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?

its nice.This site has perfect knowledge of real estate

Finance Jobs

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.

I purchased a car on August 5. i wasnt notifield that the deal didnt go throught until August 17. they mailed me a letter on August 16. The dealer is now telling me that I must return the car to them. This has been over 10 days. what do i do know?

Getting a loan is becoming easier these days with increasing option of lenders in the market. The interest rates are also facing a downfall because of the competition involved in the loan market.
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Bad Credit Loans

Okay this just happened to me. I bought a Car from a deal ship off my debet call in the full amount of the Car at the end of Jaunary 2010, So now its August 2010 and The dealer Repoed my Car. Can they do that. Like i said I paid in full amount for the Car. So i call and they say I did credit card fraud. Saying that the money they took off my card came back as credit fraud and took money out the car dealership owner's account in the amount that I had Paid already. So now he say i gotta buy the car again in order to get my money back....

This is a Very good website to discuss issues
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Cherian Samantha
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Car Loan
http://www.autoloanpro.net

This information is really very useful to all, because we seen these day's problem are occurring and we not know about these rules and must be demand charge for using those car. Thanks much for this blog.
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Car Loan

This information is really very useful to all, because we seen these day's problem are occurring and we not know about these rules and must be demand charge for using those car. Thanks much for this blog.
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Jdjeny
Car Loan

This information is really very useful to all, because we seen these day's problem are occurring and we not know about these rules and must be demand charge for using those car. Thanks much for this blog.
=====================
Jdjeny
Car Loan

I bought a used car yesterday and today I found it posted on the same dealerships website for $2,000 less and they won't adjust the price, do I have a leagal right to return the car?

me and my fiance recently bought a car from a dealership called J&R auto... the seller also did not sign the contract.. is it void then? and we have been paying them for the car they had most of the time because it broke down and wouldn't start. and i had so much trouble with them that they rigged it up and broke it down even more costing me more money. everytime they fixed it, it broke down more than before... then i asked for my money back and they said they cant do that because of the contract (but they didnt even sign it!!) doesnt that mean the contract is void??? and i also told them that if this keeps happening and i have to get it fixed by someone else then the car is mine completely and they said ok and i have witnesses for that as well... what do i do? get it fixed and keep it and if they try anything take them to court? because they gave me a contract unsigned by them. and they really messed up the car.. what advise can i get for this.. i was hoping to sue them for fraud and for getting us almost killed on the freeway because the car died and seemed to stop as if i was pushing the brake right while i was driving at 65 to 70 mph. and they did nothing. what do i do? what are my options? please let me know!!

Hello every one,
My name is Mrs Ruth Brown I live here in USA and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $58,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender,BARCLAY LOAN INVESTMENT PLC , they were the savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $58,000 US dollars and i will advise any one who is in genuine need of a loan to contact BARCLAY LOAN INVESTMENT PLC via barclayloaninvestment@gmail.com OR barclayhouseofloan@hotmail.com
because he is the most understanding and kind heated lender
i am posting this message in yahoo answers every day in order to express my ever lasting gratitude to Mr BARCLAY LOAN INVESTMENT PLC

the timing belt snapped causing around 5K in damage. the car isn't worth 5k however i owe 9.5k. I dont have a warranty however can i get one to fix the car?

I purchased a car through a dearlership and at the end of the sale they said they needed to get an up to date inspection. We brought car back up to dealership and a week later by mail we got notice that the vehicle failed some parts of the inspection. The car has only a little over 16,000 miles. The dealership has said that some cars fail with only 5,000. We were under the impression that the verhicle had been inspected and certified upon purchase, that they only needed an up date for some reason. Where do we go from here. Liscence are due in two weeks.

Purchased a used vehicle for a set price...deal says loan is approved by bank two days later, but calls again another two days later stating that bank wants money down in order to approve the loan. Is this valid? or is the dealership just trying to make a buck back on a deal that is already complete?

On the weekend of Memorial weekend, I was in the process of obtaining a personal loan for around $28,000. I was told it was approved a few days later and let the dealership now. I have done business with in the past and had no problem. I provided a post dated check and was told to take the car. I signed an arbitration agreement and was given a bill of sale for $25,000 for a 2009 Toyota Camry. Well, the loan fell through and I put a stop pay fearing a bounced check and immediately notified the finance manager about the stop pay check. I tried to give the car back. They refused. So i was forced to come up with another loan to cover the amount. Well, I was scammed a few times with advanced fee loans and could not come up with the money. They finally took the car back three weeks ago. Now, I have been threatened with arrest and fraud. I have given the dealership $200 per paycheck since that time because the GM has told me that a car deal must come out of this or I will be arrested for fraud. I don't know what to do, since I am paying for a car that I do not have.

i bough the new hyunady tucson, we sign papers on july 5th, after 2 weeks dealer ask me to resign papers we stop on this location and we resign the papers with date of july 6th, today august 3 they ask for another stop for resign papers again , can hi do this?

My Grandfather bought a used car from a dealership yesterday evening at 6pm. Paid for it in cash and came home and parked it under the carport. This morning at 8am, he went out to get it in...it wouldn't start. My grandfather, not able to read for himself, took my dad with him after we talked with the salesman on the phone. He told us a lady had it locally, traded it on a new car and it's a 2 owner. He goes down, buys it based on that but gets the carfax and brings it home as well. They picked it up on a rollback today about 1pm. Haven't found the problem with it yet and my grandfather just don't trust the car now. He wants his money back. He put 22 miles on the car. Also, I looked at the carfax. It was purchased from an auction and the lady that owned it, lived in a totally different area about 3 hours away. They say they can't give a refund and he's stuck with the car because the paperwork was signed...what to do?

I recently perched a used car from a guy I know at work. We wrote up an agreement on the sale of the vehicle. Since I did not have all of the money that he was asking for the car, we agreed that I could pay in 3 installments and he would keep the title and the car under his insurance (I was to pay an extra $30/month for insurance through him) until the car was fully paid. He told me that the car was in good working condition. A few hours after I had given him my first payment and received the car, the car started breaking down. It couldn't even make it up a small hill I have near my residence. The next day at work, I told him that the car was not working and I wanted my money back. He told me, "We already spent it but on the 5th you will get your money back." It isn't the 5th of August yet, but I woke up this morning and the car was gone. I am almost certain it was him because he has been ignoring me at work and not answering my phone calls when I asked him if we could negotiate. I called the cops to report the vehicle missing and the cop suggested that I take him to civil court. I live in the state of Washington and am already not doing well financially any helpful advice would be greatly appreciated. Thank you!

I bought used maxima 2004 on satarday 07/17/2010 , there was some problem with the car and i went back to dealer on 07/19/2010 and ask him how can i return the car, The dealer he cannot take back the car but can trade it for new car, so i bought new nissan altima 2010 (I paid them premium price for that ). and make 50% downpayment . on 07/26/2010 I went back to dealer and give them the remaining amount in check (Which i finance throught credit union.) and got receipt.

Next day he called me and said the check you gave is not sign and i said i will come on satarday (07/31) to sign the check.
They said you have to come today or else we will finance you throught nissan with 9% APR .......
I have receipt of full payment.....
What should i do ?

i and my husband bought an 03 toyota corolla for 4000 euros from a private garage.we got the comprehensive insurance coverage that day itself.but my husband got an accident 2 days after buying the car.the car is completely gone he is not injured.no 3rd party involved.he got a skid.we claimed the insurance.but they found that the car got an accident before we bought that.so they will pay us only 2500.but we did not know about the accident before buying the car.so what will we do now

My wife and I got a car from a use dealer at first the car was financed through drive which is now santander after a few months went by and good payments which means it was helping my wife and I credit scores, we received a letter stating that the use car dealer brought back the loan and that we would now have to make payments with the dealer. At first the dealer wasn't a buy here pay here when we went to get the car now they are one. Now we didn't get any consent of the change nor did we get anything from the dealer as to why they were doing this. So now we are stuck paying for a car that is not helping our credit which was the plan. Is there something we can do to get away from this???

