Exactly and that is why OP is a legend in my book. Either way, let me know what you think about this story in the comments. I'm very curious about your opinion.
And the next one is from r/ProRevenge and is titled how I got a car dealership to give my friend a newer car.
So, in around 2020 January, my friend made a stupid decision and bought a brand new car that he cannot afford. His insurance is like $400 a month. He makes like $10.25 an hour working as a shift supervisor at McDonald's and his car payment is now like $795 a month. Now, at $10.25 30 hours a week, that is a weekly income of about $300 a week or about $1,230 a month. So, yeah. My friend came to me for help because I used to sell cars and I know the industry pretty well and I go over his paperwork. Basically, the dealer did rip him off but my friend is now trying to find a way to get out of this mess. And by the way, ripping someone off is not actually illegal. They did of course overcharge him for the warranty and stuff and they gave him a higher APR. They had add-ons etc. but none of that is really illegal and I know the only way I can get my friend out of this deal is if they did something illegal.
So, I look at his finance application that my friend signed and it correctly listed his income, which turned a light bulb on in my head. And yeah, no bank is going to approve someone for a $795 car payment if they are only making $1,200 a month. It does not even make mathematical sense to do that. So, I start searching through his paperwork for the finance app the dealer submitted to the bank. You oftentimes when you submit a financial application at a dealership, the dealership will take the hand filled out application and reproduce it electronically. This is pretty normal to begin with. However, on the application the dealer submitted to the bank, the dealer said my friend was a GM of the McDonald's and made $70,000. My friend had good credit, so it doesn't appear like the bank asked for proof of income.
So, I go to the dealership with my friend and tell the sales manager that he's going to want to put me in touch with the GM because we are going to be unwinding my friend's deal and giving his trade-in back. The sales manager thought I was joking. The GM also thought I was joking. Then, I demonstrated how his dealership finance department committed bank fraud. I showed the GM the finance app my friend filled out, and I then showed the GM the finance app his dealership must submitted to the bank and pointed at the income difference. My friend really made $14,000 a year. The dealership claimed my friend made 70k a year. That is what you call bank fraud. That's a felony. Let's keep this simple, shall we?
The GM sees his dealership is in a load of trouble. The proof I'm presenting to him is actually rock solid. He knows it, I knows it, we are all on the same page, and he goes, "Okay, so what can I do to make this right?"
I go, "Unwind the deal, give me my friend his trade-in back."
Unwinding the deal is basically the GM agreeing to cancel the deal and basically erasing the deal and pretending it never happened. GM tries to avoid that, but I remain firm and remind him that we can easily take this documentation and turn his life in a living hell. And he knows I'm right. My friend also needs a car to get to work the next day, and the GM says he will check into it.
He comes back and tells me unfortunately they sold his trade-in already.
I said, "That's fine, unwind the deal and let's put my friend into something as good or slightly better than what he traded in for."
So, the GM goes, "So, he'll buy a car similar to his trade-in?"
I said, "No, you will give him a car similar to his trade-in."