Up late, watching this guy, learning something new every night, SPOT ON! I really needed information on these formats that i can understand, love the breakdown!.😮
@@ElWisdom Same !!!!! There's a bunch of old videos from 20 years now that are being leaked out & TH-cam is trying there best to hid it & keep you busy with there propaganda agenda bs unplug from the matrix 🤙
Bc the finance charge is the sum of all charges that are charged to you by the Creditor aka financing bank not the dealer. And the finance charge is interest hence the APR being the percentage rate of interest and the finance charge being that rate of interest as a dollar amount.
Thank you so much my son is about to purchase a SUV and they want him to put down 5,000 I told him that was ridiculous I really got upset and it's a 17% financed interest thank you for this information again and I hope my son watch your video.
The dealership already got me with credit Acceptance of a 50k loan for a car that was advertised for 18k. I was told to sign to run my credit through a bank for the 18k car price loan. They did. Then up the price on the car to 27k and run my credit through credit Acceptance Without my consent. Isn’t that illegal?. It should be!!!
I you where approved after filing out your application which is a prommisory note ask the lender or bank if their books balanced if they say yes that means there is no balance Your SSN is a card not an ID You are the original creditor meaning your SSN is a credit card
What does 15 USC 1611 mean??..there are videos posted stating that anyone with a s.s. number has 5,000,000 worth of credit and can't be denied any type of loans.....
We handle Maryland cases, sometimes if a transaction occurs outside of Maryland but has a connection to Maryland we are able to take that case as well.
@@WhitneyLLP I’ve actually been doing my own research and it also states that no creditor shall discriminate or deny any creditworthy applicant requested credit applied for. Meaning it’s actually illegal for a creditor to even deny you because every one is actually a credit worthy applicant am I rite ?
How do I go in car is 42k run me for financing it ends up being 52k I put a down payment of cash which should had brought it to 39k. How did it end up being 78k?
I purchased a egosport car from griffin ford in Tifton ,ga after purchase after the purchase .I found out the car had been discontinued so I took the car back but the dealer told me that o sign the contract they can not take the car back so the same day I why this interest rate high the dealer stated because of your credit I’m like I don’t have bad credit. And also notice the dealer increase my income so but still refuse to take the car back and cancel the contract. This a 14,00 thousand dolly car costing well over the market price .
I'm currently suing a car dealership Pro Se. I really need help with my case. However, so far, I'm keeping the case filing within the law. I'm seeking $50,000.00 compensatory damages, loss of income $115,000.00 and $465,000 punitive damages. Also, we pray for other cost as the court may find including class action. Comments please...
Contact an attorney? Credit acceptance is someone’s second to last option before going to a buy here pay here. They’re not contacting poop. Unfortunately. Imagine a dealership that’s expected to profit $2,000 and the lender charges a $2,500 fee. LOL no point in selling the vehicle. “Mr. Customer, you need $10,000 down for this $20,000 vehicle. Mr.customer: oh no that’s waaay too much, I was thinking $4,000. Can you work some magic? What do you expect these dealerships to do? At some point people have to do their due diligence. No one gives a f#% when a millionaire goes bankrupt after being unable to afford their multi million dollar car collection and house due to poor financial decisions. But it’s the end of the world when the average Joe fails to pay their car note with a 21% interest rate. Mind you, a terrible interest rate because they have a bad credit history. What happens when you have low credit? Lenders look at you as a risky investment. Why? Because statistically speaking people with lower scores default on their payments more often. It’s a never ending cycle until the borrower realizes they’re the problem and the the (system)
Okay I bought a 2022 Mitsubishi Outlander Sport because of my credit score I'm paying close to $800 is that illegal for a 2022 Mitsubishi Mirage Outlander Sport
I need the help really bad like literally in 2016 I went to the dealership in-house finance and went and got me a 2008 Chrysler 300 for 16000 dollars I paid over 10,000 and 30 days later it got repoed how the job slow down but within that week after that repo we had a disaster across state of Texas by Hurricane Harvey the state was under emergency so I never got notified no letter no nothing the car got flooded and they put put it on my credit report😡 That's when I called and they told me that their insurance pay for it!! I believe I got robbed
Can you tell me what a re-assignment of contract auto loan is ? now the finance company is telling me to pay my car notes to the dealer after seven months of the contract I’m on time with my payments I’m a little confused on why they are breaking contract ?