Hello Mou_sheng01@hotmail.com ruined my life.

Am Helen wood from Ohio state of united State of America, when i was in dire need of $25,000 for kidney transplanting in April this year 2009. i searched everywhere in view to raise the money and due to desperation` i was scammed thrice by some of these Online loan scams until my church member Edith Micheal introduced me to this God fearing and honest man Christopher Johnson, of Gold Trust Home Finance. Christopher is a member of the Predatory Lending Association at http://www.predatorylendingassociation.com/ He helped and transferred the loan to me within 24hours, at least that's what I thought until he stole all my money so in hereby recommends anyone in dire need of loan of any kind to contact these God fearing man and their loan firm via this e-mail:mou_sheng01@hotmail.com, tell him that Lizzy is cursing him form the grave.

Hi, I represent Moushend Loans. We specialize in stealing money from the sick and the poor. Here is the message that I have been paid to post: I have search internet and found out that it hard for you to get a good company who can offer you loan without fee and i feel for that and i was been taken like a fish by a loan shark,until i came in contact with Kenned jones and told me that she got her loan from Moushend lood loans and which i thought it was same to other loan shark and before i could know it the company called me to confirm my account and my information i gave the company and i was surprise,i find the sum i applied for when i visited the bank. Then thy sold me into slavery where I service sailors in Shang hai at low wages. I love my job. It beats being exploited by Moushend Loans.

The wife and I purchased a new Yukon and traded in our tahoe with a lien a against it. The dealers still has not paid off the trade-in like they were suppose to. The first time they mailed the check to my house with the wrong bank name on the check and wrong account number. I called the lienholders which was Citi-Financial and they said they would not be able to cash the check since it was made out to Citi Auto instead of Citi Financial Auto and the wrong account number as well. So I called the dealer they told me to bring the check in and they would correct the mistake. It has been two week since I have brought the check back. I am already late on the car pymt for the trade in now and about two be two months behind all because the dealer is taking is sweet ass time. I have been talking to the lien holder on the trade in and they told me if they do not receive a pymt by JUL 14 it will make my credit look bad. Do I have case when dealership ruins your credit all based on no organization and professionalism. The wife and I are going to buy a house in a year. If this prevents that I will sue. Do I have a case.

JUL 11 2010

TROJ

I purchased a car almost a year ago and have been paying on it through a financing company. But I got fired from my job, been collecting unemployment and paying that way, what do I do now that the financing company knows I no longer work? What will happen?

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I still owed a little over $5,000 on my Mazda 3....I traded that in and the dealer eliminated the loan. I leased from the dealer on the 25 of June. Can I break the lease and get my car back?

Hello All,

I would just like some advice on this situation that I am dealing with. On Saturday, June 3rd 2010, I purchased a used 92 Lexus ES300 from a buy here pay here lot in Columbus, Ohio. I put 1200 down and paid the taxes and title fees. In total I paid them $1575.00. Before purchasing the car, I had tests run on it to make sure that I was making a wise decision because I am a full-time college student at OSU and this is my last year of school and of course, being a full-time college student I have very limited financial resources and I just don't have the time or the money to deal with my car not working properly. I felt comfortable about buying the car so I went ahead purchased it with the agreement that I would make payments every two weeks on it. After purchasing the car, I took it straight to get the oil changed and was informed that I had a bad oil leak. This was not even an hour after I drove the car off of the lot! I immediately called the dealership back and he advised me to bring the car in today, Monday June 5th, for them to take a look at it and fix it. A couple of hours later, while on my way back to my apartment, my sister notices that the temperature gauge is suddenly increasing very rapidly. Luckily I was really close to my apartment so I made it home and parked the car and of course, immediately called the dealership again to notify them of this. It was after business hours so I received no answer but I have since left several messages and have had no reply. Im guessing that they have been closed because of the holiday. My brother told me that it was probably the radiator or the thermostat but I recently dealt with a car having a horrible oil leak and the engine blowing on me. Like I said, I am a full-time college student and I need a good reliable car not a car that I have to constantly worry about. I would really like to return this car and get a refund. Is this possible, especially being that I was experiencing and reporting these issues to them only a few hours after I had the car? Any advice on how to deal with this would be extremely helpful.

Thanks!

My car was making a noise so I decide to get a new car. I went to the dealership and found something I liked. I told the dealer my car was at the repair shop getting checked out for the noise. I told him I could think about the deal and bring over my trade in the next day. He wanted to close the deal right then so he said he would take the trade in sight unseen or as is if I did the deal right then. I agreed. I signed all the paperwork and left. I got a call from the repair shop and the repair was more than we imagine. I called the dealer to tell him but now he was to redo my paperwork and take back the trade-in amount. Can he do this? I wanted it as is! He knew up front there was a problem.

HELP: i just bought a car and the dealer didn't get me approved through their finance company....so they call me and they say they got me approved through a different bank and they call me day after day so i can go and resign a new contract, my question is if i don't want to sign the new contract which would be 17% apr which is ridiculous, can i return the car and get my down payment back? its been 3 weeks and they notified me within 10 days but have not gone to re-sign. they said they cant do that because they do have a bank to approve me, if they didn't have anyone to approve me then they would do that.

My uncle signed a contract at a dealership, got a bank loan, bank sent money to dealership, but my uncle changed his mind and does not want the vehicle and car is still on dealership lot...can he get out of this signed contract...he has called and said NOT to bring, doesn't want the keys and they told him they were bringing the car anyway and leaving the keys...is this legal for them to do in the state of Massachusetts? Bank already paid dealership for the car and this particular bank (Toyota Financial, I believe) said they don't check if the car is insured or not and said that they would have to speak to someone else...I just hate to see my uncle get stuck with a car that he really cannot afford at this time due to family emergency.

Bought a car and traded in another vehicle as down payment. Dealership shorted themselves 10K on the contracts. Should I act like everything is good, the end,,,and take my car. How long does the dealership have to act on this matter? Legally? I think I might have gotten the best legal deal ever! Please Help!

My husband bought a 2005 Chevy Silverado 4x4 April 28, 2009 for my birthday, we test drove it ran good. We live 45 miles from the dealership. He signed papers and we bought warrenty. We drove it to get it inspected an it didn't pass inspection. The emergency brake, Horn, Speedometer, Tires, service airbag was on, and the seat belts didn't work in the back cab. Now we drove it home and the tires started to fall apart. I told my husband this is not right. An pleaded to take it back! Well as we were gettin home the transmission started to act up. Needless to say, I called an asked if they could take the truck back or trade for another one for the same price as this one 9,500. they sd NO! Well I told them we couldn't get it inspected an can't drive it like that an they sd wasn't there problem it was mine now. But they gave me a # of a guy they work with that could pass it the way it is. I told them no way and I wanted everything fixed to get it legally an he sd they weren't going to pay for that. I took it to a mechanic to get everything fixed an he sd my truck needs alot of work, from everything I mentioned to Front main seal, Transfer case seal, all front end work, fuel pump, fuel gauge, AC cuttin in and out and dangling wires. So, I drove it to another Mechanic 2 months ago to do all the work an the transmission locked up. I don't know what to do and I need help? What are my rights I know it's been a year but it hurts to keep paying for a vechicle that we can't drive. I've asked a lawyer an they want 1,500. down with 100. an hour. They told me to give them the option to take it back which we did. Now what can I do? An was it legal to drive off lot with No Inspection sticker? Oh yes an we Did Not Sign an AS IS

I BOUGHT A 2006 SUZUKI FORENZA BACK IN 2007 FROM FAULKNER SUZUKI. THE COMPANY WENT OUT OF BUSINESS A LITTLE OVER A YEAR AGO. I RECEIVED NO NOTICE OF THIS AND WAS THE TOLD THE FOLLOWING MONTH OF THEM CLOSING THAT PAYMENTS HAD TO BE MADE TO ANOTHER DEALERSHIP, A BUY HERE PAY HERE. THESE PEOPLE ARE LOAN SHARKS! THEY ARE CONSTANTLY TELLING ME I AM LATE AND I HAVE MY BANK STATEMENT SHOWING PAYMENTS FOR THE MONTH. HOWEVER I DON'T HAVE THE ORIGINAL LOAN DOCUMENTS AVAILABLE FROM FAULKNER SO I REQUESTED COPIES FROM THIS NEW COMPANY WHO REFUSES TO GIVE THEM TO ME. I DESERVE TO KNOW WHO CURRENTLY HOLDS MY TITLE AND HOW MY PAYMENTS ARE BEING APPLIED AS PROOF THAT I AM IN DEFAULT IF I AM IN DEFAULT AT ALL. I REFUSE TO MAKE ANY MORE PAYMENTS UNTIL I HAVE THAT PAPERWORK AND NOW THEY ARE THREATENING REPOSESSION. WHAT CAN I DO?

