Hyundai Liars – Universal Hyundai Financing Scam, Fraud, Deceiving Car Buyers

This morning I saw an ad at Universal Hyundai for 0% down payment and 0% APR for new car purchases. Upon arriving, I got nothing but lies, deceit, manipulation, and the proverbial bait and switch.

Today my wife and I went to Universal Hyundai, 12751 S. Orange Blossom Trail, Orlando, FL 32837 and were shown a lovely 2009 Hyundai Sonata by a charming salesman.

Once we spent several hours test driving the cars we were to choose from and bickering with the salesman as to price, it seemed we were nearly ready to finalize our purchase.

But not until we were thrown a clever financial scam, attempting to defraud, and deceive we the car buyers. Upon coming to an agreement for a purchase price of $15,987, we then noticed how many additional fees – taxes, dealear fees, etc. added up to $18,099.59.

Upon stomaching these exorbitant fees and preparing to finalize the purchase, we agreed to make a $4,000 down payment, leaving us with a balance of $14,099.59 to finance.

The charming salesman first said we would get 6.9% APR on the interest rate. However once our social security numbers and credit report were run, we suddenly were informed our APR would be 9.9% APR. Being a bit willing to go a little further to get this car, we played along.

At this point the salesmen started to back off, going in and out of the inner glassed caged room to talk to the finance guys (most overweight and grumpy), who massaged and manipulated numbers in an attempt to greatly rip us off.

We were originally told by the Hyundai sales rep our monthly payments would be $219 a month if we made a $4,000 down payment. Doing some simple math I calculated the remaining amount owed $14,099.59 multiplied by (1 + .099 interest for the annual APR) equalling $15,495.45 to be divided over 72 month payments at $215.21.

Then the fun began when the lying financiers at Universal Hyundai began their deceptive financing and massaging the numbers to make hefty profits. They said we would have to make monthly payments of $262.95 for 72 months – which I multiplied through totalling a $18,932.40 + $4,000 down payment to arrive at a grand total of $22,932.40 for a car originally priced at $15,987 nearly a $7,000 mark up.  The 0% APR and 0 down was a blatant lie, scam, and attempt to defraud.

Interestingly, the so called 9.9% APR promised ($14,099 divided by $15,495.45) in actuality turned out to be 34.276% APR with their new manipulated numbers at $22,932.40.

Don’t deal with Universal Hyundai. As I told them in front of all other prospective buyers on the sales showroom, “You guys are crooks!”

Paul F Davis – worldwide minister, consumer advocate, and author

www.PaulFDavis.com

RevivingNations@yahoo.com

USAA and CCC Valuescope Report Vehicles Used to Devalue Insured Motorists Automobiles in Total Losses

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

 

I am extremely concerned about the way my insurer USAA and their hired gun CCC Valuescope compute, calculate, and arrive at what they deem “actual cash value” for vehicles in the event of a total loss.

As I mentioned to the Department of Insurance Regulation, the DMV in Florida requires insurers to pay the replacement value of a like kind and quality vehicle to owners involved in total loss settlements with insurance companies. USAA however is only agreeing to pay me the “actual cash value.”

Most importantly, the manner by which USAA computes, calculates, and arrives at the “actual cash value” seems very deceptive, misleading, and fraudulent when one looks carefully at the CCC Valuescope Report upon which they base their valuations and calculations.

To be specific, note below the problematic histories of VIN numbers of vehicles on my CCC Valuescope report (39813905) provided to me by my insurer USAA. These of course are the vehicles CCC Valuescope and USAA used as comparable vehicles to my 1997 Honda Accord, Special Edition.

It is also worth noting that my 1997 Honda Accord SE never left the State of Florida, whereas these “comparable” vehicles submitted by USAA and CCC Valuescope have been out of Florida and across the country. My car has never been auctioned, nor has it had liens, neither required emission and safety inspections, nor been in accidents as reported in these subject vehicles. Therefore my insurer should not use these subject cars below as they are not a fair and honest value comparison to my own vehicle.

I urge every insured motorist to assess treble damages for this blatant attempt on the part of insurance companies to deceive we the insured fiduciaries and devalue our vehicles before paying out monies rightfully due us the insured.

