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Collections (Used Vehicle) - Indiana

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Chrys

Junior Member
Hello, and thank you for providing this forum, as well as any advice you can offer me on my current legal situation. I have consulted with 2 lawyers, but neither really believe I have a chance with my approach.


I purchased a 2005 used vehicle in 2015, with no warranty contract and an inflated 3-year loan. A year later, rust caused the separation of the lower control arm resulting in $3000 worth of damages. The finance company offered to add the cost of repairs to my loan with a hefty interest rate. While managing the diagnostics, I discovered this same mechanical issue had resulted in a 2014 recall of make 2001-2004, as well as several online reports of this same issue with the 2005 make. I contacted the manufacturer, but they refused to cover the cost of the repairs. At this time, I felt I had no choice but to return the vehicle or pay even more than the unreasonable amount I was already paying. After consulting several mechanics, it became clear that I would end up adding at least another $6000 on top of my loan, as the rust issue would most likely reoccur on the other control arms.

I later learned that my vehicle was manufactured in one of the two plants that was involved in the recall, 9 months after the affected-products date indicated in the recall.

I have 49 days until my small claims trial where I will be representing myself. So, at this point, I am thinking I should file an Impleader against the manufacturer, and pursue a class action to have the 2005 included in the recall. I know the finance company is not entirely responsible, though they seem to make this a common practice, but do you think I can prove the manufacturer was negligent and should be responsible for this debt? Or will I, ultimately, end up having to pay the debt for a vehicle which should have been removed from the market the year before I purchased it?

Thank you, again, for your time!

- Chrys
 
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Zigner

Senior Member, Non-Attorney
Hello, and thank you for providing this forum, as well as any advice you can offer me on my current legal situation. I have consulted with 2 lawyers, but neither really believe I have a chance with my approach.


I purchased a 2005 used vehicle in 2015, with no warranty contract and an inflated 3-year loan. A year later, rust caused the separation of the lower control arm resulting in $3000 worth of damages. The finance company offered to add the cost of repairs to my loan with a hefty interest rate. While managing the diagnostics, I discovered this same mechanical issue had resulted in a 2014 recall of make 2001-2004, as well as several online reports of this same issue with the 2005 make. I contacted the manufacturer, but they refused to cover the cost of the repairs. At this time, I felt I had no choice but to return the vehicle or pay even more than the unreasonable amount I was already paying. After consulting several mechanics, it became clear that I would end up adding at least another $6000 on top of my loan, as the rust issue would most likely reoccur on the other control arms.

I later learned that my vehicle was manufactured in one of the two plants that was involved in the recall, 9 months after the affected-products date indicated in the recall.

I have 49 days until my small claims trial where I will be representing myself. So, at this point, I am thinking I should file an Impleader against the manufacturer, and pursue a class action to have the 2005 included in the recall. I know the finance company is not entirely responsible, though they seem to make this a common practice, but do you think I can prove the manufacturer was negligent and should be responsible for this debt? Or will I, ultimately, end up having to pay the debt for a vehicle which should have been removed from the market the year before I purchased it?

Thank you, again, for your time!

- Chrys
You're going to lose...plain and simple.
 

Chrys

Junior Member
I appreciate your candor! Would you have any advice on how I might refine my approach to be less likely to lose?
 

Chrys

Junior Member
Why am I legally responsible for a lemon that was ignored by the manufacturer in a safety recall?
 
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Zigner

Senior Member, Non-Attorney
Why am I legally responsible for a lemon that was ignored by the manufacturer in a safety recall?
That's a matter for you to take up with the manufacturer...it's NOT a matter that the dealer/finance company needs to be concerned with. You owe the folks who loaned you the money on the used car that is NOT part of the recall. Period.
 

Chrys

Junior Member
That's a matter for you to take up with the manufacturer...it's NOT a matter that the dealer/finance company needs to be concerned with. You owe the folks who loaned you the money on the used car that is NOT part of the recall. Period.
This is valid, thank you!

This is why I planned on filing an impleader. The manufacturer should have recalled my make the year before I purchased, which would have prevented me from entering into this contract when I ran the VIN prior to signing the contract. Because of the manufacturer's negligence, I purchased a vehicle for 700% markup and was only able to use it for a year before I would have to incur more debt for an issue which had resulted in a recall of the model's 3 previous years. Is the manufacturer not responsible for this debt as a result of their neglect?

E: I have discussed the matter with the manufacturer, who has refused to acknowledge that my vehicle should have been included in a recall, and I've filed a safety complaint with the NHTSA. I really don't believe I should pay for something which shouldn't have been sold?
 

Zigner

Senior Member, Non-Attorney
This is valid, thank you!

This is why I planned on filing an impleader. The manufacturer should have recalled my make the year before I purchased, which would have prevented me from entering into this contract when I ran the VIN prior to signing the contract. Because of the manufacturer's negligence, I purchased a vehicle for 700% markup and was only able to use it for a year before I would have to incur more debt for an issue which had resulted in a recall of the model's 3 previous years. Is the manufacturer not responsible for this debt as a result of their neglect?

