Law Office of Dana L. Manner, PL - Miami, Florida
Consumer Advocate Attorney - (305) 285-9495

February 7, 2013 USA Today “Confident Consumer” reporter Jayne O’Donnell published an article on Yo-Yo car financing entitled “Don’t Take Car Until Loan is Final” (pdf copy of article). The article highlights many of the problems surrounding spot-delivery of cars to consumers (i.e. cars are delivered “on the spot” with a promise from the dealer [...]

Chesapeake, VA – Car buyer Danny Sawyer was arrested when Priority Chevrolet reported that the buyer had stolen a 2012 Chevrolet Traverse, because the dealership mistakenly undercharged the customer, and the customer refused to sign a costlier contract, according to a report in The Virginian-Pilot Sawyer test-drove a blue Chevrolet Traverse on May 7 but ultimately [...]

After a year-long investigation into auto fraud by the Florida Department of Law Enforcement, 9 suspects (including a Miami Beach police officer) were arrested last month on September 7, 2012   related to a scheme to defraud Miami-area car dealers, for nearly a half-million dollars. George Robert Navarro, 26, a Miami Beach police officer, was charged [...]

10. Dealer Back End “Packing” and Add-ons In addition to financing your car, buyers will be offered or perhaps pressured into purchasing add-ons from a m”menu” that can inflate the profit to the dealer, and give little or no value to the consumer. These add-ons can be “GAP” insurance, credit life insurance, to VIN etching, [...]

Car buyer Garrietta Vereen sued dealer Lou Sobh Automotive of JAX Inc. d/b/a Honda of the Avenues in Jacksonville, alleging that the dealer violated the Truth in Lending and Equal Credit Opportunity acts, Uniform Commercial Code and the state’s retail sales financing law, in a spot delivery case. Buyer also alleged that the dealer violated Florida’s [...]

After an investigation of the now defunct Bill Heard Chevrolet CASE NO. L06-3-1135, the Florida Attorney General, in an “Assurance of Voluntary Compliance” agreement made the following interpretations about the law of spot deliveries in Florida: Pertaining to Spot Deliveries, Respondents [Bill Heard] shall comply with The Truth in Lending Act (TILA). 15 U.S.C. § 1601. Respondents will not [...]

A recent research report published by the Center for Responsible Lending entitled “Deal or No Deal: How Yo-Yo Scams Rig the Game against Car Buyers” examines the yo-yo scam used by car dealers.   “In the yo-yo scam, the dealer allows the customer to leave the lot on a spot delivery but pulls the consumer [...]

In a spot delivery, the car dealer enters into a contract to sell you the car, and to finance it according to certain terms and conditions, only to later claim that they were unable to assign the contract to another finance company, but want you to come back (i.e. the car dealer pulls you back [...]

A recent case in Florida’s 1st District Court of Appeals (Released for Publication March 6, 2012), illustrates the problems when Florida car buyers that enter into a “spot delivery” deal for the purchase of a vehicle. See: Lewis v. Morgan, 79 So. 3d 926 (Fla. Dist. Ct. App. 1st Dist. 2012). Escambia County Sheriff’s deputies arrested, [...]