Saturday, 14 November 2009

New Jersey Lemon Law Lawyer Blog - Buying a Car and Consumer Fraud, part 1

 

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Buying a Car and Consumer Fraud, part 1

Buying a Car and Consumer Fraud

Many consumers confide that buying a vehicle is one of the worst experiences of their life. Frequently, they come into my office and they are embarrassed and ashamed of the situation in which they have found themselves.
When one understands how a car dealership sells cars, there is a complete understanding of the circumstances leading to a vehicle purchased and there should be no reason to be embarrassed. Quite frankly, people do not understand the extensive processes at work when buying a car. Actually, the appropriate statement would be most people do not understand the processes at work used by a dealership to force the sale of vehicles. This process has been honed for many years for which the dealership employees at all levels have been trained. All levels of dealership employees including salesman, sales manager, finance and insurance managers, general managers and other owner representatives have been extensively trained in the process of selling cars.
The process starts in the advertisement. Nowadays, the internet, in my opinion, has overtaken the use of newspaper advertisements. This is step one to get interest in a vehicle whether it be through the internet or through newspaper advertisement or TV. The next step is to get the person into the dealership when they can use their training and skills to 'convince' a potential purchaser to purchase a vehicle. There are many tools that they use to gain a consumer's confidence and trust the dealership representatives in the sales process. However, this is completely phony and consumers need to understand that they cannot trust these representatives in any way, shape or form. These representatives are using this trust as a coercion factor to get them to purchase vehicles.


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Wednesday, 11 November 2009

New Jersey Lemon Law Lawyer Blog - NEW JERSEY DIVISION OF BANKING AND INSURANCE

 

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NEW JERSEY DIVISION OF BANKING AND INSURANCE

The New Jersey Department of Banking and Insurance is an excellent resource for most consumers. The department's main offices are located at Mary Roebling Building at 20 West State Street in Trenton, New Jersey. The mission of the Department of Banking and Insurance is regulation of banking and insurance in the real estate industries, to protect and educate consumers and promote growth and financial stability. The site provides a host of consumer information in the insurance industry, personal finance industry and real estate industry. There is an entire section for consumer inquiries and complaints. There are online forms for filing a formal banking complaint, online forms for filing formal insurance complaint and online forms for filing real estate complaints. The fax is 609-777-0508.

There is the Division of Banking which consists of two major units such as the Office of Consumer Finance and the Office of Depositories. This department has the ability to issue cease and decease orders as an example for the order issued against Taylor, Bean & Whitaker Mortgage Corporation. There is an entire insurance division which regulates insurance companies throughout the State of New Jersey. There is a list of hot topics on the site which indicate proposed acquisition of Health Net of New Jersey by Oxford Health Plans, limited benefits under New Jersey Health Plan Benefits, issues with regard to personal injury protection and various other items including Federal Stimulus for New Jersey Groups Not Subject to COBRA.

There is an entire real estate commission in the Division of Banking and Insurance to enforce New Jersey's real estate licensing law. There is an entire section to research and find banking insurance and real estate licenses. There is an entire section for rules, orders and bulletins, and the applications and forms for those including motor vehicle installment sellers. According to the consumer inquiries and complaints section on the website, you may contact the unit in several ways by telephone, web, mail, fax or in person. Then, a tracking number is assigned for inquiries or assistance of filing a complaint. The phone number is 609-292-7272 or hotline of 18004467467. The mailing address is NJ DOBI, P.O. Box 471, Trenton, New Jersey 08625-0471.


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Monday, 9 November 2009

Provide your service to one of the fastest growing communities today.

View this email as Webpage

Attorney
www.gayrealestatedirectory.com

We need knowledgeable, Attorneys, pest control services, electrician,  professional gay or gay friendly real estate agents, Home Decorating Services, brokers, mortgage lenders, home appraisers, insurance agents, and home inspectors who would look forward to serving our gay community.

 

One of today’s fastest growing home owner market segments is our gay family communities. They are highly motivated, successful and very influential members of our American society. They have the means and the need to secure loans and purchase homes in some of the wealthiest communities. They are searching for likeminded as well as opened minded business professionals to help them achieve their life goals. We believe that with the recent court rulings, the legalization of gay marriages in some states, that our gay communities will begin flourish even more. This is creating a large demand for more service professionals to help service our gay brothers and sisters in fulfilling their American dream. If you are the type of service professional that can embrace and accept their needs, wants, and lifestyle, we invite you to become a working part of our community.

 

We need representation in all of the major cities to service our gay communities. Our future gay homeowners would like to view your website listings and possibly find their special dream home. They would also like to secure the services of all the professionals who are a part of the process in securing and protecting their dream home. 