Thanks for the Valuable Tips, i did not know so much is involved in a simple purchase contract, thanks again ............. keep up the good work

I financed a car with the dealership and the guy somehow approved me for a loan with high interest rate from M&T Bank. I suspect that they used my old work history that I provided as recent. Unfortunately I did not read the fine print before signing. But it has not been ten days since I bought the car and finally deciding that I do not need this inflated rate and price for this car. Should I contact M&T and see if they can cancel the contract based on not being employed? Help! before time runs out.

I have this 2009 Toyota camry for about 2 yrs now. I am going overseas for good and I want to return the car from the Toyota dealer. Can I do that? Is there any fees that I must pay? Please help!!

Question comment back asap, im pretty sure i already know the answer but a little experience never hurt, i went to the dealership and bought a truck and got it for 12300 i put 2000 down and then signed up for an optional 3rd party warranty, i thought it was a good deal when i got home I went Pre-Law and read everything and discovered that to continue with the warranty i would have to change the timing belt at 60000 as well as regular oil checks, the cars at 51000, so im decided im against the warranty and worse case scenario the money that would go for the warranty could just go for repairs, my questions is i have already signed all the paperwork with the exception of the loan agreement, am i legally binded to the contract or should it tell them to redraw up the paperwork. confirm my expectations,
thanks

please help!
i got a van from honda dealer.
Original contrat date: June 05, 2010
now i recieved a certified mail from them dated June 15, 2010, that notice of election to rescind, because they are unable to assign this contract to a financial institution. on our contract its says that they have the rights to rescind a contract withing 10days of the original purchased. however, i just got the letter today June 22, 2010, and on the envelope its dated that they've just mailed it yesterday, June 21. so in reality i was informed of the changed just today. so my question is can they do this? i know that if they notify me withing 10 days then i understand, however, their 10 days have expired. please help me....

I bought a used car from dealership. I signed the papers a day before going to vacations-long trip to other part of country. Proof of insurance got from new insurance company. I told them (insurance company and dealership that I go for 2 weeks vacation-tomorrow). As it turns out my insurance that I got didn't covered a collision, only comprehension. The dealer was in contact with insurance -they exchanged phone calls-so they completely understood this luck of coverage. Next day I had an accident (brush with animal, slide from highway, totaled a car). Dealer called me next day at home (after accident, when I waqs on the trip) and left message that I need to add additional insurance. I already had an accident. Insurance refused to pay, proposed lienholder refused to finance, dealer is suing me for a breach of contract. Dealer insurance agent send me papers: 1/ that I give them power of attorney to represent myself; 2/ that I include in the title dealer as lienholder. Now dealer suing me as a breach of contract. Send interrogatories. insurance never investigated a case, they send me half year later a response, that I do not have proper coverage.
Any advice?
thank you.

On 6/11/10, I traded in a 2006 Ford explorer for a 2010 Ford Fusion. When I signed the areas I was asked to sign I wasn't sure what a particular portion of my contract said, but I did not worry because I was not asked to sign that particular section. However, when I got home, I looked over my contract again and realized that the cost of the section I was unsure about was in fact included in the total final price of my contract, even though this portion of the contract was explained to me and I did not sign this portion of the contract. Yesterday, I was to come in today to rewrite my contract for a lesser term, smaller payment, lowered vehicle price, and 0% interest. Except, there was no mention of the portion of the contract that I did not sign. I went back today to meet the rep that wrote my contract but he was not there. He left my new contract with someone else.
Apparantly, the company that was to finance my vehicle, did not accept the original deal. So, the new terms changed to : 60 payments instead of 72, 0% instead of 1.9% interest, total value of contract from about 36K to 32K, and last but not least my payment went up not down from $508 to $540 a month. Still no mention about the part I did not sign.
I finally had to ask myself about it. This section in the contract was for a maintenance package, and an extended warranty package that I knew nothing about. That is not all. The cherry on top is that the rep that wrote up my contact signed my name twice on it, and did not even ask me if I wanted it or not.
Can someone please give me some advice on what I should do? Should I report the dealer? How can I use this to my advantage? Please help I only have a few days left.

Due to bad credit, 50K medical, and dire need for new car, go to dealer. They will try to get me financed. I wanted a new car 25,000.00 - 7K down, and 400.00/pmt. They said they will try to get me pre-approved, have me sign all these documents, w/high rate 22%, pmt at 500 on a 2008 20,000. vehicle worth 23K, (actually worth 20).

I asked them 3x why am i signing all of this for pre-approval, and i want a 2010 not 2008. They said we request high and it will come back lower.

this was on wed 6/16/10 on go to dealership and 2 reps ASSURE ME that i am not locked into that signing for the 2008, that I was still pending approval.

Today - dealer calls, that Im approved, they will need more tan 7K down, and i can get the car 2008. AGain, i tell him, i told yoau and we agreed wed/thur i do not want a 2008..... now what do i do?

I want that paperwork destroyed, and start w/approval amount, and get a new car for 20K or less, withmy 7K down. financing 1 ...3K w/lower payment - IS THE PAPERWORK I SIGNED LEGAL AND BINDING? i GAVE THEM 0 MONEY DOWN AND I DO NOT INTEND ON GETTING 2008, ANY HELP WILL BE APPRECIATED ON THIS DOCUMENT.

I bought a used car from this dealership and i've been driving for 3 months without my license plate. For the past three months, i try to contact them every day to get my license plate but they've been pushing me off, until this month, my car was repo by the previous owner, i got so so mad , i called the owner of the dealership, he told me that he try to work thing out for me,and i didn't hear anything from him since. so bascially, they sold me something that it's not belong to them; and I put down a big payment for this car too, and GMAC approved me for the loans too, but now they dont even have the car title. I called the bank and they said they can't help me, please.. help me.....now i dont have the car and i still have to pay for the car payment...

ok i turn in my truck a 2008 f150 ok well i need a car bc going have a baby ok but the car is 2010 cobolt and the payments still like my truck 407 and i/m not happy should i turn back in and just save money for a use car bc that was my plan to do i think i got rid off really even as bad credit.

On May 22, 2010 I signed a contract with Nelson Mazda for a car. I was financed through a bank in TN. The dealer asked for $2500 down payment and I agreed thinking I could get the money from my 401k. Well I wasn't able to get the money so I called the dealership and this was after 10 days to let them know I wasn't able to get the down payment. When I was in the dealership they said when the bank calls tell them I put down the $2500 when I didn't YET. So I did and didn't think anything of it. The dealership gave me until June 24, 2010 to get the down payment. I gave them a post dated check. Even though I haven't paid the down payment and the financing has gone through and it's been past 10 days can the dealership take the car back?

Get your financing before you go to the dealer. Even if you get a great deal on the car, many auto dealer scams come into play when it's time to talk financing. Auto dealer fraud often happens because the buyer is uninformed.

Bought a car in April 2010, put down $1000 in cash and my trade in was valued at $2500 which would bring buy down payment to $3500. I told him that was all I could afford. A week later the Finance Manager calls me out of the blue and says that I qualify for a lower interest rate and to come in an re-sign the contract. I went in an signed the contract. Three weeks later he calls me back and says that I agreed on an additional $500 down payment. I never agreed to that, a promisary note was never signed and the car had been fully funded at that point. Now they are trying to force me to pay somthing that I never agreed to. What rights do I have?

