Toolman trying to collect his due

[Vinko]

 

[G1GRANDEUR]

he should have used 1/2 torque wrench.

people like that need to hit by SO tool box. lol

 

[tonydanzah]

Its to long and you can't tell what the lady is saying.

 

[kwhitelaw]

this is why my old dealer went out of business.

and my new dealer wont let you run a truck account unless he knows you really well..

****** situation. hope that dealer had his paperwork etc but something tells me he didnt or he'd have the cops up there.

 

[SS5150]

It ***** that POS deadbeats like that ruin things for real mechanics that pay for their tools.

We had a guy last year that was gonna skip out on our Cornwell guy for a few hundred.....we did an in house repo for him.

 

[kooldino]

I'm sure that happens all too often.

At least it didn't end in a fight.

 

[mkdive]

That freaking *****. Made me sad watching a dealer trying to beg for his tools back. Then the dirt bag POS stands there and tells him he cant have them and he will only pay $30 a week....both knowing he will flake on even that. Hope he gets his tools back.

What a pile of **** that guy is.

 

[Toolhorder]

I don't feel bad for the guy at all. He should have taken legal action not argued in front of the shop. I've been the guy on the other side before.

I remember I got behind once with the Snap-On dealer on a Snap-On corp. account for a box I bought. I owed like 400-500 on the account and I started at like 5K. Anyway the district manager comes by one day while I'm on the job and tells me he's taking my toolbox and everything in it right there no warning nothing. Now I know that I'm late but not that late. I tell him there is no way I'm giving up the box as I owe 400-500 bucks on the account and I'm going to pay it next week when I get paid. He starts screaming at me to give him the keys. I told him he would need to come back after hours and he grabbed my box handle and acts like he's taking it. I yell for my service manager and he comes over and after asking nicely he had to threaten to call the cops for trespassing to get the guy to leave. I lock my box up and call Snap-On corp. and they tell me I'm too late to make a deal with them I can only pay off the balance. I take the box home that night and swap my tools inside into a smaller Mac box I had at home and take it to work the next day. The Snappy guy comes back and I tell him to pound sand. He threatens me and gets all crazy and I tell him in a week the account will be paid in full. Honestly it was my fault for not paying on time but I'm not losing my tools inside the box over it. The guy was saying they would sell the box with it's contents and send me a check for whatever they get over the balance. Yeah right.
The next week it was paid in full, account closed forever.
Another thing that was BS was my regular dealer was taking payment for my account and not paying snap on corp. which made me more late (over 60 days) when in reality I was 30 days late. After that I'll NEVER finance again.

 

[stricht8]

These guys are just trying to make a living. If you can't afford the tools then you always have the option of buying craftsman or HF tools.

 

[mrshaun]

if problems come up always call your finance company and tell them things are going to get rough. they can and will work with you. as long as they know what is going on it makes it easier to keep your tools.
My last repo I had to have the cops stand outside and after two years of looking for the guy it was done. not a word was said, but when I came in and told him the week previous that I was taking his box, he flipped out.

 

[clueless]

my dealer is good about things such as this. im usually ahead of the game somewhat.if im a little short he makes sure the box payment goes out,then the truck payment. he doest harp on the weekly payment is this amount,peroid! usually $20/week,sometimes more,depending on how my week went!

other than that he will work with you.he has made payments for guys who he knows and trusts and they make it up in the end. know a guy who bought a 4000 box on the truck account,paid him a good chunk every week till it was paid off.but he didnt have to do it through the truck,could have went through snapon credit but didnt.

had a mac dealer years ago say i gave him a bad check,put the extra check charge on my account,wasnt me,but a guy i worked with with the same frist name. when i told him it wasnt me his wife the $$$ person continued to say it was me, well,you owe me this amount,which was about $40,plus another $35 for the check,he came in, i gave him the $40,told him close my account out with him,.dont even leave any flyers on my box,or stuff like that.he told me i still owed him the nsf check,told him pound sand,wasnt me. next week comes in,comes over trying to smooth it over since they found out it wasnt mine.still told him dont leave flyers or anything on my box.he tried to give me one,walked over to the trash and threw it out right in front of him.told him it will be an awfully cold day when i buy anything from him again!

our present mac dealer doesnt come to our shop, there is only 2 of us,so he feels that it isnt worth his time.oh well,missing out on some coinage we would have spent on drill bits and such.but who knows how long he will be around!

