I just want to know if this situation have happened to any woman before. I went to a place to see a car, I gave the people a check to hold the car until they do repairs and cleaning the cars and I would get my taxes money to pay in cash and have my check back... After extensed thinking about a weird situation with the car, I did not wanted to buy it any more... I made the mistake of telling the salesman about a personal situation... I explained him, that I could not put the car on my name for now because my exhusband is trying to find me and having a tittle in my name was scary for me, anyways.... when I went to see the car the next week, they haven't done with the repairs, they gave me a weird car fax with fake info and they said I could not drive the car to see how was working after they took it to the shop.
I told the salesman that I did not feel comfortable buying the car anymore because of different reasons and I even offer him to pay for the repairs that they suppously had to do because of me... when I told the manager that I really did not want to buy the car, he started yelling at me and telling that there was no way to cancel the bill of sale, that was the only paper I have signed before that day.... when he started yelling I told him that I was not idiot and I knew something was wrong with the car and they could not obligate me to sign the rest of the papers... he said they had the check so I could just take the car because they were gonna cash the check... I told him that I was gonna put a stop payment and the manager got real angry and start yelling worse and he told me that, "If you put a stop payments in this check I am going to contact your exhusband to let him know where you are and what you are doing to avoid him..... now , this was a personal and really delicated situation that I told the salesman.... I asked him if he was threatening me with my own life because a car and he said, "If that is the only way you will keep the car I would do it... I got so scared that I was there alone with two big guys and I dnt know anybody in the area so I droped all the money on their desk, after the guy counted the money, he gave me my check back, I ripped the check and kept the pieces in my wallet.... the manager told the salesman to keep signing the papers with me even though I was crying like crazy and repeating over and over that I did not wanted to buy the car.... when the salesman got distracted I grabbed the money and the papers with my personal info and identifications to get out of the place.... the salesman tried to grabb my arm and I did not know what to do so, I put the money and the papers inside my panties so they couldnt get it.... well, I got my money back, and the papers with my identifications, but I still scare that they may try to findout who is my husband and he would get to me.... No I have not file a police report and I just need to know if whoever reads this posts know if I should do it.... I really cnt sleep at night after that incident and I would not like another woman to go trough the same situation so, If you can give me any info or let me know if I did the right thing I would appreciate it... thank you.... rayjerzy37@yahoo.com

My daughter recently bought a used car from a dealership. This is her first experience buying a car from a dealer on her own. She's in the military and lives 4000 miles away from home. After buying the car, she brought it back to the dealer (only a few days later) because the motor would shut off while driving. The first time she took the car in the dealer didn't even look at the car. They essentially ignored her and she left. About 1 week later she returned the car again to the dealer for the same reason and they took the car and the saleman gave her "his personal" car to use. She later returned the salesman's car and they gave her a rental car. The dealership had the car for over 3 weeks or more - longer than my daughter had it. They informed her that "she blew the motor" and that she was "driving with no oil" in the motor. Meanwhile my daughter told me that the salesman took 2 loans from different lenders to finance the car! They told her that because she had bad credit she couldn't get a loan for the asking price. They told her to lie to the banks and say that she only took 1 loan out! Well, after hearing that I told her to return the car as a "lemon" and because I don't think it is legal for a dealer to obtain 2 loans for 1 vehicle purchase, I told her to contact the banks and tell them the truth and see if they would rescind the loans ASAP. She never regained possession of the car. She contacted the lender who held the $13,000 loan and they promptly contacted the dealership and had the loan rescinded!?! Hopefully. The 2nd lender's loan of $3,000 has not been rescinded and is contacting my daughter for payment. The dealership is threatening and harrassing my daughter telling her that she is responsible for the cost of the "new motor" and that they are holding her contract and she has to pay them! My daughter doesn't even know what the $3,000 loan was for, she has no paperwork. The dealer arranged both loans online with automatic payments from her bank for both loans. Where do I get help or file a complaint against the dealership? Shouldn't she be refunded any payments she made?

WE bought a 1999 F 150 4x4 with 150,000 from a Ford Dealership in IL. We purchased an extended warranty because of the high mileage so we could hopefully enjoy 3 years of stress free truck ownership.

Two months after we purchase the truck, I called the warranty company to see if certain repairs would be covered. They told me that the contract was canceled due to the high mileage and the dealership should have known better then offer us this agreement.

I called the dealership and all they are willing to do is refund the price of the warranty. At this point I told the dealership to wait on refunding the money until I check my option. I don't want to be stuck with a truck with high mileage and no warranty.

Any advice is helpful, thanks

I called insurance to cover the car they said it was 2001, tradein value about 1700 less. I already paid for car but do not have posession. Bill of Sale says 2002. I want out of the deal but they are saying 2001 2002 what's the difference. I am not very good at hardball but feel that I am a victim. I was going to buy another car for 3150 they say will let me out of the deal if I pay 3500. Why should I have to pay 350 more to a thief in order to not press charges?

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?

ok so i bought a car two years ago for 12,000 and had it in house financed, everything was going fine for about a year and then i went to call them to ask how much i needed to just pay the car off ( which i already knew the amount but i just wanted to make sure) but when i called it said it was disconnected- no biggy so i decided to drive down to the dealer and the place was out of business borded up windows n all. wtf.... so who do i send my payments to now? i didnt get financed through a bank, just with them (in house financed) its been about 5 months now and i havent heard a thing from them so of course i havent paid in the last 5 months cause who am i supposed to send the money to. what do i do????

My husband and I purchased a vehicle about exactly a year ago. The selling price of the vehicle was 5911.00 we gave the dealer 4000.00 in cash. He offered to carry the rest for us with no interest however after the total amount for state tax, county tax, dealer prep and handeling the total for the vehicle came out to $6659.00. No big deal we would only have to pay off 2659.00 with payment of $191.45 for 14 months.
Through out the year we have made every payment to the dealership on time and doing business with them had been great. Now I'm getting conserned. During the middle of the year the company decided to split things up and the partners went separate directions. The owner of the finance company did not keep his vehicle however, the younge gentelman starting out who sold us our vehicle got to keep so many titles ours being one and went his own way. In late October we recieved a call letting us know. Then we a late fee was attempted to be charged. This was resolved. My concern is now 10 months into the contract and all payments have been made only 4 more left. And, as soon as we recieve our taxes we will be paying off the balance. However, in our contract it reads that if our scheduled payment is not recieved in full within 10 days after it is due, we will have to pay a late fee of $15.00. Well November, we were late. Our payments our due on the 4th and it was recieved the 12th. The only reason is because we can no longer take it in and pay now because of the transission I cannot control the mail. But, that was still with in the 10 days. The other payment was Decembers it was 15 days late I am being charge $75.00 for a late fee. Can this be done. I do not see this any where in my contract. And then November, I sent out on the 14th, When I spoke to him on the 19th he said he still had not checked his PO Box. I did not recieve it in my account until the 22nd. So I am being charged another $75.00 late charge. Again, this is not an agreement of late charges in my contract. So the dealer wants me to sign a new contract that states different agreements as far as late charges go. He says this was an error. As far as I am concered that is not my problem its a little late in the game now. Can this be done and do I have to re-sign something? Also, He sent me a letter stating that if I over the next 12 monts send in any late payments again they can exersice their right to terminate our contract at any time with out giving notice. And if we faul default any more. Well this does not seem right. I always thought to be default you had to either not pay or faul 30-60 days behind. I have never been even 20 days behind. I have only been 15 and my contract say I have up to 10 then I get a late fee of $15.00. Now they want all these late charges. for December and January. and we have always paid them on time. And, being we only have 3 or 4 payments left any ways and I'm getting ready to send out Febuary's, and we have no interest on the vehicle. I do not understand what the deal is. I would like to know what my rights are. Can some one please help me. Are they trying to scam me. I feel like he is trying to take the vehicle back from us, because it is a really good vehicle and re-sell it to make more money on it. And, steel all the money he made off of us. Now that he is starting off his own thing. Maybe, I'm totally wrong. Please help.

A local car dealer who targets bad credit victems has signed a contract with me and then sent a letter rescinding the contract.

I recieved the letter that instructed me to bring the vehicle back 15 days after the contract was signed.
The catch is that on the 12th day after the contract, the bank that I was told that my loan was going through, called me to confirm all of my information. Then I spoke personally to the salesman at the car dealership with a question that I had conscerning the vehicle. No Problems. Day 15 I get pre-meter marked from the 7th day.

Question?
What constitutes "notifying" the customer? The letter That I recieved wasn't even signed.

Also? Is it a federal crime to use a metering machine to fraudulently breach a contract.

Is there a car lease cancellation policy? (30 days?, 24hours

My sister Just got a new car on Jan 3rd, With her trade-in being upside down they lower the price of the car and all was said and done. She Gave $3000 down for the new car and her loan was suppose to be for $18,000 and some change. Now here we are the 20th of the month and after we called them they are telling her that they can't get her financed and for her to keep the car, she needs to get a co-signer and or bring the car back on Friday. What is she suppose to do? she signed contracts for everything and has added the new car onto her insurance and they even had her sign paper work for the old car so they could take it in as a trade. What do we do????

I bought a used truck over the weekend and was in full understanding, without a doubt, that it was a 4x4. My paperwork the I signed says that the truck is a 4x4. All paperwork provided from the dealership and sales person either did not say anything about drivetrain or that it was a 4x4, including autocheck site that they showed me (extremely briefly) but refused to print out for me due to the late hours. Went home and printed out a carfax report which verified that the truck was in fact, rear wheel drive. Dealership refuses to take back the vehical although paperwork proves that I believed truck was a 4x4 and the seller allowed me to believe it. Next course of action? Attorneys?

I ran into the situation where the vehicle was purchased, deposit put down and drove off. The option here says that the dealer can cancel if they can't find someone to buy the loan. However, it appears as though the dealership is regretting the sale, as they are asking for almost 7K more down when i bring the car back. I have two questions:
1. Is the only reason they can cancel under this provision is if they can't find a person to buy the loan (even though they didn't even forward to the car companies finance arm)
2. Do they have to notify in writing stating they specifically want to cancel the deal? (so far, it's only been by telephone with the dealer saying you have two options, put 7K more down or get a cheaper car)

Is it enough that they gave me those options over the phone without saying they didn't want to cancel? Can i wait out the ten days and just start making payments as originally agreed? or should i just return the vehicle?