I went to buy a used motorcycle from a dealer. We worked out financing and I went to the bank and signed loan papers. I never signed a purchase agreement for the bike. Was told I could come back in a week and pick up the bike. Went back, they don't have a legal title for the bike, they say they can't sell it. They have none on the lot near it in price. I told them I would go somewhere else. Now the bank that they financed me through says I have to pay $250 in loan fees. They had not sent the check to the dealer yet, the VIN they had for the bike as security wasn't even correct. Do I pay those fees or should the dealer?

On 2-23-2008 I was asked to come intoi Grossinger auto here in Chicago to co-sign for a friend on a business deal. I did and we drove home in a 2005 Chevy Cobolt. I went to Iowa after that and my friend kept the car. I was maild a contract DHL to sign for a car for myself, filled it out and sent it back in the return DHL envelope. I was called to come in to pick upa 2008 Toyota.

When I got into the dealership @ March 8th, the delaer told me they didn't know why I was there and didn't know what to tell me! So I left upset and went on that Monday/Tuesday to another dealer and got approved for a 2005 Dodge. 3 weeks or so I came to find the dealer had taken back the car from my friend and gave my friend the car they called and told me to pick up that they said they didn't have.
I don'nt know what happened to the Cobolt and nor why would they lie to me.

I winded up being stuck with two open car loans as well as repossessions! I am suing them now for consumer fraud. If any knows a a probono lawyer let me know.

I am leasing a toyota prius two years ago for 5 years. The dealer was closed months ago. I am still making monthly payment to toyota finance department. When my lease ends, where do I bring the car to? What will happen?

I went to a dealer to finance a used car. He ran my credit. told me i can get it for $274 a month for 42 months. so i was fine with that.i signed the contract and i put half of the down payment. (which i notice the next day the check was cashed) and left the dealer with the car well the next day he calls me and tells me that the bank did not approve the loan. but only if i add someone else to the loan. and i didnt want to do that so the dealer ask me to return the car. My question is, Is the contract over since he asked to return the car? so i returned the car but he did not give me my down payment back. and is now saying that he is going to finance me one way or another with that car. But i dont want to do anything with that dealership any more cuz the car was making some weird noise. what do i do? i haven't signed a new contract and am not. but he said he will make sure he finances that car for me cuz am still bind to that contract. ??? is that true?

I purchased a Jeep Commander fully loaded for the sticker price of $45,500 on Sat 29 May 10. I was told that I would get $6500 in rates, which would handle my remaining payments on my lease ($5300). My credit rate is at 600 and I was told that I would have an 11% interest rate on the vehicle. Now my math may be wrong but isn't 11% of $45,500 approximately $5,005? Simple math would be add $5,005 to $45,500 and I should have a total car purchase of $50,505, correct? I wanted payment under $550, which may have been unreasonable but to make a long story short, the dealer said that because of the banks interest rate, I would have pay $823 for 84 months. So I'll actually pay $69,132 for the vehicle vice $50,505. I felt that I should have only paid $601 for 84 months and that was only if I decided to pay on a vehicle for 84 months. Is there something wrong with this picture or is this process correct? I'm going in to discuss this with the dealership, who refuses to answer my phone calls today, 31 May 10, and see if they will review the facts with me. Can someone school me before tomorrow?

i went to a dealership and bought a 2006 chevy cobalt. i put 2500 down and the rest is being financed by a bank through the dealership. i had to do this as i dont have any credit so the interest was high. i went to get the car and the key got stuck in ignition and so i left it for them to fix. right now i am contemplating getting a different car from them. is this wise? the car is already registered but not i have halted on the insurance.

I am wondering what the laws are regarding the 10 days financing. My husband bought a truck back at the end of February of 2010, and after 2 months went by we contacted the dealership to see why we havn't received any paperwork in the mail regarding our car payments for the lender. Keep in mind this is approximately 2 months after he bought the car, signed the contract that said they him approved, with the $340.00 monthly payment and everything. Come to find out, the dealership, (Mazda), has NOT gotten him approved for a loan yet, 2 months later.. After we contacted Mazda the first time towards the end of April regarding the issue, we got two letters in the mail from two different loan companies about a week later, both denying him a loan. This has been well over 10 days since he bought the car, going on 3 months now, and we still hardly have any information. We just called Mazda again yesterday asking what is going on, and they said that if we want to, he can bring the truck back in and they will give him the entire down payment back, a total of $2,500, and find him something else that they can qualify him for. What is going on and what should we do? More so, what are the laws pertaining to us having this vehicle so long without them getting him financed? It's not like we are trying to buy a luxury vehicle either. The loan was for $14,000 after the $2,500 down payment; fairly inexpensive for the truck that he purchased, a 2007 Chevy Silverado. My husband needs a reliable truck to get him back and forth to work, and I don't imagine they will have something of that quality for less than $14,000 if he takes the truck back. What should we do?
Thank you.

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I bought a car on Mothers day just 24hrs after dealing with my car being stolen. I went in and found a car at a decent price I Could afford. I gave them $1500 down and all of the documents they required for the transaction to take place. I walked about with the car, contracts signed. 5 days later I get a call from one of the sales associated, telling me that my loan was not approved because of my lack of proof of "income". I am self employed and do freelance work with different brands and marketing companies. I provided them with all my contracts, W-4 checks ect. So I did not hear back from them, I faxed additional verifiable income. Two weeks later after the fact I get a call from a Sales Manager. He stated I need to come back to Carmax, return the car or try to get finance again through the same credit company, providing all of the documents again and I would have to give 30% down, which is another 2000K. He stated most of the time if somone puts down at least 30% of the downpayment the finance company doesnt event look at the income, which did not make sense to me and I stated that. He said it isnt a guarantee but they can try again.

So my question is. Its been past the 10 days, and since Carmax was not financing the car, that law doesnt apply to them correct. I was reading the fine print on the back of the cotract and the only thing it stated is that i have 5 days to return the car if I am not happy. At this point I rather just turn in the keys and get my money back and just by a car cash then to deal with this mess again.

I think they inflated mu montly income, and I would put a significant dowpayment down. But because my verifiable income comes from 20 different agencies, and i dont have 1 source of income it was hard to find a lender that would approve me.

any thoughts?

I brought a car from a private dealer on sales final my first time through a bank and I really didn't know but. It came with alot of problems now I found out about blue book price can I still do some about it after a year later.

I just bought a used 05 Honda Accord on Saturday. On Sunday the car would not start, i called the salesman and he wanted me to find a tow company to tow the car into the dealer. I told him that i was not my responsibility to do that being that i had didn't have the car 24 hours. After going back and forth they had my car picked up and towed into the dealership, turned out the battery was bad in the car. The dealer called yesterday and said that the bank didn't approve my loan at 9% interest rate that they wanted to go up to 12%, which would make my payment go up. I told them i could not do that financially. So they said they would take 1800 off the price so i could keep the payment the same, however i told them that i would just take the car back to them. They said if i do not sign the new contract that they would just buyout the original contract and i am stuck. Can they do that or are they just trying to jerk me around to keep the car???

I bought a car on Saturday, I was told in the we owe part of the contract that they would fix my key and a few things that were wrong with the car(lights was out, and brakes). Well, I left the car for a day and come to find out none of the things were fixed, I had to fix the light myself. Well I called today to check status of new key and the Manager said he was not making a new key, nor was he gonna fix the one I have now. Well we got in an arguement and he said he would call me tomo with the salesperson. What I am wondering is, if the dealer did not sign my contract, and I have not provided proof of residency nor pay, is the contract still binding?