I went to look at Chinese motorcycles I was not planning on buying the guy said which one do you like let me run your credit long story short he called me saying I got approved he sold me the bike via phone we shook at 1300 he signed me up for weekly payments of 56.43 us dlls it took me 24 payments to realized that I was getting charged weekly it’s been 24 weeks of 56.43 payments which = to 1354.32 I called and they say I still got to make 24 more payments to finish paying it up , or we could settle for 1600 extra on top of what I already paid . Out of the 56.43 only 2 dlls are going into the principal payment lowering 2 dlls a payment I really want to be out of this corrupted financing shit. The motorcycle had gas leaks and was assembled like shit from the get go … Don’t really don’t want to mess my credit up but I also want out of this shit ?
could I ask how would I know which banks to call & speak to? & I heard trying to speak to an underwriter of a bank is hard to pull off how could this be done thank you @@TIANAIZANA
Daniel A. Schlanger, Schlanger Law Group, LLP, 333 Fairview Ave, Westwood, NJ 07675, 212.500.6114, intake@consumerprotection.net; dschlanger@consumerprotection.net, or, Law Office of David C. Ricci, LLC 51 JFK Parkway, First Floor West Short Hills, NJ 07078 Cell: 908-507-9601 Phone: 973-218-2627 Fax: 973-206-6955 Email: dricci@NJConsumerLawyer.com www.NJConsumerLawyer.com"
I live in Michigan went to a dealership and financed a car through credit acceptance 2017 Nissan Versa se blue booked at 11k dealer paperwork says 14k but if you add my payments through credit acceptance I’m paying 27k or more is this illegal? If so do you know a good lawyer in Michigan by chance I could get into contact with.
My statement doesn’t show that I am paying “finance charge” but my paperwork does. The statement says I have only paid 6700.00 on my vehicle but I have actually paid 17,688.00 I have never seen a auto statement without a breakdown of what has been paid in principle and what has bwen been paid in interest
I bought my first vehicle, a Toyota Camry in 2007. What I bought was a grey car which was advertised for $19000. They gave me a discount and said the car was $17000. I put $2000. A week later I got a blue Toyota Camry. They called me to pick it up at night. In the morning I realized there were 2 dents in it on the passenger door and they were painted over. I took the car back. For 3 days I sat at the dealership( Boch Toyota) and couldn’t see or speak to anyone. They just kept me fed. I finally gave up. The car ended up with many problems, every time it rained, my car got wet underneath the front seats and part of the back seat. It was strange. They gave me a 10% interest rate and I ended up paying $34,000 for the car. If I decided to pursue this, is there a statutory time limit?
Question...Being that I didn't know this information, can I sue the finance company after I've paid off or the cars dealership? Am I entitled to money back?
Credit, income and down payment, and co-signer if any, will usually determine how much you can borrow and at what interest rate. However, dealers will often try to steer people with lower credit to cars that are the most profitable for them to sell, instead of what the buyer wants.
