Have you had a dream like this?
I think this is an advertisement for a car dealer, but I am not sure. The guy just keeps blabbing while he gets run over. Just about right.
https://www.youtube.com/watch?v=XtGl35fgfHA
Have you had a dream like this?
I think this is an advertisement for a car dealer, but I am not sure. The guy just keeps blabbing while he gets run over. Just about right.
https://www.youtube.com/watch?v=XtGl35fgfHA
If you want to pursue a claim in the Administrative Court you MUST send a 10-day letter. This is a jurisdictional requirement.
If you want to sue in Superior Court you do NOT need to send a ten-day letter.
To satisfy the ascertainable loss requirement, the plaintiff need prove only that he/she has purchased the item partially as a result of an unfair or deceptive practice or act and that the item is different from that for which he/she bargained. If one sets out to purchase two things, and for the price paid receives only one, the conclusion seems inescapable that there has been an ascertainable loss. Whenever a consumer has received something other than what he/she has bargained for, he/she has suffered a loss of money or property. That loss is ascertainable if it is measurable, even though the precise amount of the loss is not known. When the product fails to measure up to reasonable expectations based on the representations made, the consumer has been injured: he has suffered a loss. He has lost benefits of the product, which he was led to believe he had purchased. Miller v. American Family Publishing, 284 N.J.Super 67, 88 (App.Div. 1995). The New Jersey Supreme Court has held that a consumer debt, which is a result of consumer fraud, can be an ascertainable loss. Cox v. Sears Roebuck & Co. 138 N.J. 2, 21-23 (1994)
In an ordinary breach-of-contract case, the function of damages is simply to make the injured party whole, and courts do not assess penalties against the breaching party. However, the goals of the Act are different. Although one purpose of the legislation is clearly remedial in that it seeks to compensate a victim’s loss, the Act also punishes the wrongdoer by awarding a victim treble damages, attorney’s fees, filing fees, and costs. In that sense, the Act serves as a deterrent. Therefore, in determining whether plaintiff has established a loss under the Act, we are guided by, but not bound to, strict contract principles. *** We conclude that an improper debt or lien against a consumer-fraud plaintiff may constitute a loss under the Act, because the consumer is not obligated to pay an indebtedness arising out of conduct that violates the Act.
Therefore the plaintiff need only prove that the contract or debt resulted from fraud or consumer fraud and it would then be the defendant’s burden to prove setoff. In Lotito v. Mercedes Benz, 328 N.J.Super. 491 (App.Div 2000), the Court held that the burden of proof shifted to the defendant after the plaintiff proved he made all the payments on the lease. Lotito was a breach of warranty case, not a consumer fraud case, but the equities are the same. The Consumer Fraud Act is to be generally construed since it is remedial legislation.
The Lotito Court held:
Generally, burdens of proof are not allocated in statutory law but are left to the courts as matters of procedure. In re Will of Smith, 108 N.J. 257, 264, 528 A.2d 918 (1987). Judicial allocation of the burden of persuasion “can vary depending upon the type of proceedings, the comparative interests of the parties, the relative litigational strengths or weaknesses of the parties, the access of the parties to proof, and the objectives to be served by the evidence in the context of the particular proceeding.” Romano v. Kimmelman, 96 N.J. 66, 89, 474 A.2d 1 (1984). Obviously, the lessee has no interest in establishing the value of the use of the vehicle and the lessor has every interest in proving that the value of the use equaled or exceeded the amounts paid by the lessee. In addition, the lessor, because of the nature of its business, is in a far better position to provide evidence of the value of use. Although generally the party seeking damages has the burden of proof, Caldwell v. Haynes, 136 N.J. 422, 436, 643 A.2d 564 (1994), Lotito should be viewed as having satisfied that burden by proving what he had paid. The burden of proving the claimed offset for the value of use fairly belongs on the party in breach in these circumstances. Cf. Block v. Diana, 252 N.J.Super. 650, 657-58, 600 A.2d 520 (App.Div.), certif. denied, 127 N.J. 564, 606 A.2d 375 (1992). Id at 512.
