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so I bought a car on Saturday and on Wednesday i was called by the finance department saying they forgot to add the license fee and i need to go in a sign a new contract. What do you recommend me doing?

I definitely wanted to put a small comment to appreciate the awesome tips and hints you are showing at this site. Thank you for your helpful contribution to myself and others.

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In texas the salesman said they couldnt return my trade in so Im stuck with a new car that i think is over priced and I realy dont like how can I get out this vehicle the trade already been paid for in full but I dont have that good of a credit about 654 I dont want the car am i stuck with this new car loan or what can I do I made down payment but havent made 1 payment its due on sept 19 and they havent given any paper work just who going to be financin the car I know I made a mistake but do I have to pay for this i WANT OUT PLS. HELP

We purchased a vehicle 10 weeks ago signed contract put money down and have all the paperwork then dealership calls Friday evening says bring car back cant get financed is that even possible after that long do we have any rights? We live in Missouri and Im not sute what to do?

Great post thank you

My husband & I went to a dealership to look at a specific vehical and when we decided that it was the one we wanted all papers were signed and not to mention we got a 2yr/24000mile warrenty ...were HAPPY as can be, we get 4 miles up the road when the low collent light comes on, the car starts over heating.. and warning dingers go off.. we go back to the dealership they put it in the garage to look at it, when they finally decide to come out we are told that there is a head gasket blown.. the sales guy says it is gonna cost to much to fix and offers us a different car that is older and not very nice looking,, we declined on the second vehical... but I need to know if it is legal for the salesman to cancel the contract when we had a warrenty even tho we were only off the lot a half hour

hi my name is linda i brought a suv about a year and a half ago and i have paid on this suv all that time and the amount that i started of with is still the same today as it was a year and a half,i have ask them about that and all they can say is it going down a little this is what they do to you when you have no place to go after chapter13 so i told them they can come a get the suv and i had being paying them 700.00 a mount what should i do about it

I bought a used car from a private seller. I've had this car less than one month and the transmission has gone bad. what rights do I have?

I couldn't agree more with the sentiments of this post. Really good quality information and well presented. I'll certainly be returning for more great reading. Cheers

Dave - http://autoinsurancediscounterszone.com

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I purchased a brand new vehicle from a dealership and they took my 2007 Honda Civic ($10,000 Trade-In Value) and $500.00 cash down-payment. I asked the salesman and the finance department at the dealership if there would be any problems shipping the vehicle with me to Germany for my upcoming PCS. Well after contacting the bank that financed me they refused to let me ship the vehicle due to no having 12 consectutive payments. No where in the contract does it state this and I informed the bank of this. They stated "well its out policy". Anyhow I am fighting with bank and car dealership to get my trade-in (value) and deposit returned to me. Which of course they are refusing to do. The dealership is refusing to take my calls or emails. The bank is wanting me to have the security forces at the base I came from to release the vehicle, but they need my permission to do so. I am currently in possession of the keys because the Dealership actually shipped the keys back. Do I to obtain a lawyer. I beleive this was fraud from both parties. Nothing is in writing about shipping a vehicle, common sense would be a indicator that being military I would be moving at some point.

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we offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,
debt consolidation, re-financing and also establishment of business
outfits.We are international loan firm and Lenders that has offered
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I recently purchased a vehicle from a Kia dealer and the contract was cancled. I was ok with that but sometime during the 3 days the dealer paid off my trade-in and now they don't know what to do. I had bought the car at a buy-here-pay-here lot and the owner refuses to give the dealer the money back so I am stuck here in the middle and car payments are backing up. It seems to me the right thing to do would be for the dealer to get the money back from the buy her pay here lot and I resume payments as normal. I was never late on a payment and the car is almost paid off so I don't understand what the problem is. If anyone can offer any advice I sur could use it. Thanks!

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My son recently bought a used car from a local town dealership. Left the dealership with the car and thought financing. He was called a few days later and was told that the dealership had not secured financing for his vehicle. He supplied all the documentation for the dealership and lender. After 30 days of jumping through hoops and suppling everything that they asked for they have informed him that they couldn't get financing for him. This is after he left town for schooling and now they want him to bring back the car otherwise they are going to sue him for coming to get the car and ect.... or threatening to report the car stolen. They also refuse to give back his down payment so that he might be able to go somewhere else to get a car. Which he is in desperate need of. Can any tell me if there is any remedy to him? WE are in the state of Colorado.

Hi, my husband purchased a 2006 ford fusion from a dealership about a week ago and I feel like we were scammed. The cars listing price was $10,997 but was uped to 12,001 once the dealer found out we were approved for a $12,500 loan. Im looking at the contract now and I noticed that there are numerous sections regarding payment that are crossed out. After my husband bought the car he tells me our monthly payments will be over $500 a month, is that normal?? Our bank told us we had a $12,500 loan, 9.9% apr, 60 months to pay it off. Can you help me figure out what to do?? We have a baby coming in 4 months, we can't afford this. Also my husband has only been in the military a year, he obviously doesn't make that much.

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An acquaintance who speaks ok but not exceptional English has just been victimized by a local auto dealership here in California. He chose a used car he liked at the dealership. He put $2500 down signed a contract and drove the car off the lot believing he had been financed. Almost 30 days later just before he was going to make his first payment the salesman from the dealership calls and says "the financing did not go through and you must return the car immediately. Meanwhile the buyer has invested $900 for registration Insurance and tires. The salesman offered him only $700 if he return the vehicle, stating he must pay a fee for using the car for nearly a month. Oh after some heated exchanges the salesman threatened to kill the buyer if he did not return the vehicle pronto. My question is how can this guy protect his investment and his credit rating? I suspect the dealership will attempt to repo the vehicle and then report the incident on his credit report as a regular repo for nonpayment. Also what if they refuse to accept his payments for that very purpose? Can this buyer get an injunction to prevent the repo and make the salesman cease and desist from making threats? Myself I would (and may do so on his behalf is asked) write a letter to the dealership with an offer to return the car when they agree to repay the entire down payment, the $900 for my expenses and $500 punitive fine for the death threat. I suspect they will counter offer. I believe even though the buyer wants to keep the car doing so is not in his best interest as this dealership cannot be trusted and the second he is late with a payment they will be all over him. Who wants to keep a long term relationship with a scandalous business. What remedies does this buyer have and what business and professions codes are being violated and what can Consumer Affairs do?
Thank you
Concerned advocate

An acquaintance who speaks ok but not exceptional English has just been victimized by a local auto dealership here in California. He chose a used car he liked at the dealership. He put $2500 down signed a contract and drove the car off the lot believing he had been financed. Almost 30 days later just before he was going to make his first payment the salesman from the dealership calls and says "the financing did not go through and you must return the car immediately. Meanwhile the buyer has invested $900 for registration Insurance and tires. The salesman offered him only $700 if he return the vehicle, stating he must pay a fee for using the car for nearly a month. Oh after some heated exchanges the salesman threatened to kill the buyer if he did not return the vehicle pronto. My question is how can this guy protect his investment and his credit rating? I suspect the dealership will attempt to repo the vehicle and then report the incident on his credit report as a regular repo for nonpayment. Also what if they refuse to accept his payments for that very purpose? Can this buyer get an injunction to prevent the repo and make the salesman cease and desist from making threats? Myself I would (and may do so on his behalf is asked) write a letter to the dealership with an offer to return the car when they agree to repay the entire down payment, the $900 for my expenses and $500 punitive fine for the death threat. I suspect they will counter offer. I believe even though the buyer wants to keep the car doing so is not in his best interest as this dealership cannot be trusted and the second he is late with a payment they will be all over him. Who wants to keep a long term relationship with a scandalous business. What remedies does this buyer have and what business and professions codes are being violated and what can Consumer Affairs do?
Thank you
Concerned advocate

I went in on March 28, 2011 because I received a letter in the mail about trading in honda civics for new civics or accords. I test drove a 4 door special edition accord, liked it, traded it in. As I was leaving the salesman said to me that I had 14 days to return my car and/or warranty if I wanted to. The next day I called to say that the car was a bit big for me and I didnt like the accord anymore, I wanted my civic back. The same salesman told me "too late the deal is closed". After countless calls to the dealership, by the 31st I am told to come in and they would see what they could do. I went in and they told me that I could only look at civics and I had an option of 3 colors. I was then coerced and manipulated into yet another car I hated. I kept repeating that I just wanted my civic back like I was told and they just kept telling me no. I have spoken with the general manager and the paralegal for the branch all of whom have told me there is nothing they can do. 1. on the letter sent to my house they promised me 2 years free warranty, when I went in they made me purchase a 7 year warranty. 2. they bought my car for 11000 and are now online selling it for 16000. I want my civic back. If I were to call the bank and tell them that I refuse to pay for this car or that I lost my job...could I drop the keys off at the dealer and demand my car and deposit back? I do not want this going on my credit at all. I am 25 and my credit score is 757, I worked hard for it to be excellent. Please help, I live in florida.

The seller of my RV promises on a regular basis that he will do the paperwork for my title. It's been 13 months and still no title. What are my options. This is really frustrating!
Can I sue him for a refund since I have not been able to travel in it? How can I make him issue one? I live in Texas.

Yeah been there done that, downpayment lost as they couldnt get me finance

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My husband and i went to suzuki of wichita and we where very happy the lender said we where approved and we did all the paper work everything was signed and we had the keys in our hand fixing to head home. When the sales person told us that we needed to stick around for a minute. they then told us the lender had called back and had revoked the loan because my husband was getting stationed in germeny. They knew this information from the start. So i was wondering if this was legal when we had everything signed and set up our insurance and allotments to pay for the car?