THanks!

I wen to a small used car dealer he told me he would trade a car or truck for my camaro wich needed a transmission and he told me he would have me a car for my trade in within a week its been 2 weeks and he still hasnt got me a car can he do this how long can he make me wait what can i do to make him give me a car for the trade in hes had for over 2 weeks

ok so i have bad credit so no way can i buy a car w my apr and have done car shopping lately and noticed the dealers dont ask for pay check stubs and prook of income before they run credit and get you to sign a new contract for buying a car.. but anyways.. a relative agreed to finance the car for me in her name but she has been laid off for almost 2 months .. so we figured i canbuy a car in her name and im not worried becasue i will make the payments and .. we purchased a new vehicle a few days ago and i put 30 % down, we didnt provide pay chekc stubs . they did ask but we said we wll get it later.. i didnt mean to commit a hughe act of fraud i just thought well once we sign as long as we make payments there should be no worry .. then i read back of contract abt cancellation and look online about stories where delaers took cars back bcz couldnt find a lender and now im really worried. i know yes we told them my realtive was wrkng . but i didnt know dealers let yu take car and thn look for lenders later . if i knew that then i would not have bught the car knwng that later when they get no pay check stubs they can cancel and take car back. its a delaership for a very well known car maker . so i dnt know how they wll do this. i just thought we can use my relatves credit and as long as they get it apprvd and we get the car . they do need to knw abt her loss of job.. becs i wll definlty mkae al the payments.. i knw i may be crticized a lil here but give me some real advice and facts thanks

I'm horribly embarrassed to say that I signed a lease contract on a 2007 toyota solara three years ago. I had never leased before and will never again. I went to the dealership with the intention of purchasing a new car and putting down a substantial amount of money. salesperson knew this up-front. I let him talk me into a lease (not really understanding the whole mileage concept....just thinking that after three years, I would turn it in for a new car). WELL, here we are 3 years later. I am 25,000 miles OVER what I had signed the lease for AND, it wasn't until i was "really" reading the contract last night, did i find out the ridiculous amount i am supposed to pay, PER EACH mile I am over, according to my contract. I remembered briefly, that the overage was supposed to be somewhere between 13-15 cents per mile, which, that in and of itself is ridiculous. My contract reads $3.00 PER mile! I showed the contract to the saleperson and he said, "WOW, they really tried to f_ck you, didn't they?" he said, well obviously, that's not correct, yada, yada. bottom line, isn't there a specific law regarding such blatant errors? like telling you your interest rate is 8%, then come to find out two weeks later, after reading your contract, they put 27%? UGH

Trying to save cash, my husband and I traded in both of our vehicles. This was in September. Once at the dealership, we impulsively lost all notion of budget, purchased a used vehicle and ended up owing about 2,000 less than we did with both car loans combined. Not smart. Our budget is forcing us to actually get a car we can afford, adn we have come up with a plan that works; to buy a car equal or less than the amount we're trading in for. That way we only owe what we are upside down (about 4,000 if the warranty is refunded pl taxes) I need to know if I can get the extended warranty we purchased refunded, by at least a prorated amount. We are in CA, and the dealer has a plantation of cars so I know they arn't going to give in easily when I ask to cancel. They haven't held up on their end, like not filing our warranty, for example. So since the warranty company never recieved paperwork, do we need to pay the 3 months we were supposedly covered? Any type of dealer vocabulary to throw at them is much appreciated and or legal reference pages. Many thanks.

Attn:Customer

You are welcome to Lexington Loan Services,We offer loan to honest and God ferrying
people.If any one have interest in taking this loan should contact us
VIA Email fredricktomsonloaninvestment@gmail.com
*******************************************************
BORROWERS INFORMATION
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I bought a gently used 2008 Honda Pilot exactly three weeks ago. It had less than 11,500 miles on it when I purchased it. Before purchasing it, I ordered a Car Fax and it had nothing suspicious on it other than the fact that it had two owners (in less than 18 months - one for only 13 days). I was given a justifiable reason for it though.

On Tuesday, the gear shift panel just gave out. It wouldn't park, drive, or do anything else it should. In park it would roll and in drive it would barely go even when I put the gas pedal to the floor. All of this happened as I was exiting I-95. Had it occurred 30 seconds sooner, it could've been a very serious matter.

I called the dealer as soon as it happened and everyone I spoke to said they'd call me back after figuring out a way to appease me and did not. After continuing to call, I finally got a service manager on the phone who was able to connect me with the Honda service center nearest my house (I bought it at a Honda dealer a short distance from home). Even though it was being serviced, I still wanted some sort of compensation and had to keep calling and get a bit irate to get a call back from a sales person. I began calling the owner. The owner finally called me back and apologized for the lack of customer service. In the end, he refused to give me my money back and is only offering a complimentary extended warranty. The car came back from the nearby service center with a supposed clean bill of health. To appease me since he refuses to take the car back, the owner offered to pick it up and RE-check it at their service center and send the new warranty papers. Since he backed me into a corner after a two day telephone battle, refusing a refund, I accepted the second review of my car and the warranty. The car was picked up by service staff and driven back to the dealer's service center. After a couple hours pass, the service manager calls to inform me that the guy who drove it didn't think it ran as smoothly as it should. So, now they're keeping it there until Monday.

Under the NYS lemon law, I have no case yet 'cause they're allowed 4 attempts (on a car with less than 18,000 miles) before they have to refund me. And they're attempting to bend over backwards to repair everything free of charge. But, I'd really like my money back as the primary use of this car is for my son and I don't feel safe in a car this "new" having so many problems. And, I felt backed into a corner and eventually accepted the warranty offer because the owner is a true slick-talking car salesman that likes to throw out legal jargon and occasional indirect legal threats since he knows legally he is not required to give me my money back. Now, with all of that, do you have any advice?

My girlfriend is from a 3rd world country. She got an expensive car from her sister! I warned her again and again that for a poor person her big car was sort of expensive. Now I'm the one paying for the ______ thing. She has been assessed $100---- bucks a month penalty (she thinks!) with $2000 left to pay on it. THEY THREATEN REPO. I'm paying in installments and those GM socialists. They deserve to go out of business. What a bunch of crooks. The original dealer closed: no suprise there . Yeah I know: I'm a soft touch so no lectures please. I don't want to see her in the street. She can't even contact them so she says.
How much penalty can they charge on a $2000 debt?

My girlfriend is from a 3rd world country. She got an expensive car from her sister! I warned her again and again that for a poor person her big car was sort of expensive. Now I'm the one paying for the ______ thing. She has been assessed $100---- bucks a month penalty (she thinks!) with $2000 left to pay on it. THEY THREATEN REPO. I'm paying in installments and those GM socialists. They deserve to go out of business. What a bunch of crooks. The original dealer closed: no suprise there . Yeah I know: I'm a soft touch so no lectures please. I don't want to see her in the street. She can't even contact them so she says.
How much penalty can they charge on a $2000 debt?

I don't know if this is the right place to ask this or not, but......
My father-n-law purchased a harley davidson and now it is on my husbands credit report. He refuses to discuss the matter, will not talk about it with us and gets upset everytime we mention it. What can we legally do, other than file a police report and all that mess. Can we legally go and repo the motorcycle ourselves, pay it off, and sell it?

Please help???

MY BROTHER RECENLTY BOUGHT A 1999 CHEVY SUBURBAN FOR $14,000 WITH OVER 150,000. HE IS ONLY 19 AND REALLY WANTED A VEHICLE BUT THE BLUE BOOK VALUE IS ONLY 6,095 IN EXCELLENT CONDITION. HE IS STATIONED IN NEBRASKA AND I WAS WONDERING IF THE LEMON LAW COVERS THIS ISSUE.

We purchached a 2002 chevy HD w/ a plow on Saturday Dec 26, we signed the paperwork, put $1500 down, we were told to fax proof of bank statments and cell phone bill and internet bill on monday so they can finish with the financing. So monday I called to make sure they got the paperwork and that i would be coming in to finish the paperwork.
I get there and they said there was a problem and I had to be the only one on the loan (orig I was 1st person on loan and husband was 2nd). So they tell me I need to put down $250 more and the finance company required a 2 yr extended warranty due to the truck having high millage and risk factors due to the age and millage on the vehicle. I yelled and cried and walked out because i wasn't going to pay more down.
Then they came out to my car to tell me they can work it out for no more down, still 2yr extended warranty and shorter terms for $3 less a month. I agreed to it and signed all the paperwork, as i was signing the paperwork finance guy told me if I had problem with the truck and had to take it in for repairs under the warranty do not tell them there was a plow on it.
Tuesday night I read all the warranty paperwork and the exclusion states warranty does not cover a vheicle if is equipted with a plow for snow plowing.....WTF?!?!?!
I purchached a warranty for a truck that has a plow and they knew about that or they wouldnt have told me to lie if i had to take it in for repairs. I also called the financing company to ask if they require a warranty and all they could tell me was
My delema now is the 10 days that the dealership can ask for the car back should I request the cancelation of the 2yr warranty or wait for the 10 days to be up? I read the paperwork and don't see anything with the 10 day dealership right to request return and we have up to 30 days to cancel the warranty w/o any fees and a $50 fee if after 30 days.

So what do I do?

I purchased an 09 hyundai in June. I took a huge cut on wages with work and have been unable to make my payments. I've been attempting to get out of the contract and return the vehicle because it is no longer affordable however the vehicle finance company is telling me that once the car is returned, it'll be sold at an auction and I'll be liable for the balance of what I owe on the car....how the f*** does that work?? If the vehicle is returned to them, how am I responsible for any further payments BESIDES the back payments due to them? Anyone have any advice/insight? Thanks.

Please help

-I got approved for a loan on the 24th of Nov from my credit union
-On 24th of Dec (yesterday) bought a new car from dealer and gave him my credit union details.
-took the car home and saw that he has filed the loan with my credit union (i logged into my bank account online)

The problem is that now my bank account shows 2 loans. One that i had got and now this one from the dealer.