1997 Honda Accord LX – 1HGCD563XVA120309

– Liens 4/10/1997, 7/25/2000, 11/1/2006

– Emission Inspections 7/23/1997, 6/24/1998, 7/21/1999

– Left Side Impact with another Vehicle 4/18/2000

– Rebuilt 7/25/2000, 12/01/2000, 1/6/2003, 4/6/2004, 1/25/2005, 12/23/2005, 11/1/2006, 8/17/2007

– Auction 4/7/2006

 

1998 Honda Accord LX – 1HGCG2244WA011995

– Liens 5/28/2002, 11/15/2002, 4/12/2005, 6/24/2008

– Accident 5/5/2005

– Duplicate Titles 11/15/2002, 4/7/2008

– Corrected Title 5/28/2002

– Auction 4/16/2002, 4/18/2008

– Theft Deterrent Equipped 7/29/2000, 3/23/2001

– Massachusetts and Florida owners

 

1997 Honda Accord LX – 1HGCD5633VA060776

– Liens 3/21/2000, 7/23/2002, 7/23/2002 DUPLICATE TITLE, 8/11/2005

– Auto Auction 12/28/1999, 1/12/2000

– Auto Auction / FLEET 12/10/1996

– Leased Vehicle 7/24/1997, 8/17/1998

– Front Impact Collision 9/4/2004

 

1998 Honda Accord LX – 1HGCG5642WA216534

– Leased 8/6/1998, 8/11/1998, 7/28/1999

– Auto Auction 1/17/2002 (FLEET / LEASE), 7/27/2006, 7/28/2006, 9/8/2006, 9/29/2006

– Liens 2/7/2002, 3/28/2008

 

1998 Honda Accord, LX – VIN 1HGCG5645WA252007

– Leased 9/10/1998, 7/22/1999

– Auto Auction 5/7/2001, 5/9/2001, 7/17/2001, 8/6/2001, 8/10/2001, 8/28/2001

 

1997 Honda Accord Special Edition – VIN 1HGCD5606VA113282

– Leased 2/24/1997

– Failed Safety Inspection 8/15/2001

– Liens 2/11/2000, 4/13/1999

– Ohio, Tennessee, New York, and Florida owners

 

1998 Honda Accord LX – 1HGCG5643WA252409

– Leased 9/18/1998, 9/22/1998, 11/23/1999

– Liens 9/18/1998, 9/22/1998, 11/20/2002, 12/5/2002

– Not Good Chain of Title, Poor Car History

 

1997 Honda Accord LX – 1HGCD5631VA052028

– Accident 12/11/2006

– Lien 1/2/1997

 

1998 Honda Accord LX – 1HGCG3249WA000044

– Leased 7/24/1998, 7/28/1998

– Lien 5/9/2003

– Auto Auction 6/20/2006, 6/21/2006

 

1997 Honda Accord LX – 1HGCD5634VA083693

– Leased 3/23/1997, 12/3/1997, 1/27/1998, 1/29/1998, 9/8/1998

– Auto Auction 3/30/2000. 4/3/2000, 5/4/2000, 6/8/2000

– Liens 3/23/1997, 12/3/1997, 7/6/2000

– Emission Inspections 12/11/1997, 6/9/2000

– California and Florida owners

 

1997 Honda Accord LX – 1HGCD7239VA012071

– Liens 11/10/1997, 11/13/1997

– Emission Inspection 7/1/1998, 7/8/1999

– Duplicate Title 4/3/2008

 

1997 Honda Accord LX – 1HGCD5632VA124418

– Liens 4/30/1999, 1/17/2002, 8/4/2003

 

1998 Honda Accord LX – 1HGCG5644WA225137

– Leased 8/21/1998, 8/25/1998

– Liens 8/25/1998, 11/27/2000, 6/29/2006

– Auto Auction 6/25/2008, 8/01/2008

 

1998 Honda Accord – 1HGCG5645WA258566

– Liens 9/15/1998, 1/10/2006

 

1998 Honda Accord LX – 1HGCG554WA057792

– Liens 1/09/1998, 6/3/2002 CORRECTED TITLE, 6/12/2002 CORRECTED TITLE, 8/8/2003

– Arizona, Indiana, Pennsylvania, and Florida owners

 

1997 Honda Accord LX – 1HGCD5636VA050128

– Liens 1/19/1999

– Many Owners, Numerous Change of Hands

 

1997 Honda Accord LX – 1HGCD5636VA249387

– Lien 10/08/1997

– Front Impact Collision 3/12/1999

– Emission Test 8/27/1999, 9/13/2001

– Georgia and Florida owners

 

1997 Honda Accord LX – JHMCD5630VC008863

– Liens 8/27/1997, 3/1/2001

– Auto Auction 6/18/2008

– Pennsylvania and Florida owners

 

1997 Honda Accord SE – 1HGCD7203VA029681

– Liens 6/9/1999, 1/27/2003, 5/22/2008

– Leased 6/13/1997

– Auto Auctions 9/16/2002, 10/21/2002

– Auto Auction / FLEET 10/22/2002

– New Jersey and Florida owners

 