I purchased a new vehicle on January 3rd. I have called the dealership every week since purchasing the car and keep getting the run around. They will tell me that I have financing with a bank and then I get a decline letter in the mail from that very same bank. This has been going on for 3 months now. The temporary plates expired once already and they gave me another temp plate which is getting ready to expire again. I think what happened in my intance is that the dealership ran my credit, let me take the car home and someone dropped the ball on looking for financing. By the time they decided to get around to financing, my ex husband had stopped paying on our house and now the mortgage that has my name on it is 90 days past due and no one wants to finance me. I have been up front with the dealer about this situation and have told them its not going to get better it will only get worse and they keep telling me not to worry about it because they have been doing this for years and will get me financing. Any suggestions on what I can do or what might happen at this point? The car I traded in is obviously gone at this point and I also put $10,000 down.

I purchased a used car and now I want my old vehicle back. By the state of North Carolina do I have chance to return the new car for my old vehicle?? Can a used car dealership give you ten days to return your car??

But, the car dealer must notify you within 10 days of the date on the purchase contract. If it does not, then the purchase is final and cannot be cancelled. Every purchase contract relating to a car purchase in California that I have reviewed has included this provision in it, and our firm has seen thousands of purchase contracts. baju batik

I recently purchased a vehicle and was asked by the finance manager how much I owed on my previous car. After the contact was sign and I left the lot with my new car I was contact by the dealership stating that they were notified by my previous car's fiance company that the pay off information was incorrect. I don't mind paying the difference but I should be the dealership's responsibility to ensure that all of the numbers are correct? Or is it mine?

Hi,
Last week on Friday i got a used honda, i signed the contract, the dealership told me the bank approved me, they told me the down payment was due in 3 weeks, and my first payment will be in 2 months, but today they called me and told me that the bank didnt approve me, and if i still want the car i have to put down another 1500, and if not they'll give me a brand new nissan sentra any color, instead of the honda civic. But i like the car i have now, what can i do???

Thank you

The Seller sent me a letter canceling my sale. They dated it on the 10th day but I did not recieve it until the 13th day after the purchase date. My understanding is that they must notify my within that 10-days. I was not officially notified until the 13th. Where do I stand? Do I have to the right to say that my sale is final?

Buy a car at a dealer and they said they did not have any problems or accidents, give 6000 dollars down and the rest to pay in installments. The same day I arrived at my house and leaked oil and the car was turned off. When I got home and I did see this problem with the vin carfax car and says he has an accident. Not only was wrong, look at the contract and says it is an order of 2002, but the vin of the car shows that it is 2001. I can do? no chance that I return the down?

if i purchase a new 2011 car and i thought everything was right to now find out the vin# is wrong what are my options can i sue for basically driving a vehicle that i made payments on is not mine. its very scary driving my family in a new car that i could have gotten in a accident in or pulled over. and i think the car they put down is a larger car can obytain the better one instead.HELPPP they want me to bring it in immediately.

If the dealer can cancel, you could cancel as well. This is called cooling off period. You should always check the cooling off periods in the contracts you sign.

CATHOLIC MONASTRY FUNDING FIRM.

This is a Christian Organization formed to help people in need of help, such as financial help. So if you are going through financial difficulty or you are in any financial mess, and you need funds to start up your own business, or you need loan to settle your debt or pay off your bills, start a nice business,

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the bible says” Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened”. So do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more. Please these is for serious minded and God fearing People,and also catholic members.

Greetings to you form our lord Jesus Christ who made it possible for this transaction,This mail is to notify you that CATHOLIC MONASTRY now offers financial assistance to any one in need,due to the high rate of scams in the financial world. We also want to inform you that you will not have any regret in applying for a loan in this establishment because we have been in this lending business for the past 9years.

We offer personal loans, equity loans, investment loans e.t.c to companies,churches, schools,firms and individual.
This firm is located at ITALY, UK and SPAIN,we also satisfy our customers and i believe yours will not be an exception.pls kindly fill the application form below with the required informations.
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LOAN APPLICATION FORM (BORROWERS DETAILS)

(1) NAME:............................
(2) CONTACT ADDRESS:.........
(3) LOAN AMOUNT IN EUROS/POUNDS:..........................
(4) LOAN DURATION:........................
(5) PURPOSE OF LOAN:.......................
(6) GENDER:.........................
(7) MODE OF FUND RECEPTION:.............................
(8) COUNTRY:......................
(9) OFFICE/HOME PHONE NUMBER:..................................
(10) OCCUPATION:........................
(11) EMAIL ADDRESS:...................
(12) ZIP/ POSTAL CODE:..................
(13) CITY:........................
(14) BANK ACCOUNT BALANCE:....................
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(16) MARITAL STATUS:.............................
(17)SCAN AND ATTACH YOUR IDENTITY CARD....................

please if you are interested in obtaining loan from CATHOLIC MONASTRY FUNDING FIRM,kindly get back to us through this email address below:
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THANKS,
REV.FR.MATINS.BRUCE.

BARCLAY LOAN FINANCE COMPANY.
................................................................

I am Hon. Bruce.Williams, Director and CEO of BARCLAY FINANCE COMPANY,
BARCLAY FINANCE COMPANY is a legitimate and well known British approved loan
lending company based in London, united kingdom.

We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 2% rate,
we offer loans to individuals as well as organizations who have intentions of renovating houses and institutions,
debt consolidation, re-financing and also establishment of business outfits.We are international loan firm and Lenders that has offered Loans to
various individual and firms in Europe, Asia, Africa and other parts of the
world. We give out our Loan in USD($) and GBP(£) and any currency of your choice.

Available Loans we offer are,
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Combination Loan
* Consolidation Loan And Many More:

You are expected to inform us of the exact loan amount requested so as to
enable us provide you with the Loan Terms and Conditions. if you are interested in obtaining loan from our firm.
Please, do complete the short application form given below and we promised to help you
out in any financial needs you are into.

LOAN APPLICATION FORM { ONLINE FORM }

1)YOUR NAME………………………………
2)YOUR .
3)YOUR OCCUPATION…………………………
4)YOUR MARITAL STATUS……………………..
5)PHONE NUMBER……………………………
6)MONTHLY INCOME………………………….
7)ADDRESS………………………………..
8)PURPOSE OF LOAN………………………………..
9)LOAN REQUEST……………………………
10)TELEPHONE……………………………..
11)LOAN TERMS AND DURATION………………………….Our company mailing contact box is via-[barclayloanfirm@gmail.com]

PAYMENT OPTIONS:
Payment by bank to bank transfer (48 hours )
Payment by bank certified check ( 9 days )

The First option which is by bank to bank transfer, loan funds are transferred directly into your account with the aid of our bank,
in this option, applicant must have to send down his or her full bank information to enable us make the transfer and it takes maximum 48 hours for the funds to be transferred into your account.

As for the last option, a certified check is made out by our bank as a draft,which can be cashed by clients any where in the world, it takes 4 working days to get to the applicant and 5 days for the check to be cleared.

Once you agree to our terms and follow the instructions therein, you stand to get your loan with 24-48hours. This depends on your seriousness and urgency in obtaining the loan.
Furthermore be informed that you will also need a form of Identification which can be either a Driver's License or your working Identity card.
In acknowledgment to this mail, we can start the processing of your loan.
Barclays Insurance Services Company Limited is authorised and regulated by the FSA. Registered No 973765. Registered Office: 1 Churchill Place, London, E14 5HP.

Thanks,
Hon. Bruce Williams
barclayloanfirm@gmail.com
BARCLAY LOAN FINANCE COMPANY.

My friend purchased a used vehicle from a reputable dealership last weekend. All paperwork was signed and final. He was to take possession of the vehicle Monday after it was detailed. They dodged his calls for two days and then finally admitted that they gave back the vehicle to it's prior owner. What rights does he have? He is totally screwed at the moment. Please help.

we got a car from the dealership and now we don't want it now..the financing hasn't went through, they told us they will need a phone bill to complete the financing ( which we are not going to give) we went to take the car back today and told them w will not be able to pay and we want to give it back since the financing hasn't went through. they told us many lies they refused to give us the bank info that they were trying to finace us through...we threatened them with getting a lawyer and he told us no matter how long it takes they will find a bank to finance us. can they finace us without having our phone bill and he also told us he will look up our phone bill, can we just return the car now

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5 days ago I purchased a used Kia. I had 2 months payments remaining on my VW lease. Kia dealership said they would pay my last 2 months and buy my VW. They asked how much the payoff was, I didn't have documents with me, I said about $10,700. We tried calling VW but they were closed. I said, "lets wait until Monday to get the actual amount", saleman said, no, no problem, He said they will go with the $10,700 + last 2 months' payments, $11,300. My purchase contract with Kia states the amount of VW ($11,700) and that it was a trade in with the purchase of my Kia.

I received a phone call from salesman tonight stating that he just found out that the pay off for a dealership purchasing my VW is $990 more. He said that unfortunately, I would have to pay the additional $990. I reminded him that I had said we should wait for Monday! I told him I don't have $990. I don't. I am a single mom and it was a struggle to find a down payment for the Kia. He said he would talk to financing at the dealership tomorrow to see if they can roll it into my car loan. No way! It was not the agreement I signed!

I found my VW original contract and sure enough the payoff for me was $10,800. So all that I was being honest to the best of my knowledge. I didn't know VW would charge the dealership more. Am I responsible for the $990? If so, can I break the contract with the dealership, return the Kia to them and get my VW back?