How long do I have to cancle a new car loan at dealer

I have purchased a car from a dealer, financed through the dealer and loan was approved from capital one bank. Few weeks later, i noticed my car was missing from my house, only to realize that dealer had repo. my car under the false pretense of capital one bank had cancelled my loan. So i took the liberty of contacting the bank, and it even provided me with a letter stating, loan is indeed active, and no statements were issued to the dealer to repossess my car. And just to clarify, first loan payment was already paid out, and the 10 day notification from the dealer giving them the right to cancel is well overdue at this point. I just recieved a call from a someone who knows the dealer quite well, informing me that my car had been sold to someone else. The loan i have with the capital one is still active, and i have the possession of the title, and the pink sheet. How can this be possible, and what do i need to do press charges, and cancel the loan from the bank??? Someone please help me.

My husband and I paid for a truck on Monday in Philadelphia, We went to the the titling place with the dealer and they could not issue us a tranisit tag becuase the title was still in the name of who ever the guy bought the truck off of and it was a salavage title...Something he did not tell us about before we paid for the truck. The lady at the title place did what she called a salvage to salvage to take the truck out of the old owners name and put it into mine. I paid and got my recipe. She said that the title would be back in about two weeks. I went to the DMV in Delaware and paid for a 5 day transfer day so I could drive the truck from PA to DE. I have paid for the car in full. I have the bill of sale, I have insurance on the truck and I have paid for the title work in PA. I even have a temp tag for the truck for Delaware. I went to go get the truck and the dealer will not let me have it. He said that because the title is still is his name I can't have it. The title was never in his name and it is being put in my name by the PA DMV. I paid for that and have the recipe. When we asked him to either give us the truck or our money back he said that we could have our money back but we would have to wait for the title to come back in my name sign it over to him and two weeks after that he would give us our money back. What can I do?

I leased a 2010 VW Jetta on May 11. While I was driving it home I noticed the drivers side window had a lot of air coming in, and the check engine light came on. I took it back to the dealership the next day, and was told they would have to keep it to run diagnostic checks, and order a new window seal. 24 hours later they still have not diagnosed the problem, and also said the window is 50% better. In the interim I received the contract in the mail and noticed the dealership did not sign the contract. At this point I do not want the vehicle, but would be open to trading for another, perhaps a different model (I would still give them the business, just want a bigger vehicle)

My question: Is the contract binding without the lessor's signature? Can I cancel based on this oversight?

Great Article and Great Post there . Infact article throws complete information
about how to avoid car auto fraud , at times when sellers cancels car dealership financed.
Please keep the work updated on this post as i would like to take print out of above posts.

thanks

I took possession of a car from a dealership on Saturday. Now it's Thursday and I'm not entirely happy with the way the deal is going. They claimed I've been rejected numerous times already by various banks but they promised I'd get financing through their own bank which is what they'd told me originally that I'd be financed through. On top of that, I admit I fell for the usual salesman antics when considering getting the car. Their bank hasn't approved yet and I'm supposed to have an interview with the bank rep this coming Saturday. I have given them $1800 down, with a another $500 promised for next week. I also have not given them my old car yet which was to be part of the deal. I REALLY don't feel at all happy about the way things are going and I'm wondering, is there any way out of it at this point? I'm considering telling the bank rep this Saturday that I just got notified I'm going to be laid off soon so she won't approve the loan. But can i still get out of it without making up stories to the bank rep?

Am I liable for the damages.? I have been told I am and they are going to charge me for it.
Aka coming out of my paycheck. Basicly I was backing out a vehicle there were guys I was looking at for help and they the 3 people did nothing so I assumed I was good. No one gave me the time out or no don't go look or hand signal. So I backed up and scuffed a van. I think they wanted me to hit it secretly. I'm the new guy. I need help I want to know if I'm liable under michigan law. They have insurance but its under the deductable. I was told the damage is about 450 at there cost. Is this lawful for them the dealership to charge me? Thank you. Please people with only actual michigan bar licensed need reply. Thank you I don't wanna get hosed.

I bought a BMW M3 2002 on my local BMW dealer, I gave then a trade with clear title in for the half of the value and the other half will be financed by BMW financial services.
Now 20 days later the dealership still can't get the tittle, they said it was a consignment car and the old owner can find the tittle, we really like the car we closed a decent deal.
They suggested we sign a new BMW contract when the title appear, but I am afraid they may cancel the contract before the 10 days.
I am also worried about the situation, because they can't find the tittle, what my options are, what I should do, what will be the best way to deal with the situation.
Thanks for any comment. from TX.

I put a down payment on a 2007 Honda Accord 10 days ago. I don't have the car in my possession but the dealer does have my plates for the vehicle. I did speak to the finance manager on the 6th and was told to give him a half hour or so because he was waiting on the bank to get back in touch with him. I never heard anything from this man. I then proceeded to call him back - no answer. I then called the sales consultant who told me that he did speak with the finance manager who asked for copies of my recent pay stubs. I forwarded that to the finance manager this past Friday. I have the retail installment sale agreement but it's not signed by the seller and the only signature is mine. I also have the motor vehicle contact which is signed by myself and the dealer representative. Am I out of luck with this entire situation?

Any Advice? I purchased a vehicle, signed the contract and left with the car. I got the title and registration a week later. 30 days passed and I didn't get the payment book so I called the lien holder and they said I had been denied!! I called the dealership multiple times and was told I needed to speak with the finance manager. He wouldn't call me back for almost 3 months. He said I had to go sign new papers or return the car. Well I wanted to return the car at this point so I never signed new papers. I then get a letter stating that my loan was in default. Well The bank that denied me put my loan through from the date I was originally denied making it 3 months behind the same day they approved it. They sold my account to another company immeadiatly. After I talked to this company I found out that the income amount on my application was inflated by about $32,000. Then they showed up to repo the car.

It is based on the language of the purchase contract. Look at your purchase contract. That's the long yellow document that says "RETAIL INSTALLMENT SALES CONTRACT" at the top. Turn to the back of the purchase contract, and find the box that says "Seller's Right to Cancel." It is at the bottom of the second column.

I wanted to know if I was ripped off I brought a 2009 Acura w/22,00 miles on it but it was a loaner and it had a scratch on it they price was 27,667 I got them to go down to $24,000 out the door this price was suppose to include everything such as taxes, reg fees, ect they also said they'd fix the scratch. When everything was all said and done they charged me another $2,000 for an extended bumper to bumper warranty $750 for Gap insurance and taxes and crap plus I put $1580 down and at the end of the deal i was being finaced for $2600 at 12.2% was i ripped off do i need the warranty and i was told and they even gave me a purchase order for $23,250 but that was when i said i would be going through my credit union i didnt and i used their option why are the amounts so much different..... What can I do about thi
s

I traded in my vehicle 9+ months ago to a dealership and took the trade-in money toward another used vehicle I paid cash for. The truck sat on the lot for atleast 6+ months before it was sold. This morning the police show up at my door because my trade-in vehicle is still registered in my name and it was involved in a very serious, possible fatal hit and run. What should the dealership do after trade in?? The police said they should have contacted DMV that they were in posession of the car. Ay advice will help

my husband purchased us a used mini van this past sat. (05-01-10) and now here it is Wednesday (05-05-10) and now they are saying that they want to up our payments to "help" take care of an old debt. after we have put all money down. Im confused because once we had the vehicle in our possesion they are now trying to say the are going up our monthly payments, for the settlement amount for the debt collectors... Can they do this???

So I am looking into a 2010 Nissan Sentra...They have a deal going on you drive away for 11,000, but that's with 3000 down. My question is I'm going through private party financing. Does that still pertain to me if I have the 11000, but not the 3000? If so, how come when I called them they told me that I still had to have the 3000 cash down?