E: I have discussed the matter with the manufacturer, who has refused to acknowledge that my vehicle should have been included in a recall, and I've filed a safety complaint with the NHTSA. I really don't believe I should pay for something which shouldn't have been sold?
Your mind is made up. I don't understand why you are here.
 

Chrys

Junior Member
I am, indeed, convinced by faculty that it's not my responsibility to pay, as it doesn't seem conscionable or rational. I now seek to understand if my faculty is erroneous or on track, as well as to flesh out any inconsistencies in my defense. It doesn't matter if my mind is made up, what matters is whether or not I have legal ground for a sound defense. You say I will lose, and I respect the analysis. Yet, I would like to know why I would lose and why the manufacturer wouldn't be responsible for the debt in this specific circumstance??

I've done my research, but have been unable to locate any similar cases to better understand what judgements I might expect and why.
 

Zigner

Senior Member, Non-Attorney
I am, indeed, convinced by faculty that it's not my responsibility to pay, as it doesn't seem conscionable or rational. I now seek to understand if my faculty is erroneous or on track, as well as to flesh out any inconsistencies in my defense. It doesn't matter if my mind is made up, what matters is whether or not I have legal ground for a sound defense. You say I will lose, and I respect the analysis. Yet, I would like to know why I would lose and why the manufacturer wouldn't be responsible for the debt in this specific circumstance??

I've done my research, but have been unable to locate any similar cases to better understand what judgements I might expect and why.
Your car has not been recalled, nor do you have any way to prove that it should be. Furthermore, the manufacturer isn't responsible for your deal between you and the finance company and your breach of that deal, nor are they responsible for the fact that you chose to pay way more for the car than it was worth, even without the perceived defects.
 

Chrys

Junior Member
I understand your point as saying "the manufacturer didn't deal with the plaintiff, and is not responsible for my debt". Third-party defendants are intended for this purpose, are they not? To show that someone else is responsible for this debt - which I believe is the case, as it would not have been returned if the manufacturer had acknowledged the need for a recall and covered the cost of repairs.

I do have means of proving that it was affected by the very same issue which was detailed in the 01-04 recall. If I can prove that it should have been recalled, wouldn't that be sufficient to make them responsible for at least the remaining debt amount?

E: Perhaps the wording of 'responsible for the debt' isn't accurate. More so, would it not entitle me to compensation for purchasing a lemon? Wouldn't that compensation equate to the amount of debt still owed on the lemon vehicle, as the debt would not exist if it were not a lemon?
 

Zigner

Senior Member, Non-Attorney
I suspect that we're talking about a Ford Escape. If so, then, even for a 2001-2004 vehicle, your recourse is not for them to buy the car from you. Your recourse would be to have a cross-brace installed on the subframe. If you already had repairs done by the time of the recall, you might have been able to obtain reimbursement (decided on a case-by-case basis.)

You really have no case. Don't expect to simply be able to add the manufacturer as an "interpleader" - there are steps that must be followed that you likely don't even comprehend.
 

Zigner

Senior Member, Non-Attorney
If I can prove that it should have been recalled, wouldn't that be sufficient to make them responsible for at least the remaining debt amount?
No, read my prior post. Not that it matters...you'd have to convince the FEDERAL GOVERNMENT that a recall should have been issued.

E: Perhaps the wording of 'responsible for the debt' isn't accurate. More so, would it not entitle me to compensation for purchasing a lemon? Wouldn't that compensation equate to the amount of debt still owed on the lemon vehicle, as the debt would not exist if it were not a lemon?
You didn't purchase a lemon. If you want to know why, research your state's lemon law(s). Oh, ok, I'll just give you the link: https://www.in.gov/attorneygeneral/2544.htm
 

Chrys

Junior Member
I suspect that we're talking about a Ford Escape. If so, then, even for a 2001-2004 vehicle, your recourse is not for them to buy the car from you. Your recourse would be to have a cross-brace installed on the subframe. If you already had repairs done by the time of the recall, you might have been able to obtain reimbursement (decided on a case-by-case basis.)

You really have no case. Don't expect to simply be able to add the manufacturer as an "interpleader" - there are steps that must be followed that you likely don't even comprehend.
Excellent deduction! Truly impressive ^.^. This is very helpful. If I could have done the repairs without incurring an additional $4k in debt, I might have. It was unfortunate that I needed to return it, but there was no way I could afford the increase the debt while not having a working vehicle. The solution was not inexpensive.

No, read my prior post. Not that it matters...you'd have to convince the FEDERAL GOVERNMENT that a recall should have been issued.

You didn't purchase a lemon. If you want to know why, research your state's lemon law(s). Oh, ok, I'll just give you the link: https://www.in.gov/attorneygeneral/2544.htm
I still consider it a lemon :p, but I do understand the state's definition. It was defective from the date it rolled off the lot, though its defect wasn't evident until much later when I was the poor schmuck who purchased it.


Your responses have given me insight into how the court will view this issue, and I'm very appreciative. I will take your input to heart and spend time in contemplation. Thanks, again.
 

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