She sent it via secure email, so he printed it out to take a photo of it for facebook?
Maybe he's too stupid to block his personal information in a screenshot?
The letter is fake right?
It's got so many grammatical errors... It can't be a real Toyota form letter.
It's absolutely fake. They try to use their special secret language in it but businesses don't talk that way.
Looking at it, it's so close that I would have believed it, and I see these all the time. I've never seen one saying they were sending the title to have the lien removed, but in the state I live in they send it to you and you have to take it in to have the lien removed. If this is a fake it's actually decent.
The stray . and the use of the phrase "free and clear" were the only things that set off red flags for me.
Nowhere near legal, but could cause enough confusion within different departments to delay any sort of action from Toyota. 🤷🏻♂️
That's my thought too. Someone up thread mentioned that the VIN and vehicle info are missing, but he blacked out certain information so it could be behind that.
It's close enough that a harried person trying to get through their day could glance at it, go 'yeah, this looks right', and do whatever.
Oh man, as someone who worked directly with the finance side of TFS alongside many other car finance houses (and manufacturers and dealers) this amuses and traumatises me in equal measure. This ain't the letter you get from TFS, those do not gave grammar errors in them. They also would likely say the VIN or reg of the car that was coming off finance alongside likely your finance plan number.
Fucking sovcits.
Lol that never occurred to me. So he faked this...... because why? Jeez..
I wonder if the VIN and other vehicle information is behind one of the blacked out lines. The length of the second one looks like it could be there.
This idiot is gonna get busted for fraud. Aside from the letter, if this goes to court, they're going to need evidence that the account was actually paid in full. His bank is gonna have to show the transfers/checks, which we know he never made/wrote.
Guess they missed the "subject to a final accounting and receipt of good funds" part.
Those darned pesky buisnesses always wanting to do full accounting and making sure the funds are actually real.
A car company wanting the money it is owed. Imagine.
I can almost see this happening by accident, depending on how silo'd Toyota Financial services is, how automated its systems are, and how much the final payoff was. Overworked data processor sees something that looks like it might be a payment, issues the letter "subject to a final accounting and receipt of good funds," and sends it along. Maybe the next group is behind, or final payments bounce rarely enough that it's not an automated process to retract the payoff letter. So then whoever is responsible for sending out clear titles just sees the payoff letter and doesn't know that the payment never cleared, so they click a button that puts SovCit's title in the next batch. Meanwhile, finance itself is chugging along, probably just added an NSF fee and late fees to the increasingly overdue payments. SovCit is smug in how they paid off their car using their free money account from their IRS trust and is now deleting or tossing all correspondence from Toyota, who probably also can't be arsed to send someone out to re-po this shitbox they may already have made a profit on. Congratulations, world, the SovCit now thinks they did a thing.
Or the Facebook post is a fake, LOL. 🤣
I've seen weirder things happen.
Years ago, a friend had an amazing fuck up. They brought a brand new car. It actually worked out cheaper to get a year's interest free finance on it.
A year later, they went in (yes it was that long ago) to pay off the balance. What followed was a confusing conversation where they insisted they owed money, while the dealership insisted they didn't. They eventually realised the insanity, and instead asked for confirmation. They happily provided documentation that the car was fully paid off.
They kept the money in a high interest savings account for a few years. They never actually paid the rest of the balance, and were never chased about the money. Eventually, the money paid for a family holiday.
Damn that's amazing and smart by him on all accounts. Had his bases covered just in case and the money saved.
She, but it was definitely played well. They were honestly expecting a call to sort out the mix up. It just never came.
Yeah my uncle had a similar thing happen to him except he wasn't smart. Eventually the company in question worked out that the amount of money they thought they should have, was not the same as the amount they actually had, and did an audit, and worked out what had happened. But by this point my uncle had spent the money, because he's an idiot.
Keeping it in a high interest savings account is a good way of having your cake and eating it, even in the case that they end up chasing for the money.
FYI Humans aren't real.
What does a w4 sandwich taste like?
Bologna. Because they’re full of it.
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