mc inerney ford
well, today was the big day. after waiting nearly 7 weeks, my au3xr6 was built, delivered and ready to collect. everything was going fine until it came time to pay. i produced the visa card, they shat. they refused to do the transaction, but did concede as long as i paid the merchant fees.
a number of issues are here;
1. with this purchase, it would have taken my spending at mc inerney ford to $80000 in three years. so much for customer loyalty and service.
2. they claimed there is not enough margin in the deal to cover the merchant fees. this may or may not be true (i suspect they are full of it) but, even giving them the benefit of the doubt, there is about $8000 profit to be made on the two trade ins.
3. my understanding of the merchant facility is that the merchant CANNOT refuse to process a transaction. if they do, they can lose their merchant facility. further, my understanding of contract law is that they have created a breach of contract (by refusing payment) and therefore i am able to walk away. i will be checking the second point tomorrow with consumer affairs. on the first point, no matter what happens, i will be taking this complaint to visa.
4. under the merchant agreement, they CANNOT pass on the merchant fee. if they do, they can lose their merchant facility. once again, i will be pursuing this with visa.
the business manager came into the office (i shall leave his name off here...for now) and really couldnt give a s#*t. when i pointed out each of the above facts to me, he harped on about the deal costing them $462 in fees. and the best part was when he told me he would do the deal if i paid the $462. no matter what i said to this guy, the best i got out of him was a shrug. he couldnt care.
i am at the stage where i may not take the car, if i receive advice that i do not have to. at the same time, i may well proceed with the deal if things are going to get messy. the best part about walking away is that they will now have a car on their hands that is going to start costing them interest. it would be cheaper and easier all round to do the deal.
one way or another, i will be going after their merchant facility. i told the business manager about the potential loss of the facility, and politely reminded him that the loss of the merchant facility will cost him a lot more, but he shrugged. tomorrow i will be contacting visa (i work for a bank and have contacts all over the place) and lodging a formal complaint with visa.
after spending so much money there, after being told that i was no longer a customer but a mate, after having my cars serviced there for three years mc inerney ford treat me like this.
this is one pissed off angry little irishman. oh, and i am a vindictive b#@*ard too.