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I have since been informed that this practice is illegal. I do not know if this is the case in all fifty states; but beware of entering such a contract. We were also told that we or our insurance would be responsible for the vehicle while it was in our possession. This too may not be standard practice: another dealer I spoke with would not allow a vehicle to leave the lot because their insurance had refused to cover it after an act of damaging vandalism and would only give it a salvage title. In other words, it would have been covered during an inspection by the seller's insurance.
During the inspection conducted by our mechanic, he found the vehicle "did not have one solid part underneath," and the engine mounts were completely rusted through and in danger of breaking at any time. His parting words, "Don't drive over any railroad tracks," on our way to return the car. He wrote a blistering report which we gave to the dealer to get our deposit back. They are now in full possession of the facts regarding this unsafe and unsound vehicle. As of today, 07/28/2020, they continue to list it on their website and CarGurus.com for $5900, with no mention of the damage. I am deeply concerned that buying this vehicle may cost an innocent person his or her life. Unfortunately, I cannot find a better place to report this.
I will never deal with Shepherd's, and I cannot recommend anyone else to do so.