John B

JohnB

I have had 2 dealings with ELMS and they are as incompetent and do not care about anything but making the sale. My first experience was when I bought the new car. Put down a huge down payment went to pick up the car and was handed the contract they had raised the interest rate without even pointing it out. I caught it, they fixed it and apologized with a tank of fuel. Wind forward 118 months and they ask if I want to refi the balloon payment. I say yes and sign all of the papers. 3 weeks later they call me and ask me to sign again so I go in and do it, No reason why and no changes, I guess the dog must have eaten the first contract. So I sign and then a few days later get a text from the bank that I am about to be in overdraft by thousands because BMW is trying to collect the balloon payment that had been refinanced. I have to stop what I am doing and spend a half day stopping the payment. My wife has to go to the bank and cancel her activities all because these incompetents screwed up. Of course they are apologizing and offer to make it up to me but their definition of making good on their screw up is to not return phone calls. I would NEVER recommend these people. In my first experience I feel they were dishonest by trying to sneak an interest rate hike through and in the second experience they are just incompetent