What should have happened is that the account should show only one loan which was the one this dealer was supposed to use right?

Which loan will the bank go with? All advice is most welcome, thank you

I financed a car in August of 2009. It was my very first car ever and everything went along smoothly. After three months the vehichle got totaled. I am dealing with the gap insurance because they are saying that they did not receive any of the paperwork needed eventhough I have proof that it was received. Also on top of this I was dealing with the wrong gap insurance for a month because the car dealership switched the companies on me without sending me any paperwork or having me come in to sign any paperwork. The copy I finally received after going down to the dealership and asking why the gap insurance company was saying I had no policy with them shows "signature on file". Is there anything I can do about the dealership switching the gap insurance without informing me? Also, is there anything I can do to get the gap insurance to pay because after ninety days it shows that they can refuse to pay for the gap on the loan. Please help!!!

I wanted to trade my car for a new car so I went to a dealership I have dealt with in the past because they have always done me right. It was about 12 pm before all the details and paperwork was completed and signed and I was beat. I did not get a chance to call my bank to ensure I could get the same intrest rate as I have currently on the vehicle I was going to trade in. The guy who was conducting the financing had this sale contract completed with there intrest rate which is 9.99, crazy compared to my current 5.85. I stopped him and said before I sign this document for 9.99 APR I would like to confirm with my bank that they will take on this loan and give me the same APR. He stated that in the state of Arizona you really do not take ownership of the vehicle until you drive it off the lot and if I was not to sign tonight they would not be able to place it in a sold status and it would not look good on the sales guys because they all stayed so late. Trusting that my bank would give me a good rate I signed the form but did not drive the vehicle home like the sales guy wanted me too. That leads me to beleive this policy is true. I called my bank first thing in the morning and sure enough they gave me to high of an intrest rate that I cant afford, I called the dealership to let them know that I was unable to find a bank willing to give me a rate at which would keep my payments at what I can afford and asked if we could just cancel the entire deal for now with the promise that in the future I would come back to conduct a deal once my credit issue causing my APR to be so high was fixed. He said he would check around with other banks and see what he could do. At the end of the day I called him and asked what the staus was and let him know I spent all day calling several banks and getting the same quote from all. I asked him again if we could just cancel the deal, he said he would speak to the GM and get back with me. Well now its the end of the day I still have my car I was to trade and the car I signed for is still sitting in there lot. Do I have a chance or do you think they will fight me on this through court action? Oh by the way I recorded the entire session of the financing process over my blackberry and let the guy know and sat it in plan site right in front of him so I have what he said aout driving the car off the lot in the state of Arizona and how I really do not own it until that happends. What do you think?

I recently purchased an Acura MDX with DVD players installed in the headrests. The dealer showed me Invision DVD players that were on display in their show room. They even gave me a brochure / pamphlet of the system with features they said they would install. In the lease contract, it says that they would install a dvd player system for $1800 (I have rounded off the figure). It does not say what brand they will install. But verbally they told me it is invision and I have a brochure of the DVD system. This brochure can be obtained ONLY from a dealership. The entire lease terms include the car + dvd players as one unit ... meaning that the lease says that I bought the car from the dealer as if DVD players were an integral part of the purchase and not a separate purchase. I told the dealer that I would not purchase the car if it did not come with the DVD players.

When I got the car, they installed a Vizualogic system in the car instead of Invision that was shown to me!!! When I asked them for the reason they said that Invision costs more money. I asked them why did you show me a superior product, quote me a price, get the sales deal fianlized and then switch the product on me. I told them that this bait and switch.

As a proof, I have the brochure that the dealer gave me and the sales contract does not mention that a Vizualogic system would be installed. Is this not a bad sales practice - misguide the customer and misrepresent the facts when they know quite well that the system they showed me is not the one they intend to install!

After arguing with them now they say that they can refund the $1800 to me and remove the system. I told them that this is not acceptable to me because I bought the car and DVD player as a single unit and as a proof they have put the entire amount on the lease. No where does it say that the DVD player has been purchased separately and that it is not an integral part of the car. I asked them to take the whole car back. Of course, they are refusing to do so.

Isn't the dealer now legally liable to replace the DVD unit and eat up the additional cost? What are my legal options besides hiring an attorney? I can write to the attorney general's office (I live in Mass.) and they will look into the matter. I can write to BBB but it has no legal power over this matter. Any advice would be much appreciated.

I was told 8 days after buying my car that they couldn't get financing but still working on it. This lasted another 4 days until they called and said they had to lie to the lender, but that they got me approved, all I needed was to send pay stubs. I haven't sent them in yet because I don't agree with them lying to the lender saying I am only responsible for half of the mortgage when I am responsible for it all since my husband is not working. They said if I don't send in my paystubs, I will lose my deposit. I just want to give them the car back because they are shady. What do I do?

About 3 weeks ago I put down $888 on a car. I found out that I could not insure the car right away because of a technicality with my license. I found out that I had to do a series of things to restore my license and it would take a little time. So, the following week I put down another $5,000 on the car to hold it because I was getting a very good deal on the car. Another week transpired, because everything I was doing to restore my license had to be approved by the state and not by DMV. Finally everything was approved and my license was cleared. When I called the dealer they had sold the car already. I was not happy about this but I figured it was my fault becuase in that past week I didnt do a good job in communicating with the salesman. I thought that $6000, which was about half of the cars price was enough to hold it. Long story short. I came back to the dealership to find another car and the car I was coming to see was sold as well. I told them I wanted my money back and now they are telling me I have to wait 30 days. Technically, wasn't the contract canceled once they sold the car that I put my downpayment on? And should'nt that be included in the wait? I think they are giving me the run around. Please advise!

I bought this car and I made a $500 down payment. My credit is very good I keep up with all my bills. But well we needed a second vehical because I just started my new job 3 weeks ago and I told the dealer I been work for 8 months full time but im only working part time... what happens if they find out????? Help me.. Im scared and I shouldn't have done it. I had the car for 10 days now.

If the seller doesnt cancel after 10 days since they couldnt secure financing, do I have to return the car or do they have to honor the original financing themselves?

I purchased a car though a dealership that financed me for the car. After 2 and a half month of driving the car, i lost my job and the car was repoed. A month after the car was repoed, they offered me the chance to make partial payments on the car until I got a job,, then full payments could begin and then I could get the car back. The car was repoed late April 2009, and I started making full payments again in June 2009. When the car was given in, it was in perfect condition, full tank of gas and at 167,000 kms. The car was still registered in my name the whole time, and please remember we were making out monthly payment on the car the whole time they had it. I picked up the car tongiht December 2009, and there is 173,500 kms on it (6000 difference from when they got it back) it had an empty tank and after driving it for 5 miunutes,, i needed to get towed, so not in good working condition. I want to know if it is legal for them to have used my car while it was registered in my name and while I was paying for it all those month. They told me it was just being parked in the lot, but obviously that is not the case.

My opinion of why the big three is in trouble, and how to avoid automobile dealers entirely.
By Andrew T Taylor

HIPPITY HIP HOP HOOP
”........goes the car advertisements ‘yesss come on down, we are giving them away!!! Break that advertisement down into facts, and you will find its 99% bull. You don’t realize it. these people want your money, but they want to PICK & CHOOSE their customers. I don’t think so!!

Many underhanded tricks take place in dealerships, more than I can discuss here. The most laughable:

“all applications will be accepted”
Well, yes, they will take them. That is what that means THAT’S ALL! But getting APPROVED is another thing. If you’re going to give me a hard time, I'm outta here. I am a busy man. I don’t have time for clowning around while you act as if the truck you’re selling is the holy grail.

1999 S10 for $5995 stock #12345
And lo and behold, that S-10 in nowhere to be found! But they DO happen have another one, at a much higher price.

Dealers want to give you an anal exam for a loan, If they find one thing wrong, you’re done. They don’t allow you one blemish, but they can be as crooked as they wish,

This is an article of WHY the big three is in trouble. You won’t find this discussed in the media, who depend on auto advertizing for revenue.

The first thing you must do is avoid car dealers. The whole scamming system! by now you think I am crazy. here is how I do it.

I will Buy from an individual. It’s so simple

“Mr. Jones, what do you want for that truck”?

I would like $1200

“Okay, here you go”.

“Thank you here is the title”

Done deal. Try that at a dealer and see what happens!

Bad Credit...... I had no choice on that one. Sure.....it made life more difficult at first, but I learned ways around it... buzzwords like W.A.C, ir "if you qualify" Instantly tell me that I do not want to pursue, nor have anything to do with these exclusionary people. These people tell me that due to some invisible number that I must pay more money for the same goods and services

So if I (according to the dealer) am not as likely to pay back the money, I should be charged MORE money for the same thing, putting it even farther out of my reach? I refuse to play that game. How about they don't get the sale at all? At least from me,

HURRUMPH!!! Thinks the car salesman to himself. "This guy doesn’t matter, because his credit stinks! He won't let me charge him more, just because I can. He is a non-conformist. He just needs to go away LEAVE THE LOT..

OK I will……taking my money with me. I have the power, not you.

l multiply one refusal by millions and it ends up affecting the whole apparatus, right up to the factory who cries every year because sales are down! wonder why?!!!!

New Auto dealers will not talk to you about a new auto loan if your credit is below 730. That leaves out 46% of the public! Is it any wonder that GM is in bed with the government? This company is in total denial. They have forgotten that it is the common working class that makes a company. The ‘tier 1” customer they seek is rare, and will become even rarer as this economy goes south, and certainly not enough to keep a big company alive.

Do you know any company who would not be harmed by refusing 46% of its customer base?

So people like us don’t matter to you big three? There ARE a lot of us and we have spoken with our pocketbooks. Now you come running to the Feds with your hand out! SERVES YOU RIGHT. Going bankrupt, crying because you can’t sell enough of your products? YOU DID THIS TO YOURSELF! Where did you think these imaginary people with perfect credit were going to come from??? The people in the suburbs were not enough to keep you afloat? you have catered to them for fourty years, forgetting the common man who made you successful to start with. You made up rules that locked the working class of people out of the possibility of buying a new vehicle.

