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rodneykwalker | I have a serious problem on my hands! I had some money saved up and i went out to find me a used SUV? |
I set out to find a way to restablish my credit, and my girlfriend gave me 7 grand to put down on a used car. Now, by being so excited, i didnt care what happened, i just new i had cash and i found this offbrand dealer who said i was approved, and come bring in the money. I did, and i signed all the paperwork, but they didnt give it to me cause they sai they needed to be paidby the bank which was another 13 grand. They gave me my temp. registration, temp plate, and i got insurance. Now, its time for my first payment, and i dont have my real plates, and the girl said i gotta make my first payment to the dealership. What the hell? thatsnot going to help my credit. Now i feel if they didnt get the financing, thats there faught and i got a truck for 7 grand, but then again i dont have the title. What happens now? Can they repo? i thought banks only can repo? can they report it stolen? i didnt steal anything. Im not paying no note to them, and i dont want my money back. Please help! |
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duke
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First off did the dealership finance it or an outside lendor. So you are needing your license plates. They usually have a set number of days to get that to you. Did you pay for the plates. If you paid for the plates the dealer will get them for you. If they financed the car and you dont make a payment , yes they can repo it. Sorry that is the facts. And no you did not get the truck for 7 grand if you signed a contract it is legal and binding. You wont get the title till the car is fully paid for. Basically just go in their and ask them where your payments go . It could be the financing institution they use requires you to pay them. Do you know who the outside financing is. You need to know the name of the company and have all your paperwork ready. They might also be financinf it themselves. You should also ask if they report to credit bureaus or not. Some do and some dont, especially in the used car business. Hope this helps you. |
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nirpansey
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I was in sort of the same situation. When you were signing papers, did they ask you to sign a paper saying "if you aren't able to be financed, the dealership can charge you for rental car fees"? if you did, and they still havent found a financer for you, you might be a in big trouble. If you dont make the first payment, they can repo the car, dont make the mistake of getting the car repo'd bc that will definetly hurt your credit. About them not being able to find a financer, that shouldnt hurt your credit too much. You are between a rock and a hard place. Check to see if you can take the car back and get your money back. My best advice for you to go to the bank first to see if you can get financed. Take my word, dealerships lie through their teeth! They will lie on your application to do anything for you to get financed. Whatever you do, dont do any altercations to the car. They can go back and charge you or not give you the money for saying, getting the tint done or getting an alarm put on. Wait until you have metal plates. I hope this helps. Make sure to give your first payment. |
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Amanda H
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It can take a month or two to get your registration/plates.
Ask the dealership if they obtained financing for you. Some places keep working on it long after you took it home, hoping something will come through.
YOu need to know the terms though-- months, apr, etc.... you need to have a frank talk wtih the dealership.
It is possible they have 'in house' financing...thats fairly normal-- but see if you can't request to have it reported to the credit bureaus in an effort to help your credit score.
And yes, if they are the 'lien holder' AKA lender, they can repo the car for non-payment, same as a bank. Get your registration and see who is on the "registered" owner side and who is on the 'legal" owner side. . . Follow up immediately to find out where this registration is. If they haven't gotten you financing yet and they don't do in house financing, return the car and ask for your money back. |
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Tro K
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no they cant report it stolen as long as they gave you temporay plates, including some kind of paper proving it was sold to you.
This proof could be a simply bank statement showing your CC transaction.
how your loan of 13k, was im not sure i understand - but if you made the loan in your bank - its your responsibility the shop gets paid.
if they shop did set up the papers, im sure the shop will help you solving this matter - as they want their money.
finally make the payment if you reviced the note from the financing business - this would be proof. so if they asked for payment, they also accepted the loan, and you will get your org. plates. |
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Christian93
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I have never heard of such, but I am interested in the outcome of this.
It does sound a little fishy if you ask me. This might be something that this car dealer does to a lot of people. They may be making loads of money off of unsuspecting consumers. I would carefully read the contract again and see exactly what I signed. I would consider getting a lawyer, and I would definitely contact the local news. They will get answers for you.
In the meantime, I would make the required payment. After 3 consecutive months of missed payments, they can repo. Then you will have bad credit and be out the $7000 you put down. Make the payments, until you find out further. It would be better to be out a couple of payments, than letting the $7000 go down the drain. |
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CactusFlower
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I honestly can't even decipher what you are trying to say here ... but it sounds like you needed someone with a bit of an education when it comes to credit to help you out. Now you are likely sunk and if you don't make the payments you will lose the vehicle. These 'loan shark' car dealerships CAN carry your note, you do not have to get financed by a bank to experience a repo.
I think you are and your g/f are about to experience a very expensive lesson here.............
Your girlfriend is a total idiot for giving $7000 to someone she isn't even married to. |
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momof1qt
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First you need to call your bank or the lender for the car loan. You can also go to the DMV and they can tell you if the dealership sent any papers to them. Any business that has merchandise out there on a lean can repo it, not just a bank. If you have papers from the dealership stating you bought the car, then you're okay. If they didn't give you anything you signed (which you ALWAYS ask for) then you quite possibly are up a tree. Make the calls, maybe even call a lawyer, most will give you free advice. In the end, you may loose the SUV and still have to pay the money to the bank. |
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Q.S.G
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You need to take your temp registration along with your title/memorandum title to the BMV. A car dealership is not going to give you your "real plates". |
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IdiotWind
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I'm even more amazed than before, at the constant stupidity going on. |
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