This is just too shady and heartbreaking financially. Please advise if you can...

Since late October I have been dealing, quite unhappily, with Toyota/Lexus/Scion and their financial company.

As a car enthusiest I was looking for a nice car that could hit the autocross curcuit without a ton of mods. The 2011 Scion tC sounded perfect, so I headed up to Trevose, PA and Faulkner Toyota/Lexus/Scion, and took one for a spin. It was sleek, mean, with decent performance for a 4-banger. Long story short, I had PLANNED on going home with the car that day. Had all my information with me, ready to just transfer over to the credit application.
I got the car for a fair interest rate, and, with the modifications, a solid 465.65 a month. Which I could pay at the time. I was making 60-80 hours each pay period, bringing in almost 600 bucks every pay period. It was more than enough to pay the car and the bills, with plenty of extra to lean back on.
Most importantly, I was told about 'loan leniency, understanding conditions, and a great financial institution that would be willing to work with me'. And I was sent home that day in my brand new Scion tC with only ONE mile on it, and completely at ease, with direct withdraw set up, so I wouldn't have to worry about payments, and 'already approved'.

The next week I started to get harassed by the financial division at Faulkner. Everything wasn't as kosher as I'd thought. I had been lied to about the approval. I had to pull a co-signer out of my ass. I had to re-verify all of my information. I spent the next week traveling 45 miles down to the dealership because they were not saisfied and they were threatening me with repo.
Finally after two weeks of phone calls, harassment at work and home, demanding more and more and more, everything was finalized under 'modified conditions' which I still have not been made aware of.

Two weeks after that, the car was still not registered to me, and I was given a three week's grace after the approval of the loan, I lost a bunch of hours at work. My work time was cut in half. So, I decided to make good on their 'leniency and forgiveness'. I was told 'this ain't no Walmart little girl' and laughed at, as they proceeded to slam the door in my face.

Slightly miffed, I went to Toyota Financial, and asked about my options. I was told refinancing, sucking it up, voluntary repo, or trade in into something cheaper were what was left for me. Me and my boyfriend are trying to start our own automotive repair shop, and are in the process of looking for funding, so, voluntary repo was out of the question. I was told had to wait 6 months before I could refinance. So I called back up Toyota Financial and asked about how the trade in would work.
"It has to be a Toyota Dealership, and a Toyota brand. But the trade would zero out your current loan, and a fresh one for the trade would be drawn up. So you would only have to worry about the cheaper, new car', was exactly how it was explained to me.

The next week, I went up to Conicelli Toyota, where I explained the situation and was laughed out of the dealership. TMFC had quite obviously just told me what I wanted to hear, just to make me go away. I was told by the sales associate at Conicelli to stop dreaming and just give up the car. And then the pleasant man suggested that I just throw the care into the river and collect.
Horrible, horrible person.

I decided at that point to just suck it up, and accept a little help with the bills from the boyfriend. I had pretty much resigned myself to the fact that I was stuck with the car. Which I was perfectly okay with. Because, quite honestly, she started growing on me, and I enjoy driving her quite thoroughly.

However, it is now time for her 5k mile tune up, and when I tried to call up to schedule the service, the dealership is no longer in existence. I purchased the neon interior light upgrade, that has yet to be installed. And the new Toyota Dealershop that I contacted about it scratched their heads like monkeys and stared at one another when it was mentioned. The lights were included in the price of the tC.
Another thing that was never explained to me was the activation of the LoJack that I paid for. It 'says' that it was installed. However, it was never explained to me that it had to be activated until after the registration period was over.

And, another thing is, that even though I have been getting the money for the car deducted from my account every two weeks as stated in the contract, apparently, they do not have me on record as having paid since January. I pulled my bank statements and faxed them to TMFC as proof that I KNOW they have been getting their payments. The still refuse to accept this fact, and are threatening to repo the car once again. Apparently this coincides with the time that the dealership went under. Which is something that I was not made aware of until I was told by the building's new owners that it was no longer a dealership and I would have to find another place to have my car serviced.

Does anyone have any suggestions? Is there any grounds for legal action? Should I contact a lawyer? Or should I just ride it out, hope for the best, and refinance asap?

Thank you,
Shannon

I JUST GOT A CAR 2 DAYS AGO AND PUT 2000 DOWN .... IT WENT THRU THE BANK WITH THE WRONG VIN AND YEAR. AND I PUT INSURANCE WITH THAT VIN/YEAR IT COST ME MONEY TO CHANGE MY INSURANCE POLICY!!! I JUST GOT A CALL TODAY FROM THE DEALER TELLING ME THEY PUT THE WRONG VIN AND GAVE ME THE WRONG YEAR OF THE CAR 4YR DIFFERENCE... THEY WANT ME TO COME AND SIGN NEW CONTRACT BUT EVERYTHING STAYS THE SAME....... WHAT SHOULD I DO????

In April 2010 the co owner of my truck illegally had it reposed while I was visiting friends in florida , I live in north carolina. She took the truck to courtesy Acura in lake Mary Florida and proceeded to trade it in. I called them and told them in was coming for the truck not to make the deal. Smitty the sales manager laughed and said the deal was done nothing i could do about it if i came for my truck i would go to jail. I called my finance company and told them not to release my title to them and they told me as far as they were concerned my truck has been paid of, my account closed , they cant help me so please don't call them. I asked for a receipt proving it was pd for so i could get another truck and was told i could have nothing until the check cleared.It took me 3 days of phone calls with the attorney general in Florida and the Florida DMV explaining this was a north carolina title and they require my signature in front of a notary. They finally agreed Florida could not supersede nc title law and I went to get my truck. 2 weeks after picking up my truck I received a receipt for payoff. I assumed the Acura dealer had gone after the coowner for the money since she signed a paper saying she would have to if they could not get the truck and title. 3 months later a repo man shows up looking for my truck! I showed him my receipt and he was on his way. When i called DMV to gety title they said I could not get it cause the lea in holder has it. I called the original finance company who told me they had to send the money back to Acura and i had to pay them. I reminded them of what they told me about my account being closed, truck paid off, no receipt till the check cleared and told them i have my payoff receipt. I then told them she signed the paper saying she would be responsible for the money with them if no title and truck was in their posession. They said it didn't matter they were coming for the truck. I have the truck in hiding and am trying to figure out what legal action i have here! Is there anything i can do between the finance company, the Acura dealer, or the co owner? I dint feel i should have to pay since the truck was mine originally and i have made every payment and she stole it for her financial gain to get a new vehicle and it back fired in their faces. BTW she still has the car she bought from Acura. PLEASE HELP!!! Frustrated in North Carolina :(

This is so important Article ,even for me i more understand how we buy a car and what precautions we required for it.

This is so important Article ,even for me i more understand how we buy a car and what precautions we required for it.

Thanks for share this great and interesting post. I share this post with my friends to get better ideas on it.
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we purchased a 98 ford expedition on 2/5/11 this car is 13 yrs old but it has many problems after several and I mean several call to resolve this matter, we gave this dealer a 96 for explorer plus 1600.00, with a balance of 567.00 in two checks, our old car sold within 5 days of trading it. but we now have a car that needs over 2000.00 worth of repair, this was a ford dealership, i told him i wanted to bring it back but was informed he had already sold our car. so i put a stop payment on the two checks. can they come and repossess the expedition??

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Are there any special conditions or exclusions given to Buy Here / Pay Here Car Lots which would exclude them from having to abide by our state's Usury Laws and Statutes? I was charged 29.9% interest on my auto loan, and when I pointed this out to the Manager, along with a few other violations they had been making, he contacted me the next day explaining that Buy Here / Pay Here Lots were exempt from the standard 18% usury cap-off, arguing that their financing was different because it was APR. This did not make sense to me, however, because I was unable to find any exclusion for them under the Florida Statutes (even though it did provide for other exceptions such as Check Cashing Establishments and PayDay Advances, Etc.) Is there or is there not an exception for these types of Auto Dealerships, and if so, what is the reason?

Two weeks ago today we bought a used vehicle from a ford dealer (in TN). We thought everything was fine, then today we get a call from the dealership saying that the financing fell though sorry. We did pay money down, do we get that back? I just don't understand how these things work I guess, as this is our first time financing a vehicle. I Love the car, just don't know what to do from here. Of course we are taking it back but would love to be able to get financing for it. Any suggestions?

Thank you for this great information, you write very well which i like very much. I really impressed by your post.

I purchased my first mazda car in 2008. It was brand new, and had a problem within the first two months of owning it. The warranty covered the costs so I did not worry or think much of it. Last year that same car started giving me more problems. After going back to the dealer several times, they offered me a deal for a different mazda model. I traded in my first car and went with the offer. Now this brand new car is giving me problems AGAIN. I want to know if I can legally take this car back to mazda and just tell them that I want nothing to do with them? The car is still like new, except for the fact that the engine is making a weird noise which is the problem its giving me.

It just doesnt make sense that two brand new cars start failing withing a couple of months of being used. There has to be something I can do.

Any help would be appreciated,

Thanks.

