale price of the vehicle is not disclosed by both the auctioneer and the dealership. By law they are required to state the true selling price of the vehicle.

i have learned over time and after realizing that what they did to me that they have done the following in terms of illegal practices:

VIOLATIONS of the Motor Vehicle Dealer & Transporters Regulations

Regulations of the Commissioner of Motor Vehicle that this dealership did:

Part 78.8 Sales away from premises.

Except otherwise provided, a dealer shall make all sales at the registered place of business.

Part 78.13 Additional documents required at the sale of a vehicle

Invoices or bill of sale.

Subsection 1. On the sale of every vehicle the dealer must issue to the purchaser a bill of sale or an invoice.

b) Used vehicle certification (required by section 417 of the vehicle and traffic safety law)

Subsection 1. The dealer certifies that the entire vehicle is in condition and repair, under normal use, satisfying an adequate service upon the public highway at the time of delivery.

Subsection 15. Brakes .

Part 78.20 Issuance of Temporary Certificates of Registration (Vehicle and Traffic Law 420)

A dealer must enter on the temporary certificate of registration the number of the plate to be transferred. 

UDAP STATUTE(s): Executive Law 63 (12) that this dealership committed

UNFAIR & DECEPTIVE ACTS OR PRACTICES IN FINANCING IS PROHIBITED BY STATE AND FEDERAL STATUTES. The FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND CONSUMERS MAY PROSECUTE VIOLATIONS AND SEEK DAMAGES AND FINES.

VIOLATION OF COMMON LAW FRAUD

VIOLATION OF TRAFFIC LAW 415

VIOLATION OF TRAFFIC LAW 417.A

VIOLATION OF THE TRUTH IN LENDING ACT & REGULATION Z.

VIOLATION OF THE CONSUMER LENDING ACT & REGULATION M.

VIOLATION OF THE GENERAL BUSINESS LAW Chapter 23 Article 3 (d).

6 RCNY 2-103(i) SELLING VEHICLES FOR MORE THAN THE ADVERTISED PRICE.

NYC CODE 20-700 CONSUMER PROTECTION LAW / ENGAGING IN DECEPTIVE TRADE

PRACTICES.

this dealership outright committed fraud in the following ways:

Made false representation of material facts.

the dealership knew the representation was false and was ignorant of its truth.

the dealership intended to induce me to act.

I suffered foreseeable damages caused by false representation.

this dealership committed fraud because they knew at the time the representation was false.

this dealerships Illegal and Unethical practices were Egregious.

I have suffered almost 8 years of emotional distress, severe anxiety, worry, fear and frustration.

Predatory deceptive acts and practices that the dealership intended to commit misrepresentation

__________________________________________________________________

$500 deposit placed on vehicle.

$1,500.00 insurance deductible paid out of pocket for a car accident resulting from Sunrise Autolands failure to service the car, before letting me drive, knowing the car was not safe.

$1,218.78 repair order for replacement of the brake system.

$7,356.80 Monthly Automobile Insurance paid to GEICO for car insurance from 11/15/2016 - 09/24/2019 for a car that I drove for a few months.

TOTAL MONIES : $10,575.58

Purchase price: $15,548.65 less $500 deductible = $15,048.65

I have civil actions and any applicable damages in relation to:

Fraud, Negligent Misrepresentation, Conversion, Civil Theft, False Advertising, Unfair & Deceptive Trade Practices, Illegal and Unethical Practices, Unlawful Conduct, Aggravated Harassment of myself and family and Substantial Emotional Distress.

this is pretty much the short version of it all. but you get the picture. I am seeking outside views other than my own because I am trying to see an outsiders perspective on this situation. Thank you very much

https://www.governor.ny.gov/news/statement-governor-kathy-hochul-53

Gilead.

I see so many options for getting my birth certificate it's confusing. I'm trying to get my passport which I believe I need a certified long form certificate.

I was planning to get copies from my city but I would like to know if they issue certified copies before I drive for hours for nothing lol.

Thanks in advance

My wife and children all rely on Medicaid since we both work lower income jobs. I know NY has a lot of protections in place from federal changes, but I’m sure we’ll still get rocked pretty noticeably if/when the annoying orange follows through on his BS.

I have to work at both NYP-Queens and NYP Manhattan, where should I look for housing that would have the least complicated commute?

I was driving on the I-90 near Victor and got pulled over. The cop told me that I was going 86 in a 65, but he would let me off easy and just give me a ticket for not turning my hazards on while being pulled over, Section 1163 E. This was my first time being pulled over and I wasn’t even aware that was something you had to do.

Looking it up it seems like this ticket would be 2 points on my license. Would it make sense to plead not guilty and try to get it reduced in court in someway? I’m afraid because this is clearly a ticket given to let me off easy (How could I not put my blinkers on unless I was already being pulled over?) it may bring the fact that I was speeding to light? Is it better to just plead guilty and take the points and fine?

This is my first ticket I’ve ever gotten so I’m unsure how to deal with it. Sorry if this isn’t the right place for this question.

As you may have noticed, and as many of you have brought up, many subreddits have made the decision to restrict or outright ban the posting of links from the social media platform X (formerly known as Twitter). For anyone unaware, this is largely in response to the owner of the website, Elon Musk, having performed what appeared to be a Nazi salute while on stage for an event celebrating the inauguration of President Donald Trump.

​

Many state subreddits have already taken action to ban these posts, while others have been slower to action, our subreddit falling in the latter category. In order to ensure we are acting in a way that is best fitting for our community, this post includes a poll to gauge the subreddit's feelings on banning posts that link to Twitter/X. Please feel free to cast your vote below and feel free to share your opinion and feelings on the issue in the comments. The survey will be open for 5 days, closing on January 27 (or earlier if things get out of and and/or there is a clear consensus).

It is important to note that the intention of this poll and discussion is not to dictate the decision to ban or not ban but, rather, inform the decision of the moderation team about what steps are to be taken. Thank you for your consideration and participation.

A reminder though, keep the discussion civil and orderly, stay away from name calling or using slurs and offensive language.

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Its been over a week since i paid the violation, which i was never even notified about and i have ezpass too lol

That's not the issue anymore, the new issue is the registration is still suspended and there's no record to pay.
The DMV website says its suspended but when i try to pay online it says there is no record of suspension to pay.
It has been over a week since its been paid, no one can give me answers, i have no idea what to do from here

why is this system designed to ruin your life?
anyone know something that can be done

is ezpass just not communicating with the DMV? like what the hell

ive literally been driving with proof in forms of receipts that ive paid and done everything i could incase i get pulled over because like i have to drive to work

Has anyone noticed the continuously higher cost of their gas? I was outside the whole country and still got 90 dollars and they're claiming I used 13 therms, when the house was closed.