You would think that the car companies would have seen the writing on the wall, but they are in total denial. Instead of opening up the market, on a workable basis they have clamped down credit even further…..going bankrupt, closing dealers…I saw the local dealers on local TV, just crying about it. AWWWWW……..poor dealers! Where was the publicity when poor people like us could not buy something decent to drive from you??? How does it feel to be forced to live like we do? It has taken years, but now reality is here!

I am self employed, and can easily afford a $500 a month payment...But I dont look good on "paper” So me, being somewhat resourseful (and a bit defiant), buy a 1984 Ford pickup with a bad transmission from Craigslist for $300. I also buy a parts truck for $50, and install its transmission in the 84. For a total of $350, Less than one payment, I have a truck that will last for another 5 or 6 years.*I then keep the money I would have given the dealer.

Who really lost money in this situation, me or the dealer, the factory and the economy?? One new truck not sold. One truck is of no affect to the bottom line... But multiply that by all refusals, and a quick run of the numbers result in millions of units not sold.

Now for you appearance wonks, who would look down on my truck because it's old and out of style, I say to you......I am wealthier than you. I do not have payments or debt. If I do not make another dime, no one will come get it. you have the appearance of being wealthier because you are in debt up to your eyeballs.......ummmmm …….excuse me, just exactly What was you gloating about again???????? your new escalade and this old ford are made out of steel, plastic, paint and rubber. break both down to its basic elements, and they are exactly the same... I drive this old truck in your presence as a testament to your ignorance!

Of course, the powers that be do not like Americans who think out of the box in this manner. One trick they used is requiring auto insurance mandatory, then using credit scoring to determine the rates. Over the years, they have tried several times to get old cars off the road. If you are not mechanically inclined, old cars are not for you. Most repair shop does not like to work on them, even though they are simpler to maintain. I wonder why that is so? Is it just another trick to discourage old car use, and compel you to play the game??

Henry Ford knew that the model T could only be successful by placing it in the hands of the common people who needed it. The public responded. To say the Model T Ford was a success is an understatement. Mr. Ford’s liberal sales attitude resulted in over 29 million units being built. With that much profit, any default or loss was easily absorbed

The only Car maker I have any respect at all for is FORD. At least FORD was smart enough to not let the government get involved in their operations...

I will be the first to admit that I have an axe to grind with car makers and especially the dealers. More than once I have laid under an old car or truck in the rain, mud, and filth attempting to keep something on the road to put food on my table. As I sometimes risk getting pneumonia just because some exclusionary dealer wants to pick and choose their customers .

I will always remember that pasty-faced sneering salesman at Morlan Dodge in Sikeston Missouri who tried to stand in my way! I now have a heated garage, and have stayed well-versed in electronics, so that doesn’t stop me either. I always have something to drive, bought for pennies on the dollar, and more cars and trucks waiting in reserve.

So as society pays an unreasonable price for a new vehicle, driving it around until the sticker in the window yellows, that’s fine with me. Once the new wears off if it, and the ashtray is full, and the wildcat dealers play with it, selling it used for 21% interest rate, and it’s worn out, then I will restore it, and enjoy it saving a bundle of money in the process that I didn’t have to give to the dealer or maker whom evidently, doesn’t want my business anyway.

Big three, you have done this to yourself. You have forgotten the people whom have made you big, the common worker. As you watch your sales evaporate, and your inventory grow, Just remember. You could have sold them IF you had the common sense to open up the market a bit with a reasonable apparatus of buying your product within reach of all. The antics of your dealers are your worst enemy. You set them up to sell your product and the dealers try hard to find reasons not to.

We, the common people have spoken, with our wallets and now, you’re feeling it. I guess we DO matter after all!

But as for me, the damage has been done because you have forgotten the common man. Until the day I die, I will never see you get one thin dime of my money directly if I can help it.

Andrew Taylor Sarcoxie MO
tempola@aol.com

i recently purchased a used 2003 chrysler from a local dealership. upon signing the first contract and the gps installment papers, i realized the sun roof was broken, i asked them to fix it they said they would look at it when they were servicing the can and installin the gps tracker. After i brought the car back from being serviced i was informed there was over 1400.00 worth of repairs to be made so they are unable to fix my sun roof or replace my tires. i became frustrated and starting looking else where i realized i wasnt going to be able to get a car without driving to another city i settled for the one i had.. i paid $500.00 down the day before i purchased the car and i have gave them all the documents they asked. but I'v had a few verbal disagreements about the condition of the car and the quaility of services. as of last night she repo'ed my car with no notice or anything i had actually spoke to her 2 hrs before the repossession was sent over to the tow truck driver. We were in a bit of an arguement because she was "giving" me 750 dollars for my car but only on paper. and i was confused about this. so my only thought is she felt hurt or something and repo'ed my car.. what can i do.. i have all the proof i paid and stuff.. shes claiming i never paid the down payment or gave her the necessary documants.

On 9 Nov, I purchased a 2010 Mustang by trading in my 1996 Ford Explorer. It was an excellent deal with 3.2 APR from the Ford Credit. Contracts were signed and transfer of ownership/delivery of my Explorer was signed. The had inspected the trade-in and I made sure to tell them that my Explorer is not in a very good condition so they offered my only $500 as expected. I also explained that although the Explorer is paid off, I never received my title because of me being in the military on moving around. Regardless of these info, the dealer still accepted my registration instead and proceeded with the contract. 16 Nov I received a call from one of their representative, Paula, and informed me that she has to write a letter to CA DMV to request my title and should be no problem, On 17 Nov, I received another call from the dealership, Robert, and informed me that another option they may elect to do is sell my car to another person without altering my contract, or otherwise, they may require a downpayment in the amount of the trade. CAN THEY DO THIS? And what are my options? Isn't this a "Breach of Contract" under various rights and articles: "Right of Assurance"; "Repudiation of Contract"; "Termination by Operation of Law"; "Unilateral Mistakes"; "Statute of Frauds"; "Perfect Tender Doctrine" and various UCC rules???

What are my rights?

i've had a car for three months and dealer has not found someone to finance me can i return the car and will i be charged?

I bought a vehicle 2-3-07 gave a 8,000 down payment and far a year made payments of 700.00 a month. Never recived plates or tags. Called every week to the dealership to see what is going on the only thing they did was renew the permit to drive and was always told they are on it that they were going to fix the tags. After a year past I went back to the dealership to see what is going on. With the suprise the dealership had closed so I didn't do anything because I was screwed. Well on November 8 of 2009 I got pulled over by police they towed my car because of no tags luckly I still have the contract from the dealership I was able to register it. But I don't know what to do the vehicle has a lien/holder. Need help what can I do.

I traded in my car for a truck and was approved for a loan through my bank in September.  Since I was approved I was able to drive it off the lot that day.  I signed all of the neccessary paperwork and made sure that they recieved the paperwork from the bank.  They have since paid off the balance on my car but have still not completed the paperwork for the truck loan with my bank.  The first payment was suppose to come out of my account at the end of October but it did not.  When I called the bank they stated that they are still waiting for the dealer to accept payment on the check.  I called the dealership and they said they were a little behind but would take care of it right away.  I waited about a week and checked again with the bank and they stated that they still have not heard from the dealer and that the loan expires in 4 days.  I called the dealer again and stated that the loan expires in 4 days and that they need to cash the check.  Four days has now come and gone and I am not sure what is going to happen.  I have since paid to put a 5th wheel attachment on the truck and I use it to tow my 5th wheel (Since that is what I bought it for)  Will the bank create another loan?  Can they take the truck back?  What legal recourse do I have if any?

Hello, Iam new at this..However, I got a car 2002 Nissan Altima from a Buy Here Pay Here place on Aug. 7th 2009 a few weeks later in the same month the Alternator went while I was I-95. The dealer had it replaced and still till this day I owe him $200 for it-and then now come Sept 2009 the Raditaor is Leaking-and then now come Oct. 4th 2009 I need brand new rear brakes and a wheel cyclinders that is going to cost me from my Mechanic $225.00 to fix.  Now my car dealer is upset because I won't use his mechanic and pay him $100.00 to fix my brake issuess and I told him that I won't be able to make my $170 car payment this week because I got to get the car fixed. My mechanic is ASE Certified-when I asked my Car Dealer was his mechanic ASE certified he advised me that he didn't care if his mechanic was from the moon-still he can get the car fixed. That was not encouraging to me since I have three disabled people amongst me to drive everywhere. His paperwork says: As Is and No Warranty-so why would I call you and tell you that Iam having a problem with the car for that matter and still owe you money on the Alternator-and that to me is bazaar.  However, for some reason he told that I can't trade his car in-and I looked at all the paperwork and it don't say a such thing-so can you actually trade the car in although you just got it and still owe on it? please advise! I pay $170 every two weeks on this car and have full coverage car insurance. Don't know what to do-but he did ask me for my mechanics phone number and I gave it to him-he says he want to know how he can go about gettting ASE Certified. Yet he told me that I can't just not make a payment on the car and get my car fixed-when in reality I was asking him to work with me on this payment because I have to get the car fixed.  Thanks for listening-but this car when I got it had 115,000 miles on it in Aug. and now it has 118,000 miles -don't know if I got a lemon, should I ditch the car, I tried giving it back to him to get something else and he is coming up with every excuse in America not to give me another vehicle. Please help-any advice, tips, something-input...Thanks 

Bought a used pick-up from a buy here pay here guy in central Florida.Paying $100.00/week and never missed. Dealer always insisted in cash but would never give a signed receipt detailing what payment was for. I decided I would now start paying by check so I had records. Now he won't accept my check/payment and is trying to repo the truck. I have the typical Retail installment contract which does NOT say I must pay in cash only.

What recourse do I have?

Hello!

I posted this question elsewhere, so sorry if it is redundant... we really need help asap!!

