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My friend, middle age lowly educated husband and wife, wanted to change their car. Husband saw an ads in paper and call them. Husband is driving an old car registered under friend's name for pass 4yrs and have left one more term to clear the loan, because friend got medical condition and unable to pay the car loan. Out of goodwill, my friend tookover the car and use. So husband went to this shop in the east to enquire. Dealer offer a 1991 HOnda civic ESI4M for $12400. With in house finance, payment $300 for 3.5yrs...where the car COE expire. Husband and wife dunno anything and agreed. Husband passed the current old car to dealer with his friend IC and signature for transfer and clearing of last repayment term of loan. Then only wife called me and ask my opinion. I said far too expensive for that car.... I check a few dealer offering about $10k-$11k....and I ask what is the interest rate they are charging. Both husband and wife dunno. So I call the dealer...dealer won't review and ask me come down along with them and chat. Apparently wife already sign on document for getting loan as "guarantor" and need my help to be the "hirer". Dealer said this is because wife was discharged BK and chances of getting it is very slim. I am not sure about the condition and ask dealer thru the phone what is it about. DEaler dun wanna say anything just ask me go down meet him and he will explain. When we went down to the shop the same day. Dealer explained to me. Said need me be the "hirer" of the car and registered under my name and my friend as guarantor. If anything happen, he will go for the guarantor. I think the dealer also think I'm also one of them easy to "eat". I ask him if I'm the "hirer" or "borrower", of course if something happen u will look for me first, right? He change subject. My friend then only knows that they need to register under my name for the car which they also won't agree too. They dun wanna bring trouble to me as well. Then I refuse and I ask them not to buy the car from them cos I can sense from they language they r not honest ppl. So my friend said he dun wanna buy the car, instead just scrap the old car. From then onwards, the dealer facial expression and language change totally to the common "pai kia" u can find anywhere in Spore. He refuse to let go of the old car n said they had already setttled it with the current finance and already transfered name. Mind u, the COE rebate for the car still ahve 0.3 x $16666 excluding car value. Dealer said they will not give back anything to them. This one we can't fight for it cos my friend did a stupid thing by transfering the car ownership to the dealer already. I asked my friend forget it and let the original owner settle with them. The 4yrs loan ($600 monthly) you have paid just take it that u have fully make used of the car. Then we walk away. The next day, dealer called my friend trying to persuade him to get the car and said now can use his wife's name as main applicator for the loan.... I was like...what the heck... first u said cannot, now u said can... but I think it's too late...see this kind of attitude and behavior still dares to get the loan and car from him ah?? Then I remember my friend's wife had sign the loan application form as guarantor and leave everything blank because they at first thought I would be the "hirer" to fill in my particulars, with her photostated IC. I ask her better get back the form else if not they use the form for other ppl to apply the loan and u already signed as guarantor. Husband afraid to talk to them anymore cos they even threathen them that they will sue my friend. I ask my friend what wrong have they done to be sued??? The dealer had taken my friend, as uneducated ppl for advantage. Now they afraid whether will them pass back all the signed document form to them or not. If not, I ask them better go lodge police report, in case anything happen.