Showing posts sorted by relevance for query FCRA. Sort by date Show all posts
Showing posts sorted by relevance for query FCRA. Sort by date Show all posts

Saturday, April 26, 2014

Atty. Dan Viera's Failures, Terrence Gandy's Big Mouth and Route 44 Toyota's Continuing Failures!

A competent attorney seeking to protect his client's interests would clearly instruct his client to cease ALL communications while a lawsuit is pending.


Instead, the LEMON LADY has endured BULLYING ......




...temper tantrums...


...a gaggle of attorneys...more attorneys than O.J. Simpson and Whitey Bulger combined...




...objections to her First Amendment rights...




...and threats of a SLAPP Suit.....



ROUTE 44 TOYOTA continued to harrass the LEMON LADY AFTER notified of a lawsuit.....



...flooding her mailbox....




....Attorney Dan Viera, representing ROUTE 44 TOYOTA from the beginning failed to clearly explain appropriate conduct to his client....apparently....




The ROUTE 44 TOYOTA salesman who sold the LEMON LADY the TOYOTA LEMON initiated communication on facebook....




Since the Gaggle scrutinizes the LEMON LADY's public comments, wouldn't you think they could do their jobs?


This is some of the facebook exchange:


Terrence, This is what you posted on your facebook page:

Terrence Gandy

Yesterday near East Taunton, MA.
"About to bring a car for a customer to Boston.Bringing a bunch of credit apps hit me up if your interested"

Since you're such a big man, surely you are aware of the requirements under FCRA [Fair Credit Reporting Act].

That's a federal statute about which I have blogged extensively because of Route 44 Toyota and your participation.

Are you aware that it is a violation of FCRA to request a credit report unless someone is applying for credit?

My credit report was requested by Route 44 Toyota on the day I fully paid for my LEMON TOYOTA. Why?

You might want to investigate what the federal penalties are for violating FCRA. [I believe it's $3,000 for each incident, but you must know a good attorney.]

This provides some of the details:
http://jessiepowell.blogspot.com/.../09/more-than-lemon.html

If you go to my blog, there's a search feature in the corner. Just type in FCRA:

http://jessiepowell.blogspot.com/search?q=FCRA

Please learn to keep your mouth shut when you don't know the law!





 
Terrence Gandy Only serious inquiries please
 

 



  •  
Route 44 Toyota Sold Me A Lemon

I recommend that you consult an attorney who represents your interests. You posted on my facebook page which was highly inappropriate!


 

Terrence Gandy Serious inquiry only
 

  •  
    Terrence Gandy Only if your interested serious inquiry's only.
     


    • Route 44 Toyota Sold Me A Lemon A responsible attorney would instruct his client to refrain from comment when there is a lawsuit pending.

      In this case, it might seem the the attorney representing ROUTE 44 TOYOTA failed to do so or his client ignored his instructions.


      Since you are a party to this lawsuit, it would seem your post on my facebook page is inappropriate at best, or illegal.

      Maybe you should stop digging yourself in deeper since my credit report was run twice - neither time did I request credit.

      My friend's credit report was also requested twice - ROUTE 44 TOYOTA does not possess, nor did they produce a credit app containing his signature.

      Duh?

      Is this your own personal SCAM or one encouraged and approved by management?

      Didn't the 'Discovery' documents produce by ROUTE 44 TOYOTA indicate that you were no longer employed by them, your photo no longer appears on dealerrater.

      ROUTE 44 TOYOTA indicated that Tony Roma no longer works for the dealership, yet his photo continues to appear on dealerrater.
       







    Saturday, July 13, 2013

    Rip Off Report

    Below are comments posted on Rip Off Report.....


     
    Submitted: Thu, January 31, 2013

    April 2012, I purchased a 2012 Prius C. In less than 1 month, I reported 3 'incidents.'

    The last 2 of those incidents was BRAKE FAILURE, which a Route 44 Toyota technician sitting in the passenger seat of the vehicle witnessed repeatedly.

    The vehicle had NO BRAKES. Route 44 Toyota refused to address the issue, denied the problem, indicated 'No Computer Error Message.'

    Route 44 Toyota made 3 credit inquiries and I never applied for credit. In addition, they ran a credit inquiry of an unrelated third party who also did no apply for credit 6 months after I paid for the vehicle. This violates our rights under FCRA [Fair Credit Reporting Act].

