Hi everyone. Apologies for the long post, but I believe this is directly relevant to members of this community, and Id like to relay the experience Ive had with a company called The Exotic Warranty Company over the past year. I have been extremely patient and overly-forgiving, have exchanged several messages with the companys owner, and it is only now, in utter frustration, that Im making a public post. I now believe very strongly that The Exotic Warranty Company is an entirely fraudulent operation and is operating in violation of the law. I strongly suggest that any fchatters who are considering purchasing a warranty from them stop doing so immediately, and any of you who have already purchased a warranty from them (and who have not made a claim) contact an attorney and/or your credit card company to seek reimbursement. If any of you have a warranty from them and have received payment for a claim, Id love to hear about it. The company has exhibited a pattern of deceit, lies, and changed stories over the past year, culminating in the same result: total non-action and non-payment of approved claims. It is for this reason, and because of this pattern of behavior that I have observed, that I believe it is a fraudulent operation. Unfortunately, this company is owned and operated by one of our own (Ben Evans "bentasm" here on fchat), and it saddens me to discover that an fchatter is behind this operation, but unfortunately bad business knows no bounds. The short version: I purchased a warranty from them for my 360 Modena, and informed the company upon purchase that the vehicle would be used as a rental. Over the past year, Ive made several warranty claims, most of which have been approved, none of which have been paid as of this date. Each time I call them, they either tell me a check is in the mail (none ever arrives) or come up with an excuse as to why a check isnt in the mail. They change their story with every phone call. This has been going on for months, no checks have ever arrived, and I can only come to the conclusion that there will be no end to this cycle and that the company is simply perpetuating a large-scale fraud. Theyve managed to fool me for a year, and its going to end now. Heres the story, in more detail: I purchased a 1-year warranty for my 360 Modena in April, 2004 for $2950. I explained to them that my vehicle would be used as a rental, and asked if there were any such restrictions, and was told that there were absolutely no use or mileage restrictions, and I was free to rent my car and would receive full warranty coverage. They sent me a sample warranty contract. Nothing out of the ordinary, no usage restrictions, coverage of all components listed. Seemed simple enough. First problem happens at the end of April. Nothing serious, just a blown F1 fuse, but I didnt know my right cylinder from my left gasket at that time, so I filed a warranty claim for the labor. Declined, as fuses arent covered under warranty (duh my bad). No problem. Memorial Day rolls around end of May 2004. F1 fuse was actually indication of a bigger problem, and the whole F1 pump + TCU (tranny computer) needed to be replaced. Filed a warranty claim F1 pump denied because it wasnt listed as a covered component (a problem with inclusionary contracts if it aint specifically listed, it aint covered. But you live and learn with that one). TCU, however, is listed as a covered component, and the company tells Classic Coach they will cut them a check directly for the ~$1400. Seems simple enough. Weeks go by. No check arrives. I call for status, and speak to Cheryl in the claims department. We sent a check weeks ago. I explain nothing has arrived, they agree to issue stop payment and re-send. More weeks go by. Still no check. I call for status again. Cheryl says: We sent a replacement check. You didnt get it? No. They agree to look into it and send a third check. More weeks go by. Now, rightfully, Classic Coach is annoyed at me and asks me to pay the ~$1400 directly. I do. I call the warranty company for status. NOW the story changes: Cheryl tells me: The claim is being denied due to your first claim of the blown fuse. We feel the blown fuse adversely affected the F1 pump and voided your warranty. But well offer to pay half. ????????? I couldnt believe that. First off, she essentially admitted that they never sent any checks, so theyd been lying to me. Second off, as any of you know, a blown fuse is a symptom of the problem, not a source of it. Third off, since when is warranty coverage a negotiation? Pay half? What kind of warranty is that? I explained that it was entirely unacceptable and that theyd better live up to their commitment and send the full amount. Cheryl agreed to get back to me. No word. Next: August 2004 rolls around. My exhaust manifolds spring a leak. I file a warranty claim. Denied exhaust manifolds are not covered. I could have sworn I saw they were, so I checked the contract. This is the EXACT text: Covered Components: Engine Cylinder block, heads, and all lubricated internal engine parts; manifolds; timing gears, (etc.) Last time I checked, there were two kinds of manifolds on an engine -- intake and exhaust. The contract says manifolds -- plural. That means all manifolds are included. Their response: No, we meant intake manifold. Exhaust manifold isnt covered. We changed our newer contracts to reflect that. Oh we MEANT intake manifold. Well maybe if they meant something it should have been in the signed contract I had. Unfortunately contract law doesnt really account for we meant and going and changing other contracts doesnt do a thing about the ones youve already signed. I called and again spoke to Cheryl. What happened then was one of the strangest conversations Ive ever had: Cheryl: <whispers> Listen, I cant say much here. But read your contract. Me: What about it? Cheryl: The 2nd to last paragraph Me: Where it talks about the dispute policy? Cheryl: <whispering again> Yes. Yes. I cant talk. Just read that and follow it. I cant say any more here. They're listening to me. The 2nd-to-last paragraph talks about the policy and procedure for filing an official dispute. I decided, perhaps to my detriment, that something fishy was going on and to instead try to just get the manifolds repaired. I got the manifold patched on my own dime (TIG welded), and moved on with life. Next: End of October 2004. Starter motor dies. Repair shop files a warranty claim (again, still having not received payment for either the manifolds or the TCU). Exotic Warranty Company approves claim. Weeks go by no check received. Sound familiar? Once again, I call them to find out where the check is. Cheryl tells me oh, we didnt know who to send it to. Please give us your address and well send all the checks. I do. No check ever arrives. Which brings us to March 2004 - 4 months later - I call again to see where everything stands. What does Cheryl tell me? Sorry, your vehicle is a rental. We dont provide any coverage for rental cars. Only private automobiles. All coverage has been denied. I blew a gasket. I cant emphasize enough how much it takes to make me get really angry, and this did it. I asked her how she could give me a different answer with a straight face every time we spoke. She assured me shed get back to me by the end of the day with some type of resolution. She called back at 4:00pm and said, Yeah sorry, were not providing any coverage because its a rental. I asked for her to tell me where in the contract it said that rentals were void. She told me that it didnt say that anywhere. I asked her why they sold me the warranty in the first place when I told them specifically and multiple times it was a rental and they assured me there would be no problem. Heck the contract is made out in the NAME OF THE RENTAL COMPANY for heavens sake! She had no response. She began to whisper in the same way that she did back when we were talking about the manifolds. I didnt want to hear it. I emailed the companys owner (Ben Evans) and told him that they had two options: They could pay the outstanding claims immediately, or they could refund my $2950 for the contract, which they now claim to have sold me improperly, apparantly. I said Id need an answer by the end of day. Once again, Ive been overly patient, and it's now nearly 2 MONTHS later, and I've still heard nothing. That was the last straw. I really think Ive been more than patient here. I will be filing a fraud claim the Attorney Generals offices in Florida and Alabama (where they have offices.) Then Im going to sue them. I am not a litigious or even inflammatory person by nature, as my friends and associates will tell you, but this is just outright insulting. I will keep everyone here posted. Thanks for listening to me vent. And stay far, far away from The Exotic Warranty Company. Ben Evans, shame on you.