Plaintiff must demonstrate the case by a preponderance of the evidence. See Liberty Mutual v. Budge, 186 N.J. 163 (2006).
The appellate Division recently revisited the issue of ascertainable loss pertaining to defective cars in Thiedeman v. Mercedez Benz, 183 N.J. 234, 248 (2005).
To repeat, plaintiffs have a car with a defect in a significant component, which defect is present in every replacement of that component, and will likely manifest itself at some future time. We believe that common knowledge, indeed common sense, compels a conclusion that the value of the vehicle is impaired to a measurable, if presently unknowable degree. Can it possibly be doubted that if the Flahertys sought to sell their vehicle on the used car market, and advised prospective buyers of the fuel-sending unit problem, that they would receive less than if the vehicle had no such defect? We think not. This proposition is “so universally known that [it] cannot reasonably be the subject of dispute,” N.J .R.E. 201(b)(1), and is, therefore, subject to judicial notice by us. N.J.R.E. 202(b). The loss we posit is not simply a loss of consumer expectation or an unquantifiable benefit-of-the-bargain loss. There is more here than just a sense of unease in driving a car that has a potential problem that could impact on safety. There is a loss in value, not simply a loss of expectation.
The New Jersey Supreme Court has been clear in this issue. The defendant cannot reap the benefit of their own fraudulent actions. They cannot retain the benefits of a debt or a transaction which was improperly and illegally created. For the Supreme Court to hold to the contrary, they would only encourage fraudulent conduct wherein defendants could claim that claimants somehow received the benefit of the defendants’ fraudulent acts. Had the defendant NOT OMITTED the negative equity in the retail installment sales contract, clearly the transaction could not have been completed/approved. The New Jersey Supreme Court in Cox specifically held that a debt which is illegally or improperly created constituted an ascertainable loss under the New Jersey Consumer Fraud Act. Indicative of the defendant’s intent is its failure to have a copy of the retail agreement in their files. Apparently, the defendant attempted to hide their illegal and improper actions.
This interpretation of the application of the Consumer Fraud Act by the New Jersey Supreme Court is consistent with the statutory framework pertaining to remedies for fraud.
N.J.S.A. 2A:32-1. Remedies of person defrauded.
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Please do not do this no matter how mad you get at the dealership. This guy probably went to jail.
This investigative reports catches Jiffey Lube red-handed. They are doing no work and getting paid.
Do these companies ever learn? The next time you have an oil change you should mark the oil filter or any part that they are supposed to change.
You can search for a recall for a your car. More Recalls:
This is a great site run by the government that keeps track of all the most recent recalls: Recalls-Recalls-Recalls
Recalls
Consumer Products Foods, Medicines, Cosmetics Motor Vehicles, Car Seats Environmental Products Meat and Poultry Products Boats and Boating Safety
Omissions of material fact are actionable under the New Jersey Consumer Fraud Act. See Cox v. Sears, 138 N.J. 2, 18 (1994). The New Jersey Supreme Court has held that when an alleged consumer fraud consists of an omission of material fact, the plaintiff must show that the defendant acted with knowledge, and intent is an essential element. The seminal New Jersey decision pertaining to nondisclosure is Weintraub v. Krobatsch, 64 N.J. 445 (1974). The Supreme Court held that deliberate concealment of a latent defective condition material to the transaction constitutes sufficient grounds to justify rescission of a contract to purchase realty. See Correa v. Maggiore 196 N.J. Super. 273 (1984) Since rendition of that opinion, this principle has been expanded to permit recovery of monetary damages and has been applied in a broad variety of circumstances. See, e.g., Jewish Center of Sussex Cty. v. Whale, 86 N.J. 619 (1981); Carlsen v. Masters, Mates & Pilots Pension Plan, 80 N.J. 334 (1979); Environmental Protection Dep’t. v. Ventron Corp., 182 N.J. Super. 210 (App. Div. 1981), modified 94 N.J. 473, 468 A.2d 150 (1983); Neveroski v. Blair, 141 N.J. Super. 365, 358 A. 2d 473 (App. Div. 1976); Berman v. Gurwicz, 178 N.J. Super. 611 (Ch. Div. 1981); Tobin v. Paparone Const. Co., 137 N.J. Super. 518 (L. Div 1975)
