Please advise on this matter.

[Grubbyrex]

Dear all, i would like to introduce myself as i'm a newbie in this forum, i only joined the forum before i purchased my golf gti mk5, everything seems to be ok, till recently, things starts floating out of standard equation, it's wrong.. very wrong i would say, so wrong that i will have to disclose this case that i'm going thru now, hence... i'm seeking advices here or if it's appropriate, seek address from a lawyer whom understand my situation at this moment, i shall begin then which i finally concluded the whole situation, with full black and write copies in original and photocopied form )

 

 

4/12/2011

 

I met up with Mr Andrew( from vagsg.com ) with intentions to place a deposit for the purchase of his vehicle, after a test drive, i placed a deposit of $500/- with a written letter with signature from Mr Andrew himself, following up was my agent ( Mr Ken ) who came to my place to fill up a sales agreement as followed:

 

4/12/2011

 

I called up my agent ( Mr Ken ) who works for a company with his designation as a manager whom i dealt with before for my other car which i currently still own, it was 20 months back, everything went so smoothly and he was so efficient with his work, everything was settled in his office and voila, car was handed to me in 2 days, a call from UOB was received and i clearly requested for a $60,000 loan.

 

We have a sales agreement which consist of the following:

 

Mr Andrew Particulars

 

My Particulars

 

address blah blah

car model: VW Golf GTI

 

Agreed price: $78500 ( the altered UOB statement reads $90,000 )

Less Deposit: $500 ( Mr Andrew covered with letter so no problem )

Less Loan required: $60000 interest @ 1.88% suppose to be total $66576 ( But it's altered to $65,000 @ 1.88% total $72,124 )

Downpayment: $18000 ( it's altered to $25,000 )

Add Advance installment: $952 ( actual $1031, credit agency paid 1st instalment, weird huh )

Add Insurance Premium: $2100 ( he claim AXA, only got to know now, the insurance that was dealt by the car company is a paper that cost me $2380 that won't cover anything should something happen, things that matters life and death is fake, doctored by the dealer or the insurance agency agent/broker )

 

Add LTA Transfer fee: $1745 ( it's fake, transfer of ownership is only $1148 which was done by the credit company, the boss told me himself that it's deducted from his GIRO, how come? )

 

Of which i came out with a company cheque of $4796 cash cheque (silly) for the payment of the advance installment, insurance premium and LTA transfer fee with faith and all confidence in Mr Ken ( has his signature on it ).

 

 

6/12/2011

 

Made my cashier order with DBS bank in the morning for downpayment;

 

delivery of vehicle was done on that day itself when Mr Ken presented the cheque from UOB Bank of $60000 at 4.30pm. vehicle was handed to me and i happily drove home.

 

13/12/2011 ( Document was dated 8/11/2011, i received it only 5 days later )

 

I received a letter from UOB bank stating i have a loan from UOB of $65,000 instead of the $60000, was home late, called the bank and they were having a maintenance hence unable to check either, and i received another Hire-purchase agreement from UOB stating i bought the car at $90,000. with $25000 as deposit and $65000 loan, i only have the pink carbon note with a really faded signature of my mother / Witness to hirer is Mr Ken/ a credit agency stamp and signature on it/ acknowledgement from UOB bank representative )

 

Informed Mr Andrew about what happened, he confirmed with total amount of $78,000 being deposited into his bank. (inclusive of the $500, everything was right)

 

Informed Mr Andrew to get a bank statement print-out which clearly says $78000 being deposited into his bank ( he sent to to me on 20/12/2011 as he's on holiday and assist me by contacting his bank to get all print outs )

 

16/12/2011

 

Called up Mr Andrew as i confirm something was wrong, very very wrong because i bought a car from a direct seller with assistance from Mr Ken, but however, there was another agreement from UOB which states a different story which goes like this:

 

Agreement from UOB

 

car price with accessories + coe: $90,000

cash: $25,000

total: $65,000

Interest:$7128.33

 

Called up Mr Ken and ask him what happen, his reply was: it's an honest mistake

 

21/12/2011

 

Made a report with the Police, however due to the poor description and tormenting 4 hours, they only manage to uncover 1/4 of the story, need advises if i am allow to make one more report for the cheating of my family in this whole thing:

 

insurance details:

 

Owner name: My mum

gender: male ( weird huh )

NRIC: my mum NRIC

marital status: married ( my dad passed away 3 months ago )

driving experience: 15 years ( my mum only got her 3a 5 years ago )

 

the whole thing is a mess... the car company boss and credit agency boss just ask me to pursue everything from Mr Ken and so helpful to testify against him if i need to, i checked everything thru, everything is wrong/ forged/ fake, please advise on the channels i can take to take actions, they were so into telling me a legal pursue isn't worth it, saying the sum is so small, i have to emphasize, THE CAR COMPANY DID NOT POST ME THE INSURANCE UNTIL I MET THE CAR COMPANY BOSS TODAY WHICH HE HANDED IT TO ME AND I FOUND THE PROBLEMS, EVERYTHING IS FAKE. 22/12/2011 )

 

 

 

 

 

22/12/2011

 

i met up with the agency people and the car dealer.

