On July 8, 2009, I spoke to Spencer Crump, an alleged car salesman, from H&S Autos Direct 617 Palisades Avenue Englewood Cliffs NJ 07632, about purchasing an Automobile 2005 for myself. Based on the fact that I had poor credit, Mr. Spencer Crump recommended an associate of his by the name of Michael Sheika of Investment Car Care Group that would be able to assist me in financing a vehicle regardless of my credit score. Shortly after, Mr. Spencer Crump and I met Michael Shieka, who is the brother of Omar Sheika, the famous Boxer, at his office at 71 Mary St. Apt 2 Woodland Park. Once there, Mr. Micheal Sheika explained to me that he would be successful in receiving the approval for the car loan, however Mr. Spencer Crump said he needed the down payment for the car because the car was going to be purchased from the auction at a reduced price, saving me from paying the high retail value of the car... I, regretfully gave Mr. Spencer Crump 5, 000 dollars cash and asked for a receipt. Since, I had arrived on such short notice; Mr. Michael Sheika gave a hand written rent receipt for the latter amount because he was out of formal receipts. Due to the informal nature of this receipt, I demanded an official receipt! Mr. Spencer Crump ensured me that he would issue me one from his alleged company H&S AutosDirect once he returned to his office later on that afternoon. The following day, Mr. Spencer Crump never produced a receipt for the down payment of $5, 000 dollars. It was from this point on that I questioned the validity of deal. The next day, I contacted both Mr. Spencer Crump and Mr. Micheal Sheika and informed them that I was backing out of the deal and I expected my funds to be returned. After numerous attempts to recover my money on July 10, 2009, Mr. Spencer Crump and I met up, where he signed a bad check from Capital One Bank for the amount of 5, 000 dollars. NOTE: all my attempts to cash the check were unsuccessful due to insufficient funds in that account. After numerous heated phone calls, they assured me that I would receive the balance of 5000 dollars the following day, which never took place! Finally, after countless dead end phone calls and a battery of empty promises, all subsequent attempts to communicate with the Mr. Spencer Crump and Mr. Micheal Sheika eventually ceased with each of them changing their phone numbers. Consumer BEWARE, these guys are RIPOFF ARTISTS!!!