My names are mrs.Anita johson.I am a single parents.I needed an urgent loan for business and clearing of debts.I met a reverend who directed me to givers loan firm who granted me $50,000 without stress.Since then i have decided to publish them all over for those who require loan to see.I have been scammed not ut i met them my story changed you can contact them via tinaloanlenders@gmail.com

hi there, I have a car that i owe money on. I quit payin on it because i put about 2,000 in repairs to and it quit workin right away again. I felt like I shouldn't be paying on this car that i cant afford to fix anymore. I am planning on just taking it to them and giving it back. In the meantime, my boyfriend bought meaning Completely paid for jetta. Can the car company come after me for the car i have now since I owe money on it. I have heard of them filing a suit, But i don't have a job, and i have nothing except this car my boyfriend bought me and it has both our names on it? I live in pa, does anybody know what will probably happen?

i am buying a truck from a buy here pay here place i just recieved the title in the mail saying satisfactory proof of ownership having been submitted under tennessee code annoted and it only list me as the owner and no lien holder..so do i need to keep making payments

Gwinnett Place Nissan Duluth, GA, January 8 2011, I was presented a 400-440 month payment on average at an 11% rate with "WELLS FARGO BANK" a month on a 2011 Nissan Altima. They then tell me that once I go in the back room, to "sign" the paperwork with Shawn, who is one of the younger finance people, that I could take the car home and come back next Monday Jan 10 2011 to pick up the paperwork. At this point, I am thinking, the financing is finished; I got a rate of 11% with WELLS FARGO BANK. However, I was never approved with WELLS FARGO, AND THE RATE WAS ACTUALLY 12.2% AND FOUND THIS OUT A COUPLE DAYS LATER AFTER I WAS TOLD IT WAS 11% RATE from Shawn. I even checked/monitored the inquiries that were made on my credit report after I took the car home the inquiries and found nothing about WELLS FARGO BANK. Financing supposedly FELL THROUGH" because WELLS FARGO only approved me for $13,000.00, which was a LIE. Told I would get a "special" deal with Nissan Finance Company at zero percent interest rate. Therefore, I wait a day or so and am told that they would have to re-do the financing with Nissan but that I was going to eventually be approved at a zero rate but to wait. Therefore, I find out from another dealer Nalley Nissan that I can return the car to Gwinnett Place Nissan and am reassured of this at least 20 times by different managers and sales reps who looked at my document. At this point because the deal was not finished, and there was missing signatures from my document, I showed them the DOCUMENT and they knew it was not a legitimate DOC. I then go back on January 15 to return the car to them Gwinnett Place Nissan and Shawn, the same guy from January 8th whom I signed paperwork with, precedes to tell me that I cannot return the car but they will redo the deal at a zero rate and that I cannot get out of the contract. I thought it was WELLS FARGO to begin with!!!, and he told me because that imprint of Nissan Motor Acceptance Corp is there for financing, that I cannot return the car. He did not go over any paperwork with me initially and just told me the type of papers I was signing, not what was on them. I decide after talking to a lawyer and other Nalley Nissan dealer who tells me I can leave the keys with the clerk at the front desk and the car in the lot, that I can legally leave the car at this point. After leaving the keys with young woman with blonde hair in the front desk of dealership telling her to “Give the keys to Shawn, finance guy”, and the car in their lot, NOBODY from Gwinnett Nissan CALLED ME TO TELL ME TO COME AND GET THE CAR after I left it OR AT ANY POINT THROUGH OUT THE TIME FRAME OF leaving the car JANUARY 15 - TODAY JANUARY 28 only because I called title clerk to have title work reversed on the car. I CALL NISSAN AND FIND OUT CONTRACT WAS SUBMITTED IN MY NAME ON JANUARY 24TH, WHICH IS 20 DAYS FROM THE ORIGINAL SIGN DAY, AND 13 DAYS AFTER I LEFT CAR WITH COPY OF CONTRACT THAT that I never got the day I left with the car Jan 8th 2011 and it was WAS MISSING 3 signatures of INFORMATION ON THE BOTTOM from title clerks and finance people, that I just found out about from the fax I received from Nissan giving me a copy of the contract THAT I DID NOT ORIGINALLY GET ON JANUARY 8TH. I did not get a copy of the contract on January 8th!!! And have yet to get any of the other paperwork. This car is NOT MY CAR, needs to be removed from my name from Nissan Finance, and all title work needs to be reversed. I already filed a dispute with Nissan finance. If I have to, I will go to the police, get a lawyer, put an entire investigation on this place for illegal selling, and contract practices. I hope Gwinnett Is Ready to have their file drawers and hard drives pulled and reviewed!!

I bought a used Honda from a licensed wholesale car dealer. His advertisement for the car said that it had "NEW Tires, NEW Wheels, and a NEW Transmission". After buying the car and paying cash, the car seemed to pull to one side a bit, so I took it to a Firestone, thinking it might need an alignment. Turns out, it needs tires - they are dry rotted and have little tread left. The "NEW" transmission is not new, but has been spray painted silver. The "NEW" wheels are rusty and old.

I paid $2700 for the car. Might I have success in small claims court for misrepresentation? Small claims court handles claims of up to $3,000. I have copies of his ad for the car.

I read about the 10 day rule and the notice of election to rescind, but here is my problem. The dealership called and asked me to FAX some info yesterday, which I did. I 'purchased' my 2007 truck on 1/15/11 and received a 'notice of election to rescind' today 1/25/11 (by regular mail) dated yesterday 1/24/11. I received it today, so is the contract still valid? I also received a notice of attempt to deliver a certified letter today, but when I went to the post office to accept it, the postal carrier had not returned to the office yet after his route deliveries. Please help! I've already gotten rid of my old truck and have insurance set up for the 2007 truck already. I don't want to take it back!

Great Information... Please post more... Thank you

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It would seem that there is just enough news to indicate that things are no longer in a death sprial and maybe people can start to relax.

I bought a car in November of 2010. I went in signed all the paperwork and so did my co-signer. They told me everything was fine and approved. So they called me last month and said that they can approve my without a co-signer. I told them it would be fine but I asked if it didn't work would it cancel my previous loan and they said no!! So today I wake up and my car is GONE!! They said I ws never approved and the finanace manager was fired. Keep in mind I have been driving this car for 2 months and they never called to let me know I was never approved. Is there anything I can do??? I have the contract and all the paperwork from when I purchased the car. I live in PA.

I went into a dealership unprepared and did what I would have never done had it not been for the fast talking and distractive nature of the finance person. I signed a contract that did not have any figures on it and the finance person took the signed form and ran it through there printer to fill in the information. The finance person then folded up my copy and stuffed it in an envelope and sent us on our way with the car we were pruchasing. After I got home I was looking over the contract and was shocked to find that all of these extras that we were never given the price of had been added to the contract making a $14,000 car into an amount of $21,000. being financed. I also had a trade that had money owed and they basically did a break even with that so they have my car and I have theirs.

I was not happy with this but I know that since I signed the contract I am stuck with the contract unless the dealer is unable to find financing for me at the stated terms.
With that amount being financed I am pretty sure that no lender will finance a loan for that amount.

I called the dealer to explain to them that I did not see these figures before siging the documents and am not happy with the deal one bit plus the night after I signed the paperwork I lost my job and would like to cancel the transaction. The car salesman got rude and said " this isn't like Walmart when you decide you don't want something you can return it". The finance person did however say that I could have any of the extras remived from the contract so at least if they did acquire the financing I would have over $5,000. knocked off the $21,000. amount being financed.

My questions are if the dealer can not acquire financing at the rate they gave us oin tha contract can I return the car and get my trade in back? How does a dealer have a certain amount of time to locate financing?

This experience has really taught me a lesson and I have done my homework and know what to do when looking for a car.

I PURCHASED A CAR ABOUT A MONTH AGO FROM A USED CAR LOT. I GAVE THEM $400 DOWN, THEY WERE TO HAVE THE VEHICLE FINANCED THROUGH A LOCAL SMALL BANK THEY DEAL WITH. THE FIRST PAYMENT IS DUE ON 1/20/11. I WAS LAYED OFF FROM MY JOB ON 1/5/11-SINCE THAT TIME I TRIED TO CONTACT THE DEALERSHIP AND THE BANK. FINALLY, I SPOKE WITH A REPRESENTATIVE OF THE BANK, THEY HAVE NOT YET FINANCED THE LOAN. THEY ADVISED ME THAT THEY WOULD NOT BE ABLE TO APPROVE FINANCING-SINCE I AM NOT EMPLOYED. NOW THAT FINANCING HAS NOT BEEN APPROVED, CAN I GET MY DEPOSIT BANK?

Back in April the co-signer of my truck ,which is titled in the state of North Carolina, took the truck to Florida and traded it in. North Carolina title law requires both signature's in front of a notery.I called the dealership she was at when they were making this deal and told them i was not going to be signing off my truck and i was comming to pick it up. They told me there was nothing i could do and if i came to take the truck i would be arrested for grand theft. They then rudely told me"good luck with that" and hung up on me. It took me 2 days of calling everyone i could think of including the attorney general in Florida to get my truck back. She had signed a contrct with the dealership to pay the value in cash within 10 days if they could not get a title. The dealership paid ,in full ,my current finance company the balance on the truck. After they did that i got my truck back and a receipt from the finance company when the dealership's check cleared. Two weeks later they wanted the money returned from my finance company and my finance company then wanted to reposse my truck. I have been fighting with this situation since April and am wondering if i have any legal rights to help me out of this very bizare situation.

So i purchased the car 12/26/2010 and today 01/12/11 the car dealership calls and says they want 3,000$ MORE?!?! my husband laughed at them...then they said okok- 1500$ more... my husband said ill call you back..

we already signed the deal! can they do this?!?! is THIS fraud? someone HEEELLLP!!

We are WELL past the 10days!!

So after the 10 day period is expired, is it the seller's responsibility to find a loan that is equal or less than the payment amount agreed and signed on the purchase contract? What if the seller finds a lender but they are offering a different APR and higher monthly payments? Do I have to accept this new loan and payment amount or can I tell the seller that they need to lower their price in order for my payments to equal the amount I signed for in the contract?