 

Our gay community website has already moved up to the first or second pages of Yahoo, Google, Lycos Pro, AOL, & Netscape, just to name a few of the top search engines. You will find us there under terms like Gay Inspection Directory, Gay Real Estate, Gay Real Estate Agents, Gay Real Estate Listings, Gay Real Estate Directory,  and many other search word phrases.  As you can see, we work very hard to provide the Gay Community with a unique gateway access to some of the Top Real Estate Professionals and Brokers in the country. We want them to feel comfortable that our real estate professionals understand their life style and will be focused on their specific needs and goals in finding their next dream home.

 

We also believe we have a very fair and competitive pricing structure. We don’t request an exorbitant premium to be listed on our directory, nor do we demand a portion of your commissions, like some other gay sites do. Please take a moment and check out one of our city ads to get an idea how your ad might look. Check out the address below.

 

http://www.gayrealestatedirectory.com/florida/tampa.htm

Submitting your site to online directories is an easy and a efficient way to help drive targeted consumers to your website. People will find you on our internet site and be given a path to go directly to your website. This not only brings visitors to your website, but it also provides a direct path for search engine "spiders" to find your website and index your pages within their results. This also gives you valuable, one way, inbound links which will help your page rank on all search engines. We do all of this for you so you can focus on closing your real estate transactions and taking care of your client base.

 

For an annual fee of $80.00, (US Funds) you can have two advertising positions on our site (more if desired) and all the advertising exposure that goes with it. We not only include your business address, e-mails, telephone and cell numbers; we also create a direct path to the home page of your personal web site. We include a personal photograph if you so desire and you may write a small paragraph about the unique services that you will be offering. In case you don't have a web site, this will give you internet exposure on the World Wide Web. You can enter the home page of our site at  http://www.gayrealestatedirectory.com/

 

To share your professional services with our visitors, all you need to do is to go to this address http://www.gayrealestatedirectory.com/register.htm and fill out the required form. Once you have completed the form, hit submit at the bottom of the page which will take you to Link Point Central Secures Billing processing service, there you may complete your transaction.

 

Gay Attoroney Service Directory, we take PRIDE in servicing the Gay community.





Universal Real Estate Directory
513 Curlew Circle - New Smyrna Beach, FL 32168 US

Thursday, 5 November 2009

Lemon Law Blog - Defect Alert- Sudden Acceleration Problem in Toyota & Lexus Models

 

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Defect Alert- Sudden Acceleration Problem in Toyota & Lexus Models

As ABC News is reporting, owners of Toyota cars are rebelling over a series of more than 200 accidents caused by sudden acceleration. Safety analysts have discovered more than 2000 instances among...

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Tuesday, 3 November 2009

Lemon Law Blog - Ohio Lemon Law Explained

 

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Ohio Lemon Law Explained

We continue our “Get To Know Your Lemon Law” series with the Ohio Lemon Law.  The Ohio Lemon Law applies to new cars, noncommercial motor vehicles, motor homes and recreational vehicles...

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Friday, 30 October 2009

SoCalLemonLaw.com Blog - US News & World Report: 5 Used Car Flags

 

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US News & World Report: 5 Used Car Flags

Hello Readers,

Today’s online US News & World Report contains a good piece on five definite warning signs of bad cars. It’s worth reprinting and reading. Here’s the article…

If only cars could talk. It would make the buying experience a lot easier, wouldn’t it? Because verbalized or not, every used car has a story to tell. And to avoid getting ripped off, it’s up to you to listen. You need to know about the skeletons in that car’s closet, the dark secrets of its past.

There are so many problems that can hide easily under the surface — accident damage, a counterfeit title, failing mechanical parts. It’s not as if you’re marrying the car, but you are making quite a financial commitment. Wouldn’t you rather find out about these red flags before saying “I do” and plunking down your hard-earned cash?

With this list of warning signs, you’ll be able to make your next used car purchase confidently — and if you do find “the one,” we’ll bet the relationship won’t end in a messy divorce.

Red Flag #1: No Service Records

One of the most important aspects of a used car is its maintenance history. You want to make sure you’re buying a vehicle that has had routine oil changes and major mileage services. Always ask the seller, even if it’s a car dealership, for all service records. If they can’t provide those for you, you have no way of knowing if the car has been maintained properly. In addition to asking for records, look for a windshield sticker indicating when the car’s next oil change is due. If there’s no sticker or it shows an oil change is past due, ask why.