My boyfried just bought a car and he is overwhelmed. He is sorry he did it. We only went to look and ended up driving off with a used 2008 Mazda CX-7. It was a rental previously and had about 26K miles on it. He originally signed the papers on 10/25 but they would not let him drive off the lot, because he did not have auto insurance. He also does not have a license, just a learner's permit (we are California residents). Under the original terms, they financed him at 15.99% interest! but they told him no prob, just go to a credit union, open an account and in 6 months it is possible to refinance the loan and bring down the interest rates significantly (and again suggested that with the second contract). He has been in this country for 2.5 years and has only been employed for 6 months after being a student for most of his stay here. Neither of us knows much about cars, so we were easy suckers with big eyes. They wanted $3500 deposit, and let us put in two checks, one for tomorrow 10/30 in the amount of $2000 and one for 11/15 for the remaining $1500. We had to go out and get insurance, so on the 10/27 we obtained it (the lady said when he passed his driver's test to come back n cancel the policy n get a new one so that the rates come down - it was expensive) and on that night we went in and gave them proof of income and also proof of insurance. In the meantime, my BF had started doing research and was really not liking what happened in terms of the fact that the seller made the car seem like it got better gas mileage than it did and we also found them advertising the car online for about $400 less than they sold it to us for. They had it marked high on the lot and "gave us a good deal, below wholesale" and then we saw the same car online for less than what they gave it to us for! We felt dumb. Anyway, when we went in, they had a new contract for him to sign. They financer took off the difference of the overcharge and also brought the interest rate down to 11.24% but an additional $500 in deposit was required for a full $4000 and that 3rd check is due on 11/25. And on the new contract, they added the "Gap Contract" for an additional $750 which we did no opt for on the 1st contract, but the way she matter of factly had him initial for it didn't even make him blink, so the money we saved pointing out the discrepancy on the website ($100 less than the "great deal" they offered us) which was $400 less on the new contract for the purchase price of the car, was eaten up by the Gap Contract. And, now, looking at both contracts, even though they were signed two days apart, they are both dated 10/25. He is really crazy in the head. He doesn't want this... His appointment for his driving test is tomorrow. We are thinking about rescheduling it next month so he won't be able to get his drivers licensce til then. Can we break this contract if he does not obtain his drivers license and the loan company won't finance him? How does the 10 day rule work in or against our favor? Can you please help us? They are depositing the check for $2000 tomorrow. If they cannot finance this loan, will they give our money back? I'm sure it will be a heck of a fight. And if they come back and say that they need to sign a new contract again because financing is hard, can we then say forget it, we don't want a new contract.. cancel it - here's your car and give us our money back?? Can they hold off until he gets his drivers license? For how long? Your answer asap will be most appreciated as we are on a serious time constraint now!! :(

Thanks in advance,

Theresi P.

I am a first time buyer here in California and I purchased a used '05 Nissan Altima on July 27th, 2009 and got a good deal on the car and love it too. During talks with the sales-person I asked if I would have to pay any DMV registration fees and he said NO because it would be included in my contract the Dealership pays. Its been three months since I bought the car and decided to go to the DMV because I had not received by License Plates and they told me that I owed $463 from registration fees for the last 2 years, when I explained that i had just bought the car, the DMV rep said that the Dealership paid only partial payment for 2 years prior but still had 2 years left to pay for it to be up to date. The DMV rep said that I should speak with them because they are required to pay. The dealership is saying that my contract says they only pay estimated fees.

Contract details:

"Estimated DMV fees: $292.25"

"Total official fees (license/registration/title/transfer) $234.00"... total fees paid by dealership.

What should I do? The DMV rep says I should hold-ff on paying because it is there responsibility to pay eventhough i signed because these are fees 4 years before and they should have had them up to date anyways.

Is there any legal place I can call?

I bought a 2008 Jeep Liberty back in December of 08...since having ownership the car has been back to dealership for maintenance of major parts a few times as well as a leak had to be corrected three times and now the center console is moving and when applying brakes feel as if someone is rearending me. I got outside financing thru my credit union and now is trying to get Chrysler to take back this vehicle and give me another one in its place. Do you know if there is a program out there that helps with this issue.

I purchased an extended warranty on my previous vehicle.  I then traded that vehicle in after about a year and half later for another new vehicle.  This dealer told me that I would get a prorated refund on the extended warranty from the previous dealer.  Filled out the paperwork and a few days later I got a phone call from the previous dealer telling me that my warranty was traded over to another party for $150,  which I never did of course.  Am I ever going to get this back?

We were notified that the dealership wrote the contract with the wrong VIN number and our carfax report also had the wrong VIN number. They want us to come in and sign a new contract. I would like to just cancel the deal and return the vehicle now. They have me feeling very uneasy about the whole deal. Do we have any legal rights?

A purchased a new Hyundai on 8/25/09 at a local dealership. I drove the car for 30 days when I received a phone call from the dealership stating I needed to bring the car back, they did not secure financing because the lender did not like the fact that I had been car shopping and had attempted to purchase another vehicle in the recent past, could not come to terms so I decided not to buy at that time. They also told me that they believed I lived in another state, regardless of the fact that I have never lived in another state, the dealership had copies of my driver's license, utility bills, cell phone bill, etc to verify my residence. I was told that the dealership would have a rep from the lender call me, and I heard nothing for 2 weeks when the dealer called me again and said I had to return the car, same song and dance. I offered to bring in the copies of my residency proof yet again, and I was told that shopping for another car in a different state nullified the deal. My ex-husband lives in a different state and we did shop there for a car, but decided not to buy. So, now it's 45 days later and they still want the car back because I simply shopped around before making a purchase. Is this legal? Isn't there a certain time frame a dealership has to secure financing? Is it more than 45 days?

I sold my 2009 honda odyssey to a toyota dealership. They apparently ststed they made an error and told me I needed to pay them 2,8999.84 for my payoff so i would no longer own the honda. When i got home that evening they said their financde department said they made an error and I owe them more money. All documents were signed they refuse to give me a copy of the deal and after two monthe os working with the BBB they have changed their reasons several times for not paying off the vehicle to my credit union. they first said i owe them more money. then they said i gave them a wrong pay offf amount and now they've said they want to return my check and for me to pick up the van. it's been 60 days I already beought another car and have given proof showing that I gave them the right payoff amount and have a letter from their lawyer stating I gave them the exact payoff numbers I gave the day I sold them the vehicle. They want more money which is the bottom line, but how can they do this when we clearly had a deal? They obviously want me to pay for what their calling an error on their part. In the mean time I have been paying for the van as not to ruin my credit. How can I hold these guys accountable? it's been 60 days and the BBB seems to be dragging their feet.

I bought a new Nissan with a $2000 rebate, while reviewing the sales contract with the dealers "finance guy" the rebate was include but then there was a $2000 cost for the warranty at the bottom. The finance guy said it was a normal charge and since I had not purchased a new vehicle since 1995 what do I know, how do you argue with that? A few days later the charge was on my mind and I was looking for my copy of the sales contract but it was not with my documents from the dealer. I returned to the dealer asking for it and they told me to come back later saying it was already archived in storage and they would need to dig it out. I called several times and they kept putting me off then I finally went to the dealer again and demanded a copy of the contract which they produced in about 5 minutes but just printing a new unsigned copy from the computer. After re-reading the warranty wording for the 2k and then looking it up on the Nissan web site I discovered the "warranty product" in the description was for a used non-Nissan vehicle. (For used cars they sell) I'm confident they backed charged the rebate through a warranty cost because I called the dealer posing as a new customer and ask the cost of a warranty on new vehicle and the salesman answered that there is no extra cost. My question is with a signed contract do I have any recourse in small claims court if they refuse to refund the 2k or am I S.O.L because I singrd the contract?

Well, I really have an issue, my grandpa leased a car back in 2006, payment were being made until he passed away in 2008. We did not realize the car was leased we thought the car was purchased outright....we took the car and realized a year later that no payment were being done for the lease, I could only imagine the car is in a REPO list.

We are afraid to even contact the dealer, we will just take the car to a dealership and drop it off with the keys inside. Can this be harmful?

On July 28, 2009 I went into a dealer in los angeles, ca and put a $4000 down payment on a car and the dealer told me that the car needed minor repairs and that it would be ready in 3 days. When I went back to pick up the car in 3 days they said that it wasn't ready yet. Two weeks later it still wasn't ready and I called the dealer and told them tha I was tired of waiting and that I wanted my down payment back. I never test drove the car or had it in my possession. The dealer then said that they were going to sue me for breach of contract and they refused to give me my money back. It has not been 2 and a half months and I have yet to receive my money back. I dont have a car and I don't have my $4000. I have filed a complaint with the Better Business Burea but they said that my case was too low scale and that they couldn't help me. I also filed a complaint with the district attorneys office and they too said that they couldn't do anything for me. I filed a complain with the california DMV and with the Consumer affairs dept but I have not received any word from them. Is there any way I can resolve this in a much faster manner? I am stuck taking the bus now because that was all the money I had and my old car broke down. Any advice will do.

I bought a new car at a great APR using dealer financing. They called me 12 days later to say that rate wasn't available so I'd need to re-sign at a higher rate, though they'd keep my monthly payment amount roughly the same. I told them I liked my contract as-is and saw no reason to pay any more than what we'd agreed to originally. Lots of haggling back and forth but they eventually were able to drop the purchase price enough where my bottom line didn't change with the higher APR. I am hesitant to sign any new contract because to me that opens the 10-day door for them to try to re-negotiate everything to their advantage, whether they would or not, I don't need to lose any more sleep over someone else's admin error. One of the finance managers was more frank with me than anyone else and showed me the lender's fax indicating the dealer could pay the buydown or try to get me to sign at the higher rate. He said the amounts of the buydown and amount they'd need to reduce purchase price by were essentially the same, and he'd look into letting me keep my contract as-is. Needless to say, have not been able to reach him again. The other finance mgr is saying at this point the lender is no longer offering them the buydown option because the lender wants all numbers on the contract to be accurate, i.e., the reduced purchase price and the reduced tax paid. They are using high pressure tactics on me to come sign this contract that I'm not comfortable signing, and have hinted -- without outright saying -- that the car is not legally mine as it hasn't been submitted to DMV. They're acting more and more incredulous and put off at my hesitancy and mistrust, and I'd prefer to never deal with them again.