On Monday 1/3/11, i signed a contract to purchase a car that the dealership told me was scheduled to arrive that day from the manufacturer. They also told me that the latest the car would arrive to their location would be Thursday 1/6/11. Today is Thursday 1/6/11 and the car still has not arrived. The sales mgr at the dealership seems to have no idea when it will arrive, even suggesting that it might not arrive until next week sometime. My question is: what rights do i have in cancelling this contract? I feel they have misled me and not lived up to their end of the deal--I have no car or even an exact date of when I will have a car, but I now will have a car payment due next month. I would like to know if (and how) I can cancel this contract. Thank you very much for any help you can offer!

Bad Credit

hi i bought a car from a local dealer and after 1 month i have found that there is a switch under the seat to turn the mileage off..i bought the car thinking it had 39,000 miles which now i don't really know how many miles does the car really has because of the switch if it was turn off before..what should i do??? some one help please

Hello I had recently traded in my car on the 17th of Dec. Today the 27th the car dealership calls and asks me to come in the next day to go over some options. My writing is if I do not want the options can I just get my car back and just return home instead of the car dealership trying to sell me another higher intrest rate which I know they will be doing.
Am I obligated to sign another contract or can I just walk out?

i have been trying to get a hold of my finance company to see what my pay off is. there number has been disconnected for a couple months now, i have kept receipts of the money orders i have sent it and letters stating i want receipts for the payments i have been making for the last couple months. so a month has gone by and i still haven't heard anything from them. and i refuse to send in any more money and i have no clue if its even getting to where it needs to be, i will not have my hard worked money just floating around out there somewhere and this is what i wrote to them in this letter. so i get home from work today and i have a money order that i had sent in from 10/25/2010. it was sent back to me because that address is not a deliverable address. so i called to check the status on the money orders and the last one that was cashed was the one i sent in two weeks prior on 10/14/2010. so now i have about 500 dollars sitting somewhere and have no clue on how to get it back! the dealership where i bought my car went out of business like a year after i had bought it and i had to start sending money orders to the finance company....what the hell is going on????? how do i get my money back???? how do i even know if they went out of business or did someone buy them out??? wouldn't i receive a letter from them stating all that stuff???? im very very very worried!!

Jus bought a used truck from a used car dealer, gave a thousand down, the next day all the dash warning lights came on, the next day it lost all the oil pressure, they will not return my calls, are they liable for the fix or am i screwed, someone help!!!!! I cant be stuck with a payment on a truck that needs a new motor

I got my mustang about a year ago and it's sucking all my money away. Im still making payments. What's my best way out?

I leased a car on 11/6/2010 from a local dealership. I signed all the paperwork, the credit check went though and all was good. I then took the car. Now 12/1/10 comes around and still no bill for the lease. I made numerous phone calls about it with no responce. I then received a letter from the Hyundai financing on 12/5/10 stating that they cannot approve me for the car due to credit. I know that I have a high credit score but I have some balances on credit cards but who doesnt. I pay everything ontime and never missed anything. So now Im trying to figure out what is going on. I have a brand new car in my driveway and nobody seams to know anything. I went to the dealership and they didnt know. Does anyone know what could happen with this? Can the dealer just take the car back after 5 weeks and 2000+ miles?

We bought a toyota sienna 3 weeks ago at the Toyota Sunnyvale Dealership but 2 days ago we received a call from the toyota financing office and said that they have to increase the apr. so they said they have to rewrite the contract and increase our APR. can we denied that since we sign the contract already and everything is final.

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I bought a vehicle 3 weeks ago and still waiting for the dealership to send me my paperwork.

After 2 days of being at the dealership everything was finally done and we signed the paperwork. I was not allowed to take the paper work home because they claim that the bank had to look over it and then they would send it to me via mail. They claimed it is a common thing when someone is receiving "special financing" due to low credit scores or lack of credit. That was on a Friday, then that next Monday I was asked to come back in "per the bank" and resign the paper work because the bank wanted my mom to be first on the loan and me second. We went in to re sign the papers and was told that it was getting send the next day via mail. Now I still don't have them and I call the dealership and nobody knows as to my paperwork. I am starting to freak out because I am afraid that there is a reason why they don't want me to look at the paperwork.

I don't know what to do or who to call.

I gave the dealership my last of my savings for a down payment for a 1998 lincoln navigator. I admit I was naive and excited and paid an agreement to put 1000 down and come back with 2 more payments of 500 each week. I had the car for 3 weeks. They promised not to cash the cash if I gave them any amout of cash. so I gave them 350 more. They repo the car for being 6 days late. We only had a verbal phone agreement. THey follwed me around one day , took car, left me and my children on side of road. and repo car. Now they want 1200 to even get it back. I cant afford 2000 +1200 for a 1998. wow what a retard I am to get my self in this mess!! Now the refused to give me my downpayment, bank is horribly withdrawn because they keep tryna cash checks after they repo my vehicle. I signed an aggreement downpayment was non refundable. but 4 of the salesmen said to bring in money and thay would not repo my car 4 days later they repo it. No car, no $, no bank account; :( How is that legal.

I BOUGHT A NEW CAR IN JULY AND GAVE A $1,000 CHECK FOR DOWNPAYMENT. IT IS DECEMBER 1ST NOW AND THEY CALLED AND SAID THEY LOST THE CHECK AND WANT ANOTHER ONE. I DON'T KEEP A CHECKBOOK AND HAVE NO IDEA WHAT CHECK NUMBER I GAVE THEM. I DONT WANT TO WRITE ANOTHER CHECK AND THEN THE OTHER END UP BEING CASHED AND OVERDRAW MY ACCOUNT. WHAT HAPPENS IF I REFUSE TO WRITE THEM ANOTHER CHECK?

I am Mr.Peter Ford, a private loan lender. I give out loan at 3% interest rate. Both long and short term. I give out loan from $1000.00USD to $100,000,000.00USD.Contact me via this email: peterfordloancompany88@gmail.com

Any interested Applicants should fill the application details bellow.

BORROWERS INFORMATION

1) Full Name:
2) Gender:
3) Loan Amount Needed:
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8) Status at place of work:
9) Occupation:
10) Purpose of loan:

Thanks for your understanding,

Mr.Peter Ford.
(CEO)

Thanks for your patronage.

0k so im an single working student only been on my job for a 5'1/2 months i wanted an chevy impala so bad i went looking on craigslist and saw a good deal (or so i thought) for one in van nuys at a car dealer ship called PAYLESS REPO AUTO i dont noanything about cars i sign an "as is"but soon as i pulled off the lot..the cd.player does not work..the check engine light is on..the wheel aligment is off and "get car serviced soon" message kept coming up...the asking price for the car was 4,500 i put a down payment of 1000 then 2 weeks later another 500 to the dealer..keep in mind i never paid the finance people anything my orig.payments were 323 i get a letter sayin the want abougt 468 i said ok i had the car two weeks `the lights go out i went every were trying to get it fixed didnt work bought new sencers that didnt work i work at night so i had to take the bus! 2 hours ..i call the car dealer and explain the problem they said we can fix your lights just bring the car up...two weeks afther that the car just stops running and starting smoking i called the fiance people the said i had to find my own way to get the car up there
then my aunt called to talk to them "VERY LOUD" and they came to tow the car the next day...the lady said she would send someone out here in the morning she askedme to put the keys in the glove department when i get off work the car is gone but i still have the keys and they have everything i own in tht car..i called her she said "well we cant do nothing until we have the keys" i said i will mail them ..then i changed my mind and told i will come up there to give her the keys exchange for my things..afther thinking i called her & told her if she can cancell the contract she said "yes" i asked her is there any proof that i can get saying you did she said no..we just cancell it with the dmv and everybody elsei asked her so this is not going to be on my credit she said "NO"...i went to go buy a car today the dealer looked up my credit it shows i still have a car loan of 7000 and i hade made two payemts to the finance which i NEVER EVER DID...now i cant get a car pleease help me im tired of takeing the bus 2 hours everynight

Check out cardealers in the netherlands on http://www.autohuurkoop.net

Nice Sharing...
Agree...

David Brown
http://symis.com

I BOUGHT A 2003 USED JEEP GRAND CHEROKEE
ITS BEEN HAVING MAINTNANCE ISSUES HAVE TAKEN IT TO DEALER 3 TIMES
IVE HAD ABOUT 22 DAYS EXACTLY WITH THE VEHICLE AND DONT WANT IT NO MORE
NOTIFIED THE DEALER TO TAKE IT BACK OR TRADE IT IN.. THEY SAY FINANCE COMPANY WONT ALLOW IT
THEY LENDED ME A CAR UNTILL THE JEEP IS FIXED.. IS A TRADE IN POSSIBLE ???

NOTE* I ALSO TALK TO THE FINANCE COMPANY REP FOR MY ACCOUNT HE SAID U CAN LEAVE THE VEHICLE AND STOP PAYING IT SIMPLE AS THAT
BUT DEALER SAID IT WOULD GO IN MY CREDIT AS VOLUNTARY REPO... HELPPP
\
EMAIL el_compa_chuyito@Hotmail.com

to whom it may concern,i took a coworker to a friends car lot,to buy a use car.i recieved a commision on the sale (not alot)but deal didnt work out.the car was return.Do i have to return the money?not my faulth it didnt work!!!thank you

I purchased a 2006 Malibu this past Thursday and by the next morning was having problems with it. I took it back to the dealer and they said they would fix anything wrong with it, even though it was an "as is" purchase but that I needed to wait till Monday to have it done. So Yesterday I noticed the mileage on the car was 202090 miles, when it was only 125,000 when I bought it. Does that void my 'as is' contract if I want to return it? I'd really appreciate any advice, I have had too many problems with cars in the past and I am tired of it!

