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Snap On dealer scamming his customers....

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Tanro

Well-known member
Joined
Feb 14, 2015
Messages
98
Not the first guy in Alabama to do this...

My last snap-on dealer did it until he got fired. Then somehow got a job with another franchise.

I always got receipts from him. He tried that ******** the computer is down right once, and I said well it seems my wallet is broken right now too.
 

Snakebyt

Well-known member
Joined
Sep 2, 2014
Messages
1,075
Location
Lubbock Tx
my snap on dealer always gives me a reciept, there have been a couple times when he didnt have his truck, but he would text a copy of the reciept later on in the day
 

Spiffers

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Joined
Jul 4, 2018
Messages
92
Location
Tennessee
So he got 16k off 2 people? If there is more than just those 2 how much could he have banked if he hadn't got caught.
 

Tallpilot

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Joined
Jan 13, 2017
Messages
2,384
Location
Orlando
Pretty sure 16k isn’t going to cover his legal bills. I have little patience for thieves.
 

LXCam

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Joined
Apr 23, 2013
Messages
19,155
Location
AZ
Welp that thief withstanding getting what he deserves. Any of his customers whom are less then honest are going to be able to pile on as well.
 

BDT/NWMN

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Joined
Jan 22, 2012
Messages
3,762
Location
Erskine, Mn
Was he stupid enough to think his Customers would not eventually notice?

I wonder if Snap-on Corporate will remain seated during this investigation.
 

Thirdyfivepickup

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Joined
Nov 15, 2016
Messages
1,949
Location
Portage, Indiana
Welp that thief withstanding getting what he deserves. Any of his customers whom are less then honest are going to be able to pile on as well.


He got $16k from his customers... when they announce it in court and all of the sudden its $35k due to people giving him a taste of his own medicine
 

Trey T

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Joined
Aug 3, 2011
Messages
3,749
Location
Houston, TX
There's a good lesson for the day - don't finance tools. If you can't afford it today, go somewhere else
 

AA/FC

Well-known member
Joined
Dec 9, 2010
Messages
2,080
I ALWAYS got a receipt from my Snap on dealer. In fact, if the computer was down for whatever reason, my dealer would NOT accept a payment from me even if I tried to pay. I'm glad that I paid that dealer off, and I'm no longer involved with weekly tool trucks.
 

anndel

Well-known member
Joined
Oct 28, 2015
Messages
3,270
Location
Hawaii, USA
My Snap-on driver here in Hawaii is an honest hard working person and good all around guy. I try to pay him ASAP on tools I buy.
 
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Skin

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Joined
Feb 24, 2010
Messages
11,713
Location
Boston
Was he stupid enough to think his Customers would not eventually notice?

I wonder if Snap-on Corporate will remain seated during this investigation.

With enough bad PR they might but I've read more than a few stories on here of dealers going out of business and not crediting their payments and when they call Snap-On Credit they get told its not a Snap-On problem. I wouldn't trust them to have my back through the finance a candy bar let alone a tool box.....Stupid example but you get what im saying.
 

LXCam

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Joined
Apr 23, 2013
Messages
19,155
Location
AZ
My Snap-on driver here in Hawaii is an honest hard working person and good all around guy. I try to pay him ASAP on tools I buy.


Considering he's trapped, I..bet..he..isss. :lol_hitti


One good thing about him. He might be able to skip town with some loot, but he sure ain't taking the truck with him. :thumbup:
 

BDT/NWMN

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Joined
Jan 22, 2012
Messages
3,762
Location
Erskine, Mn
With enough bad PR they might but I've read more than a few stories on here of dealers going out of business and not crediting their payments and when they call Snap-On Credit they get told its not a Snap-On problem. I wouldn't trust them to have my back through the finance a candy bar let alone a tool box.....Stupid example but you get what im saying.

It would would look sad for Snap-on if the customer furnished cancelled checks and dated receipts from the dealer, and didn't honor them. To the customers, the dealer is Mr. Snap-on or Snappy; and represents the company. Shame on the customers if they used blind faith and neglected to keep track of their payments and receipts..

I am glad these issues are discussed on GJ. Potential victims can take it as a warning. :beer:
 

Tallpilot

Well-known member
Joined
Jan 13, 2017
Messages
2,384
Location
Orlando
It would would look sad for Snap-on if the customer furnished cancelled checks and dated receipts from the dealer, and didn't honor them. To the customers, the dealer is Mr. Snap-on or Snappy; and represents the company. Shame on the customers if they used blind faith and neglected to keep track of their payments and receipts..

I am glad these issues are discussed on GJ. Potential victims can take it as a warning. :beer:

I’ve never had a ‘dealer’ despite my efforts to attract one. I don’t quite understand making Snap-on credit payments to a franchisee. I understand truck credit (an unsecured interest free loan from the dealer) and I understand interest bearing credit from Snap-on corporate.

What I don’t understand is using the ‘dealer’ as an intermediary. If I used my American Express to buy a TV from Best Buy I wouldn’t stop by the store every week and give them $20 expecting them to send it to AmEx. I would just pay AmEx since they held the debt.

Would someone with experience please explain why a mechanic who takes out a loan with Snap-on credit pays his ‘dealer’ for that loan?
 

