I purchased a car at the beginning of December last year. My signed a contract and promisary note for the down payment the night we took the car. When I went in to make the second payment on our arrangement for the down payment they had a second contract that they wanted signed and told me that they will require an additional $400 on the down payment. They said that they had to take my boyfriend off for a bank to do the loan. We paid the initial agreed down payment that we had agreed apon and started making our payments to the bank for our loan. A couple of weeks ago the car was repoed by the dealership. We were confused since we were current with the bank. When I talked to the bank they had no clue as to why my car was taken. They looked into it and threatened the dealership with legal action since they were not the legal lein holder for the car and had no right to take it. So the dealer paid the balance of the loan on the car. Now we are out the $600 we paid for the down payment and $600 we paid for the 2 months in loan payments. We also paid for 2 new tires and an alignment. So in total we are out about $1400 and the car. We would like to get our money back.
Often times, you will not be taken seriously until you retain a consumer protection litigator who can intervene on your behalf and may need to even file a lawsuit to protect your vital legal interests. I strongly urge you to immediately contact an attorney in your area who specializes in consumer rights litigation. Most will offer you a free initial consultation. Avvo is an excellent source for locating well-qualified attorneys in your area. Best wishes.
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