    They gathered my information when I test drove a vehicle. Please check your credit report if you have been to this dealership. Their actions are illegal.

    #1 Author of original report

    Route 44 Toyota Threatens SLAPP suit for posting the truth

    AUTHOR: Middleboro Review - ()

    When I initially became aware that Route 44 Toyota had illegally requested my credit report twice, as well as that of a disinterested 3rd Party, my attorney faxed copies of those inquiries to their attorney, Daniel Viera.
    In response to my posting that truthful information in this forum, Daniel Viera threatened a SLAPP suit - Strategic Lawsuit Against Public Participation, with the intent to silence and intimidate.
    Rather than acknowledging an error and removing all 3 credit inquiries, Attorney Viera's bizarre response --
    "I am not at liberty to discuss with you in detail why those claims are both false....."
    For those interested in boring themselves, the reasons for which credit inquiries may be made according to the FCRA [Fair Credit Reporting Act] are posted here:

    http://middlebororeview.blogspot.com/2013/04/route-44-toyota-and-fcra-fair-credit.html
    Since the law clearly enumerates specificity, surely disclosure of their nefarious reasons was warranted.
    2 of those inquiries were made subsequent to suit having been filed and all communication should have ceased which it did not.
    Plymouth Court: Civil Action #1259CV871
    Another Route 44 Toyota customer posted a similar problem in the RipOff Report web site that
    #3 Author of original report

    Route 44 Toyota Threatens SLAPP Suit

    AUTHOR: Middleboro Review - ()

    On the day I delivered payment in full for our new Prius, I provided my social security number to Route 44 Toyota for them to complete documents for the Registry of Motor Vehicles.

    On that day, they ran my credit report even though I NEVER applied for credit and NO signed credit application exists.

    On the day Route 44 Toyota discovered MY vehicle on their property with no license plates [because I had turned them in], they ran my credit report, as well as the credit report of a disinterested 3rd party.

    Our brand new vehicle was left on the property of Route 44 Toyota because it has NO BRAKES!

    How can I drive a vehicle with NO BRAKES?

    On that day, we did not travel to Route 44 Toyota nor complete any credit applications. Route 44 Toyota had already been put on notice of a lawsuit and failed to cease communicating with me.

    Unauthorized access to credit information is in violation of FCRA [Fair Credit Reporting Act], a federal statute. It is ILLEGAL.

    Because I posted this, Route 44 Toyota is now threatening a SLAPP suit, explained here:

    http://middlebororeview.blogspot.com/2013/03/route-44-toyota-threatens-slapp-suit.html
    In response to my complaint filed with CFPB [Consumer Financial Protection Bureau], Credco responded:
    Our investigation into this matter determined that [complainant's] credit report was ordered by our client, Route 44, on or about April 23, 2012 and October 11, 2012, respectively. In order to obtain these credit reports on [complainant], Route 44 represented to us each time that it had a permissible purpose to do so. After receipt of this complaint, Credco contacted Route 44 and confirmed the certification of permissible purpose. The address and telephone number for Route 44 is as follows:

    Route 44 Toyota

    1094 New State Hwy.

    Raynham, MA 02767

    Phone: 508-824-4044


    Dan Viera, attorney for Route 44 Toyota indicated, here comes the SLAPP threat:
    "I am not at liberty to discuss with you in detail why those claims are both false. I suspect that you will amend your complaint regardless of what the facts may be but let me simply tell you that the dealership can only obtain a credit report from a customer or potential customer who has provided their social security number. That information is not collected as part of the test drive of a motor vehicle."

    "In that regard, your client has recently made a post on an online website referred to as
    www.dealerrater.com. Apparently, that web site is used in an attempt to resolve disputes between automobile dealers and consumers by allowing the consumer to post information and providing the dealership with an opportunity to respond before the post becomes official.....In it [the complainant] claims that the dealership "illegally" accessed her credit report. Accusing the dealership of engaging in illegal activity is libel per se. My client does not take these matters lightly and I would suggest that you communicate with your client to cease and desist from these types of tactics. They will not serve to resolve her case but do expose her to potential liability. Your client is represented by counsel and has a pending lawsuit. She should let you do your job."

    I filed a 'Petition for Defect Investigation' with NHTSA that they are pursuing. The Toyota Prius had NO BRAKES and you will find other similar complaints listed on the NHTSA web site.

    Route 44 Toyota REFUSED to repair or replace my vehicle.