She is going thru chemo and is on oxygen. She got into a car accident with the truck, nothing major, but it was because of the chemo n oxygen, and well we took her truck away from her and its in my yard. my older brother is telling me hes buyin the truck from her and wont let her drive it. my thought is, if the truck has a loan out on it, cuz she had to pay some bills, can he still buy it from her? please help me. thanx

I bought a car last week. I was supposed to put 2500 down. But he made a deferred payment of a 1000. I was supposed to come in and pay the 1000 on Monday. I came in and told him that I lost my second job and that I would not be able to keep the car. So he asked me how much would I be able to put down today on the car. He told me that I didn't have to pay the full 1000. The car has a small chip in it and the inspection sticker is out. The salesman told me that he would do the inspection and register the car in my name when ever I came in and paid the full 1000. I told him that I did not want the car so he told me ok and wanted me to sign a paper that said I removed my rights from the car and my money. I got the car exactly 7 days ago. Am I able to return the car and get my money. The car is not even registered to me or anything?

I purchased a new 2010 Dodge RAM 4/13/2010 using rebates as down payment, I financed about 35K. After about a week the dealers credit dept. called and wants copies of pay stubs and 1099's which I provided. I also traded in a car that the dealer paid off in full to Ford motor credit on 4/22/2010.

The dealer called yesterday (5/2/2010 -19 days after the contract was signed) and stated they could not get me financed and to bring a family member to co-sign or bring the truck back. I asked about my trade-in that was paid off and they stated they are "stopping payment" to Ford Credit. Can they do that?

I know I can return the truck and get my trade-in back, but according to the "10 day Seller cancellation" wording the dealer can no longer cancel the contract.

My question is; Can I keep the truck and make timely payments directly to the Dealer? I have no idea what they did to my trade-in and I really don't want it back. I'm also getting the feeling if I do go to give it back they will present me with a last minute approval at a higher interest rate. I want then to honor the contract we signed.

Thank you for any and all assistance with this matter...

Silver Spring , Maryland darcars dealership, went to buy a used Corrolla S contract was canceled because was not able to get a co-signer traded in a chrysler, needed to give tags to mva went to dealer, dealer says they dont have the tags, requested letter head to be faxed to mva, this was never done, several attempts, now the mva placed me in collection for tags and expired insurance on a vehicle i no longer posess..... Not sure how i can make them give me my tags or fax the letter any advice on persuasion????? Thanks.

Sometimes a car dealer may tell you that it already sold your trade-in, and will offer you the value of the trade-in as listed on the purchase contract. The language of the purchase contract does not appear to give the car dealer this option. It requires the return of the trade-in. However, if the car dealer does sell your trade-in, at the very least, you should tell the car dealer that it has to give you whatever is the highest value for your trade-in out...Debt Help

I just bought a used car from a dealership yesterday and signed the papers and gave a $500 deposit, HOWEVER, I did not take the car home because I did not arrange for insurance as this was done on the weekend. I was told that I would have a GM Certified vehicle but after going over my documents I do not see anything that I signed saying it is GM ceritifed used vehicle which would give me a 1 yr. 12,000 mile warranty along with 50,000 miles left on the powertrain. I am asking this because the dealer that I did the business with was not in on Saturday when I went to sign the papers with my husband and before we went in a couple of "Managers" called us and were trying to change the price, and then I had one call and ask me If I wanted to buy and extended warranty on it. I said I didn't know what he was talking about because I was thinking this was GM certified and i didn't need one. Now Iam wondering if they pulled a fast one on me. I want to refuse taking the car if it is not GM ceritified. Does anyone know if i can do this? I live in Michigan. Thanks

My daughter bought a used car in 2003. She paid the bank loan off approximately in 2006. She never received the title for the vehicle. We called the bank who said the dealer had the title. The dealer now says we owe him $700 (3 years later) for insurance. The vehicle had insurance on it from the time she got the loan. We even showed the bank proof of insurance several times, but the dealer still refuses to give her the title unless she pays him $700. This can not be legal. If enyone has any info on what to do please let me know. Thanks

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.

bought used car at dealership, not financed yet, traded in my car, within three days, can I return it?

I have a nice car that has a small issue in the motor, i dont no what it is, when i start it, the motor will make a few little beats in it that can only be heard when the engine is cold. If i go trade this in or sell it to a dealership could i get in trouble if i dont tell them and they dont notice? The way i see it is its my(our) tax dollars that are keeping them open so if they dont notice when i trade it and they do later can they come back at me??

Thanks

hi everyone i had bought a 2006 vehicle from johnsons motors in robinson,texas. they had three cars that i wanted all 06 models i pd 3000dwn and got an apr rate of 20% salesman didn't run my credit or anytrhing the vehicle was used with over 103,000 miles i wanted another vehicle but salesman was like i'm gonna need another 1,000-1,500 dwn and payments would go up to around 450. iwas like no then inspection was out they sent me to a place they wouldn't do it cause the tires were bad and the guy at the inspection place told me to take it back demand that they put new tires on it or i will cancel my contract so i did but the salesman refused and took the vehicle somewhere else his self and got an inspection put on there. so the next day i called back and demanded new tires plus the car was going to the left of road so a wheel alignment the mext day or i was going to call bank and stop payment salesman promised me new tires and alignment sent me to a place for tires here they come out with two different used tires and he didn't do the alignment,plus the vehicle they didn't clean it nor wash it, and when purchased went and put 5.00 in gas. did i also say i had a payment due 2 weeks later so in all less than a month i had paid 3,175.00 for a 06 with 103,000 miles and three days later i took the vehicle on a highway drive and the driver window made this loud noise as though the striping apound it is leaking real bad called the man he claims hes the owner from day one i can call and they say call back go up their they say come back when i ask for the owner they say hes not their also this wasn't the car i wanted i wanted the 06 impala but was told to put down more money remember no credit check or nothing done. PLEASE PLEASE PLEASE CAN SOMEONE TELL ME WHAT CAN I DO AND ASKED ARE THEY REPORTING MY PAYMENTS TO THE CREDIT BUREAUS SAME PERSON WHO WOULDN'T LET ME GET THE CAR I WANTED SAID YEA ONCE ITS PAID OFF AND YES EVERYONE I AM A FEMALE!!!

I have a 2005 Hyundai Accent from TFCU and i still owe $5000 on it, the total cost for the vehicle was $8,000. however i only took the vehicle b/c the car i had the engine blew out on it, and i needed something ASAP to drive back and forth to work....they offered me this vehicle which is small and is a stick shift which i didnt want however i got approved for a vehicle and i needed one so i took it!! Now its been two years since ive had it and i want to let it go back to the bank so i can get a bigger (well roomy vehicle) and a automatic.....i just dont know if i can do that or if it will end uo hurting me in the long run??!! I need some advice please on what i should do.

However, if the car dealer does sell your trade-in, at the very least, you should tell the car dealer that it has to give you whatever is the highest value for your trade-in out of either (1) the value of the trade-in as listed on the purchase contract, (2) the fair market value, or (3) what the car dealer received when it sold your trade-in.

Where do I make payments now since my vehicle was being financed through the dealership, but it recentley closed down.

I RECENTLY PURCHASED A 2007 CHEVY IMPALA, FROM A DEALERSHIP IN BROWARD COUNTY ON MARCH 13, 2010; TODAY APRIL 16, 2010. AFTER I HAVE ALREADY PAID2 MONTHS WORTH OF CAR NOTE TO THE BANK. THE DEALERSHIPS CALLS AND SAYS THEY WANT THE CAR ACK BECAUSE I CAN'T SUPPLY THEM WITH A CANCEL CHECK SHOWING MY INCOME. MIND YOU I WOULDN'T BE ABLE TO DRIVE OFF THE LOT, IF I COULDN'T FFORD IT. CAN THEY DO THIS.

I bought a used 2006 Jeep Wangler from a dealer. The Jeep was all paid for with a one time payment of $15,200. 18 days after I drove it off the lot, I get a call from the dealer. He informs me that he needs my Jeep for a couple of days because the smog had expired. I ask this dealer how this could be possible since I was told that it was smogged the same day that I drove it home. The dealer says there was a miscommunication with another employee and apparently the smog was not done. He also asks if he can keep the Jeep for a couple of days in order to do the smog. I offered to have it smogged myself since 1.) I need the Jeep for work 2.) I was not comfortable giving up my Jeep and 3.) the dealer was about 2 hours from where I lived. The dealer declines my offer and says that he needs the Jeep for a couple of days. I sensed that this was not right. So I contacted a smog shop and asked if there were any requirements to me smogging the Jeep vs. the dealer. Smog tech tells me it's all the same to the DMV. He also tells me that I can find out smog history online. He offered to check for me and I obliged. Long and behold, this is how I came to find out that my Jeep failed smog on the same day that I drove it off the lot.