 

Everything was revealed, he work behind his own car dealership boss to make additional income by handing my case file to these car dealer and credit agency, what happen was he somehow manage to turn Mr Andrew car to this company in west coast and he in turn sold the car to me, meaning, instead of a proper deal of $78,500, arrangements between Mr Ken, The car dealer, the credit agency did something...

 

My car purchase value was marked up to $90,000 and the credit agency did a loan of $65,000. only know the insurance was so wrong when i saw the photocopy which they did not even mail to me after 2 weeks of purchase. now the insurance is a mess too... if something had happened in the past 2 weeks, that's it for me because the insurance definitely void and the car insurance was done by this particular car company. the credit company involved said everything in black and white.

 

Mr Ken Admitted he pass my company cash cheque of $4796 to a 3rd party ( his friend ) and Mr Ken is currently enjoying his holiday in Auckland, only to know i made a police report when his good friend, the car dealer informed him about a police case being made against him, he started to tell me he's going to die etc, he sms me with records in my phone that the car dealer will pass me the balance, why hand me any balance? that's weird, it's all in the records though, in my phone.

 

22/12/11

 

Meet up with Mr Andrew ( he was only back from a 10 days holiday yesterday even and kept following up with me on how's everything going)

 

right after meeting the car dealer and credit agency boss; Mr Andrew wrote a letter to reconfirm that the sale of the car was $78,500 and not $90,000 as claimed in the written UOB agreement, he even put in his address in London and local address, he was suppose to leave singapore yesterday, think they thought they could pull a fast one on me.

 

 

after doing some math and thinking, everything is clear now;

 

1) Car was considered consigned to the car dealer who fixed the $90,000 price tag with so called $25000 as deposit ( Mr Andrew wrote the letter to specify the deal is just Him and Me at $78500 )

 

2) Insurance contents are fake, credit company issued car dealer amounting $4553.50 for car insurance, car on 6/12/2011, UOB bank rochor issued Mr Andrew Dearman $60,000.

 

The UOB agreement states $65,000 loan was taken when whole actual amounting to only $64553.50, aint exactly bothered with the $446.50 that went missing but i am really keen to understand what's wrong but i'm heading to UOB HQ / ETIQA and CPIB directly later.

 

At least i understand why they didn't want me to see a lawyer over these, it's so dirty..

 

 

 

To Everyone here, i hope i ain't confusing anyone of you, for the legal experts that have gone thru my long boring note and have a further interest in my current situation, please contact me at Mobile: 91050003.

 

P.S Mr Andrew is willing to meet me up with a legal council in regards should i decide in pursuing this matter in court, because i am fully ready to stop this form of injustice.

 

As of 1 am, Mr Ken is in auckland telling me he wants to end his life there because he's finished when his car dealer friend told me i lodged a report, his 2 best friends wish to testify against him if i decide( i will ) to go to court.

 

 

Warmest Regards,

Gary Tan

Mobile: 91050003

[PSP415]

Bro,

 

It is messy and as there are obvious $ that went missing, e police may classify case as cheating or cbt and proceed with investigations.

 

Personally, wld suggest e folllowing for consideration :

 

1. Ken seems to b a key player in e whole saga. False insurance is a serious matter. You will best settle this part first by getting ride + yrself covered immediately, if nt already done so. Keep receipts/policy etc for records to be claimed against rogue dealer.

 

2. It is common market practice for selling price to be "inflated" so that it appears u applied for a car loan within e MAS ruling. E set of agreement are usually carbonised and most ppl will b asked to sign it "blindly" (most details left to e car dealer to fill in). This is a big loophole....important details pertaining to $ and cts must always be filled in. E few more minutes wait is worth e trouble.

 

3. Pls bring along yr own legal counsel/lawyer at the said mtg with car dealer's legal counsel so that u will nt b further smoked. You hv a case to sue e co and credit agency for misrepresentation. Do nt sign anything without understanding and definitely demand that proper set of documents are given to you eg. Yr mum's gender and exact amt of loan disbursed so that yr instalments can be amended accordingly henceforth.

 

Most likely, e dealer/credit agency will rectify e needful as it is to their disadvantage to do nothing when clearly they hv deliberately cause a deception or misrepresentation to take place. Mr Ken will want to settle this privately......this is a matter of grave consideration which u alone can decide on how to proceed unless e police takes it out of yr hands.

 

These are my personal tots and pls seek proper legal counsel for correct procedures.

 

 

Safe ride + gd luck

 

 

Cheers

[Latka]

Keep pursuing this case. Don't think he got the guts to commit suicide.

[King]

why so messy

@-@

[ChickenMob]

Bro he screw up your life, go ahead and screw his back.

insurance is not something to be trifled with.

imagine touchwood if something happens they are not going to pay a single cent and may in turn sue you for falstifying the particulars.

