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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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I think im getting screwed in a car deal need advice
#21944270 - 07/14/15 10:19 PM (8 years, 6 months ago) |
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Im going to keep this short. I went to a dealership and traded in my old car(500$) for a newer car listed at 16,000. So they took the trade and wanted 500$ down also, seemed pretty decent. They kept telling me how great my credit was(i hardly have any credit at all) and that they were confident they would get me financing easily. Okay well they quoted me my monthly payments(380$mo). They also told me they were going to get me insurance for 160$mo(im on high risk insurance right now). This all sounded pretty decent to me so i said okay lets do it. I signed the papers and they let me take the vehicle without my loan even being approved yet??(this was odd) Well next day i find out my payments were gunna be 451$mo and my insurance was gunna be 360$mo!!! What the fuck!! Theyre also telling me i need a cosigner now or a bigger down payment, which i have neither. Guy that did my financing is falsly claiming that he informed me that my payment would be that high(which he did not for a fact do) So i have this vehicle that i legally own now due to the contract, but they lied to me about everything. They were scamming me since i arrived there.
Does anyone know is there any possible way to unwind this deal and get my trade in back and void the first down payment(it hasnt come out of my checking account) or did i just successfully get screwed over. The dealership is seriously crooked. Can i get out of it due to the fact that they made all those false claims before they really had my loan. Along witg the fact they let me take it before i was financed?? Ive only had it 2days now and i really want to get ridnof this thing and never fo back to that dealership again.
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ReposadoXochipilli
Here, there, inbetween



Registered: 08/30/05
Posts: 7,501
Loc: Sand and sunshine
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944279 - 07/14/15 10:21 PM (8 years, 6 months ago) |
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contact a lawyer or you are going to be stuck with what ya have now
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Shroomism
Space Travellin



Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944286 - 07/14/15 10:22 PM (8 years, 6 months ago) |
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Did you sign a contract with the numbers they gave you before or the numbers you were given after? This is important. What he says he told you is irrelevant.. what does it say on the contract?
They are called stealerships for a reason.
It would have been better to sell your car privately you would have gotten more for it. And if you are going to go to a dealership you need to do your research first and never accept their first offer. Only pay invoice price for it. It sounds like you got screwed but more details are required
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: Shroomism]
#21944322 - 07/14/15 10:30 PM (8 years, 6 months ago) |
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Well i mean wouldnt i just have to take it back if they dont get me financing?? I cant make another payment and dont have a cosigner. They dont do a very good job of communicating. I had someone with me that witnessed it i may have to get a layer. There was also a crack in the windshield which i pointed out to them, which they replied (huh thats weird i dont remember seeing that) righttttt...plus drivers window dont work so legally theyre supposed to fix shit like that and im pretty positive thats not going to happen.
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
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Re: I think im getting screwed in a car deal need advice [Re: Shroomism]
#21944332 - 07/14/15 10:33 PM (8 years, 6 months ago) |
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Yeah i know i wanted to sell it but didnt have any luck, and these guys fot me excited by telling me they could get me financing. I had been declined three other times at different places so i thought id see what they had.
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All We Perceive
Sea Cucumber



Registered: 09/24/07
Posts: 10,491
Last seen: 7 months, 5 days
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944338 - 07/14/15 10:33 PM (8 years, 6 months ago) |
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Hmmmmm, my monthly payment is $319 on a new subaru outback that was like 28k out the door. Something sounds amiss here. Did you actually read the contract before you signed it?
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"plus they atually think jambands are good or sumthing, so they clearly know absolutely nothing about music, clearly lol" -Bassfreak
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All We Perceive
Sea Cucumber



Registered: 09/24/07
Posts: 10,491
Last seen: 7 months, 5 days
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Re: I think im getting screwed in a car deal need advice [Re: All We Perceive]
#21944341 - 07/14/15 10:34 PM (8 years, 6 months ago) |
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Although I did put down like 8k now that I think about it. Dunno dude haha. If the numbers they quote are in the contract you signed, you're probably hosed.
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"plus they atually think jambands are good or sumthing, so they clearly know absolutely nothing about music, clearly lol" -Bassfreak
Edited by All We Perceive (07/14/15 10:34 PM)
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Shroomism
Space Travellin



Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944351 - 07/14/15 10:36 PM (8 years, 6 months ago) |
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Typically if you sign something that answer is no, but you could try. At best they may take the car back but still cost you a chunk of money. It depends on the contract you signed and the dealership. but you might be screwed.
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Shroomslip
Architekt



Registered: 11/25/12
Posts: 23,651
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944362 - 07/14/15 10:39 PM (8 years, 6 months ago) |
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It all depends on what's in the contract.
Honestly, I'd take the contract and go to a lawyer, most will give free consultations, and he can tell you if you're just screwed or if you have a case against them.
Also if the contract says "as is", they are not legally required to fix the window.
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With my face against the floor I can’t see who knocked me out of the way. I don’t want to get back up but I have to so it might as well be today. Nothing appeals to me no one feels like me, I’m too busy being calm to disappear. I’m in no shape to be alone contrary to the shit that you might hear. You can't wake up, this is not a dream. You're part of a machine, you are not a human being With your face all made up, living on a screen. Low on self esteem, so you run on gasoline
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Ahab McBathsalts
OTD Windmill Administrator




Registered: 11/25/02
Posts: 35,109
Loc: Wind Turbine, AB
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Re: I think im getting screwed in a car deal need advice [Re: All We Perceive]
#21944386 - 07/14/15 10:44 PM (8 years, 6 months ago) |
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Quote:
All We Perceive said: Hmmmmm, my monthly payment is $319 on a new subaru outback that was like 28k out the door.
Depends on the length of the term.
Amount = Principle x (interest ^ term length)
a 24 month term will have much higher payments than a 84 month term.
OP sounds like you got screwed. Lawyer up and have your lawyer call the dealership, then return the thing.
-------------------- "Nobody exists on purpose. Nobody belongs anywhere. Everybody's going to die."
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rackem



Registered: 11/27/09
Posts: 14,024
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21944411 - 07/14/15 10:50 PM (8 years, 6 months ago) |
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in my experience, if you cant get to the larger down or a cosigner we typically state this as the loan fell through and the dealership would take the vehicle back. (this is my experience in the stealership world)
They wont really screw you because without a loan they dont get paid either. so if they wont take the car back they are fuckin tards and when you do go back to drop the car off, talk to everybody on the damn todem pole all the way up until they take the vehicle back
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qman
Stranger

Registered: 12/06/06
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Re: I think im getting screwed in a car deal need advice [Re: Ahab McBathsalts]
#21944412 - 07/14/15 10:50 PM (8 years, 6 months ago) |
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Drive the car back to the place and give them the keys and tell them to go fuck themselves. They can't get blood from a stone.
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: qman]
#21946488 - 07/15/15 09:16 AM (8 years, 6 months ago) |
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Yeah they wont answer any of my questions other than with (dont worry we got it were working on it). Im going to drive it back and make a scene about it. Surely theyll take it that way just to get rid of me, cus im pissed. And well some of the fault is on me because i didnt read the papers carefully enough but just the fact they knew they were fucking me over while the guy gets all defensive saying (im here to work for you man calm down) bull shit. It does state in there the payment, but if he was trying to help me that would have been a nice thing to point out. Plus they charged me a warranty that i didnt agree to.
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21946636 - 07/15/15 10:13 AM (8 years, 6 months ago) |
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Quote:
Mr. Magic said: They also told me they were going to get me insurance for 160$mo
that's where your big fucking came from, car dealers arent insurance agents, your insurance will last 6 months and you'll be paying them what ever you're getting fucked for for the duration of your loan even if your rates drop because offenses drop off your license
check your contract to see if it says a set rate of $160/mo, if it does then you have some recourse
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
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Loc: Pvt. Pubfag NutSuck
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Re: I think im getting screwed in a car deal need advice [Re: Shroomism]
#21946668 - 07/15/15 10:24 AM (8 years, 6 months ago) |
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Quote:
Shroomism said:
They are called stealerships for a reason.
because people fuck themselves by jumping into what they think will be a deal without educating themselves or reading contracts first?
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21946672 - 07/15/15 10:25 AM (8 years, 6 months ago) |
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Quote:
Mr. Magic said: Plus they charged me a warranty that i didnt agree to.
if it's in the contract and you signed it then you agreed to it
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: Prisoner#1]
#21946877 - 07/15/15 11:25 AM (8 years, 6 months ago) |
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Its getting resolved i called again and told them and they didnt even argue. They cant get me a loan anyways so idk why they wouldnt take it back.
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21946885 - 07/15/15 11:27 AM (8 years, 6 months ago) |
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I think i got onto it fast enough cus if they would have got one approved then i would be screwed, but im not financed yet through anyone for it.
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21946891 - 07/15/15 11:29 AM (8 years, 6 months ago) |
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This will just be a lesson learned for me. It was my first time buying a car so i wasnt well educated on the matter. Thats why they knew they were going to take advantage of me from the get go. I should have paid better attention, but ill get out of it anyway.
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Herbologist
Grrratata



Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita
Last seen: 3 years, 1 month
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Re: I think im getting screwed in a car deal need advice [Re: Prisoner#1]
#21946906 - 07/15/15 11:34 AM (8 years, 6 months ago) |
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Quote:
Prisoner#1 said:
Quote:
Mr. Magic said: They also told me they were going to get me insurance for 160$mo
that's where your big fucking came from, car dealers arent insurance agents, your insurance will last 6 months and you'll be paying them what ever you're getting fucked for for the duration of your loan even if your rates drop because offenses drop off your license
check your contract to see if it says a set rate of $160/mo, if it does then you have some recourse
Yeah, Idk anything in regards to what kind of insurance they offered you but it could be shitty state minimums and basic coverage which would suck.
-------------------- Shroomery Law: Don't piss off the leftist mods & their friends!
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
Last seen: 1 year, 5 months
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Re: I think im getting screwed in a car deal need advice [Re: Herbologist]
#21948423 - 07/15/15 05:14 PM (8 years, 6 months ago) |
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He said he was from progressive and he was actually cool. That was supposedly with full coverage.
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Herbologist
Grrratata



Registered: 05/09/10
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Re: I think im getting screwed in a car deal need advice [Re: Mr. Magic]
#21948454 - 07/15/15 05:21 PM (8 years, 6 months ago) |
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What were your limits
-------------------- Shroomery Law: Don't piss off the leftist mods & their friends!
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Shroomism
Space Travellin



Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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Re: I think im getting screwed in a car deal need advice [Re: Prisoner#1]
#21948487 - 07/15/15 05:25 PM (8 years, 6 months ago) |
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Quote:
Prisoner#1 said:
Quote:
Shroomism said:
They are called stealerships for a reason.
because people fuck themselves by jumping into what they think will be a deal without educating themselves or reading contracts first?
Pretty much.
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metalfaith
Moron



Registered: 03/30/11
Posts: 1,842
Loc: FL
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Re: I think im getting screwed in a car deal need advice [Re: Shroomism]
#21948538 - 07/15/15 05:36 PM (8 years, 6 months ago) |
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This is hilarious. I used to work at a used car auto finance company so I used to see this all the time..
They didn't get word back that the loan was approved from the third party purchaser so they let you go because they got you to buy a car. Only to find out the third party wouldn't buy the contract under the terms of the contract. Which is why they said your payments are higher. You can legally keep that car if you want.. They can't do much about it, but you better make payments on time and make sure insurance is up or they will repo you instantly.
Or you can take it back.. But you better get that down payment back. Used car guys are scammers, so you'll have to be aggressive and threaten o call the cops immediately.
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Mr. Magic



Registered: 07/13/14
Posts: 1,951
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Re: I think im getting screwed in a car deal need advice [Re: metalfaith]
#21949338 - 07/15/15 08:56 PM (8 years, 6 months ago) |
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yeah im demanding my trade in and down payment back. I know they still have my old car cus its on their website. The listing of my old car just proves that they are scammers. They listed it at 2200$, and id never make anyone even pay 1000 for it. It has no air conditioning,driver door handle is broke, and it needs new spark plugs. They didnt disclose any of those facts. They listed it as if it was basically new. Id feel terribly sorry for the guy that got suckered into buying my old car if someone did, which i highly doubt once they saw it in person. The dealerships a joke, im going back tomorrow with the vehicle.
and actually i got it on a sunday when banks were closed, all they did was send in my info to a few banks and let me leave with the vehicle.
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Edited by Mr. Magic (07/15/15 08:58 PM)
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