Dont need a lawyer learn USC consumer law. Then create your own violation letters if you need any other steps. Stand on your square and fight. You have rights as a consumer
I have a weird issue with credit acceptance and the used dealer I got scammed by where I bought ( I believed I bought ) a black 2005 Hyundai Santa Fe that was beautiful for 6200 and had 100k miles after 2 weeks of trying to find a car to finish moving to my new house and employment 20 miles up a mountain dirt road and after several stop ins by my house I pulled in with 48 hours to move and no car to keep my new job off grid and after a. DAY of. Getting everything verified with income employment and down payment made of 1200 I was all set approved for my loan and all T s crosse and Is doted She( the dealer/ owner who I got sucked in by ) says all done now before I can give you the keys I need one more thing ..She says I need a copy of your rental agreement .and I had already given her the new one and let her verify my employment and move in date in the office. I responded with BUT YOU HAVE THAT ALREADY and I was told no I need your old aggrembt for the house your moving from for your file . I SHOULD HAVE KNOWN THERE I WAS BEING SET UP FOR BAIT AND SWITCH . And sure enough here I am at 5 pm Friday with her copy in hand and got dropped off to take possession of the 6200 BLACK SANTA FE but I look and it's GONE and she says OH IM SORRY ,but while I was gone ( all of 30 minutes tops ) someone came in with cash and bought it ! Oops .I was SO STUNNED it felt like I had been SHOT my heart stopped What do you mean you sold my car IT WAS MY CAR WE JUST SIGNED LOAN DOCS AND YOU WERE GONNA GIVE ME MY KEYS AND NOW I HAVE 48 hours to finish moving and No car ? Not ok where's my car your joking right ? And my pristebe beautiful car I just signed loan docs on made down payment spent 6 hours with her verifying downloading my accounts statements references everything was DONE LOAN APPROVDED and now she has no other car and offers me my down payment back I literally started to cry HOW CAN YIU JUST SELL MY CAR OUT FROM UNDER ME I SIGNED A CONTRACT FOR R IT and you KNEW ID VE RUGHT Back. And she says sorry nothing else In your price range and I. Stood there tears rolling down face and turned to walk home ( a mile up road ) and she's well now wIt a minute maybe I have something. Hold up and she tells her detailing girl to go get a car and she pulls out this other Santa Fe same year same model but Hideously Dirty Needed a jump no brake lights and a dent on one side I said eww It's baby shit brown and she says well I know it's not the other one but if you want this one you can have for 4200 not 6200 and you don't have to decide now you can take over the weekend and finish moving well working out Monday . I was desperate and agreed RELINCTENTKY after she assured me not to worry she has her family waiting and if don't want it I can bring it back Monday and that SHES GOT MY BACK ! I felt it like an idiot, drove it home and. Looked it over and it was way worse than I feared it was SO GROSS INSIDE and had no ac ( my top priority because it's the desert and I rescue dogs too ) the fold in back seat was soaked in dry baby po that had 3 inches tall hair growing out of it and when I backed it up to load it and shut it off to check fluids and inspect fir leajs etc I notice there are no brake lights it we t CLUNK like I had been hit in reverse and I tried to turn it on to drive it right back to the dealer but her mom answers phone and tells me she's left FOR RENO and won't be home for 4 days call on weds. I felt SICK LIKE PUKING I was so upset soiwe t inside and wrote an email after I calmed down to gave a documented timestamped communication of my outrage and Alot of good it did because it ended up I kept getting gas lighted and broken promise after broken promise from the dealer and finance company who never attempted to resolve the issue and had the loan docs for the black car but had I not been u der duress I would have noticed that she filled in the vin number to the brown car before she ever brought out knowing it was not the vin number to the black beautiful one I signed docs to buy and did t get back .when I finally got a copy of the docs they were for 6200 and a brown car with 120k miles and my dog atirr was missing and had an electronic c one and it was in Spanish and that's when I knew SHE AAW ME COMING and I really thought I was being careful . So now I have fought tooth and nail for a car that was never worth 1200 in the condition it was I had no sticker price no ac was a bio hazard had a control arm box in back needed a jump star every damn time until I did finally force her to buy me a new battery after 30 days and more empty broken promises until I finally lose my job over the car being broke down all the time where aaa won't even go . Finance company could t care less even promised to put me in a better car after a few on time payments and here I am in July 2022 5 yrs after I stopped paying them faithfully for the car because I was now homeless and broke down and could t smog it because the catalytic converter melted the first 1000 miles on a rescue trip to La . I've literally rebuilt every part from the tires up with the exception of the transmission and rings and pistons or head gaskets I PUT 30K MILES ON A CAR I HAD TO REBUILD FR TIRED UP AND CANT SMOG and credit acceptance wants me to pay them 7k on top of what I already paid and for a car I I had to restore the suspension timing belt radiator 3 alternators rack n pinion axle cv axles tuneup s oil changes tires brakes fuel pumps 1000 JUST TO FIX TIMING from a misaligned alternator job that chewed my water pump and timing belt I spent 1400 on repairing AC and only technically if they had not been so shady I should owe them 1300 and the loan was supposed to be 4200 -1200 down not 6200 -1200 down with 160 a month payments for 30 months which after finance charges would have come to 4800 ish but now the car sub frame is unsafe because of are all on models in states that snow ( like California sieras where I lived in Twain harte IT SNOWS EVERY WINTER but now I'm just SOL NO WAY TO SUR DEALER SHE WE T OUT OF BUSINESS AND CREDIT ACCEPTANCE IS SHADY AS ?!:" HELP
Wow a lawyer giving out advice for free this guy is a good man
If any party is tricked into a contract by another party that is fraud and null and void and there's no statue of limitations for that
For arbitration
Up late, watching this guy, learning something new every night, SPOT ON! I really needed information on these formats that i can understand, love the breakdown!.😮
My booyyy Please keep posting your killing it with these uploads !🔥🔥🔥 TH-cam keeps trying to take down this type of information !!!
