My purchase contract?
Not sure if this is the correct forum to post regarding the purchase contract on our o4 X3 but, Ive tried to resolve this when I first got the car with no luck. Its now over a year and I have to find out if I was ripped off as badly as I think i have been?
Does anyone know who I can talk to or show my paperwork to and get some answers?
One quick question: When you are on a dealers site looking at used cars online and you find one click on the picture etc. You make an inquiry on that car via email with flyer attached. Set up an appointment with salesman, arrive to meet the guy, see the actual email printed out on his little desk. If that car was listed at $13998, why on the sales contract why do I see "cash price of $15632? I called the manager and ask him why he charged us $15632. when he had it listed at $13998.? He says there are numerous reasons why the price would be higher, your credit bla bla. A bunch of BS is all he could come up with. I called the same dealership but on the other side of town and posed as someone interested in one of their cars, ask the same question, this guy said, you would get that car for that price that is listed, period. I knew it but they werent hearing me, Id call and they would just leave me on hold.
Why did he change the price? He also listed us as walk ins, we werent? They also set us up with a crooked insurance company as well. We purchased full coverage which debited 289.? buck straight out of my bank but on the contract doesnt show us having insurance. Then while husband was signing paperwork (I knew we were getting screwed) The salesman ignored me completely and kept saying just sign here John. Anyway, He tells us we have to buy GAP insurance, I said why? We went back and forth, nothing resolved. We get home and I start reading the contract, I see the $500 charge for the GAP. Call finance company and they acted like I was speaking in hebrew, didnt connect the dots. After hours back and forth again, I got no answers.
One last thing, somehow I ended up with the original quote that the lender faxed over to the dealership with all the details of the loan, on the very bottom I see this little note saying something about deferred payments, if this was the case, it had to be disclosed.
Well, Traded my car in + they wanted another $1500 = $2500 down. The $1500 was deferred but on the contract it shows we paid them a cash payment. The guy even tells Johnny, When the bank calls you and ask you about the down payment, tell them you put $1500 cash down. Sure enough, they called and ask and Johnny told them he had.
I have the paper where the salesman worked out the payments with dates on the back of that quote from the bank.
The worse part of all of this, my husband is paying 23% interest with a $545.00 monthly payment. IVE BEEN SICK SENSE HE DID IT. Kind of like the towing story! We had just got screwed on the PT Cruiser and needed a different car, so again, he signed without listening or reading sht. As usual I have to try and clean up the freaking mess every damn time.
Is there anything I can do. We have paid for over a year on that car only late once if that and the other day I looked at his credit report and it shows he owes almot 20k. OMG.ARE YOU KIDDING ME............. WTF
HELP ME PLEASE.
Last edited by leannaluv; 10-02-2012 at 11:00 AM.
Reason: added more to that "one quick question lol