AYOB MOTORS - no customer service.

Let me tell you about my recent experience with Ayob Motors.

I contacted Ayob Motors about a car that I was interested in buying as I had recently sold my Fortuner and needed a smaller car. I explained to the salesman Faadil Cajee that if we went ahead, I would be doing the finance application for Wesbank through my private banker. The reason for this was that I just settled more than R250k worth of accounts once I received the settlement for my Fortuner and not all of them had been updated on ITC, which I explained to him. He said not to worry and that even though they do not have a FNI, they do the applications themselves and know what they are doing. I asked again why they don't use a FNI and he then advised that they have one off site, which I said was fine as long as they understood the situation and was able to motivate it with the documents I would provide to them.

I asked Faadil to send me the OTP so that I could review it. The first one sent had the incorrect mileage and no OTR listed. The second one sent still had the incorrect mileage on it, so I asked him to confirm what it was via whatsapp as this was needed for the finance application, he eventally sent me a picture of the exact mileage from the dashboard. He fowarded me a whatapp message asking me to send him my documents, this should have raised alarm bells to be honest. I once again told him that I would make the application with Wesbank however he could make the application with the rest of the banks to which he agreed. I asked him if he didn't require me to full out an application form(as far as I know, consent is normally required to do a credit check) but he confirmed that there is no application form needed, I just needed to send him all the required documents, which I did and once again sent him a message confirming that he should not make the application with Wesbank. I even sent him a message telling him to get his FNI to give me a call if needed needed any of the supporting documents showing that my credit was significantly reduced in the last 2 weeks, which he said he would do.

He said that he would contact me in the morning to let me know once the application had been loaded, which he didn't. I contacted him in the morning when I didn't hear back from him and he advised that my application was declined to a low credit score. I asked him to provide me with further information on this as it shouldn't have declined had the application been motivated with the correct supporting documents. It turns out that not only did they not do any motivation but they also went ahead and made the application to Wesbank, despite me specifically asking them not to as this makes it harder for my private baker to motivate the request with my actual updated expenses. When I spoke to Faadil to ask him why they had made the application to Wesbank, he said that is what they do and it is out of his control and it doesn't make a difference as the application was declined by all banks anyway. He was under the impression that I was upset because the application was declined, it was of no consequence that he went ahead and applied with a bank I specifically asked him not to! I am not surprised that my application declined, if I went to buy another house today, before the bond on my current house was taken off my ITC score, yes it would decline...that does not mean that I have not been paying for my house for the past 10 years and that my credit score was not good. To make matters worse, the owner of Ayob motors calls me and starts to scream at me about how he has been in business since 2016 and I have an issue because I have bad credit on my name, he didn't even bother to ask me what was the problem. He has no issue with the fact that a credit check was done with Wesbank without my consent or that nothing that I was told will happen, did happen. I did not expect them to magically make my application to be approved, however I did expect that they at least listened to what I had to say.

Needless to say, I will never be buying a car from this dealership nor recommend them. I have gotten my finance now for my car with a dealership who actually listens to their customers and are able to understand their needs.