Red Flag #2: Vehicle and Accident History Issues

A vehicle history report is essential for any car purchase. You can ask the seller or dealership for the report or access it yourself online using the car’s VIN (Vehicle Identification Number). AutoCheck charges $19.99 for a single report or $29.99 for unlimited reports for 60 days. The report shows accident/damage history as well as title problems, frame damage and an odometer rollback check — any of which should be deal breakers.

Red Flag #3: Mechanical Problems

A quick look under the car can reveal fluid leaks, but unless you’re an expert, you’ll need to have someone else do a thorough inspection to make sure it’s in good working condition. A PPI, or Pre-Purchase Inspection, is performed by a neutral third party (such as a certified mechanic or automotive technician) and costs about $100 to $200.

The inspection is a detailed assessment of the cosmetic and mechanical condition of the vehicle. It is an invaluable asset since it can alert you to problems, maintenance issues and even frame damage hiding under the surface. The mechanic should put the car on a lift to check undercarriage components. Make sure he or she also uses a paint meter gauge to catch any re-painted body panels — which mean the car may have been in accidents that weren’t reported to the insurance company (if they had been reported, they would show up on your AutoCheck vehicle history report). Choose the party who will perform the inspection, rather than going with someone recommended by the seller. Ask to have the results sent directly to you.

You may be tempted to skip a PPI, but it’s almost always well worth it. You’re making a large investment in a vehicle, and the price of the PPI is only a very small fraction of that. If any problems the PPI shows are deal breakers, you can walk away from the sale. If not, you can still use them to negotiate a better price.

Red Flag #4: A Problem Title

Your AutoCheck vehicle report will show any problem titles on the car’s record at any point in its history — everything from hail damage to fire damage. Most of these issues are red flags, but here’s just a sampling of those to avoid at all costs: Flood titles, which means the vehicle has received extensive water damage; salvage titles, which mean an insurance company has at some point declared the car a total loss due to sustained damage; and junk titles, which mean the vehicle indicate that a vehicle is not safe enough for use and the car cannot be titled again in that state.

Red Flag #5: A Fraudulent Title

A problem-free title doesn’t mean it’s valid. Criminals can create counterfeit or fraudulent titles and use them to legally register and then sell stolen cars. If you buy a car without a valid title, it’s the worst-case scenario — you don’t legally own the car you just bought.

The first step to verify the title is to check with the DMV. Usually, you’ll just need the car’s VIN number and may be charged a small fee (often these transactions require you to go to the DMV’s office). You need to make sure the VIN on the car matches the VIN on the title and the seller’s name matches the one on the title. This record check is also valuable because it will show any outstanding liens on the title, which means that the owner is still making payments on the car and doesn’t own it outright. This could complicate the sale later, especially if you’re buying from a private seller.

However, even if the title appears to belong to the seller, it could still be fraudulent. There are a few signs that may signify foul play. Play close attention if the vehicle was recently brought to your state and titled or if the VIN number on the car is obscured or shows signs of tampering. The title should look official, meaning it will be printed on special paper with watermarks (visible when held up to the light). All text, graphics and borders should be sharp, not blurred. If you can, compare the title with an original (perhaps from a friend’s car in the same state) and make sure the two look the same.

The Bottom Line

Checking for all these red flags may seem excessive, but they can save you time and headaches down the line. In the end, the PPI, AutoCheck vehicle history report, DMV records and seller should be consistent. If any of the information seems fishy, consider walking away from the sale. If any of the above warning signs do surface, you may not even want to give the car a second thought. It doesn’t hurt to walk away, but it can sure hurt a lot to buy a problem vehicle. Plus, with the internet, you can find virtually any car, anywhere. And as they say, there are plenty of other fish in the sea.


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Wednesday, 28 October 2009

EarthTrek Trilogy Volume 1: What is All The Fuss about Religion?

Dear Books Lover,


Here is a new book that may relate to your interest. EarthTrek is a trilogy about the search for Truth in human's journey on
the face of our beloved blue planet: the Earth.

EarthTrek Trilogy Volume 1: What is All The Fuss about Religion?

This first book in EarthTrek trilogy is a comparison study mainly between the three major monotheism in the world
(Judaism, Christianity and Islam). The conclusion is that all religions, be they monotheism or polytheism originally came
from the same Source. Some of the information in this book might be truly shocking for most readers, except for open
minded Truth Seekers.

In the meantime, please feel free to browse the information provided on websites below:

http://www.youtube.com/watch?v=X1Sr6-fKE3k
http://astore.amazon.com/wcmpress-20/detail/1439239304
http://www.facebook.com/group.php?gid=130921769401
http://www.earthtrek-trilogy.com