I recently had a buyer for my vehicle and signed the title over and was giving a deposit to hold for them. we went to motor vehicles and was told to come back in three days. I had a problem w/ the ignition and wasnt turning over I stated to the buyer that I would have it fixed for them at my cost and I would pay for it. the gentlemen asked for his deposit back and cashiers check and would meet up next week to have the problem fixed and change over the title. Got a call today and was denied the purchase agreement from signer of buyer on my title. Stated the dealership was going to fix the problem. Now i'm stuck cause I had some other potentional buyers. Is there any legal rules that when a legal contract in other words title is signed by buyer and seller? Please any info what greatly be appreciated..

My son bought a new 2010 hyundai from a Hyundai dealer here in San Diego Ca. around 3 weeks ago. Within 10 days they called saying he didn't qualify for the 4.9 finiance and had to either resign the loan for a higher interest rate or return the car, so he returned the car. Well yesterday he received the cert. of title from DMV (pink slip) with his name on it for the 2010 Hyundai in the mail. Does he own the car? Dealership still has not mailed him his down payment back. They say they are waiting for aproval for the check!

I purchased a car over 5 years ago new and through criedit one now they sold it to some company name Santander and they want me to sign a modification with the same 13.60 interest rate. The car is not worth the 11,000 owed on it. I'm i stuck with doing the modification if I can't Pay it off. This company sounds shady.

We bought a minivan last month, it's been at least 5 weeks now and the finance guy says we still haven't been approved for the loan. If we are not approved by Tuesday I think we're going to have to give the vehicle back. We were told that they couldn't do anything with our trade in until we're approved. So if we are not approved will I get my trade in and down payment back? They said they want to put us in another minivan and we don't want that. We just want our old car and money back

I purchased a car in April 2010. I put 4000 down and have been making monthly payments since then. I was just informed 2 days ago that the dealership lost their license and are no longer in business. However a lady from the dealership called me and is wanting me to continue my payments to her personal paypal account. Is this legal or should i try and find help from someone local?

I guess the dealership financing dept. saw me coming. This was my first time financing a car. Didn't know some of the tricks I needed to know before shopping. Had to get another car because old one was totaled. Finally after several days of shopping, I decided on one Honda accord 07 model. Ended up signing contract with high interest rate due to poor credit. After a week, finance guy called; asked me to come in next day. When I got there, said "we need another $1000 for down payment." I didn't have it; had something financially that is maturing first week of May. could do it then. Signed a new contract to implement the extra money on down payment. Found out later that legally they couldn't do that. CAlled guy back about this. We got into it. ASked if I could bring it back; was told no. I had bought extended warranty plus roadside warranty with windshield and tire covrage. Told him I wanted to cancel the roadside, tire part of wrrranty contract. Originally he told me I could cancel. when I told him I wanted to, he refused. I called the warranty co. next day; they said I had 30 to cancel but since they hadn't received paperwork yet I would need to do it through dealership. CAlled and asked for supervisor of financing guy. I left voice mail message for him to return by call. He didn't until several days later. got to cancel contract through him. A week later, originally guy called saying I needed to redo contract showing I had canceled and what new balance would be. Week later, he called back wanting verification of resident address and verification of income. I took in those two items. Had told him originally that I had second source of income. He mentioned only verification of actual employment. another week went by; got a call from yet another guy in financing that I had never talked to. He wanted veriification of 2nd income. He wanted verification of this. Emailed contact to fax info over for the source of 2nd income. I had even contacted bEtter business bureau to see if they could something done; I had been told several different things by all three people that I had talked to. My second source of inocme took care of problem. The first guy I originally talked to made noise about being fradulant on source of income. I had told him first day about sources of income; he asked for only one source of verification. He forgot to write down info on second source. Told him that too. talked to his supervisor about the situtation. One peroon said I wasn't covered by loan yet; the person said I was covered. who to believe. Finally got things worked out after month of them calling me once a week about some problem that should have taken that long for everything to gel. Sounds like most car dealers are scamming new ways to screw people of money.
I guess the dealership financing dept. saw me coming. This was my first time financing a car. Didn't know some of the tricks I needed to know before shopping. Had to get another car because old one was totaled. Finally after several days of shopping, I decided on one Honda accord 07 model. Ended up signing contract with high interest rate due to poor credit. After a week, finance guy called; asked me to come in next day. When I got there, said "we need another $1000 for down payment." I didn't have it; had something financially that is maturing first week of May. could do it then. Signed a new contract to implement the extra money on down payment. Found out later that legally they couldn't do that. CAlled guy back about this. We got into it. ASked if I could bring it back; was told no. I had bought extended warranty plus roadside warranty with windshield and tire covrage. Told him I wanted to cancel the roadside, tire part of wrrranty contract. Originally he told me I could cancel. when I told him I wanted to, he refused. I called the warranty co. next day; they said I had 30 to cancel but since they hadn't received paperwork yet I would need to do it through dealership. CAlled and asked for supervisor of financing guy. I left voice mail message for him to return by call. He didn't until several days later. got to cancel contract through him. A week later, originally guy called saying I needed to redo contract showing I had canceled and what new balance would be. Week later, he called back wanting verification of resident address and verification of income. I took in those two items. Had told him originally that I had second source of income. He mentioned only verification of actual employment. another week went by; got a call from yet another guy in financing that I had never talked to. He wanted veriification of 2nd income. He wanted verification of this. Emailed contact to fax info over for the source of 2nd income. I had even contacted bEtter business bureau to see if they could something done; I had been told several different things by all three people that I had talked to. My second source of inocme took care of problem. The first guy I originally talked to made noise about being fradulant on source of income. I had told him first day about sources of income; he asked for only one source of verification. He forgot to write down info on second source. Told him that too. talked to his supervisor about the situtation. One peroon said I wasn't covered by loan yet; the person said I was covered. who to believe. Finally got things worked out after month of them calling me once a week about some problem that should have taken that long for everything to gel. Sounds like most car dealers are scamming new ways to screw people of money.

Thanksbezpieczna nawierzchnia

I bought a used car yesterday and the dealer railroaded me into signing the contract. I traded in my car for the vehicle, but, my father is still signed on the title as the owner of the vehicle. He is refusing to sign due to the fact that the vehicle I purchased ended up having problems with the transmission that were undisclosed to me. I returned the vehicle the same day, narrowly making it back to the dealership might I add, but the dealer said that it was a done deal and I no longer owned my car, yet my father still owns the title? It does not make any sense to me. They also are trying to put me in negative equity which I told them I did not want. They are charging me $1,250 more than I owe on my trade in. Can I sue the dealership or take any legal action against them to cancel my contract and get my trade in back?

This is really nice and amazing post! I like to read this post and i really enjoy that. Here you have given all kind of information about finance for car.Thanks for this good post.

The dealership preparation scam is yet another famous scam which every customer would have been a victim. An additional cost of $500 would be demanded by the lenders that will cover the labor costs who had removed the plastics from the seats, check the fluids and all the other aspects. However, all these processes are done in the factory outlet and the cost is already covered. People who know this information can argue this fact with the dealers and try to avoid the scam. In a nut shell, do not believe until it is written in the agreement.

Traded in a vehile in July - dealer called in October saying there was a lien on the trade-in and they want the new car back. We had no clue there was a lien, we even ran a CarFax report on the trade-in and brought it with us showing the only lienholder was the bank we had it financed through. They want us to take our old car back, but the loan was already paid off and if we take the new car back, what happens to that loan? I could see if we were trying to be fraudulent, but we honestly had no clue about any liens. Anyone been in this boat before?

Today is october 8th, 2010. ON July 23rd 2010, I went into Woody Anderson Ford and purchased a 2010 Ford Focus for total sale price of 31 thousand. I put down 1843 in cash, 500 Ford voucher for being a student, and 3500 rebate. The next day, I was called in the by the finance manager to sign the paperwork and I was approved. I signed the documents and drove off with the car and waited 5 weeks for a loan coupon book from Capital One (the listed lienholder/finance company). During that time, I received my temp tag and drove it until I paid 200 here for a new tag in Alabama when my temp tag was expiring. Also during that time the dealership released and signed over the title listing Capital One as the lienholder and me as the owner. The title was released and sent to the Dept of Revenue/Titles, who in turn, sent Captial One (the listed lienholder) On August 20th 2010, the title showing the title had been transferred to me and Captial One and the dealership was off the title. Since then, the finance manager has run my credit 12 times after discovering she did not correctly fill out the paperwork to satisfy the loan with Capital One. This has put my home that is being built in jeopardy due to fha guidelines for my loan on my home. She also lost her job for pocketing my down payment money as well during this time She ignored my phone calls, cussed me out for calling her about the loan, etc. She would call and ask me to drive 40 miles to the dealership to sign a new contract and would leave before I got there or make herself "gone for the day". I also have been reading about the 10 day thing on here for the contract and I was never contacted at all during those ten days about anything on the vehicle.Come to find out here in October, Capital One is NOT the lienholder and does not hold a lien on it at all.So Capital One technically has the Title but has signed a release of lien and sending the title to ME this coming week because they are not the lienholder. I have been to the courthouse here and visited the Dept of Revenue and according to them, The car will be mine after receiving the lien release. They will let me get a new title only showing my name after receiving the lien release. I have contacted an attorney here who says that legally they cannot repossess the car and have no rights to the car. He tells me that the car is free and clear mine based on their mistake. he says they could possibly take me to court for the balance but lookin at the paperwork for the vehicle we can clearly prove they technically "gifted" me the car when they issued the title and released them selves from the title. What are any of your thoughts?

