The issue does not appear to be with the credit company but with the dealer.

See a consumer rights attorney as you may have a strong lawsuit.

They can only make changes that are authorized under the written contract.

You have to pay. You will have a lawsuit against him but it sounds as if it will be a long time for him to pay. Keep in mind there are strict...

He can not take ownership of the car and would have to go back to court.

Put your demand in writing and serve by fax and or certified mail.

If you did not get money, services or goods, and you did not sign an agreement, you have a complete defense and the case is frivolous.

In most states the statute of limitations does not begin to run as long as the attorney continues representing you on the same matter.

You can get your money back and or file a lawsuit. It might also be fraud.

No they cannot. Once the case is decided on its merits and you won, no further collection actions can be taken.