I just bought a car. I was told that the bank was asking for 1,200 for a down payment. I gave 200 and promised the remaining 1,000 in 2 weeks. I signed the contract took off with my new used car. The next day the dealership called me to let me know the bank was going to call me. They repeatedly told me to tell the bank, I gave 800 down in cash. Where are the other $400 going? If I'm going to lie about $800, why not lie about $1,200 given in cash?
Do not take any more calls from dealwr. Document the request to lie in writing. Do not lie to lender. That would be bank fraud. Make sure all communications with dealer, going forward, are in writing..
This may be a deferred down payment issue meaning on your contract the dealer listed the down payment being received all in one day which makes you a more attractive candidate for financing when in fact the true story is you only had $200 on day 1 and were going to pay the dealer the remaining at a later date. These multiple payments must be clearly disclosed in your contract. If you want to get out of this contract and return the vehicle give an auto fraud attorney a call and they may be able to pursue a case on your behalf especially if there are additional violations.
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Do not lie to the bank. Period. That could make you a participant in a federal crime.
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