    Friday, June 21, 2013

    Route 44 Toyota: NOT indemnified for their illegal actions

    Each time we waste the court's prescious time, it seems as if Dilly Dally Dan [AKA Attorney Daniel Vierra, representing Route 44 Toyota] drags out M.G.L. 93B [below].






    Section 8. (a) Notwithstanding any terms or provisions of a franchise agreement to the contrary, a manufacturer or distributor shall indemnify its motor vehicle dealers and hold them harmless from and against all damages, liabilities, losses, and reasonable expenses of suit, including reasonable attorneys’ fees, arising out of or incurred in the defense of any claim brought by any person seeking compensation or other relief predicated upon the negligent design or manufacture of a new motor vehicle, or any part or component thereof, manufactured or distributed by the manufacturer or distributor where the basis for liability is finally determined by a court to be solely the result of such negligence by manufacturer or distributor and not in any way the result of any fault or neglect on the part of the motor vehicle dealer. The manufacturer or distributor, after having been notified promptly in writing by the motor vehicle dealer that the claim has been asserted and is pending, shall assume the defense thereof and resolve the same at its own expense.

    M.G.L. 93B

    CHAPTER 93BREGULATION OF BUSINESS PRACTICES BETWEEN MOTOR VEHICLE MANUFACTURERS, DISTRIBUTORS AND DEALERS





    It certainly appears that deep-pocketed Toyota U.S.A. will pick up the tab for the legal fees of Route 44 Toyota......so Dilly Dall Dan gets a free ride, billable hours as he prepares for his great court trial....except....


    for the ILLEGAL BUSINESS PRACTICE of violating FCRA [Fair Credit Reporting Act] for which Route 44 Toyota is solely responsible.

    No wonder they're mad!


    They will have to pay to defend their illegal actions.





    For additional information:

    Route 44 Toyota and FCRA [Fair Credit Reporting Act]
    Route 44 Toyota Violates FCRA
    Route 44 Toyota Illegal Business Practices Continue
    Toyota: No one is responsible!

    Route 44 Toyota: Where Arrogance and Disregard of the Law Prevail

    Toyota Table of Contents #2





    Wednesday, September 18, 2013

    More Than A LEMON......

    A lawsuit was filed + 1 year ago for my BRAND NEW LEMON TOYOTA.

    Civil Action #1259CV871

    Plymouth Court


    This isn't solely about my BRAND NEW TOYOTA LEMON!




    This is about forewarning others about what I consider a SCAM!



    I've tried to KEEP THIS SIMPLE!

    There's far more to ROUTE 44 TOYOTA that's not included since this has gone on endlessly.

    [If you have any questions, please don't hesitate to send me a private email - comments are 'moderated' and will not be made public.]


    1.  ILLEGAL BUSINESS PRACTICE 

    During my annual CREDIT REPORT REVIEW, I discovered ROUTE 44 TOYOTA had ILLEGALLY accessed my CREDIT REPORT twice - on the day I fully paid for the BRAND NEW LEMON TOYOTA, and then ~ 6 months later when they discovered MY LEMON TOYOTA on their property with no license plates [because I had turned them in].


    In addition, on that day, they also ILLEGALLY accessed the credit report of a friend whose name is NOT connected to the vehicle.
     
    [Someone else has complained about this practice: The Arrogance of Route 44 Toyota]


    When I attempted to get the INQUIRIES removed, their attorney offered gibberish:
     
    I am not at liberty to discuss with you in detail why those claims are both false.
     
     
     
    The legally permissible uses established by CONGRESS are here, clearly enumerated:
     

     
     


    ROUTE 44 TOYOTA violated FCRA [Fair Credit Reporting Act].
     

    When they refused to remove the ILLEGAL CREDIT INQUIRIES, I posted my experience here on dealerrater to allow them to rectify their ILLEGAL BUSINESS PRACTICE:
     
    Reviews will automatically post after the two week reconciliation period has ended. 

     
    ROUTE 44 TOYOTA could have very simply removed the ILLEGAL CREDIT INQUIRIES and offered an excuse:
     
    '.....new employee....unaware of company policy....no longer with the company....blah, blah, blah.'
     
     
    Instead, I was threatened with a SLAPP suit [Strategic Lawsuit Against Public Participation], intended to BULLY and INTIMIDATE!  The tool of the ARROGANT and COWARDS!
     