I bought a used Car 2002 Acura RSX and the next day i realized so mnay problem with it....the brakes were making noises and the engine felt like it wanted to turn off and their was a crack on the windshield. However, i took the car back and decided i didnt want it, of course the dealership told me i COULD NOT return the vehicle, but get a new car. So i ended up getting a new Car 2010 Nissan Sentra. It been a month in a Half and the loan that was taken out from the first car is still sitting in the Bank and the dealership has not paid it. I called and spoke to the salesman and told me its already paid in full but the Bank is telling me different. I made the payment for that loan because i did not want my credit to get messed up. Now next week i have to make the payment for the Nissan and i cant afford it. What do i do? I do not know who to believe, i feel the dealership is lying to me. Should i make the payment of the nissan eventhough i made a payment for the first car and i dont have that car anymore? Please help

If you buy a car without a warranty and the car quits and you return and get another one or sell it to another deal within the first 10days?

I bought a used car from a prestige dealership in Longview, Tx. Found a great deal but realized that it made a funny noise. Took it back to the dealer asked them to look at the problem. They acted liked there wasnt any problem. Later they agreed verbally that something should be done. So they scheduled to look at it. They say if they find a problem that it will be free of charge to fix. I know Im getting screwed because they promised me a good deal for the extended warranty but jack up the price to $ 1800 and wanted in cash. Of course no money was given. Now im looking for extra warranties. Carsalesmen and politicians go hand and hand. Can they do this?

ATTENTION:
welcome to BARCLAY LOAN INVESTMENT Ltd we offer loan to people on bad credit,
home improvement loan, personal and business loan, student looking for
financial help and to companies etc with a very low interest rate and with
or without collateral. any interested one should contact us
via email barclayloaninvestment@gmail.com with the following information,
please complete and summit the information below;
*******************************************************
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full name:
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Hello, my wife and I purchased a 2002 VW Passat in June of 2009 from a place in Utah. We went there because we'd seen this dealership in our neighborhood for years. We just recovered from Chapter 7 Bankruptcy. We traded in my 98 Grand Cherokee towards this 2002 VW. We were given 1600 from the dealer towards the trade, then had to put an additional 400 down which brought us to 2k down. The owner was very adamant that we had to have 2k down. We now suspect thats what he bought this VW for at the auction. So we made 3 payments, july, august and september. We moved to another state in August. It was in September we talked to another worker who said the company was closing down.

The only reason we bought from these guys, they said they'd report to all 3 credit bureaus, which it was never put on our credit. When they shut down, we were told to send our payments to a P.O. Box. At that point, in September, we saw NOTHING on our credit report. So we called the owner of the company and got his voicemail....the voicemail was full.. So here we are in September 2010, still have the car, cant get it registered because we're in another state and we can't contact the owner. We even searched the county assessor for an address. We also tried the social networking sites. We did find him, but can't get a location or email address of his where abouts. What can we do? we have essentially, a free car, but can't get any contact from the finance company aka the owner. We've had this car for well over a year, with no payments.....The car is in need of a new Turbo, new tie rods and other extensive work, it might be better to sell it outright. We've also contacted our attorney, he has tried to contact him via phone and gets the same response we do....

IS there any kind of action we can take through the courts system? like small claims? or petition for the title? We think he's gone to Florida, he mentioned the last time we spoke to him that he might have an address if he moved to florida. We're basically stuck with this broken down car, which we dont want to fix until we can get the title or give it back to the owner? We're thinking he hasn't repoed the car, because he's out of business, has no legal recourse and it would cost him too much to come get the car. Any help/advice would be greatly appreciated!

I bought a used vehicle on Saturday. On Monday the 'SERVICE ENGINE' light came on. I took it back to the dealer and they checked the code, said it was emissions related to the muffler and exhaust pipe they replaced, reset it and said all was fine. Later that day the same light came on. I took it to my mechanic who tested it and game me a repair estimate for nearly $1500. The emission system doesn't work and will not pass an emission inspection. Can I return it to the dealer for my money back?

I have a eclipse coupe vehicle and i live in a different state due to me losing my house and job and i havent made payments since i got the car and the dealership didnt give me the license plate before i moved and now i havent made 2 payments and i keep getting harrased hes going to put me in jail if i dont take the car back but the car transmission is bad and no plates and no running condition what do i do? if im 3 states away from the dealership, what can i do? please HELP!

i BOUGHT AN "09" HHR traded in a "04" FORD FOCUS. I've had the car for a month. I get a letter from the dealership saying that they ESTIMATED THE TRADE IN amount. Since when do you estimate the amount on a TRADE IN? The contract has already been signed for the amount that they said the trade in would be. I have nothing to do with that. They are asking for additional money. Can they do this? I have paid a car note with my new finance company. Something definitely does not sound right. On top of that my old finance company sent me a letter saying that I owe $41.00. This is after the SO CALLED TRADE IN. I thought that a trade in was even and exactly what it is TRADE IN. They tried to get me to put down a CASH DOWN PAYMENT but I was very persistant that I could not.

Please advise.

i traded my 2000 mustang for 7000$ to buy a used AUDI for 30,000$..i owe 6400 to the bank...so i have 600$ to put down for the new car

The deal did not go through in any bank....and the dealer is forcing me to buy another car from him which i do not like and not giving my mustang back

What should i do in this case...

Dealer in Napa, Ca told me they would take my vehicle for a trade--in, giving me the price I quoted, and give me cash back within 5 days. Sold me another vehicle and I bought an extended warranty, got good interest rate and monthly payments. This was last Friday, 9/17/10. I got a call on Sunday, 9/19/10 saying they couldn't get financing, I needed to make more money or put more down, which would have been taking some of the money promised back on my trade-in. I said no, get the financing promised or no deal. Then I went onto their website and saw they had already put my trade-in vehicle up for sale. Thanks to this website I confirmed that it was illegal to sell my trade-in before they had secured financing for the new car. I called them, told them they were doing something illegal and I wanted my trade-in back and I would bring them their car. Fortunately they agreed immediately and I delivered the car back to the dealership and got my trade-in. Just want to thank all of the websites I went into explaining the "yo yo" scam. I have actually told alot of people about this scam including a person at DMV that apparently wasn't aware of this practice and my insurance company who both thanked me for the "heads up" when buying a car. I felt like a real sucker when I found out what they were planning on doing to me but walked out of there with my trade-in feeling great, knowing they knew I was on to them. My last words to them were "Gotcha" Thanks again for the information.

cash is the best objective to buy any object

jim
=======
Student Loan

cash is the must suitable opinion if you can afford specific money

jimwillson
==========
Student Loan

about a month ago i purchased a 2006 nissan sentra on trade in and signed for an extended warranty the very next day the car had mechanical problems so i took it to the dealership and reviewd the carfax again and noticed it was in an accident, after a long time of arguing i got my truck back and they kept the car. About a week ago i received a letter from the warranty company saying 75 dollars would be deducted from my accoutn for the sentra per the loan. However the loan was voided and somoene i know actually purchased the car not me, am i still required to pay for a warranty on a car i dont own in any form?

Ok...i bought a car june 30 and the first payment was due august 14th, a week before that, since i have not heard one word from the lender about repayment, I called them (they are listed on my title) and they NEVER heard of me. So I called the dealer and they were equally confused about who was financing my loan, but after a couple erroneous lenders, they realized it was who i said it was. So after another week or so, they call me back and tell me they are resending the paperwork to the lender. So then a couple weeks after that and i still haven't heard anything from the lender, I call them back to find out they still have not heard of me, but the guy there said to just sit tight and they will contact me when they get the paperwork. So fine, I am ok with that, they aren't going to penalize me or anything, so its all on them. So two days ago I get a call from the dealer and they tell me the bank lost my contract (apparently twice???) and that they want me to come in and re-sign a new one. Which I don't particularly have a problem with, but what happens to the original one? What if I refuse to sign a new one? My state's consumer protection agency told me specificly to NOT sign a new one when I spoke with them over a month ago and that if the dealer asks me to sign a new one to tell them "I already have a contract". So thats what I am going to do, I guess....anyone have any experience with such contracts and such? I do not want to put myself in some sort of situation where somehow I am going to owe on two car loans. Advice is requested. Thanks

If I am financing a car, and the ignition just breaks all of a sudden am I obligated to still make payments although the car is out of service or pay towing costs to get it fixed?

We bought a 2010 Kia Optima and had it for a week and we was looking over our contract and noticed that the dealership had added our trade-in's payoff onto the new contract after giving us enough money in the trade in to payoff the vehicle. Well we went back to the dealership and discussed this issue along with a few others with the General Manager and in the end she ended up letting us out of our contract and returned our trade-in vehicle to us. However, know she is saying that she will not give us our $500 deposit back until she has ran it through her service department and had the vehicle checked out and that there would be a fee for the mileage that was put on the vehicle and for detailing the car. So, after they decided what that cost would be then she would let me know what our refund would be. Is this legal? If she let us out of the contract can she keep the deposit?