Ikr part one froze up on me with the time still running they dont want the matrix to fall
@@ElWisdom Same !!!!! There's a bunch of old videos from 20 years now that are being leaked out & TH-cam is trying there best to hid it & keep you busy with there propaganda agenda bs unplug from the matrix 🤙
@@ElWisdom i thought it only paused for me the government something bruh
We need more lawyers like you. We have been dealing with this since December no one is helping us in Illinois
God, I'm confused.....im in a credit acceptance mess right now.
If the finance charge is the sum of all charges in a dollar amount how come the total of payments aren’t equal to the finance charge???
Right triksters bro!
Bc the finance charge is the sum of all charges that are charged to you by the Creditor aka financing bank not the dealer. And the finance charge is interest hence the APR being the percentage rate of interest and the finance charge being that rate of interest as a dollar amount.
Thank you so much my son is about to purchase a SUV and they want him to put down 5,000 I told him that was ridiculous I really got upset and it's a 17% financed interest thank you for this information again and I hope my son watch your video.
Look at what the state allows om car finance charges- interest rate Ohio is 8% I'm being charged 22.99% thru Credit Acceptance
Excellent content. Thank you for this information.
Thank you.
The dealership already got me with credit Acceptance of a 50k loan for a car that was advertised for 18k.
I was told to sign to run my credit through a bank for the 18k car price loan. They did. Then up the price on the car to 27k and run my credit through credit Acceptance Without my consent. Isn’t that illegal?. It should be!!!
It is illegal for them to run your credit without your written consent.
This happened to me recently. Just a month ago. Also have no idea where my 2k down payment went? Listed price + 1k is still what I owe the lender.
I you where approved after filing out your application which is a prommisory note ask the lender or bank if their books balanced if they say yes that means there is no balance
Your SSN is a card not an ID
You are the original creditor meaning your SSN is a credit card
Thank you so much for fighting for us!
how do you know they added that to the contract ? because i believe highly i got played
Great work !!
Thank you.
What does 15 USC 1611 mean??..there are videos posted stating that anyone with a s.s. number has 5,000,000 worth of credit and can't be denied any type of loans.....
what if i took the vehicle and want out ?
I neeed your help. You nailedddd THIS
I just contacted you all for a evaluation.
Look forward to hearing from you all
This info was really helpful!!! Thanks so much for sharing
Do you guys only operate in Maryland or do you often do consultations for cases in other states as well?
We handle Maryland cases, sometimes if a transaction occurs outside of Maryland but has a connection to Maryland we are able to take that case as well.
@@WhitneyLLP I’ve actually been doing my own research and it also states that no creditor shall discriminate or deny any creditworthy applicant requested credit applied for. Meaning it’s actually illegal for a creditor to even deny you because every one is actually a credit worthy applicant am I rite ?
What happens when they sell you a broke car knowing that have a lot of damages and up interest
Im trying to buy a car i notice a 1k service fee im pissed about that.
Way overcomplicated. Just pay cash, get a car you can afford
How do I go in car is 42k run me for financing it ends up being 52k I put a down payment of cash which should had brought it to 39k. How did it end up being 78k?
I'm on the same current boat as you. Did you ever figure this out?
Is it possible to get back illegal finance charges and down payments on a vehicle you've already traded in? TIA
My car price was $16,000 and with apr cost $41,198 😢😢😢😢 im stuck with this now i did not know about until i got the paper work on mail
I purchased a egosport car from griffin ford in Tifton ,ga after purchase after the purchase .I found out the car had been discontinued so I took the car back but the dealer told me that o sign the contract they can not take the car back so the same day I why this interest rate high the dealer stated because of your credit I’m like I don’t have bad credit. And also notice the dealer increase my income so but still refuse to take the car back and cancel the contract. This a 14,00 thousand dolly car costing well over the market price .