To fast forward a little bit, I contacted BAR and DMV Investigations. It didn't work out with BAR since the dealer did not give me a refund since I wanted to pursuit the cost of car alarm and battery cost thru the small claims court. Basically, the dealer wanted me to settle and eat about $400 in cost. The DMV Investisgation is backlogged so I'm still waiting on them.

This ordeal has been so frustrating. Within the next two weeks I will be contacting a lawyer if nothing happens. Basically, I just want my money at this point.

I just purchased a car from a dealership that I previously had a leased vehicle from. I had 6 months left on my leased vehicle and was going through a divorce, thinking I could not afford this vehicle on my own anymore I went to the dealer and asked if there was a way to turn a lease in early with no penalty. I was told there was not, then started receiving calls from the dealership that if I wanted to turn the car in a could as long as I purchased a vehicle from them. I went into the dealership and was told by the salesman that the dealership would purchase my leased vehicle from the financing company as is and I would be free and clear of the car. I asked the salesman what he meant by that, if that meant that I owed nothing on the car and he said yes. Come to find out that the remainder of my payments was financed into my new car contract and I was not told, the payments are on a line that reads "Prior Credits/LSE BAL" I really don't think that is clear and I think that should have been explained to me. Also, the finance manager lied to the financing company about how much I make and said I make double what I make so that I would get the loan. I went into the dealership to talk about my change of heart and was told that they could not help me and to "set the car on fire" since I did purchase gap insurance. What can I do at this point?

i placed an advert that i was selling my personal car. i got so many responses but there was one potential buyer who kept on calling me with this anxiety of wanting to see the car. we arranged and met. he liked the car i was selling it for $2200. he told me that he had $1300 that he he would like to pay up and pay up the other $900 after 2 days. he told me that he was expecting money from a person he sold his old car to, whatever their transactions, that is where my balance was supposed to come from. i understood, we drove to his house he gave me the $1300 and we signed the agreement of sale. the day to settle the balance came and he said he got no money yet, i understood since he highlighted he will definitely give me my $900 after 2days. the day after he sent me an sms saying he failed to get the money so he wants to return the car i sold him and reverse the deal. he mentioned that the person who was supposed to give him the money is giving him a car instead, yet upon agreement i considered this money as my own and i used it for some project and with the anticipation that i was going to get my other $900 am now inconvenienced now, i don't know what to do or say to this person. is it me or him who is allowed to terminate this contract because all i was looking for was money out of my car and do something else with it not to be told to look for money that i have already used up and pay him back. Please help me

Wow I've been reading all these stories,and was shocked to see how many people has the same problems.My father in law boght us a used car on his name from a dealer in Brits (on 4 Feb 2010).Since the first day we got the car I've told my husband that somethings not right on this car,we searched the car for all the possible mistakes and was amazed by what we found.We immediatly took the car back to the dealer the next day and all they've said is that they'll try to fix it,up until today nothings been fixed on this car.We took the car to the AA and they've said to us that the only thing thats 100% fine is the batch and the mirrors!Within the second week (first week for us,cause the car was with them at the garage to be fixed), we called the bank and they've said that we're too late to cancel the deal,ive called the RMI and they've said that we can either ask them to buy the car back or they must sent it to a VW dealer,but he also refused to do any of these two.So now we are sitting with a 2007 VW Polo and R90 000 dept,which we cant even use to go to PTA with.Please if anyone knows what to do where to go and who to see...Help me!

I bought a BMW 328i 2008 and negotiated for way under bluebook providing my own financing. The bank I was using charged a fee of 12.25% to the dealer. I ensured the dealer knew about this while negotiating. We finalized a price on the car, a fair amount on my trade in and I came out loving the deal. In the sales contract there was no listing of the 12.25% fee my bank was charging the dealership, but the interest rate moved up by .06% increasing my payment. I inquired if the change in my interest rate was to cover the fee and they said Yes. We signed this deal on 3-24-10. The dealership called me on 3-30-10 and asked "me if I could come back down to the dealership with $3K for another downpayment and sign a new sales contract increasing my payment by $37.00 on a monthly basis." I let them know I already signed the agreement last week and was not going to renegotitate the deal.
They called me again today (3-31-10) and advised me they called me w/in 96 "business" hours as our contract reads 96 hours they have a right to cxl the contract if they can't find financing. I let them know it is 96 hours in the sales contract not "business hours" as they were open every day a and they can find financing as I spoke with bank and they are ready to approve loan.
The Finance Manager and GM then called me and asked me on 3-31-10 and asked me to bring the car back as they don't do deals to not make money. They said I took advantage of them as they are used to selling Fords not BMW's and I negotitated an unfair contract. I asked them to show me legally in my contract where I need to adhere to what they were asking and they told me they could not and that they would have to get attorneys involved if I "wanted to play this way, and not a create a WIN/WIn for them"
My question is....do they have any rights here? From the contract, it reads they have 96 total hours to "unwind" the deal. Can I be on the hook here for negotiating a good deal? It doesnt make sense. If I wanted to take the car back 2-5 days after purchasing I could not but if they want to even thought financing is in place, they can? If anyone has any legal advice, pls help! we live in Washington state and this transaction took place in washington.

I RECENTLY PURCHASED A CAR FROM A DEALERSHIP ON FEB. 17 2010. IT IS NOW A MONTH LATER AND THE DEALER IS SAYING THEY WANT THE AR BACK BECAUSE THE BANK REJECTED THE LOAN. DO I HAVE TO GIVE THE CAR BACK AND WILL I BE ABLE TO GET MY DOWN PAYMENT BACK?

We found a car that we both liked and told the salesman we give $15,000. He agreed to this price but then came back and sound there was a problem with the vehicle he couldn't sell it to us, till they fixed the problem. They would let us know mon.
if we would be fixed. we went back 3 hrs latter. Then they explainedwhat the problem was the car was priced wrong it should have been 19,998 instead of 14998. It is still lised on their internet set at that price. How do we get at that price.

Hi im a disgruntled 07 dodge ram owner. vehicle is 3 weeks old took it into servicing and my front and back bumper came out dented. i tried to get new ones and look at camera footage, sat down with service manager and video was inconclusive due to poor quality yet it was only half hour after i left the delership. i went to ask for owner, owner came down kicked me out of store for causing a scene. told me they dont want my business anymore been going there for four years, three vehicles. anyways i purchased new dodge on february 10, 2010. it is now march 17, 2010 and finance manager phones me and says scotia the finance company wouldnt finance the truck and asked if i could cme back in bring new pay stubs and resign for approval... is that right once th vehicle is in the bill of sale, registered, and insured under my name and thr is no lein on the vehicle is not my posession, and bassically dodge bought me a truck???

I think i've been had. I'll try and make this short and sweet. I puchased a 2004 Cadillac Escalade with 31,000 miles for 18,500 (should've been my first clue) from a dealership. I asked if it's ever been in an accident, flooded out, mechanical problems etc, they said no and provided me with the carfax on the vehicle

I got instantly approved from Credit Union in the neighborhood who then cut me a check on the spot.

I brought the check back to the dealership where I signed the sales paperwork and handed the check over to them. The dealer placed a tag on the car and that paper in the window and said after the fact that the car is mine but I need to bring it back in the morning because a trooper has to look at the car. They do inspections as well (also paid for) and they noticed that the VIN plate on the door was missing and before I could get the inspection stickers in the window that a NJ state trooper had to inspect the vehicle. I thought that was fishy, but I was too caught up in the moment and agreed.