If anyone can help with any of these questions, I'd really appreciate it and get a good night's sleep. :-)

My question:
Does that sound likely, that the lender would rescind the buydown option because the contract wouldn't be accurate? Even if so, would that quibble between the two of them be my problem? Finance mgr has tried to tell me the contract isn't legally binding as it's not cash-backed. Where would I stand in court, if I held out until they resolved it between the lender and dealer? It's unfathomable to me that this contract could be considered invalid in anyway. But they're trying to scare me, and I just want to make sure I understand all their tactics. I've asked that they type verbiage on a new contract saying if they can't secure financing for this new contract, they're obligated to honor the other contract. Which they're brushing off.

My young son and his family were just in Hawaii. He purchased a used vehicle from a local dealership for 5000.00. The car worked for 24 hours and then broke down and cannot be fixed. Basically the dealership has told him he is out 5000.00 not there problem anymore. The care is sitting at the dealership and is not drivable. My son has been in the Army for one year and just got out of school. He does not have the money to just give 5000.00 away. Now they sit in Hawaii with no car and no money to get a car. What rights does he have and who can we contact for help

I am buying this mustang from a used car lot for $3,900 and have a downpayment of $1,700. It has been 3 weeks since the downpayment as i am waiting getting paid from a job ( i am a sub contracttor) Can the dealer sell the car on me? how long can they wait till their allowed to sell it on me?

I just realized the company I bought my car from did not sign any of the documents that were given to me, this has been over a year ago. Now they are refusing to give me my title saying I owe money and I certaintly do not. The dealership I bought the car from is out of business and the lien holder is founded to be a scam company. Is there something I can do?

I bought a car from a dealership. They finance the car themselves. but after finding out that i was paying way too much for the car i tried to return in the next day but they said there is no return policy and i can't return it. I've already had the car for a week cause they won't take it back and i don't want to lose my down payment. Should i just go ahead and drop the car off at the dealership and try to get my money back or should i keep the car because they insist on their no return policy????

yes i did sign contract but the lady fast talked me and lied about what i was signing..then i gave them an expired licesened ,but then told them i didnot want to take possesion of car .they said if i didnt i would lose my car and down payment. i took it and brought it back the next day i told them i dont want the car and im not giving you any info ..they said they would ruin my credit,,i kept complaining in their store, so now they said what deal can we make..i told them keep half the down payment,, just so i could walk away....

any one think this was bad way to get outof trouble?????

It is unlawful for a dealer to sell a trade in vehicle before the new deal has "cleared" for lack of a better word..........it is not their car to sell if the original deal has not gone through................if this happens contact your state DMV or dealer licensing board or whatever venues are available in your state!! Dealers can get into ALOT of hot water for doing this!

I get a call from my dealership saying there is an issue, seems I had a lapse of 7 days with my insurance on the vehicle I turned in for insurance. The dealer did not verify before I traded in my vehicle and took possession of my new Mazda. I have the new car titled to me and it's been over 3 weeks.
I have not signed a contingency clause but I have noticed that the dealership did not sign the bottom of my buyers order (Accepted by Authorized Dealership Representative).
Am I going to have to return my new Mazda or pay them the $4500.00 + $500 rebate they gave me for my Clunker?
This is scaring me!

Went to purchase a car under the cash for clunkers program. It was the night before the program ended. I asked for the price on a vehicle I was interested in. I was told that I had to buy to dealer installed aftermarket option or they would not sell me the car. These options were paint protection and window etching (theft protection) toi the tune of $1,700 for the both of them. I insisted that I did not want these but was quickly told that if you do not like it, you can go buy your car somewhere else...stating the dealership needed to make money too. Mind you this is a Chevydealer that you would expect would be happy to sell a car to whom everr was willing to buy one rather than screw them and take half of the cash for clunkers money for themselves. I never saw it advertised that the clunkers program was supposed to benefit the dealers in this way - splitting the government portion of the payment!

Needless to say - since it was the last night for the clunkers deal - I purchased the car. It was 10:30, dark and raining and I did not want to take the care home. They forced me to take it home. so when I get it home in the light - I see the car is covered with stone chips and had a dent in the rear deck. So I took it back to them to show them the damage. I failed to mention they never did a walk around inspection on the vehicle and I never sign a form stating the vehicle was in acceptable condition. So I show them the damge and they say they will fix it - only if I complete their survey and give them a favorable rating. Otherwise they would not fix it. What is that? Sounds like blackmail if you ask me!

So I wrote a lette to the General Manager in reply to the "We hope you are satisfied letter" I received stating I could call him with any issues. So I send a certified letter and get a call from the salesman stating the same thing they stated before - give us a good rating and we will fix your car.

So what do you do? Is this stuff legal. should they not be obligated to repair the paint chips in a "new" car especially if I never signed off on the inspection. I call the GM Awareline and made a complaint. Lets see what comes of it. Hard to belive that Chevy would want their dealers telling their customers to buy these aftermarker dealer add ons or go somewhere else. nice way to grow the business. This dealer should be closed down- thye are injustice to GM and work against the growth of GM. No wonder America favors Foreighn cars - look how the red/white/blue companies treat you!

Hey, I purchased a car with GMAC financing about 3 years ago, now i've lost my job and have been unemployed for about two months, before i was late on the first payment i sent them a letter asking for options, and maybe negotiating a return of the vehicle i've paid more than 50% of the original value a tthis point. Anyways long story short they didn't reply to my message, so i called them and they offered me a payment defferement program for a few months while i get my job back, at the time they did not informe me that there was a $200 fee (which i can't afford right now) for this option, and so i went into a late payment because of that. When i confronted them about it they offered a half cocked apology and told me there was nothing they could do.

I'm tired of dealing with them I live in Vancouver BC Canada, if that helps in specific legalities, I'm wondering if anyone knows of any options i have that i might be able to send this vehicle back to them. I can't afford to refinance because i'm barely affording to live right now, a return would be the best option for me.

I bought a one year old "pre-owned" Subaru from the local dealer just over a week ago. The three salesmen I dealt with there confirmed it has a PZEV engine (parial zero emissions vehicle.) In fact the primary salesman I worked with said he hated hybrids (I had said that I was initially considering getting a hybrid) because they were not as "green" as the PZEV. All three men knew that this was my priority; to drive a more environmentally responsible car. I have a witness who was with me throughout the transaction.
Not until a few days later did I stumble upon the fact online that, no, not all "Subarus for the last three years have PZEV engines." (The salemen's exact quote.)
So I contacted Subaru customer service online and gave them my VIN; they confirmed that my model does not have PZEV. In addition I find that the gas mileage as quoted by the customer service person w/Subaru online is not as good as they claimed either. What recourse have I got?

Thanks so much

We were told to make a deposit of $500. min on a van we wanted to purchase with finance thru the dealer. We told them upfront our credit is not good right now. We were declined for the loan and were not sent or given a phone call. they said to call them on tuesday and I did I was told we will get back to you. By the end of the week I called again that was when we were told we were declined I asked for out deposit back I was told next week we will mail it to you. Now it's next week and still no check. I called and said I want to go pick it up. Now I'm told they dont have to give back my deposit for 30 days. I am planning on using this money on another car and now I cant. Help!!

Ok, so 2 years ago I attempted to buy a 2007 honda civic. Everything was going great until my financial situation changed last year and I was forced to give up the car. I got hit with the reposession and undoubtly bad credit under my name. Fortunately my financial situation has been turned upside down and now I can afford to buy a car, brand new if I wanted to(but I don't). Problem is I have yet to pay anything on the car that was reposessed. If I attempted to buy a used car now, would the financing company I owe money to take possesion of my vehicle...or even worse, would I be denied the purchase of a said vehicle?

I am not trying to stiff the financing company I owe the money to, but I really need to get a car. My job depends on it. I would be more than happy to pay them back the money I owe but I would prefer to do that only after I have a car. If I must pay them their money first, I will, but again...I really need a car right now.

Any advice from anyone experienced with my sort of situation would be of great help.

I bought a 2009 hyundai accent on Aug 18th. I had my boyfriend co-sign and finance told me that everything went through, and we were approved for the loan and i was able to drive off the lot with the new car that same night. I drove around in it for 7 days until the dealership called and informed me that i had to return the car. They're reasoning was that the bank did not approve my loan. I left that building with the impression that this deal was 100% finalized. Why was I not informed of the possibility of having to return the car? Shouldn't that be made clear?

Before I bought the car from the dealership, I asked the sale guy if the car has a clean tittle or been in accident and he replied no. I did not buy the 2 days cancellation offer thinking this car was clear. When I went home, I looked at the service record of the vehicle and noticed that the car had been in an accident and the auto body shop quoted around 1500 dollars worth of damage. Is there a chance of returning the car?

On July 30th, I took possession of a 2009 Honda purchased under the C.A.R.S. Program. The dealer is holding the title and other papers until reimbursed by the Government. The dealer filled out the agreement saying that I qualified for $4500 under the Program. After 2 weeks had passed, I called the dealer manager saying that I needed my title, etc. so that I could get my license. He said that they still have not heard from the CARS Program. He also told me that I had signed papers indicating that I would be responsible for any amount the government did not pay! I must admit that I didn't read every line on the stack of forms that I signed. The salesman verbally summarized what each form was before I signed and none of the forms was said to be a "contingency" contract. Did the dealer have a responsibility to tell me about the agreement papers? What recourse do I have? Help!

I recently "released my lease" on a Hummer because it was seriously damaged by fire. All parties involved felt it should have been deemed totaled, however my insurance paid for the repair (over $13,000). The fire was caused by the vehicle parked next to me catching on fire due to a mechanical problem (recall issued). The situation is in litigation (another whole story) but the Hummer was over half burned. My dealer turned the Hummer over to GMAC and they sold it at auction. I found the vin# and vehicle at a large dealership in Texas and it has a clean Carfax report and the dealership said it was in excellent condition with a few minor paint repairs. They even made a large statement in ad stating "previous owner non-smoker"! The car was in flames! Should I bring it to their attention? My attorney and various mechanics/appraisers said the vehicle will have future issues..possibly severe.
Any advise would be appreciated...I feel its an outrage that this fraud exists, but want to say something.
Thank you!

I recently bought a 2008 Chrysler Sebring from Solomon Jeep in Carmichaels Pa. about six weeks ago. I noticed yesterday while washing the car that either the clearcoat or mettalic paint is coming of my bumper. Havent even made a second payment on it yet. I need advice on how to handle this with my dealership. I'm ready to go nuts but I don't know if it is the right way to go about it. please help....