1998 Honda Accord LX / LXA – 1HGCG5647WA123704

– Lien 4/26/2005

 

1998 Honda Accord LX / LXA – 1HGCG5642WA087405

– Lien 1/27/1998

– Auto Auction 6/5/2008

 

1998 Honda Accord LX – 1HGCG3245WA011459

– Liens 7/13/1998, 10/1/1998, 10/28/1999

– Auto Auction 4/22/2002, 11/26/2007

– Emission Inspections 5/5/1999, 10/8/1999, 3/24/2000

 

1997 Honda Accord LX – 1HGCD5539VA103132

– Leased 2/21/1997, 2/09/1999

– Liens 8/10/1999, 8/5/2003, 9/12/2005

– Auto Auctions 4/28/1999, 5/15/2008, 5/16/2008

– Pennsylvania, New York, and Florida owners

 

1998 Honda Accord LX / LXA – 1HGCG5646WA222921

– Liens 7/30/1998, 7/18/2008

– Auto Auctions 4/22/2008, 4/23/2008

–

1997 Honda Accord LX – 1HGCD723XVA016064

– Title #:AQ0019351 Seekonk, MA

– Title #:0090214360 St. Petersburg and Tampa, FL

– Title Issues 4/4/1997, 5/13/1999, 5/1/2001, 4/18/2003, 3/31/2004, 5/13/2008, 7/8/2008

Duplicate Title

– Rhode Island, Massachusetts, and Florida owners

 

1997 Honda Accord SE – 1HGCD5607VA104378

– Leased 7/23/1997, 2/11/1998, 4/29/1999, 5/3/1999

– Liens 7/23/1997, 5/3/1999, 2/19/2004, 5/19/2005

– Auto Auctions 6/4/2001, 6/5/2001, 2/8/2005

– Duplicate Title 1/28/2005

– Maryland and Florida owners

 

1997 Honda Accord LX – 1HGCE1825VA006521

– Liens 12/24/1997, 8/14/2000, 5/30/2008

– Emission Inspection 5/19/2000

 

1998 Honda Accord LX / LXA – 1HGCG5646WA118820

– Leased 3/18/1998, 3/20/1998, 11/25/1998, 12/14/1999

– Liens 3/20/1998, 1/30/2002, 3/22/2002

 

1997 Honda Accord LX – 1HGCE1828VA005041

– Emission Inspections 3/2/1999, 3/3/1998, 2/25/2000

– Green Car noted 3/31/2008 – perhaps color change during repairs

– Duplicate Title 4/11/2008

– Auto Auction 4/10/2008

 

1997 Honda Accord SE – 1HGCD5604VA237860

– Leased 9/03/1997, 5/14/1998, 6/16/1999, 6/1/2000

– FLEET 9/03/2007

– Accident 6/2/2008

– Liens 9/3/1997, 8/29/2000, 6/2/2008

 

1998 Honda Accord LX / LXA – 1HGCG5647WA042945

– Leased 12/2/1997, 12/4/1997, 10/15/1998, 10/19/1998

– Accident 5/10/2008

– Auto Auction 8/20/1998

– Emission Inspection 3/24/2000

 

1997 Honda Accord LX – 1HGCD5633VA242431

– Lien 5/9/2002

– Theft Deterrent Equipped 9/5/1998

– New York and Florida owners

 

1997 Honda Accord LX – 1HGCD5630VA215140

– Liens 9/24/1997, 9/26/1997, 8/17/2001, 6/13/2008

– Front Impact Collision with another Vehicle 5/28/2002

– Emission Inspection 3/30/2000

 

1998 Honda Accord LX / LXA – 1HGCG5647WA228436

– Liens 9/16/1998, 5/21/2008

– Duplicate Title 5/7/2008

 

I am deeply concerned and disappointed in my insurance company’s failure to uphold their moral and legal obligations contractual requiring the utmost duty of care to me the fiduciary.

www.PaulFDavis.com – consumer advocate, author, and worldwide motivational speaker

RevivingNations@yahoo.com

 

 

Total Loss Settlements Involving Insurance Companies – Florida and the Department of Motor Vehicles

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

My insurer USAA recently sent me a pdf link from the Florida Department of Motor Vehicles, several pages mentioning regulations insurers are to adhere to before acquiring an insured motorist’s title after a total loss colission (mine compliments of a drunk driver that nearly killed me).

 

It is rather interesting that the DMV requires insurers to provide the insured motorist a replacement vehicle of like kind and quality, but insurers like to lower the bar and offer merely “actual cash value” to their insured. Sounds a bit fishy to me!