I didn't bring the SUV back the next day and the dealer called me up frantically the following week saying that it was imperative i bring the car back in immediately for the trooper to investigate. I bring the car back, and the dealer gives me a loaner car (A 2006 HONDA PILOT) in the meantime while they sort out the VIN issue and attempt to get my title.

It's been a week now and my Credit Union has still not received the title from the dealership and I still have the loaner car in my driveway not to mention see my car in the dealer lot everytime I drive by.

The dealer calls me up yesterday and says it's going to take a little while longer because they are having a hard time getting a title for the vehicle because now he says the state of NJ issued a different VIN number to the vehicle (is that possible?) and that the credit union will not hold a lien on that title and that I would have to look into obtaining a personal loan (mind you i checked with the Credit Union and the check provided to the dealer was cashed just a week after the purchase). Needless to say I'm pissed and explained to the dealer that I will meet with them to discuss options.

While getting my paperwork together, i noticed on the bill of sales information that wasn't on the original sales agreement i thought i signed.

There is an AS IS disclaimer not checked but the box underlined subtly on my copy stating This motor vehichle is sold AS IS without any warranty either expressed or implied (Yet I paid 2,000 extra for the Preffered members warranty listed on the document) I find it weird that the USED CAR WARRANTY above the as is was not checked stating im covered with a limited warranty which they gave me the impression.

Also, the warranty on the original document i signed stated 36 month for 45,800 miles while on this document it says 24months with 25,800 miles. That was the original warranty offer, but when i said thanks but no thanks the dealer graciously offered to increase the coverage to a 3 year warranty.

Bottomline: I no longer want this car and have the following questions?

Can I return this car with expectations of getting a full refund?
What would cause a credit union not to back a lien on a used car just purchased?
The carfax for the vehicle came back clean but is it possible that the vehicle was stolen, salvaged, or misrepresented in a way that the dealer didn't disclose?
What are my rights right now?
The dealer still has possession of the vehicle for the past ten days, should I be concerned with that?
What are my rights as a consumer? Am I protected under some law somewhere?
What should I do next?

My husband and I just purchased a "new" used car and the dealership has got me a little puzzled. Our credit rating is not the best and they tried several banks for financing. They finally got a decent interest rate with Chase but they told us that Chase required us to purchase an extended warranty on the car. The warranty was an additional $1900. They said the only way we could get the better interest rate was to purchase the extended warranty. I have tried to contact Chase and will do so again in the morning but am wondering if anyone else has had this same issue. Can a lender require the purchase of an extended warranty to secure a lower interest rate? Do I have grounds to fight this?

My 19 year old son shelled out $3400 of his hard earned money to buy a 1999 Subaru Legacy from a local car lot. He paid cash for it and drove directly to valvoline to get the oil changed and have it checked out. At their suggestion, he returned to valvoline the next day to have the transmission serviced. After having almost all fluid drained, the valvoline employee asked my son to start the engine and it wouldn't start. They proceeded to push him out of the shop and told him to contact the dealer. This all happened within 24 hours of my son purchasing the car.

We called the dealer who sent a mechanic out. All he did was try repeatedly to get the engine to crank. It sounded AWFUL! Then he handed me a copy of a news article telling me that I bought it AS IT. Then he left.

I had it towed to a mechanic who informed us that it had "jumped timing and bent the valves" and we need a new engine.

Now I have been told that Tennessee's Lemon Law pertains only to new cars and the dealership has no responsibility to make this right. I would think that they would WANT to make the situation right. After al,l we live in a small town and what does it say about them both personally and professionally if they don't? If they don't have a legal obligation, I would think that morally they would feel the need to fix this.

Does anyone know if I have any recourse?

Thanks in advance for your input!

I purchase a new 2010 car on February 13, 2010. Test droved it on the street but not on the freeway after the purchase I got on the freeway to take my brand new car home but I felt that the car moved/wanders from side to side basically a little unsafe but I thought the freeway was bumpy there for making it feel unsafe, but every time I drive it over 60mph I feel the same "unsafe". I took it to the dealer 5 day later to have it checked and told them I felt unsafe maybe it need it a wheel alignment but it was late so they only gave me an appointment to bring it in the following week, so a week later at the dealer they said the car is fine there is nothing wrong with it they test drive the vehicle on the freeway over 60mph total of 5 miles and said “Vehicle does not wanders it just feels like it wanders due to the sensitivity of electronic power steering system” 18 days later I still feel unsafe and feel its not the sensitivity of power steering and have doubts about the car; now its starting to make a noise inside somewhere on the dash board can I return it or ask them to exchange it for another of the same make and model that feel safer.
the fact that I am a female it feels that they can just take advantage and give me the run-aroung because i dont know what my rights are.

I purchased a 04 Chevrolet Silverado on Feb. 10, or so I thought from Corona Autoplex. Two of my credit scores are 694 and one is 749, I was pretty sure that I could get a good deal. The contract dictated that I put 3,000 down and receive a 9.9 APR. The truck has a large lift so I also purchased Gap insurance. I drove the truck home thinking the deal was set. Thirteen days later I received a phone call from the same man saying that I was not able to be financed through Wachovia and that I would have to find my own financing. I have already invested over 800.00 for an alarm. I have been approved for two loans (Road Loans @ 13.49 APR and Capital One @ 14.70 APR). These companies, according to him are conveniently not accepted by Corona Autoplex. I have no idea what my rights are at this point, I want to keep the truck if at all possible. I am just an honest Veteran trying to buy a truck for work! Please help.

I went to a dealership 3.04.2010, My husband and I stood all day. We were approved for a 2008 Aveo. They asked for 3 checks, problem was they did not want to take our temporary checks for payment dated diffrently to make 30 days total for the down payment of 1400 dollars. We said forget it and went to leave. They said no we will work with you but bring in cash only and when the bank calls you for the welcome survey tell them you gave us cash and did not give us postdated checks. My husband said ok. We talked to the bank and we are financed through AmeriCredit. I have not given them the 1400 dollars yet because they want cash no debit card or money order the man said he needs the cash in his hand. Problem we live about 45 min. away and I work some crazy hours. I keep asking him to take a depit or a mailed money order and he will no accept. On the contract it said we already paid the downpayment. Is he trying to make some cash for himself or what. I all seems fishy to me. I feel like telling him to take 500 and call it good what shold I do.

bought a new truck from a monroe louisiana dodge dealer. the day after i bought the truck went to turn on the satallite radio and i was told it was already activated by prevous owner. i was told prior to purchasing the vehicle that it was a 2009 new truck that had 500 miles on it because it was a dealer to dealer trade and it had never left that lot since they got it. i found information in the glove box of a prevous owner from 1/29/10. i purchased the vehicle 2/24/10. i called the prevous owner, he said he bought the truck and he had it about 2 weeks and he took it back he also said he paperwork hadnt been completed, he also said he has the key to the truck. i only recieved one key when i took the truck they told me the other key was damaged and they were ordering a new one. i contacted the sales manager that night 2/25/10 and he denied the vehicle ever left the lot, i told him that i called the individual and he told me he had it for 2 weeks and he continued to deny the vehicle ever left the lot he said they had a sale that didnt go through and the vehicle was never delivered. i told him i contacted to man and he has the key then the manager hung up and called back a few minutes later and said there may have been a misshap and he would check into it and call back tomorrow.
on 2/26 i reported it to the attourney generals consumer complaint devision verbally and in writing, and they pulled up a carfax report and it was listed on carfax as sold 1/29/10. i have that copy. i also called and filed a complaint with the louisiana motor vehicle comission verbally and in writing on 2/26/10. i also contacted the dealership manager, he denied the activity at first then he did activate the satelite radio, i recieved an altered carfax report on 2/26/10 as an attachment on an email. the origional sale on 1/29/10 was not on it. he told me he had a friend that would fix the carfax report. and it was altered. my problem is that i paid a new truck price for a used truck. i did tell him i was going to take the truck back but i was told it was a legal and binding contract and i had to pay for the truck. i do not want to deal with these people thats why i dont want the truck. i would pay the same price somewhere else but it has to be new not used. how do i take further action, this has to be fraud