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Question by joe:
i need help i purchased a automobile and the loan didnt go through and now the dealerships trying to prorate me?!?!?
ok i went to a used automobile lot called automacks inc. in cocoa florida. i found this automobile on the web and liked what i saw and it was with in my price range. well the first week i had it the automobile overheated and i called the guy and he stated that he would fix it no problem. well i didnt really want to keep it because of this but i sighed the papers and on my contract i read that once it was sighed there was no grace period or cooling off period so the deal was done and i was willing to accept this and move forward. so i ended up missing two days of work for this because it was being fixed by his mechanic. it ended up being the thermostat which was not a problem i comprehend things happen. so to some things up after i got the automobile back it drove great its an 2003 cavilier by the way, so anyways i needed to come up with some paper work i needed my bank statement and to show him i had full coverage insurance on the automobile so a week later i took it to him and i guess he never submitted it to the lender at the time he recived the imformation so two weeks go by and in those two weeks i got laid off and the same day the finance company called to verify my employment there and they were informed i was laid off due to economical cut backs and the economy so i get a call the following day from the dealer saying the loan didnt go through and that he was going to try and get it to go through some how some way so the next day he calls me and states hey i got a friend thats willing to state i work for him so the loan could go through well i thought about it and im not going to commit fraud cause this guys itching to get a sell i told him no and he stated well were going to have to make something happen other wise hes got to take the automobile back. well i stated if you are taking the automobile back i want my 800 dollar down payment back and he starts going into this prorate garbage and i read my contract and it states nothing about that any where in any of the paper work so he stated something like “you act all huge and bad on the phone why dont you act like that in person?” i then replyed “you never speak the way you do unless its on the phone nither!” so i got mad and hung up the phone i called the lender and let them know what was going on and hes been reported for this issue and then i called automax the real one not this garbage auto place and i told them this story and they told me that im entitled for a full refund of my down payment by law. well im not sure about any of this and i need some help i really need a automobile and im stuck between a rock and a hard place so what do i do? thank you for dealing with this and sorry for any punctuation.
well the guy came at 3 o clock in the morning and took the automobile even before my posted date to pay for the automobile and i called him and he states that the automobile was repoed? i called the finance company and they stated the loan never went through so how does he repo a automobile before the payment date and that didnt even have a loan on it tell me that and hes got my tag and my children automobile seat my cds a bunch of stuff the police told me it was a civil matter and that im going to have to take him to court?!?

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