I don't subscribe to the view that all car dealers are crooked, although judging from our collection of car dealership horror stories -- of which I have a backlog to add -- I'd guess there are still quite a few out there who are. I always urge people not to vilify car dealers right off the bat... at least not until they misbehave.
Of course, sometimes you don't know your dealer has misbehaved until a few days after you drive off the lot, when they call to tell you there's a problem -- your financing fell through and you have to pay more money. This is the time-worn spot delivery scam, otherwise known as "yo-yo financing".
Unfortunately, many victims of this scam wind up giving in to the dealer's demand for more cash. Shame, because they really didn't have to. Find out all about this swindle -- how it works, what to do if a dealer tries to pull it on you, and ways to spot it before it happens -- in my latest article, The Spot Delivery Scam. -- Aaron Gold