In Strawn v. Canuso, 140 N.J. 43, 65 (1995), the New Jersey Supreme Court held that a residential builder, developer and broker were liable to homebuyer’s for non-disclosure of off-site physical conditions known to the defendants, which were unknown to the buyer. The silence of the defendants created a mistaken impression by the purchasers. In Strawn, the defendants used sales promotion brochures, newspaper advertisements and fact sheets to sell the homes. The materials portrayed the homes in a peaceful, bucolic setting with an abundance of fresh air and clean lakes. Although the promotional materials mentioned how far the properties were from local malls, country clubs and train stations, neither the promotional material nor any of the sales’ representatives referred to a landfill which was located near the development. Id. at 61. The New Jersey Supreme Court upheld the Appellate Division’s finding that the defendants’ conduct violated the New Jersey Consumer Fraud Act.
In Tobin v. Papparone Construction Co., 137 N.J. Super 517 (Law Div. 1995), the Appellate Division held that silence as to the character of the surrounding neighborhood operated to induce the purchasers to buy and the silence as to a material fact was fraudulent. In Berman v. Gerwitz, 189 N.J. Super 89 (Ch. Div. 1981), the Court held that the sellers committed an act of fraud by not disclosing that the complex recreational facilities were separate from their purchase of their condominium. The suppression and withholding of truth is equivalent to a falsehood. The defendants have a duty to recognize material facts and make proper disclosures. Strawn, supra, at 62. (Emphasis added).
Affirmative misrepresentations are actionable under the New Jersey Consumer Fraud Act. See, Cox v. Sears, 92 N.J. Super 1, (1994). In order for an affirmative misrepresentation to be actionable under the New Jersey Consumer Act, it must be 1) material to the transaction; 2) fact; and 3) false. See Gennari v. Weichert Realtors, 148 N.J. 582, 607 (1993); Vaccarello v. Massachusetts Mutual Life Ins. Co., 2000 W.L. 76404 (App. Div. 2000); Ji v. Palmer, 33 N.J. Super. 451 (App. Div 2000)
A statement is material if: a) a reasonable person would attach importance to its existence in determining a choice of action; b) the maker of the representation knows or has reason to know that if its recipient regards or is likely to regard the matter as important in determining his choice of action although a reasonable man would not so regard it. See Ji v. Palmer, supra.
In Ji, the Appellate Division held that the trial court improperly dismissed the plaintiff’s Complaint at the end of the plaintiff’s case. The Appellate Division held that the plaintiff properly set forth a prima facie case and, as such, the trial court was mistaken and the case should be reinstated. In Ji, the plaintiff purchased commercial real estate and alleged that the defendant made an affirmative misrepresentation at closing that the Certificate of Occupancy satisfied the City’s requirement that a Certificate of Land Use be obtained upon transfer of title. The trial court, improperly, dismissed the plaintiff’s case because the plaintiff could not show that the misstatement was made knowingly. The Appellate Division reversed, holding that the plaintiffs were not required to show the defendant’s knowledge of the falsity of his statement or an intent to deceive. The plaintiff sufficiently proved that the defendant made a material misrepresentation of fact, which was false. The Court held: The Consumer Fraud Act is intended to protect consumers from deception and fraud, even when committed in good faith. An intent to deceive is not a prerequisite for the imposition of liability.
Most people do not understand that selling cars is a complicated process wherein the salesmen are specially trained to sell cars. They have rehearsed lines. They have specific instructions as to where to stand and where to sit at the dealership. Selling cars is a process. When you understand this it makes buying a car easier.