 

[flashpuppy]

I don't feel bad for the guy at all. He should have taken legal action not argued in front of the shop. I've been the guy on the other side before.

I remember I got behind once with the Snap-On dealer on a Snap-On corp. account for a box I bought. I owed like 400-500 on the account and I started at like 5K. Anyway the district manager comes by one day while I'm on the job and tells me he's taking my toolbox and everything in it right there no warning nothing. Now I know that I'm late but not that late. I tell him there is no way I'm giving up the box as I owe 400-500 bucks on the account and I'm going to pay it next week when I get paid. He starts screaming at me to give him the keys. I told him he would need to come back after hours and he grabbed my box handle and acts like he's taking it. I yell for my service manager and he comes over and after asking nicely he had to threaten to call the cops for trespassing to get the guy to leave. I lock my box up and call Snap-On corp. and they tell me I'm too late to make a deal with them I can only pay off the balance. I take the box home that night and swap my tools inside into a smaller Mac box I had at home and take it to work the next day. The Snappy guy comes back and I tell him to pound sand. He threatens me and gets all crazy and I tell him in a week the account will be paid in full. Honestly it was my fault for not paying on time but I'm not losing my tools inside the box over it. The guy was saying they would sell the box with it's contents and send me a check for whatever they get over the balance. Yeah right.
The next week it was paid in full, account closed forever.
Another thing that was BS was my regular dealer was taking payment for my account and not paying snap on corp. which made me more late (over 60 days) when in reality I was 30 days late. After that I'll NEVER finance again.

That's terrible. If you know you're late, then deal with what happens. If you can't afford it, you shouldn't have it. You are a disgrace.

 

[Hiball]

It was hard to understand but he acted like he knew he was a previous deadbeat, He referenced that he skipped/owed another tool guys. Why give the guy $1900 in Truck Credit?, Im by all means not defending the guy who took the credit and made it hard for dealer to collect. Because that is BS.. But i would think these guys would know better. I suppose its kinda chance you have to take to make any money, Maybe business was slow. Regardless he is right it will take him years to get his money back and the Law protects deadbeats. I had some rental houses for awhile and I considered myself a good landlord but i cant stand being lied too, I can deal with Rent being late.. If they contact me and let me know whats going on. Dont hide, Not answer your phone etc.... I finally gave it up, Not because i wasnt making any money but because i was spending too much time in small claims court. Not only could you win your judgement but then you had to track them down again, find out where they work, start garnishment, Find out where there new job is when they Quit.. ETC... ETc... BlAH!!

 

[t100]

I bet 5 bucks on these tools are with the pawn shops before the toolman showed up.

 

[medinacaver]

Does Snap On have their own credit card service like most retailers have? You know how they push the sears card. Even offer 15% off 1st purchase with sign up.

Something inside tells me they don't. But, if they do, why would a independent truck dealer issue his own credit? If corporate runs a credit check and issues somebody a snap-on card, then corporate takes the credit risk. The dealer gets instant payment on all card purchases. And maybe the dealer could make some extra $$ as a corporate "Repo Man"?

Through this site I am becoming educated in the uniqueness of the Snap On (or any truck tools sale) business model. I see much risk (transferred from corporate to the Dealer), I sure hope reward for the drivers is there somewhere.

Thanks, MC

 

[Hiball]

Through this site I am becoming educated in the uniqueness of the Snap On (or any truck tools sale) business model. I see much risk (transferred from corporate to the Dealer), I sure hope reward for the drivers is there somewhere.

Thanks, MC

If it wasnt they wouldnt be around, I Suspect there is alot of dealers who dont issue truck credit (unless its a longtime customer) and push there customers towards Snap on Credit so a third party is involved and they get there money regardless. Then again during economic slow times and financial companies not offering credit as freely as they used too, I suspect there are some dealers who are taking chances trying to make some money.

 

[flashpuppy]

What makes them unique is how they HAVEN'T changed. One used to be able to get credit at many places, hardware store, gas station, groceries, tool guy.... Every other place has gone away from that to avoid the risk. The tool truck credit is all up to the driver. Sometimes hindsight is 20/20....

 

[mossyboy6]

I would never screw someone like that, and it makes me sad to think that there are so many people that would.

I would rather sell my car and be car-less to pay someone back than to owe someone.

 

[Skyline]

Does Snap On have their own credit card service like most retailers have? You know how they push the sears card. Even offer 15% off 1st purchase with sign up.

