Action Motorsports

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Love the service department but I can't stand the finance manager; he is a pompous ogre. I felt a demonic force as soon as I crossed the threshold into his office. Apparently, the Suzuki 0% for 5 years offer does not appy if you are trading-in a motorcycle and the balance on the new motorcycle purchase is not to their liking. I went to Pete's Cycle in MD the following day and made the same deal with no issues at all. Why is that?

My experience with the finance department left me feeling as tho I had been the victim of a fraud. I make an above average income, moderate debt. I have a 725 credit score. I should qualify for first tier loan percentages. As I negotiated my “ loan “ and purchase price I made it VERY clear I will make a 40 percent down payment. I believed this was a conventional loan with a 36 month term. Because of the considerable distance from where I live to their store, I tried to be sure all details were worked out prior. I arrived 30 min. before closing so the deal moved along quickly. When I got to finance, my down payment was simply left out. I was told I can just make that the first payment.. um NO! With a conventional loan you make a down payment so your monthly payment is lower. This also means the dealership makes less of a percentage from the bank. When I forced the issue the loan officer begrudgingly put the down payment in the deal. He then proceeds to show me a copy of the various tiers of percentage rates. According to him I’m at second tier first rate.. ok… 12.9. That’s high in my opinion but, this is a luxury item. Like a boat or other toy you pay more. When I got the paperwork from Yamaha it’s not a conventional loan at all, it’s a credit card.. WTF? PLUS the percentage rate is 17.9? After a number of phone calls to Yamaha I’m told the dealership had sent in paper work saying I didn’t qualify for the percentage lower percentage “deals” they were offering.. um yea.. right.. BBB, States attorney, credit card fraud dept… here I come. Oh and get this.. the dope did this in front of another witness. PLEASE try and turn this into some kind of slander or other BS. I am SOOOOO looking forward to it!!