I purchased a used car from someone with a dealer license and I tried getting my tags and my registration from another place and I was told I needed paperwork from them, since they were considered a dealer. I went back and I told this man I needed a title, and some other papers...well a week passed by and after several attempts in trying to reach him I finally got a hold of him. He tells me that I was suppose to do all the paperwork with him (I know it's not obligatory) so I told him after the bad experience I had with the car (I ended up paying so much to repair the car in such a short time) I had no intention in giving him more of my money. So since he didn't want to get me the paperwork he was supposed to I agreed to have him get it all done at a lower price. Again BIG MISTAKE... It's been a month and nothing, his voicemail is always full and he doesn't answer the calls right away. I'm afraid I might get charged with fees of some sort, does anyone have any advice??????????????????????

I recently put 600.00 down on the purchase of a used Tundra. It has been about 2 weeks and I am just waiting for a check to clear at the bank so I can go pick up the truck. Can the dealer sell the truck even though I put a down payment on it?

On August 1st I purchased a new car in cash and received $4500 for my Clunker. The dealership and the 4 people who looked over the contract, insurance, and qualifications for Cash for Clunkers approved the deal. Now the dealership is saying I had a lapse in insurance for 21 days. They have my car, they gave me the keys to the new vehicle. Am I required to turn in the new car if the deal has already been signed?? It has been 17 days. It is their fault they didn't pick up on the insurance. What should I do?? Especially since they only want to offer me $1000 for my SUV.

Please help!!!

I signed a contract for and took possession of a 2009 Nissan Altima on 7/27/2009. When I left the lot, I told the dealer I wanted to finance with my credit union; however the contract I received this past week is with a bank. I called my credit union and they said they approved the loan on 7/28. I called the dealer back and asked WHY? They said that maybe the credit union's response came in after the bank's and they can't do anything about it. I asked for the specific date he was using - because he had assured me he would take as long as needed to get me the best interest rate, but he "couldn't find the date". The interest rate is even lower with my credit union! Both my credit union and the bank say if I want to I can refinance the loan, but that requires waiting for about 90 days and may even cost more! Is there anything I can do now to void this contract with the bank and move it to my credit union?

We buy a new a new car we train in our oher car plus 8000 down payment but my husband sighn that we give them 10500 so we have to pay the resy we own still 200 can they repo the car??? because i havent pay the down payment for 2 months so can the came and get the car??? but iam still making the monthly payments thou!!!!!! i dont know how this work? they havent call me or anything!!!

I got a car with the option of third party financing, but after a few days my bank told said it was too much. Now im stuck with no financing and I don't want to ask for a co-signer. The dealership said it would be a voluntary repossession, is that true or is there anything else I can do?

I purchase a used car from a dealer in Houston with cash and pay the tax and title fees and registration i have a bill of sale . Well i'm still waiting for the title and tags. they keep telling me they are working on getting the title . So this is what i found out . the Texas Department of Transportation said the car is still in the owners name. find him. I did because they left some papers in the car with there name on it . Well i call him he said he sold the car and title to a dealer. Well now i found out that the dealer i got the car from bought the car from them and they gave that dealer a hot check and they are sueing them. The car dealer that sold the car to my dealer called me and told me he has the title and i well naver get the title. So I'm getting a bond title on the car. Can the dealer that has the title dispute ownership of the vehicle and take me to court. So far theres just a clear title on it as i know. should i just sell the car after i get my name on bond title of ownership ((what can i do Help ))

On June 27th, I purchase a used car from Norco M*tsub.... At the time I did not notice that the headlights were replace with non standard. Unfortunately not something normally anyone would notice during the day. So I notify the dealer via email and they told me the owner was out of town for 2 weeks. I later got in touch with the finance mngr and he accused me of changing the lights. By the way the lights cost about ($4000). My down payment was my car and $8,000. I had already started looking for replacements on ebay, just in case because I had already sign a contract and the AS IS paper. I left on vacation and when I returned I tried calling the dealer but I would get the answering machine. I emailed them also, but this time I have a bigger problem. My payment was suppose to be due on July 27th. When I returned it was already August 3rd. So now I was worried, I was hoping that I had all that and make my payment before my vacation. So a buddy of mine tells me that they need to fix my headlights and so I started filling out the information for the Better Business Bureau and while looking up their address I notice a post stating that the dealership was closed. The next day now worried becuase I have also not received my tags, I called the bank that financed my old car. I was told that I was now 16 days past due on my payment. It was Sunday. I went to the police and try to file a report because the dealership had already cash my check and they disappeared. They told me that it sounded like a legit deal and this was a civil matter. I drove down to the dealership to see if they were really gone. There was a number posted, which I called and they told me they don't know anything about any deals that dealership had done. Next day I called a fraud attorney and went to make my payment on my old car and try to save my credit. Fraud attorney not sure what to do with the case because there is no one to sue. I call the DMV investegators and now I am in the process of collecting all info they required. I also called 919-445-1888 (for CA only). That number is for the Motor Vehicle Board, setup to help people who's old cars were not paid off by dealerships that go under. They told me the dealership I was dealing with did not go under and they gave me their Bond information. I track their bond CO down and told them I needed to put in a claim. I also warned them that there might be more people in my situation. About 4 hours later a person identified herself as an employee for that dealership. She told me that the bank had turned down my loan and what I wanted to do. I told her I want to return the car, get my money back, and my old car. She directed me to another finance mngr who said he had nothing to do with them and gave me their attorneys number. Anyway the same guy called back and took some info...I told him if we unwind the whole deal then I will not have to hire the attorney because now I have names. At this point I am so frustrated that I just want to undo this whole deal...what are my options here? Am I liable for the mileage on the new car, would getting my money back be realistic? I have to say I did not see this coming at all. For people buying use or new cars get a writting guarantee that your old car will be paid off in 10 days and if the dealer stands behind their sales get a 30 day waranty on your purchase.

I purchased a Kia Soul-sight unseen as the color I wanted was on another island (I'm in Hawaii). All the papers were signed and I was offered $3500 under the government Cash for Clunkers program and I put another $1000 down. Today, 7 days later my car arrives at the dealership and I see it for the first time. My cream white 2010 Kia Soul is covered--hood, fenders, roof--in industrial fallout. The manager explained to me that because it was parked near an airport that what I see is not rust, but industrial fallout and the car would be detailed utilizing clay. I DID NOT DRIVE THE CAR OFF THE LOT. I have already signed the title over to the dealership for my "clunker" a 2001 Mazda Tribute and today I left it at the dealership and left in a loaner from the dealer. Can I cancel my purchase agreement? I am afraid that the fallout marks have already permanently damaged the paints surface. What rights do I have? Can I cancel the financing and the insurance? What lies should I expect the dealer to tell me?

I purchased a Kia Soul-sight unseen as the color I wanted was on another island (I'm in Hawaii). All the papers were signed and I was offered $3500 under the government Cash for Clunkers program and I put another $1000 down. Today, 7 days later my car arrives at the dealership and I see it for the first time. My cream white 2010 Kia Soul is covered--hood, fenders, roof--in industrial fallout. The manager explained to me that because it was parked near an airport that what I see is not rust, but industrial fallout and the car would be detailed utilizing clay. I DID NOT DRIVE THE CAR OFF THE LOT. I have already signed the title over to the dealership for my "clunker" a 2001 Mazda Tribute and today I left it at the dealership and left in a loaner from the dealer. Can I cancel my purchase agreement? I am afraid that the fallout marks have already permanently damaged the paints surface. What rights do I have? Can I cancel the financing and the insurance? What lies should I expect the dealer to tell me?

I purchased a 2007 BMW from a small dealer ship in Las Vegas in November 2008. They never paid for Manheim for the car yet they sold it to me. The dealership referred me to a credit union which he dealt with many times. The credit union I financed the car through used the dealer as an agent, the credit union gave him all the docs for me to sign, to open the mandatory checking account with them, etc.

Its now been ten months and I still have no title. Is it the credit unions responsibility to secure title? Or my responsibility? I finally stopped making the payments this month but want the debt off my credit.

Please help!

Last night my wife and I just went to look at new vehicles and inquire about information on the CashForClunkers terms. My truck qualified and zip/bam, before you know it they had piled high financial incentives for a purchase on one of their trucks. After a night of clear heads and researching on the Net, we really don't want to be saddled with this deabt since our other two vehicles are paid off and actually run fine. My wife applied for the purchase and signed all the papers and and the truck will be hers and in her name. However, we did not take possession of the vehicle and the title of the "clunker" is in Mine AND Her name! and of course . I have signed nothing at this dealership Is the contract void if I refuse to deliver our vehicle jointly titled on both our names "as in John And Jane doe" and not "John and/or Jane Doe" We were foolish in our hasty actions and let the Dealers bulldoze even when we swore we would not buy / just look. Is it too late? and is this contract binding. The financial agent said the if the title said AND & not AND/OR, that I would have to sign some papers and not just her since she cannot trade the truck without my signature. I still have the clunker but am supposed to bring the title and leave it and sign it over and pick up the new truck today, but as of yet, keep in mind I have signed nothing in this deal. Can anyone help me here?

very helpful I bought a car july 6 and the dealership didn't call me about any problmes till july 30! now they want to take the car from me or give them a bigger downpayment! (and by the way they don't want to give me my paper work) I know I have something here but what next what can they do what should I do?

I recently bought a car in New Jersey..The car was advertised for $8495, but altogether it came out to $11,990. My Dad & I purchased it together, I'm the signer, he's the co-signer. I just signed the finance papers today..I also have a 2000 down payment with the dealer. I have been thinking about this ever since I left the place, since I bought this car on impulse and didn't realize what I got myself into..Now, I want to know..is there a way for me to cancel my contract? I signed the papers today (August 11) and I want to know if I can cancel the contract. I'm having buyer's remorse and really don't want to take on this loan..I know it was really stupid of me to act on impulse, but I honestly went to the dealership just to look, not buy..I called the dealership, but they said I can't go back on it since I signed it, but I've been looking at internet sites and some say that I have 3 days to cancel my contract in writing. Please let me know what I can do ASAP! I want to get out of this before its too late!!!

