JACKSONVILLE, FLORIDA -- I went to Coggin Nissan on Atlantic in June of 2007 wanting to trade in a 1996 Acura Integra. I inquired about a Pathfinder online. When I got down to the dealership, they showed me a bunch of cars that did not interest me and not once did they show me a pathfinder. They said it was outside of my budget, which they assumed because I was 18 years old at the time. They never asked me how much I made nor did they ask for a pay stub. They showed me more cars and I kept telling them I wanted an suv.
So he took me behind a chain-linked fence where they keep the cars that people have traded in. He showed me a 2003 Nissan Xterra that I really liked. It was dirty because it looked like it had been sitting there awhile. It had leather seats which I liked since he said most Xterras do not come with leather seats and that this was a special edition that was rare, which he was right about that. He asked me if I liked it and if this was the one. I asked him if I could test-drive the car. This is what he told me:" Well, the problem with that is its behind all these cars and we would have to move them and its just a hassle so I'll let you drive another Xterra." Me being 18 and nieve said, "OK." After I test-drove the other Xterra I decided that I liked it and still wanted the other one.
They took me back inside to sign a bunch of papers. I told him that I wanted to trade in my Integra for the Xterra. He said no problem. And I told him I had another car that my grandparents had given to me the previous year that was not drivable. And he said that was great. He went into his manager's office to discuss it with him. He then came back into his office where I was sitting and told me that they'd give me $1,000 for my Integra and $500 for my Celica. And I said that was fine. They sent me home to get the titles of both cars.
They told me I could drive the Xterra that I had test-drove. So I came back with the titles and signed them over. We finished the rest of the paper-work. But then the finance manager told me that they needed another $500 down because the bank had asked for it. I said no. And he said no problem. One of the things I now realize that they did wrong was have me sign over my cars before I was even financed.
When they gave me a copy of the contract that I had already signed, I looked over it and realized that my Celica was not listed but my Integra was liested as a trade in for $1,500 which was the total amount they were going to give me. I told them about this problem and they said I could go ahead and keep the Celica. I said OK. They let me drive home with the loaner car because my Xterra that I bought was going to get cleaned up before they gave it to me.
I had it about a week. Then I showed my grandparents the car and the contract and they Were very upset, along with my father, who almost had a heart-attack when I told him. They said it was all wrong and that I was to pay $380 a month for 6 years! My dad contacted his attorney. I went to his attorney in Fernandina Beach. I gave him my contract to look over. He had his assistant write a letter to Coggin about the problems. They said there was nothing I could do. But my father was still upset about the whole thing so he decided to go to the dealership with me and work out a deal. My father was so mad that he yelled at every single sales person and they basically laughed in our faces because they knew I was a young girl and they had swindled money out of me. We ended up with the same deal. I drove home with the car a few days later when my step-father gave me a ride to the dealership.
I have had the car for over a year now and I am working on a lawsuit with them. There is a huge Class-Action lawsuit against Coggin going on right now. I realized Some new things they did wrong. When I called my bank, First Florida Credit Union, and I asked to see my original credit application and my loan approval, they refused saying that there was a "discrepancy" in my loan. The lady on the phone also told me that it looked like there was a co-signer on the loan, which there is not. That is another red flag. Coggin must have somehow made a deal with the bank by either lying and forging a second signature or something else. I am investigating this right now. Car-buyers usually never see a copy of the loan approval because it has the sales man's commission listed on it and they don't want the customer to see it. But by law, I am entitled to see it if I request to. And they denied me that access.
I had no previous credit and no proof of income. There is no way I would be approved for an $18,000 car loan for 6 years unless the dealership somehow falsified my papers, which I believe they did. If anyone else has a similar problem with this company or any other major problem, I would like to know. And I do have an attorney that is working on the big lawsuit so if you would like to get the information on what you can do, ask me because I will tell you. And to anyone planning on buying a car from any Coggin store, DON'T. You will regret it!!!