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Fraud?
Back in August I traded a 2004 Hummer (H2) for a 2004 Dodge Ram Pickup. I was given three bills of sale all with different dollar amounts throughout the contract (I sighed all three) I also have three lein holder agreements each for the amounts shown on the bills of sale and all dated the same day. The three copies I have are not signed however, the finance company has one that is. I also signed two papers stating I would like Gap and an extended warranty. I recieved a lien holder one month after the purchase and was financed at 18%, yes, thats right 18%. Two lien holder agreements said 11% and one said 18% (you must read the fine print.) Of course the finance company took the one that said 18%. However, that particular lien holder agreement did not include the gap or the extended warranty that I signed up for (the other two did) so I did not recieve the service I requested. Basically it was the least amount of money borrowed at the highest interest rate. I was under the impression that I was signing one contract, not three. Sneaky, Sneaky. To me this seems a very suspicious practice. I would appreciate any insight or advice. No one I have talked to have heard of this before. I am interested to know if this is common practice.
Thank you for any input.
Graham