 

I told USAA:

 

“…Thank you for providing me the pdf link online concerning FL Statutes regarding / “TOTAL LOSS SETTLEMENTS INVOLVING INSURANCE COMPANIES” / wherein the first provision of State Law mentioned is Section 319.30 (3) (a) 1 providing that / “a motor vehicle is a total loss when an insurance company pays the motor vehicle owner to replace the wrecked or damaged motor vehicle with one of like kind and quality” /.

 

Since USAA has failed thus far to pay me the motor vehicle owner to replace my vehicle with one of like kind and quality, USAA preferring only to render an  “actual cash value”  which itself is questionably low, it seems we cannot proceed with the certificate of destruction until USAA pays me the vehicle owner to replace my vehicle with one of like kind and quality.”

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

 

USAA Auto Insurance Complaints: Power to the People – Expose, Confront, and Launch Media War Against USAA

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Let’s come together and march in protest on USAA’s corporate headquarters in San Antonio, Texas. Disgruntled military, mothers, children, fathers, granfathers, grandmothers, aunts, and uncles let’s show USAA “Don’t mess with Texas, nor the American people!”

Power to the people!  Let’s organize, strategize, and nationally vocalize our complaints!

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

Documentary Filmmakers, Videographers, Editors, Whistleblowers Needed to Expose USAA and Insurers to America

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Whistleblowers (inside and out USAA) needed to go public about USAA and big insurers defrauding the American people daily. Help make a documentary film to expose big insurance companies ripping off the little guy and disregarding all human suffering as they fill their financial coffers with more dough by way of our hard earned premiums.

Videographers, editors, documentary filmmakers needed to capture this monumental expose on USAA and big insurers across the country. The sequel to Michael Moore’s “Sicko” as we the people get empowered and take this movement of emancipation from corporate crookery to the next level.

Let’s come together people, join forces, and use the power of the media to vocalize insurance fraud on a grand unprecedented scale.  The bigger they are, the harder they fall.

Give me some Davids willing to take on and battle Goliath!

Paul F Davis

RevivingNations@yahoo.com

www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

Class Action Lawsuit Attorney with Backbone and Guts Wanted to Sue USAA

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Is there a class action attorney with backbone and guts in America willing to take on corporate corruption, expose the fraudulent system and complicit insurance regulators who tolerate such nonsense at the suffering of the consumer?

Become famous by battling the big insurance companies and their flawed valuation methodology by which they devalue consumers vehicles daily and fill their financial coffers as we the people suffer.

Paul F Davis – consume advocate, author, documentary filmmaker and minister

www.PaulFDavis.com

USAA – When an Insurer Withholds Information on Auto and Salvage Values

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

August 4, 2008

 

USAA,

 

Your phone call was received, but no previously mentioned questions were addressed, nor answered in your voice message. Please kindly respond in writing as my schedule is very chaotic as I attend to my physical injuries and visit various medical professionals throughout the day.

 

Since you are so confident concerning your salvage facility’s valuations, please kindly provide the name of said facility, along with the full report as to how they calculated the salvage value to my car.

 

As to your comment to reimburse up to $400.42 in sales tax, I need something more definitive and solid.  The language “up to” is very vague, intentionally ambiguous, and unreliable.

 

Since you “value my business and serving all my financial needs”, as you commonly state when concluding all correspondence to me, please kindly show such due diligence to me your fiduciary to whom you are legally and morally obligated. You may begin by providing me:

 

1.An exact amount in sales tax and fees for the replacement car.

 

2.The salvage facility’s name and full report as to how they calculated and arrived at their valuation.

 

3.The language in my USAA policy and the Florida statutes that you are claiming necessitates me forfeiting my car’s title to you.

 

Please show good faith by answering the above in full.  Your neglect in doing so thus far is prolonging the replacement of my insured vehicle (which my entire family relies upon) and perpetuating our pain, while intensely stressing out and burdening my entire family that trusted you our insurer to provide us a replacement car as promised in your policy.

 

Paul F Davis

 

ps. Please do not wait for a phone call to answer the above questions and concerns in writing.

 

 

 

Mon Aug 04 11:02:20 CDT 2008

 

August 4, 2008

 

Dear USAA,

 

Please kindly reimburse us for our next two weeks of rental cars under the uninsured motorist policy, while we wait for your reply to the Department of Insurance Regulation.

 

Your decision to withhold necessary information previously and repeatedly requested is intentionally delaying the process and prompt replacement of our vehicle.