How do we get our titles after the lawsuit? My loan was in Illinois, it has been completely removed from my credit report and I still have my car.
They took 8k down payment from me and also put 12 hard enquiry on my credit report
You know how to handle that or nah?
I'm currently suing a car dealership Pro Se. I really need help with my case. However, so far, I'm keeping the case filing within the law. I'm seeking $50,000.00 compensatory damages, loss of income $115,000.00 and $465,000 punitive damages. Also, we pray for other cost as the court may find including class action. Comments please...
I need to know how this works in New York
Would that be the service fee?
Contact an attorney? Credit acceptance is someone’s second to last option before going to a buy here pay here. They’re not contacting poop. Unfortunately. Imagine a dealership that’s expected to profit $2,000 and the lender charges a $2,500 fee. LOL no point in selling the vehicle.
“Mr. Customer, you need $10,000 down for this $20,000 vehicle.
Mr.customer: oh no that’s waaay too much, I was thinking $4,000. Can you work some magic?
What do you expect these dealerships to do? At some point people have to do their due diligence. No one gives a f#% when a millionaire goes bankrupt after being unable to afford their multi million dollar car collection and house due to poor financial decisions. But it’s the end of the world when the average Joe fails to pay their car note with a 21% interest rate. Mind you, a terrible interest rate because they have a bad credit history.
What happens when you have low credit? Lenders look at you as a risky investment. Why? Because statistically speaking people with lower scores default on their payments more often. It’s a never ending cycle until the borrower realizes they’re the problem and the the (system)
Okay I bought a 2022 Mitsubishi Outlander Sport because of my credit score I'm paying close to $800 is that illegal for a 2022 Mitsubishi Mirage Outlander Sport
So what do I need to do? Because I dealt with credit Appearance back in 2011 on an 10k and I paid it off in march 2012.
What if I had the car for nearly 2 years?
could we sue the dealership for finessing us in to paying something they are supposed to pay our of their pocket??
Yes
what do you mean coming out of their pocket? could u explain I'm genuinely asking bc I'm confused thank you
Any lawyers in Houston can help me
They got me for $10,000.00 down. And the guy I was with insisted I put that much down. I suppose to keep me dependent on him.
You got played big time but you know there’s no statue of limitation on fraud
How do I get more information on this I have some issues wit my credit acceptance situation
I need the help really bad like literally in 2016 I went to the dealership in-house finance and went and got me a 2008 Chrysler 300 for 16000 dollars I paid over 10,000 and 30 days later it got repoed how the job slow down but within that week after that repo we had a disaster across state of Texas by Hurricane Harvey the state was under emergency so I never got notified no letter no nothing the car got flooded and they put put it on my credit report😡
That's when I called and they told me that their insurance pay for it!!
I believe I got robbed
Learn your consumer rights get then every time
What do I do to get out of my finance agreement
right to rescission
One rumor is that paying the amount owed will get you out of it
Hello sir, do you represent in all 50 state?
Can you tell me what a re-assignment of contract auto loan is ? now the finance company is telling me to pay my car notes to the dealer after seven months of the contract I’m on time with my payments I’m a little confused on why they are breaking contract ?
Best there game by making them fill out a 1099a Form 😂
I went to look at Chinese motorcycles I was not planning on buying the guy said which one do you like let me run your credit long story short he called me saying I got approved he sold me the bike via phone we shook at 1300 he signed me up for weekly payments of 56.43 us dlls it took me 24 payments to realized that I was getting charged weekly it’s been 24 weeks of 56.43 payments which = to 1354.32 I called and they say I still got to make 24 more payments to finish paying it up , or we could settle for 1600 extra on top of what I already paid . Out of the 56.43 only 2 dlls are going into the principal payment lowering 2 dlls a payment I really want to be out of this corrupted financing shit. The motorcycle had gas leaks and was assembled like shit from the get go … Don’t really don’t want to mess my credit up but I also want out of this shit ?
How do we get dealers to operate under TILA and USC Codes for NO down Payment. As a consumer extending your credit(signature)to the dealership?
go up there! You have to be in their face! you may have to call the banks and speak to the finance manager & possibly the underwriter!