     
     
     
    More ARROGANCE, BULLYING and SEXISM:  
    Route 44 Toyota: Sit in the corner and be a good girl!


    2. HARASSMENT!

    When a lawsuit is initiated, ALL COMMUNICATIONS need to CEASE!

    With ROUTE 44 TOYOTA, it needed to be protested REPEATEDLY!

    They're like LEECHES and you can't get rid of them!




    OTHER:

    Route 44 Toyota is like having LEECHES!


    3.  ROUTE 44 TOYOTA employs an arrogant and bullying attorney that should have provided appropriate legal advice making ROUTE 44 TOYOTA aware that this business practice was ILLEGAL as well:



    ROUTE 44 TOYOTA posts the photos of new TOYOTA owners in front of their vehicles, sends them a cheap calendar, and posts their photos WITHOUT DISCLOSURE!

    As if that isn't bad enough, in some cases, ROUTE 44 TOYOTA also posts the NAMES of NEW TOYOTA OWNERS and includes the LICENSE PLATES.

    This is an invitation to CAR THIEVES and STALKERS! in addition to being ILLEGAL!  

    Whose BRAIN FART was that?

     





    4. HERTZ

    ROUTE 44 TOYOTA made arrangements for a 'loaner' from HERTZ, RAYNHAM....even though Enterprise is NEXT DOOR.

    They subsequently FORGED my name on a RENTAL AGREEMENT.


    Hertz, Raynham: Dilly, Dally, Delay & Billem


    Hertz, Raynham: Dilly, Dally, Delay & Billem Part 2

    The Dilly, Dally, Delay, Stall & Bill 'em KING!

     
    Do you really want to do business with a business like ROUTE 44 TOYOTA?







    Bear this in mind:


    "A customer that has a good experience will typically tell 3 to 5 people, but a customer who has a poor experience will tell more than 20. When this is trend occurs via the web, these numbers can rapidly multiply and could spell disaster for brands that don’t have strategies in place to combat online negative chatter."


    FROM: IMPACT OF NEGATIVE CONSUMER EXPERIENCES 


    How many people know about the LEMON LADY?

    Do you think it's only 20?

    How many will it be when I began ADVERTISING?




    Cross Posted: More Than A LEMON.....

    Tuesday, October 28, 2014

    Independent Monitor




    On October 17, 2014, the letter below was sent to David Kelley, an attorney who has been appointed the Independent Monitor of TOYOTA as part of the $1.2 BILLION settlement with the Department of Justice, TOYOTA'S GET OUT OF JAIL FREE CARD!
    [The letter below was sent without the images or highlighting.]





    David N. Kelley, Esq.

    Independent Monitor

    Cahill Gordon & Reindel LLP

    80 Pine Street

    New York, NY 10005-1702


    Re: TOYOTA DEFECT INVESTIGATION & TAMPERING


    Dear Mr. Kelley:


    April 23, 2012, I purchased a NEW 2012 Prius C from Route 44 Toyota located in Raynham, MA, at the time incorrectly believing TOYOTA would be responsive to problems with their vehicles.


    I am simply a CONSUMER!


    My 2012 TOYOTA Prius C had 600 miles on the odometer as I drove out of a parking garage.


    The vehicle experienced such a significant jolt [NO NOISE] I initially believed my TOYOTA had been struck in the rear and subsequently realized the jolt was caused by the vehicle itself transitioning from the battery to its gas engine.


    When TOYOTA called that evening and I shared my experience, I was instructed to call the dealership to have the vehicle checked.


    Initially, the dealership refused to make an appointment, assuring me this was NORMAL OPERATION even though it was not previously experienced. Major jolt from transitioning?


    A short time later, while approaching a STOP SIGN at a Public School Crossing, I applied the BRAKES, and as the pedal traveled to the floor, a dash light flashed on while the TOYOTA continued to travel through the STOP SIGN.


    I subsequently drove SLOWLY to my home and had the vehicle towed to the dealership.

    I was assured there were "NO COMPUTER ERROR MESSAGES."


    I was informed a TOYOTA SERVICE PERSON would examine and test drive my 2012 Prius C but was prevented from being present.


    When I subsequently attempted to retrieve my vehicle, the brake pedal again traveled to the floor which I have come to understand is NOT acceptable behavior.


    I left my TOYOTA at the dealership to have it examined again and was informed this is how electronic brakes operate and I just needed to get 'used to it.'