[Stiener]

One should pay for what he has done. The price is not up to him to decide, it's the judge who make the call.

[Good-Carbuyer]

Bro he screw up your life, go ahead and screw his back.

insurance is not something to be trifled with.

imagine touchwood if something happens they are not going to pay a single cent and may in turn sue you for falstifying the particulars.

Somehow I also believe that to be their protocol/planning.

[Passion]

Wah piang eh.. Bro, your story is super messy. Anyway, when you write this story, can you please leave your personal feeling out? With those personal feeling, what you write here will not be as factual?

 

Anyway, if you ask me, I'll said lodge a police report for cheating with intention to mislead victim. I believe this case will not go to CPIB as there is no corruption involved. Likely this will go to CAD, which is commercial affairs dept. Good luck to you, sue the bugger pants off. There is no amount smaller than your principle. If you think you are being cheated, get the a------e fcuk before letting him off.

[Andychx]

I believed from what I read, you're in a good position to take legal actions against the company or person, even they're willing to settle privately..

You may not be the 1st one who kena these crooks. Good luck!

[Dexdj]

TS, your situation is indeed quite a mess I must say but if what you wrote are indeed the facts and that you didn't cause this directly or indirectly nor were you a contributing party in anyway; then you must pursue this to the full extent of the law as this involves misappropriation of monies, forgery of official documents (to you, the bank and the insurance companY), wilful intention to deceive, gross misrepresentation (to you, the banks and the insurance company) and breach of contract.

 

I'd suggest you lodge a Magistrate's Complaint (Crime Registry - Criminal Justice Division) with the Subordinate Courts first, substantiated with all documentations/text messages/emails etc as proof as well as a clear and concise chronology of events (date/time/what transpired) with references to the all submitted proof. Yours and Ken address and particulars should, preferably, be furnished too. If not, and the Magistrate deems that your complaint warrants further investigation, the Magistrate will direct the Police to ascertain Ken's address and particulars.

 

Just do not get emotional in your write-up, present the facts only and in conclusion, state your request/s to the Magistrate. The Magistrate will then decide if this is indeed a case to be followed up i.e. the Magistrate will order the relevant authorities to investigate, and prosecute if necessary i.e. goes all the way to trial. Or the Magistrate will order a mediation session to amicably resolve the matter.

 

Note, if you are absent from any ONE of the hearings/mediation, in default, the courts will take it as you are no longer pursuing the complaint and it will be dismissed. If the respondent (Ken) is absent, no, it will not be dismissed but further actions will be taken.

 

If your complaint is heading towards mediation (first, usually before the Community Mediation Centre and if a settlement is not reached, then another mediation with the Magistrate, in chambers). If still no settlement is achieved, then you will have to decide if you want to take this further i.e. trial in an open court, or drop it altogether.

 

If your matter goes to trial, you'd need a lawyer for cross-examinations. And if the respondent doesn't show up for the trial, a Warrant of Arrest will be issued to arrest the respondent.

 

You can find out more from this link here: http://app.subcourts.gov.sg/criminal/page.aspx?pageid=10028

 

If the above fails, then you'd have to spend some of your hard-earned money to engage a lawyer to take it up for you.

 

If I were you, and if that Ken admits wholly to be the sole cause of this mess you're in (or if it's the court's decision), I'd get that Ken to take the car back, pay me back every single cent without delay/proposal for repayment installments etc, IN YOUR PRESENCE transfer the car to him (loan/insurance + every other thing related to the car) and let him have a taste of his own crap medicine.

 

I wish you all the best.

[Hugoballs]

I hope u don't complicate yourself, mislead the readers n implicate the others especially your seller. You r writing a lot of stuff that is irrelevant to what u have been cheated. You're probably not sure of what's you're being cheated too. Only discrepancy here was probably the $65k loan disbursement instead of $60k. The $4.7k cheque I believe was indeed for the initial payments. In short u are paying $1031/mth instead of $952. The other details like purchase price, COE etc. on the hire purchase agreement should not bother you as it does not affect your installments. Your main concern shud be the int rate, loan tenor & loan amount, which in ur case the diff in loan amt. This ken is probably taking advantage of your ignorance to the trade so that he could conveniently pocket the $5k from U. Quite sure that he would surrender the missing monies to u as he got no case.

 

I'm quite sure u d relationship between the banks, credit agents and the car dealers

 

Not sure why u r so firm that insurance was faked. Just because the information not tally doesnt mean it's fake as it's quite common to input the wrong data. Shouldn't u highlight to the insurer immediately u saw the "fake" details? Have u

even called the insurance company to chk if u r insured?

 

 

 

 

 

 

[Ruriimasu]

did u and ken agreed on the inflated price and false figures? if u did, i suggest you settle it privately with ken otherwise u will be equally guilty of cheating as well.

[Juniorsg]

thanks for sharing even though i cannot full understanding the whole episode.