My husband and I purchased 2 vehicles last month. We signed a sales contract with an estimated interest rate and payment as we were purchasing on a Friday evening and banks were closers. I was expecting a call on Monday to come in and sign new paperwork with updated terms as that was my experience when I bought my first vehicle. However, a couple of weeks later when my financing is finalized, I received a copy of a sales contract from the bank with a different interest rate and payment amount. This document had my signature on it, but I don’t understand how because I never returned to the dealership to sign a new contract and never received communication from the dealership that my financing and terms had changed.
I visited the dealership and was told I likely signed a blank sales contract that was filled in later with the actual terms of the financing. However they could not produce the original that I supposedly signed. Is there anything I can do about this?
Tough one. You signed the contract, they will claim you agreed to them filling in the terms. Your expectation of coming back to sign a new contract was unreasonable--if you were planning on signing a new contract, why sign the first one. So your case has some difficult issues.
But even before you get to address them--is the dealer in IL or IA, since you bought the cars in the Quad Cities. If in IA, then you should be talking to an IA lawyer.
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