 

I had to say good night and comfort a crying and weeping wife, distressed and demoralized by the fact that her father when visiting us in July spent his last $300 to attend to our car to ensure his daughter had a safe and operational vehicle. Now after being hit by a drunk driver the same day all repairs were finalized, we are being mistreated by USAA our insurer who is failing to exercise the utmost good faith, entirely disregarding our interests, and violating we the fiduciary.

 

Paul F Davis

 

www.PaulFDavis.com

 

 

 

 

USAA Claims Adjuster – Not Pain Adjuster, Value Diminishers

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

USAA claims adjuster

Handsomely profiting and

Profusely resisting paying up

Fight them with all you can muster!

As they pocket all the annual premiums

Using their hired gun CCC Valuescope

To lowball and dupe the insured like a dope

Use comp vehicles with excessive records

Few are smart enough to check VIN numbers

Remember the insurance industry’s foretold stats

Few hard working Americans have time for that

Overworked and too busy with family to investigate

Therefore there is lots of room to cleverly deviate

From serving the fiduciary with the utmost good faith

Most know without a car unemployment is their fate

Thus most settle quickly and take what scraps they can get

Otherwise their losses increase as they stress and sweat

Meanwhile the insurance giants fill the coffers to overflowing

Greedily denying, depriving, devaluing, and dastardly disgracing

Breaching good faith contracts, withholding requested information

Because making money is insurance companies grand preoccupation

Never mind the means as they employ lies, deceit, and intimidation

Make power plays, burden with paperwork, and bury in bureaucracy

This is what state insurance regulation departments call democracy?

Perhaps hypocrisy and mafia like racketeering is far more appropriate

Is it any wonder lawyers and their firms keep hiring more associates?

Where is the Attorney General while all of this is devilishly going on?

Nowadays it seems nearly impossible to get what is fully do you

Without being heavily lawyered up with seasoned litigators for trial

Insurance companies know most folks can be persuaded to settle

Persuaded to take crumbs rather than to sue a deceitful someone

Yet when will the corporate crooks finally be confronted and fully pay?

It is time for those with righteous indignation to arise and save the day!

Paul F Davis – consumer advocate and minister
www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

USAA Salvage Value Report Lacking

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

When my insurer USAA informed me my vehicle was a “total loss” after I was hit by a drunk driver, they valued the salvage at $655.53 but gave no itemization as to how they came up with that number. Interestingly, this salvage amount constituted more than a tenth of the value they engineered with the infamous CCC Valuescope report.

When I asked for the VIN histories on the vehicles USAA used to compare with my 1997 Honda SE they refused to give such data. I wonder why? I guess they don’t have much confidence in their report, or don’t want to disclose the manner by which they deceive the general public.

Although to USAA’s credit the permitted a reinspection and bumped up my car’s value over $1,000 no VIN histories were provided. Now I await documentation as to how USAA calculates the “salvage value”….

Paul F Davis – consumer advocate

www.PaulFDavis.com

CCC Valuescope and USAA withhold Vehicles Histories in CCC Report Given Insured

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

When USAA insured customer Paul F Davis asked USAA for the histories of the vehicles being used on the CCC report to calculate / compare and compute his car’s value, Davis received an unusual denial and revealing reply:

“We do not request vehicle history for the vehicles listed in CCC.  The vehicles listed are a small sampling of many vehicles used to establish the value.  Some vehicles are actually inspected by CCC or the dealer before being published on the report.  The vehicles listed may still be for sale or have already sold.” — USAA Claims Service Director Chris Gonzalez

Davis in turn immediately replied:

July 28 2008

Dear Mr. Chris Gonzalez,

“…Although USAA does not request vehicle history for the vehicles listed in the CCC report, I am requesting such as your insured to whom you have a fiduciary duty. Anything less I shall deem a breach of said duty.

As a matter of policy for USAA to withhold the vehicles histories that they use to compare to the vehicle they are attempting to value and replace is highly suspect and very deceptive.”

Paul F Davis

www.PaulFDavis.com

Please join with me to file a class action lawsuit against USAA and big insurance companies withholding the full history of vehicles used on the CCC report.  Many of these vehicles on my report in particular had over 20 records each on the VIN numbers of the vehicles given, several even exceeded 30 reports – a clear indication these vehicles may have been in numerous accidents, collisions, used as rental cars, etc.

What is there to hide when you are being honest? But if you are not, you don’t want your dirty little secrets to come out in the wash, nor be seen in the light of day.

Let’s come together people and expose USAA’s breach of contract as it withholds vital information from its insured, violating its fiduciary duty to its insured paying customers.

Paul F Davis

RevivingNations@yahoo.com

www.PaulFDavis.com