Did you ever figure this out?
could I ask how would I know which banks to call & speak to? & I heard trying to speak to an underwriter of a bank is hard to pull off how could this be done thank you @@TIANAIZANA
Hey good info can you give referrals in NJ
Daniel A. Schlanger, Schlanger Law Group, LLP, 333 Fairview Ave, Westwood, NJ 07675, 212.500.6114, intake@consumerprotection.net; dschlanger@consumerprotection.net, or,
Law Office of David C. Ricci, LLC
51 JFK Parkway, First Floor West
Short Hills, NJ 07078
Cell: 908-507-9601
Phone: 973-218-2627
Fax: 973-206-6955
Email: dricci@NJConsumerLawyer.com
www.NJConsumerLawyer.com"
I live in Michigan went to a dealership and financed a car through credit acceptance 2017 Nissan Versa se blue booked at 11k dealer paperwork says 14k but if you add my payments through credit acceptance I’m paying 27k or more is this illegal? If so do you know a good lawyer in Michigan by chance I could get into contact with.
Call Steve Lehto.
Any lawyer in KY that deals with these kind of cases
do you know a good lawyer in nys syracuse@@WhitneyLLP
My statement doesn’t show that I am paying “finance charge” but my paperwork does. The statement says I have only paid 6700.00 on my vehicle but I have actually paid 17,688.00 I have never seen a auto statement without a breakdown of what has been paid in principle and what has bwen been paid in interest
Please help
I bought my first vehicle, a Toyota Camry in 2007. What I bought was a grey car which was advertised for $19000. They gave me a discount and said the car was $17000. I put $2000. A week later I got a blue Toyota Camry. They called me to pick it up at night. In the morning I realized there were 2 dents in it on the passenger door and they were painted over. I took the car back. For 3 days I sat at the dealership( Boch Toyota) and couldn’t see or speak to anyone. They just kept me fed. I finally gave up. The car ended up with many problems, every time it rained, my car got wet underneath the front seats and part of the back seat. It was strange. They gave me a 10% interest rate and I ended up paying $34,000 for the car. If I decided to pursue this, is there a statutory time limit?
Yes..look up right to rescind
Question...Being that I didn't know this information, can I sue the finance company after I've paid off or the cars dealership? Am I entitled to money back?
How can we contact you... I got a truck listed 7995. But pay off is 21500...
So does your credit really determine what type of vehicle you can get
Credit, income and down payment, and co-signer if any, will usually determine how much you can borrow and at what interest rate. However, dealers will often try to steer people with lower credit to cars that are the most profitable for them to sell, instead of what the buyer wants.
No your savings does. Pay cash for cars.
Dont need a lawyer learn USC consumer law. Then create your own violation letters if you need any other steps. Stand on your square and fight. You have rights as a consumer
I AM HAVING TROUBLE WITH THEM ARE YOU UP FOR HIGHER THEY DENIED MY RIGHTS TO RESIND
Who denied your rights to rescind?