Something inside tells me they don't. But, if they do, why would a independent truck dealer issue his own credit? If corporate runs a credit check and issues somebody a snap-on card, then corporate takes the credit risk. The dealer gets instant payment on all card purchases. And maybe the dealer could make some extra $$ as a corporate "Repo Man"?

Through this site I am becoming educated in the uniqueness of the Snap On (or any truck tools sale) business model. I see much risk (transferred from corporate to the Dealer), I sure hope reward for the drivers is there somewhere.

Thanks, MC

I asked my dealer why he used truck credit for almost all purchases, including boxes. His answer was that he did not want Snap-on breathing down his neck if a customer was late. This way, it's his own show, 100%, win or loose. This guy is highly successful, so I guess he can easily afford it, but I've seen him get beat too. I think he makes more money by financing on truck credit as well, assuming the customer pays.

 

[Griff93]

Another thing that was BS was my regular dealer was taking payment for my account and not paying snap on corp. which made me more late (over 60 days) when in reality I was 30 days late. After that I'll NEVER finance again.

This kind of **** is a good reason to pay snap on corporate directly. I used to send them a monthly check myself. There was another guy on here talking about a matco dealer doing the same thing and he ended up losing his box over it even though he had paid for it.

 

[medinacaver]

Yes Flashpup, your right. You said, "What makes them unique is how they HAVEN'T changed. One used to be able to get credit at many places, hardware store, gas station, groceries, tool guy.... "

I should have gone back in history a little further. A person's word was his 'Bond'. My dad worked in a small hardware store with his family and used to tell of doing the books. Which included all the town's accounts.

Reminds me of a saying. Don't know who gets credit. "What is honour? Honour is what no man can give you and none can take away. Honour is a gift man gives himself."

I guess this is what is lacking in some of the Snap-on's customers and I guess the world as a whole.

I think if I owed an independent dealer $$, I would come over nightly to cook, do dishes and clean his truck just to to keep my reputation intact. Hell, he wouldn't have to find me, he would be trying to get me to leave him alone.

MC

 

[boostedgt]

years ago we had a snap on dealer that quit while i had a positive balance of $3 or so. i lost the documentation so tracking him down will be a waste of time lol

 

[X1 Mike]

I don't feel bad for the guy at all. He should have taken legal action not argued in front of the shop. I've been the guy on the other side before.

I remember I got behind once with the Snap-On dealer on a Snap-On corp. account for a box I bought. I owed like 400-500 on the account and I started at like 5K. Anyway the district manager comes by one day while I'm on the job and tells me he's taking my toolbox and everything in it right there no warning nothing. Now I know that I'm late but not that late. I tell him there is no way I'm giving up the box as I owe 400-500 bucks on the account and I'm going to pay it next week when I get paid. He starts screaming at me to give him the keys. I told him he would need to come back after hours and he grabbed my box handle and acts like he's taking it. I yell for my service manager and he comes over and after asking nicely he had to threaten to call the cops for trespassing to get the guy to leave. I lock my box up and call Snap-On corp. and they tell me I'm too late to make a deal with them I can only pay off the balance. I take the box home that night and swap my tools inside into a smaller Mac box I had at home and take it to work the next day. The Snappy guy comes back and I tell him to pound sand. He threatens me and gets all crazy and I tell him in a week the account will be paid in full. Honestly it was my fault for not paying on time but I'm not losing my tools inside the box over it. The guy was saying they would sell the box with it's contents and send me a check for whatever they get over the balance. Yeah right.
The next week it was paid in full, account closed forever.
Another thing that was BS was my regular dealer was taking payment for my account and not paying snap on corp. which made me more late (over 60 days) when in reality I was 30 days late. After that I'll NEVER finance again.

Shows a complete lack of character.

 

[Shadowdog500]

That's terrible. If you know you're late, then deal with what happens. If you can't afford it, you shouldn't have it. You are a disgrace.

I disagree, The only reason corporate showed up was because the dealer didn't pass the payments to them for the two months previous. I doubt that they show up and take everything when you are one month behind, with only 10% or less remaining on the balance. I wonder if the dealer pocketed the money with the intent to pay it back later. I had a condo association that pulled the same trick and got a year behind on our water bill. Everyone in my old development had to pony up allot of money to keep the water turned on.

We have several tool dealers on this forum. Is this type of confrontation seen in the video typical when trying to collect tools?

I never got truck credit, do you sign something legally binding, or is it a handshake agreement?