    It is now my understanding once the ignition has been shut off and turned on or the battery disconnected, all computer error messages are erased.


    I refused to drive a TOYOTA that experienced unpredictable behavior in less than a month of operation and less than 1,000 miles on the odometer. I left the vehicle on the dealer's property and filed a complaint. How can any driver operate a 2012 TOYOTA Prius C with unpredictable behavior?
     


    When I cleaned the vehicle out and retrieved its license plates in August 2012, I reported to my attorney at that time the ODOMETER read ~ 600 miles.


    I knew at that time my vehicle had been tampered with while in the custody of the dealership.

    I did NOT turn on the ignition, but merely turned the key to the accessory position.

    I subsequently became aware of NHTSA's process to Petition for Defect Investigation which I filed because I firmly believe there are 2 separate issues:


    1. my refusal to drive a TOYOTA vehicle in which I would jeopardize the safety of others

    2. the safety of other TOYOTA owners if there is a safety/software defect

     

    When NHTSA arrived at the dealership to examine and test drive the vehicle, it had been sitting for almost a year, its battery was dead and required replacement.


    That would delete any error messages.


    You will note NHTSA has documented subsequent TAMPERING with the ODOMETER, posted in the Federal Register in JULY 2014.




    https://www.cfr-ebooks.com/register/2014/Jul/31/2014-17984.pdf

    Denial of Motor Vehicle Defect Petition, DP13-002, 44487-44491 [2014-17983]


    DEPARTMENT OF TRANSPORTATION

    National Highway Traffic Safety

    Administration

    Denial of Motor Vehicle Defect Petition,

    DP13–002



    If there was nothing found wrong with my TOYOTA, why was its odometer TAMPERED with?


    You will note the inclusion of information about a 'HILL HOLD FEATURE,' yet when the BRAKE FAILURE was experienced, I was operating on a FLAT SURFACE, there were never any bells or whistles noted.

    This matter goes far beyond the egregious conduct by NHTSA and TOYOTA.


    Subsequent to filing a lawsuit, I discovered the dealership, Route 44 Toyota had violated the FCRA [Fair Debt Collections Practices Act] and illegally requested a credit report on the day I presented payment in full for the vehicle. 
     
     


    In addition, Route 44 Toyota requested my credit report on the day [October 2012] they discovered my vehicle on their property with no license plates on it.




    Route 44 Toyota also illegally requested a credit report of a disinterested 3rd party on that date.




    We did NOT travel to the dealership, request credit or undertake any action enumerated under FCRA.


    When I filed a complaint with TOYOTA, it was ignored.


    When I posted my experience on 'dealerrater', a web site which provides the dealership with a two week time frame to remedy a consumer problem prior to making it publicly available, I was threatened with a SLAPP suit by the dealership's attorney, Daniel Viera.




     
    In my complaint, I sought to have the purchase price of my 2012 TOYOTA Prius C refunded along with other associated costs.


    Instead, I have been stalked, spied upon, my medical records shared [for which 2 agencies are currently investigating HIPAA violations] and more.




    It is now more than two years since the complaint was filed and TOYOTA's attacks continue, while the deposition process remains incomplete.


    Attorney Keith Rose has traveled to and from Albany, NY, requiring 4 hours to Plymouth, MA, 4 hours back to Albany for nonsensical reasons.
     
     


    During the first year, Attorney Rose had profuse 'scheduling conflicts' which reflects TOYOTA's DILLY, DALLY, DELAY, STALL & BILL 'EM tactics. 
     
     
    [THE KING OF CONFLICT!]

    Each time, Attorney Rose stands before the court, he presents bizarre and fictional versions of this matter.
     
     


    I am a simple consumer who mistakenly purchased a new 2012 TOYOTA Prius C.


    Instead of making the vehicle function properly, I have been attacked, discredited, stalked,.....



     my medical records shared....,
     
     
     
    ....my sobriety and drug use challenged, illegally obtained credit reports abused, my privacy invaded and more.
     


    As a consumer, I have been strong-armed, stalked and attacked for protesting a DEFECTIVE TOYOTA vehicle.
     



    Since the Federal Register Denial was posted in July 2014 [while strangely the Public Comment period ended in April 2014] this matter does seem to fall within your jurisdiction.


    Other TOYOTA owners are stuck with these malfunctioning vehicles because they have no recourse and it's time to make things right for consumers.


     






    [JUST MY OPINION...AT THE MOMENT!]