I have a weird issue with credit acceptance and the used dealer I got scammed by where I bought ( I believed I bought ) a black 2005 Hyundai Santa Fe that was beautiful for 6200 and had 100k miles after 2 weeks of trying to find a car to finish moving to my new house and employment 20 miles up a mountain dirt road and after several stop ins by my house I pulled in with 48 hours to move and no car to keep my new job off grid and after a. DAY of. Getting everything verified with income employment and down payment made of 1200 I was all set approved for my loan and all T s crosse and Is doted She( the dealer/ owner who I got sucked in by ) says all done now before I can give you the keys I need one more thing ..She says I need a copy of your rental agreement .and I had already given her the new one and let her verify my employment and move in date in the office. I responded with BUT YOU HAVE THAT ALREADY and I was told no I need your old aggrembt for the house your moving from for your file . I SHOULD HAVE KNOWN THERE I WAS BEING SET UP FOR BAIT AND SWITCH . And sure enough here I am at 5 pm Friday with her copy in hand and got dropped off to take possession of the 6200 BLACK SANTA FE but I look and it's GONE and she says OH IM SORRY ,but while I was gone ( all of 30 minutes tops ) someone came in with cash and bought it ! Oops .I was SO STUNNED it felt like I had been SHOT my heart stopped What do you mean you sold my car IT WAS MY CAR WE JUST SIGNED LOAN DOCS AND YOU WERE GONNA GIVE ME MY KEYS AND NOW I HAVE 48 hours to finish moving and No car ? Not ok where's my car your joking right ? And my pristebe beautiful car I just signed loan docs on made down payment spent 6 hours with her verifying downloading my accounts statements references everything was DONE LOAN APPROVDED and now she has no other car and offers me my down payment back I literally started to cry HOW CAN YIU JUST SELL MY CAR OUT FROM UNDER ME I SIGNED A CONTRACT FOR
R IT and you KNEW ID VE RUGHT Back. And she says sorry nothing else In your price range and I. Stood there tears rolling down face and turned to walk home ( a mile up road ) and she's well now wIt a minute maybe I have something. Hold up and she tells her detailing girl to go get a car and she pulls out this other Santa Fe same year same model but Hideously Dirty Needed a jump no brake lights and a dent on one side I said eww It's baby shit brown and she says well I know it's not the other one but if you want this one you can have for 4200 not 6200 and you don't have to decide now you can take over the weekend and finish moving well working out Monday . I was desperate and agreed RELINCTENTKY after she assured me not to worry she has her family waiting and if don't want it I can bring it back Monday and that SHES GOT MY BACK ! I felt it like an idiot, drove it home and. Looked it over and it was way worse than I feared it was SO GROSS INSIDE and had no ac ( my top priority because it's the desert and I rescue dogs too ) the fold in back seat was soaked in dry baby po that had 3 inches tall hair growing out of it and when I backed it up to load it and shut it off to check fluids and inspect fir leajs etc I notice there are no brake lights it we t CLUNK like I had been hit in reverse and I tried to turn it on to drive it right back to the dealer but her mom answers phone and tells me she's left FOR RENO and won't be home for 4 days call on weds. I felt SICK LIKE PUKING I was so upset soiwe t inside and wrote an email after I calmed down to gave a documented timestamped communication of my outrage and Alot of good it did because it ended up I kept getting gas lighted and broken promise after broken promise from the dealer and finance company who never attempted to resolve the issue and had the loan docs for the black car but had I not been u der duress I would have noticed that she filled in the vin number to the brown car before she ever brought out knowing it was not the vin number to the black beautiful one I signed docs to buy and did t get back .when I finally got a copy of the docs they were for 6200 and a brown car with 120k miles and my dog atirr was missing and had an electronic c one and it was in Spanish and that's when I knew SHE AAW ME COMING and I really thought I was being careful .
So now I have fought tooth and nail for a car that was never worth 1200 in the condition it was I had no sticker price no ac was a bio hazard had a control arm box in back needed a jump star every damn time until I did finally force her to buy me a new battery after 30 days and more empty broken promises until I finally lose my job over the car being broke down all the time where aaa won't even go . Finance company could t care less even promised to put me in a better car after a few on time payments and here I am in July 2022 5 yrs after I stopped paying them faithfully for the car because I was now homeless and broke down and could t smog it because the catalytic converter melted the first 1000 miles on a rescue trip to La . I've literally rebuilt every part from the tires up with the exception of the transmission and rings and pistons or head gaskets I PUT 30K MILES ON A CAR I HAD TO REBUILD FR TIRED UP AND CANT SMOG and credit acceptance wants me to pay them 7k on top of what I already paid and for a car I I had to restore the suspension timing belt radiator 3 alternators rack n pinion axle cv axles tuneup s oil changes tires brakes fuel pumps 1000 JUST TO FIX TIMING from a misaligned alternator job that chewed my water pump and timing belt I spent 1400 on repairing AC and only technically if they had not been so shady I should owe them 1300 and the loan was supposed to be 4200 -1200 down not 6200 -1200 down with 160 a month payments for 30 months which after finance charges would have come to 4800 ish but now the car sub frame is unsafe because of are all on models in states that snow ( like California sieras where I lived in Twain harte IT SNOWS EVERY WINTER but now I'm just SOL
NO WAY TO SUR DEALER SHE WE T OUT OF BUSINESS AND CREDIT ACCEPTANCE IS SHADY AS ?!:"
HELP