Chris

 

[Rusty Kustoms]

I have had tools repoed, it was MY choice. I was just out of college and in over my head, I got laid off and decided to move 150 miles back home. I knew I would not be able to make payments for a while so I let the dealers take what they needed to pay off my balance. The mac dealer wanted to work with me, I only owed him for a box I had on my truck account, he told me to sent $50/month until I could afford the payments again. I declined, I did not want to put him in the position of trying to find me if I couldn't pay up. That was tough to do, give up a custom ordered tool box and move back home with rubbermaid totes full of tools. I think that people who run are cowards, if you can't afford it then it doesn't belong to you.

 

[galwaytt]

Shows a complete lack of character.

I'm afraid I disagree: the debt not withstanding, with 90% of the money paid, the 'dealer' is wrong. You cannot, or should not, be trying to repo that which is paid for. The last 10%, maybe, but not the stuff that's paid for.

It also displays a complete lack of, at the very least, manners on the part of the tool guy. What is it they say, 'one good experience will generate another, but one bad one will be retold 7 times', or somesuch ? Purely from a business standpoint, acts like that will just lose you business at least in that shop, if not the locale. Very shortsighted behaviour.

 

[bgott]

Is Snap-on corporate credit " recourse" paper? Meaning, does Snap-on roll the debt back on the dealer if the customer goes deadbeat?

 

[TheGrooveking]

I'm afraid I disagree: the debt not withstanding, with 90% of the money paid, the 'dealer' is wrong. You cannot, or should not, be trying to repo that which is paid for. The last 10%, maybe, but not the stuff that's paid for.

It also displays a complete lack of, at the very least, manners on the part of the tool guy. What is it they say, 'one good experience will generate another, but one bad one will be retold 7 times', or somesuch ? Purely from a business standpoint, acts like that will just lose you business at least in that shop, if not the locale. Very shortsighted behaviour.

I hate to say it but if you pay 90% on your car or house and stop making payments you lose your car or house, so why should it be different with tools/toolbox? I realize that you build up a relationship with the tool guy, hell my Matco dealer and I exchanged Christmas gifts annually for 6 years until he moved up to a Distribution Manager's role. I eventually changed jobs and wasn't buying as many tools, but there were times my balance was pretty high and only once in many years did I not have the money for the guy and that was because of a family emergency.

Your tool bill is just like any other bill, you make it, you know its there and then expecting them to change their expectations because you've paid "X" amount into is just unreasonable.

TheGrooveking

 

[Toolhorder]

I hate to say it but if you pay 90% on your car or house and stop making payments you lose your car or house, so why should it be different with tools/toolbox? I realize that you build up a relationship with the tool guy, hell my Matco dealer and I exchanged Christmas gifts annually for 6 years until he moved up to a Distribution Manager's role. I eventually changed jobs and wasn't buying as many tools, but there were times my balance was pretty high and only once in many years did I not have the money for the guy and that was because of a family emergency.

Your tool bill is just like any other bill, you make it, you know its there and then expecting them to change their expectations because you've paid "X" amount into is just unreasonable.

TheGrooveking

That's true and I even agree but like I said I was 30 days late that's hardly a repo situation. I was dumbfounded when the route manager shows up and starts getting grabby with the box full of MY tools which I didn't finance. At the time I had at least 10K worth inside the box.
Certain people have made judgements based on my story about my character but they obviously didn't read the whole post. I was making timely payments and the dealer wasn't sending them to Snap-On Corp. like HE should have been doing. That's a disgrace...
I didn't even tell the end topper of the story. Years later I go to buy a house and I'm told by the finance company I'm applying for a home loan with that after running my credit I have a 5 yr. old charge off from Snap-On tools for $3
I was furious!!!!!!!!!!
I called them up and was told I payed in full but before my credit card payment posted the computer added finance charges of $3. They said they would fix it right way and it was NEVER fixed and is probably still on my credit. I just disputed it on all my credit reports and sent them my "payed in full" contract to back up my story.
What's fair is fair, I wasn't dodging my responsibility at all. If the dealer would have owned up to not making my payments I wouldn't have even been in the situtation I was in. If I was actually that late they could have taken the box only and I would haven't resisted as it would have been my fault.

Some of you shouldn't be so judgemental all the time. Nobody in this world is perfect.

 

[Toolhorder]

Is Snap-on corporate credit " recourse" paper? Meaning, does Snap-on roll the debt back on the dealer if the customer goes deadbeat?

No I don't think so.