WittHay

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Joined
Jan 6, 2016
Messages
2,157
Location
Surrey, BC Canada
Snap-on is the bank and the dealer is the branch. Snap-on corporate credit is more like a line of credit than a car loan but both involve dealers or branches to do the leg work.

Haven't bought anything on Extended Credit (EC) for a long time, but your receipt used to have your revolving account, 30 day and EC balances on it. EC payments are usually debited from your bank account, but dealers will except payments except mine, regular payments are bank debit only in the last couple of years

The standard $5000 tool box example would show up on your EC account balance with monthly interest charges applied and payments deducted.

If you have a extra grand kicking around you give it to the dealer and he applies it to the EC account. Same as going to the bank teller to pay down a line of credit
 
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BDT/NWMN

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Joined
Jan 22, 2012
Messages
3,762
Location
Erskine, Mn
I’ve never had a ‘dealer’ despite my efforts to attract one. I don’t quite understand making Snap-on credit payments to a franchisee. I understand truck credit (an unsecured interest free loan from the dealer) and I understand interest bearing credit from Snap-on corporate.

What I don’t understand is using the ‘dealer’ as an intermediary. If I used my American Express to buy a TV from Best Buy I wouldn’t stop by the store every week and give them $20 expecting them to send it to AmEx. I would just pay AmEx since they held the debt.

Would someone with experience please explain why a mechanic who takes out a loan with Snap-on credit pays his ‘dealer’ for that loan?

That is a good point to bring up. It was part of the red carpet service where the truck account payment and the loan payment could be made as a single weekly payment. Basically letting the Dealer do the book work, and saving the customer a stamp. Many of Us gave little thought about getting ripped off by Snappy. I have always saved my receipts, and was fortunate to have honest dealers. I recall a dozen other business ventures where I was ripped off by people I knew and trusted. It now seems I didn't qualify at knowing them good enough. :lol_hitti
 

mike93lx

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Joined
Dec 9, 2013
Messages
37,671
Location
Richmond, VA
I’ve never had a ‘dealer’ despite my efforts to attract one. I don’t quite understand making Snap-on credit payments to a franchisee. I understand truck credit (an unsecured interest free loan from the dealer) and I understand interest bearing credit from Snap-on corporate.

What I don’t understand is using the ‘dealer’ as an intermediary. If I used my American Express to buy a TV from Best Buy I wouldn’t stop by the store every week and give them $20 expecting them to send it to AmEx. I would just pay AmEx since they held the debt.

Would someone with experience please explain why a mechanic who takes out a loan with Snap-on credit pays his ‘dealer’ for that loan?

Lots of people used to pay their sears card and discover card bills in the store. Same as this. The store isn't issuing the credit line, a bank is. It's just being rebranded.

That was before online banking was big, but a lot of people grew up with it being an option. If you can avoid a stamp and writing a check, why not? Most people are trusting.
 

dwasifar

Well-known member
Joined
May 28, 2017
Messages
2,096
"He also says that Raley has taken around 16 thousand dollars and if you are a Snap-On Tool customer and this has happened to you and you decide to contact the department you can ask for him as he is the one investigating this case."

2018 Run-On Sentence semifinalist.
 

2manytools

Well-known member
Joined
Feb 2, 2016
Messages
4,340
Location
Mt Pleasant, MI
Lots of people used to pay their sears card and discover card bills in the store. Same as this. The store isn't issuing the credit line, a bank is. It's just being rebranded.

That was before online banking was big, but a lot of people grew up with it being an option. If you can avoid a stamp and writing a check, why not? Most people are trusting.

What store do you go in for you discover card payment?

From the business's perspective, they would like to have the in-store payment option for the possible additional sales it could generate. One way for more foot traffic.

The drawback is more money to handle, as I imagine a lot of in-store payees are doing so by cash, and less time to focus other duties.
 

mike93lx

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Joined
Dec 9, 2013
Messages
37,671
Location
Richmond, VA
What store do you go in for you discover card payment?

From the business's perspective, they would like to have the in-store payment option for the possible additional sales it could generate. One way for more foot traffic.

The drawback is more money to handle, as I imagine a lot of in-store payees are doing so by cash, and less time to focus other duties.

It was Sears that you could pay discover at. That stopped several years ago
 

dscheidt

Well-known member
Joined
Apr 26, 2017
Messages
2,904
Lots of people used to pay their sears card and discover card bills in the store. Same as this. The store isn't issuing the credit line, a bank is. It's just being rebranded.

That was before online banking was big, but a lot of people grew up with it being an option. If you can avoid a stamp and writing a check, why not? Most people are trusting.

I worked in a department store for a while. I was amazed at how many people came to a register (any register, I sold ties...) to make a payment on their store card account.

It's worth pointing out that the store issued the accounts, not a bank. It was a profitable business, in some cases making more money than the retail sales on the card did. It wasn't until the late 90s or early 2000's that they were all bank issued.
 

Lookin4'67Galaxieconv

Well-known member
Joined
Jul 2, 2008
Messages
16,632
Location
Atlanta, GA
"He also says that Raley has taken around 16 thousand dollars and if you are a Snap-On Tool customer and this has happened to you and you decide to contact the department you can ask for him as he is the one investigating this case."

2018 Run-On Sentence semifinalist.

The whole article reads as if it was written by a 5th grader. :lol_hitti
 
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