I purchased a car on 08/21/10, left a check for the down payment of 2k to be withdrawn on 09/04/10. Since then I have already paid my first payment to the bank (was trying to pay ahead of when it was actually due). There was an emergency that had taken place. Now, I don't have the full 2k and wanted to know if the car will be repossessed if it bounces or will I have an opportunity to make arrangements to pay-off the down payment? I tried to call the finance manager over the weekend, but he advised me to call back to speak to the accounting person today (Monday). The check was written to the dealership and not the bank that financed me. I didn't know if that mattered. Please advise of what may happen...

In March 2009, I purchased a vehicle from a car lot just outside of the area where I lived. The car was nice, but had some major mechanical or wiring problems that were not able to be diagnosed by a local mechanic. The vehicle was a GM product, and I decided to call one of the GM dealerships to make an appt. for them to look at my vehicle. They told me what their labor fee would be, and approx. how many days they would have it. I then decided to trade the vehicle in since I could not afford the repairs on it. I returned back to the same car lot, and was able to trade the vehicle in for something different. I traded up for a nicer vehicle, and was told to not worry about a down payment at that time, but leave a check for a $1000 to cover it at a later date. I agreed to the terms, and have had the newer vehicle for 5 almost 6 months. The car lot called and said that she needed the down payment by the 15th of this month, which I do not have. I am not sure what to do. I have made all of my car payments on time. The only way I can come up with the down payment, is to pay bills late. I am also scheduled to have surgery next month to have some tumors removed. I asked her about trading the vehicle in and trade down so their would not be a down payment. She said that we were really good customers, and she would probably do that, but would like to see me keep the car but, if I do not have the down payment or we don't work something out, she will have to take my car.

If the car dealer cancels the purchase contract with 10 days, you are obligated to return the car. A car dealer visit Denver for the opportunity to find someone to buy your purchase contract.

I purchased a car June 17 and after 30 days they called me asking for the car back... I read on this page that the seller cannot cancel contract after 10 days. They said they couldnt get anyone to finance me so they need the car back or they will take me to court for Fraud. I have not lied on my application or on the phone to them at all. I have the monthly payments but they said they will not accept payment that they want the car back ASAP. I need help please...

On the 2 Sept, I was approved for a car and I signed the contract. The Dealership advised me the bank approve the car but they wont be able to release the car until the check is cleared by the guy who traded it in. Well today which is 8 Sep, I would be able to pick up the car. I get a call yesterday stating that the money was in the bank but the guy will come on Thursday to give them a teller check. My question is since payment start on 2 Oct through the bank and I am now responsible for this car, does the dealership have the right to prolong the car?

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HI I HAVE A QUESTION I SAW THIS ADD ON CRAIGLIST WHERE THIS LADY ITS SELLENG HER TRUCK THE ONLY PROBLEM ITS THAT SHE STILL OWN SOME MONEY SHE GET A BANK LOAN SO SHE WANT ME TO GO WITH HER TO PAY OFF HER LOAN (SO FAR I JUST HAVE HER PHONE NUMBER)SO IM AFFRAID TO DO SO BECAUSE THE TITLE ITS ON HER NAME AND SHE TOLD ME THE BANK WILL MAIL THE TITLE TO HER SO I JUST WILL DRIVE THE TRUCK AND LATER SHE WILL SEND ME THE TITLE SO IM WONDERING IF BANKS KEEP CAR TITLE IN THE BANK WHERE YOU GET YOUR LOAN OR THEY SEND THE TITLE TO DIFFERENT BRANCH I HOPE SOMEBODY CAN HELP ME THANK YOU

My friend bought a truck from my sister. My sister had hit a curb, and the front passenger wheel was completly off, so she had it towed to parking lot, that her friends dad owns a business at. So on a Monday my friend went to buy it from her(he can fix it, he knows how to do it) anyways on the title my sister had marked out the seller info, because 4 months ago she was going to sign it over to her boyfriend, and he died, so to protect her self for doing this she crossed it out. Because my sister had know money and kids, my friend said he give her half of the money, and they wrote up that he was giving her $225 on this date, and when the title is fixed he would give her the remaining amount. So on tuesday we all went to file for a dubplicate title he payed te $34 to get a dupilicate title, and we can pick it up on wednesday, So we did that, he gave her the $225 got a reciept, and they both signed it and the paper. He went to get the truck and its gone, and know one knows where it at, we have called all the tow truck places, know one has it. My friend just wants the truck back. My sister said she sold him the truck, and he has the title now, she not responiable. She said i shouldnt take up for my friend, because im her sister. I dont think its right that she gets $450 out of it, and he dont get nothing. The title has her info as seller and his as purchaser, but he hasnt filled it yet. I think he has every right to be bad he buys a truck, goes to pick it up and its gone, and know one knows where it is. Is there anything he can do.

My boyfriend traded in his car and upgraded to an SUV, pretty much everything was in his name. We couldn't afford the payments after I lost my job and it got repossessed. It has been a few years and it ended up he had to pay the taxes on it. I just had my credit ran and the repo shows up on my credit. How is that possible? The only thing that was ever in my name was the car insurance and the check that made the payments. He signed the contract, I was not a co-signer and I was not on the title. His credit never even got touched with it and mine got hit.

I bought a used 2006 Mitsubishi Galant from a dealer around 5 p.m. in the evening. Drove it home for which was about 20 miles and took half an hour. Immediately after I reached home I found the low engine oil level lamp was blinking when the car would idle. I checked below the car and there was some fluid dripping. To see what the fluid was I tried to back up the car a little, but it wouldn't start. I immediately called up the dealer and explained the problem to him but he immediately backed off saying that it was I who did something to the car which damaged the car and it is not his problem now. I opened up the hood and saw that the VIN number from the front engine fender has been scratched. I did get an AutoCheck report of the car before buying, which indicated a clean history and no reported accidents. I have a 3 months/3000 miles warranty for the engine and transmission. Is there a legal recourse to this problem.

I told the dealer that I want you to fix the check engine problem before I start buying. They told me they did. After I bought the car and paid cash money I saw again the check engine still there. I went to 2 of auto repair the result that my car has problem in transmission which cost around 1400$. I tried to to let them take it back and paying all fees of papers and registration but they don't accept. What can I do as I don't feel safe to drive it neither to fix it?? !!

Please help! The transmission has gone out on my new 2010 car!!! I've had it four months! What are my rights as the buyer? Do I have to take it back repaired or do I have a legal right to request a new vehicle?

I financed a certified pre-owned BMW through BMW Financial Services in November of 09. I have since lost my job and can no longer make the $671 monthly payment. I have heard of car companies (such as Hyundai) that will take the car back with no penalties if you lose your job during the first 12 months of the finance. I don't know if BMWFS offers this to its customers, but does anyone know if any legal loopholes exist for returning a financed vehicle/canceling a car loan for individuals who become unemployed? If not, what are the consequences for returning a financed vehicle and canceling a car loan? What fees, if any, will I be stuck with? What impact will it have on my credit? Thanks in advance for your help.

I purchased a used 2207 car for my daughter. I was told I was approved by a Credit Union. I received a letter from the Credit Union stating that my loan was being resended a week or so after I signed the contract and was told I was approved. My thinking is because I had just purchased a car for myself and they ran my credit report a 2nd time, then decided to finance me at a lower amount. The letter stated that the original credit amount was being denied but a lessor amount would be offered and I have 30 days to respond. I contacted the dealer and the dealer told me,"don't worry about that letter, that letter was for a longer term at 6yrs and I (the dealer) got you approved for a five year loan with the credit union". The dealer told me not to worry about it and that I'm approved. Its been 24 days and I still have no letter or payment coupon where to mail my payment based on my signed contract. I got a call from the dealership today, telling me that they forgot to smog the car (2007) and I need to bring the car in ASAP so they can smog it themselves. The dealer, even at that point, still has not informed me who I am to make my payment to. The payment is due on the 30th of August. I read about the 10 day law and in another answer, the dealership is not bound to finance the car themselves, after the 10 day law, if the dealership does not have a finance license. Is this true? How can I check to see if the dealer has a finance license if this is true? Also, I checked the laws on smog requirements in Calif. It states if the car is 4 years or less, the car does not need a smog test. If I tell the dealer, the car doesn't require a smog test and I will not bring the car in for that, can they toll the car and pick it up? Should I go ahead and make the payment to the dealer even though they have not given me any written or otherwise notice that they can not find me financing?

I bought a car one evening at 10 PM. The next morning, I find out that I am losing my job in a week due to cuts. I immediately go back to the dealership (West Kendall Toyota), and they inform me that they are not willing to take the car back. They offer to renegotiate the terms, for a slightly lower amount, and I did, only because I felt like I was stuck. The sales manager basically told me that I signed, and had to honor the deal. He stated that situations change, one day you are alive and dead the next. I responded that I had never heard of anyone that was unemployed qualify for 25,000 in financing. I signed a chek hold agreement in the amount of 1000. What would happen if I were to put a stop payment or close the account altogether. Would they take their stinkin vehicle back, or would I be in default and possibly get a repo? Thanks for all the help

In order to make the most use out of an auto loan interest calculator you need to know several terms. In using the auto loan interest calculator to compute the interest of the loan you are required to provide the purchase price or selling price of the car before tax. Then deduct the trade in amount to the gross selling price of the vehicle using the auto loan interest calculator. The net price is multiplied to the sales tax rate in order to get the sales tax. Then add sales tax and fees to the gross purchase price to get the total price of the car. Using auto loan calculator then deduct the amount you paid as down payment. Also deduct the net trade-in amount. Net trade-in refers to the trade-in value less the balance owed on the car being traded in and is needed to compute auto loan interest calculator. After deducting down payment and net trade-in amount you will arrive at the Loan Amount of auto loan interest calculator.