I purchased a 2009 toyota tacoma on Aug. 1 at a dealership in Los Angeles and I got a pproved for low interest rate and at a good selling price. Sounds familiar? I got a call from financing on Aug. 7 saying that the financing fell through and I have to sign a new contract with higher interest rate. It did not sound right so I researched online and found out about yoyo financing. I decided to return the truck the next day, Aug. 8. I told the financing the I am here to return the vehicle because the financing fell through and I do not want to keep the truck. He then told me that there is nothing to worry about because they found a lender and they get to honor the original contract. I told him to prove it to me in writting but he said that the contract is all I needed and the financing is approved so I do not have to return the vehicle or pay more. So pretty much the dealership was bluffin because I showed them I am not desperate to keep the truck.

Today is Aug. 10 and I am still uneasy about the whole deal. The truck currently has 130 miles and I plan not to drive the truck until I received the first auto loan bill which is due on September 15. Am I doing this right? I know I've seen some people have said to return the vehicle but the dealer will not take it back because they said its approved. Should I start looking for an auto loan just in case they pull the YOYO scam on me again? (To my next question, I know this may sound stupid but I am paranoid) After I make my first loan payment, is the deal finalized and I can drive my truck? Tomorrow is the 11th day, does that mean they can no longer change the contract? (I heard 10 days is all the dealers have to make changes in the contract). If I returned the vehicle, will they charge me any fees if they do ask for it back? I live in Los Angeles and I am not familiar with laws regarding returning the vehicle.

A little background. I have a 704 credit score, my wife has 735 who is a cosigner. I have purchased an 05 mazda miata and an 07 ford mustang before purchasing the toyota tacoma and this is the first time I ran into this kind of scam.

I purchased a used car from a reputable dealer, filled out all the paper work and got approved. Signed the contract and left with the vehicle. Now the dealership is trying to say that they need a down payment......after the fact. It was within 10 days, but if I cannot return the car if I don't like it, can they decided to try and scam more money from me?

I recently purchased a GM vehicule on July 30th. I paid cash for the car and all incentives were applied including a $1000 GM loyalty rebate. I recieved the loyalty letter via an email despite not being a GM owner directly at the time. My sister was and is a GM owner but no longer resides with me. I called GM headquarters to confirm if I was eligible for the rebate and after being put on hold, a customer service agent told me I was. The dealer also looked at the letter and said I was eligible and that he would honour it. So I went ahead with the deal. Today I get a phone call from my salesperson saying I "owe them $1000 because I am not eligible for the loyalty rebate". Naturally, I was shocked and explained to him to take it up with GM customer service and the agent who's name and ext. number was duly noted on my letter. I explained that if I needed to pay another $1000 I would never had bought the car in the first place. My question is can they demand an extra $1000 from me? Can they cancel the deal and make me return my car? It was paid for in cash, is insured, plated and registered in my name since July 30th.

Thank You

I had recently purchased an acura from this guy. He bought it from the dealer who bought the car from an auction in America. I went to the MVA several times to get a temporary tag in order to get my car inspected, but each time I was told to fill out the title papers over and over again in different ways. When I had passed through everything the supervisor of the MVA told me that the dealer was from British Columbia and he could not just sell me the car. When I spoke with the dealer he told me that he before he bought the car he asked if he was able to sell cars to people in America and the person he asked said yes. He then sold the car to this canadian guy who then sold it to me because he was not able to transfer it to Canda and because they both could not make a title. The dealer said that shortly after he had bought the car that the law in Canda changed and hence he was not allowed to ship the car over. The MVA says I need to get my money back and run but everytime I speak to the dealer and the previous buyer they said that the MVA is lying and they have can back up what they say is true. I am not sure of what to do can you please help me? I want to know if there is anyway for me to get title in the car.

We bought a car over 4 years ago. The company has since closed with only an 800 number. We want to get rid of the car, but when I went to get the title, there is still a lean on the vehicle and we can't contact them about it, because they have been out of business for over 2 years. The DMV said they can't issue me one because of that, and that I need to go back to the dealer (which no longer exists) to get one. Btw, the car is paid for.

What can we do?

My husband and I purchased a new car (2009 Saturn) on Aug 6. Our credit is great and we qualified for 0% interest. The car's invoice had a package on it that was not present on the vehicle and the dealer told me I would need to bring the car in to have the package installed on it. I drove the car for the rest of the week and was called on the phone when to bring the car in. I took the car in and the dealership had it for about 3-4 days installng the package, repairing a little dent on the pasenger door that was there when we purchased it and detailing it. When we went to pick up the car, the manager said "you know about the knick in the paint on the drivers side, right?" My husband and I said..NO ABSOLUTLEY NOT!! It was not there when we dropped it off. It was about a 1/4 of an inch by 1/4 of an inch in the white diamond paint!!!! I was sick and said..you will have to fix that. The manager said he had a man in the DFW area that could repair it and I wouldnt even tell it was there but he would have to schedule it and I would have to bring the car back in. So, I drove the car another few days and he called and took the auto in. They had the car for another 3-4 day and we went to pick it up. Two WHOLE doors had been painted with very poor workmanship and the color was off!..We told the manager that it was totally unacceptable and after a lengthy discussion, he said he would send the car out to have the doors redone. The car this time is kept in the shop from July 25 - Aug 4. We went to see the car and it was better than the last paint job, but we had found out where the car was sent to be painted and did research on the painting process. Talked to the Service King company who explained that the paint wouldnt be cured for 90 days. Had been baked at 180 degrees for 1 hour. Factory paint is baked on at 400 degrees for an hour +. There were bumps in places in the paint and rather than being sleek , smooth and shiny, the doors looked like orange peel, overspray everywhere, paint in the interior of the door, rough edges along the side of the doors. At this point we are totally disgusted with the whole situation. We are paying top dollar for a now "used" car. We want to negate the whole deal since i have had my car 8 days to drive, their employees caused the chip, their painters messed up the paint job, and then the paint company further damaged the doors with their paint job. What recourse do we have... now as is, it is a used car but it was not our fault the dealership damaged it . I am ready to cancel the whole thing and start over at a more competent dealership. Oh by the way, my husband works for GM. The manager is telling us we can "trade" the car for another SATURN but we get the impression he thinks that we wont get full credit for what we paid for the car. He has been looking for a car similiar to what we bought since Tuesday and still no word today. HELP!
We are getting ready to call the Saturn Assistance Depaartment in Tennessee tomorrow to see if we can get any relief.

Hi,
I purchased a vehicle from a buy here pay here company 6months ago. I was told 3 weeks after I purchased that they couldnt get my tags because my license was suspended. The dealership told me that they would give me 5day tags every week until I was able to get my license back. I later found out that I wasnt able to get my license back for 90days. The dealership called me 1 month later saying they fired the finance manager and they will no longer be able to give me any kind of temp. tags but I could keep the vehicle and make the payments. They also have a repo gps device on the vehicle and if I default on payments they're able to have the vehicle not start, which they give me a code each month I make a payment. Four months passed and they called me saying my insurance is cancel due to my license being suspended and that I have 48hrs to get insurance or they will repo the vehicle. I advised them that according to virginia state laws if a vehicle is not able to be titled within a 30day period then contract can be void and all monies paid would be given back. I just made my payment about 2wks ago and now they wont give me a code to start vehicle and threatening to repo. I tried to talk this out with the dealership but since I brought up consulting with an attorney they wont return my calls. I feel this is wrong because I put $3000 down and have been making my payments on time for 6months and now they're trying to take the vehicle from me when they should have never let me keep it after they found out they couldnt title the vehicle or get tags for me. I feel that I should at least get some if not all of my money back because they knew all along that I couldnt keep insurance because my license is suspended and I am thinking they're trying to repo the vehicle to get out of hot water with the dealership board. Can someone please help me and give me advice on what I should do at this point?!?!?...Thanks

Dear Chris,

I have a real problem on my hands and I don't know what to do! On June 25th I purchased a 2007 Toyota Avalon from Koons Used Care Outlet in Baltimore, MD with approx 41,000 miles for around $22,000.00 and was supplied a clean carfax report. This Koons is a major car dealership in our area with commericials on TV. The main reason I purchased this car was because of the on board navigation system. The dealer also provided the Kelly blue book value and the purchase price was under the price of the blue book value ( I thought it was a good deal) The disc was not with the car when I got it and the dealer said they had one on order. Well long story short it took 5 disc tries and over a month for us to get the right navi disc. While waiting for the correct disc to arrive first, on july 21st I heard some ticking sounds from the engine and found that no oil in the car so I had to purchase oil and put it in the car. I called the dealership and complained about that issue and they told me to bring the car in and they would find out why no oil was in the car. The service manager said every car they sell goes through a 126 point inspection before they put it on the lot for sale. Well, at this point I was dealer shy and didnt know if I could even trusted them to find the cause. Letting the car sit and not driving it, a few days later major storm came through my area and a tree fell and hit the car -I haven't even made the first payment yet). I told the dealership about the tree hitting the car and let them know the car was in the bodyshop and when it was finished i was going to bring it in for the oil problem. They were nice and said when you get the car back bring it in and we will proceed with the oil problem at that point. I filed a claim with my insurance company and they are covering the tree damage, while in the body shop I was just told yesterday by the claims adjustor and the bodyshop that this car has had major body work (with poor workmanship) and almost every panel has been worked on-some areas have been repaired at least 3 times over! Of course I had no idea that this car had any repairs on it at all because of them giving us the carfax report showing nothing! My concern now is that I have financed this car in good faith that it was a clean car with no hiden damage and it's value being priced correctly. Now that the damage is exposed and the value of this car has dropped considerably and feeling like this car is a lemon-what can I do about it? Is there any type of action I can take aginst the dealership who sold me this car? Can I get them to reprice this car at its appro value? Can I make them take this car back? Can I do anything about it?

I'm at a loss and don't know what actions to take at this point, please help!

Sincerely,

Lemon owner

im trying to buy a used car but the dealership told me to lie at the bank and say that i gave more down than what i actually am and that i make more than what i actually do. Is this normal? im only giving 1000 down and they told me to say im giving 4500 down.