What rights a buyer and seller/servicer have depend on the verifiable agreements that were made. When a buyer does not insist on a signed, written contract BEFORE giving money to a seller/servicer, the buyer completely carries the burden to prove that there was a contract, that terms were agreed to, and that the seller/servicer breached the agreement.
Generally, he said/he saids do not carry the day. Nevertheless, there are good Consumer Rights Attorneys who can give you advice based on the facts of your matter and determine what rights you have, if any.
Disclaimer: Nothing stated herein is legal advice. For legal advice, consult an attorney; I am not your attorney at this time. This response may constitute ATTORNEY ADVERTISING which has not been approved by the Supreme Courts of New Jersey or Pennsylvania or the Court of Appeals of Maryland. I am a federally-designated “debt relief agency” that provides, where appropriate, relief under the U.S. Bankruptcy Code.