Car Finacing Problems. Legal Guru's Step inside

[gtsiawd96]

I guess this question is more for someone in Car Sales. Hopefully someone can help me out.

Last Sat, I picked up a new car. I went just looking but got sucked into the car salesman lies and etc. I don't have great credit. I told him this right from the get go, what I would be able to put down as a deposit and that my credit was not great. He said no problem ran my credit check said I was approved but needed a good size deposit, more than I just told him. It was a stretch but I can do it. I told him I need to split the deposit into two separate payments over the course of 2 weeks. He said okay. We sign the papers, I give him the deposit checks and leave. After leaving the car is alright the payments are decent but I really think I should have just waited. Getting married in 5 months and want to move into PA, maybe waiting would have been a little better. But the paper work is done, or so I thought.

Two days go by he calls back and says I need to come back in immediately and sign some papers I missed and the payment per month has changed, its gone up. He wouldn't talk about it on the phone and was being short with me. I show up to the dealership, he sits me down tells me that my interest rate has gone up and we need to sign a new contract. I tell him I am not signing a new contract. No way, what the original contract states is all I am willing to go. After going back and forth for 10 minutes he calls the bank and they say okay keep the interest rate the same. But now he has really pissed me off. He says you need to sign another line on the original Finance Contract that you didn't sign the first time. Now I no longer want to give him the sale, he pissed me off, lied to me from the start payment are still higher than I wanted to go to begin with. I really think I should just hold off for a couple months until after I get married and move into PA hopefully to purchase another vehicle. I told him I am going to bring the car back since this contract is not finalized. But I don't know the exact law on this. Does anyone else. I told him I am not signing the contract and that I would go home think about it and come back. He never said signing this contract doesn't matter its still binding.

On the finance contract there are two places to sign one at the bottom and one in middle. I signed the bottom but never the middle. So is this Finance contract still Binding?? Can I return the car with no recourse its been 5 days? I know if i go in asking the dealership there just going to lie to me and tell me yes its binding.

Thanks for the help guys, I know I made some mistakes in this deal too, should have used my head a little more, but it happens. Just trying to find the best way to deal with this.