Consumer Protection Law
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I put a 2000 dollar deposit down on an RV over the phone (credit card). I was told it was fully refundable until I signed the sales agreement at which point it would be nonrefundable. The dealer sent me the paperwork via email. He also applied for financing and I was approved. I changed my mind the day before I was scheduled to pick up the RV. I had not signed the contract so all our dealings up to that point had been verbal. He, of course, tried to convince me to buy the RV for about 20 minutes, when finally I said " I'm jus not going to purchase the vehicle, so what do you need from me?" He said he had prepped the unit and I offered to pay for the cost of doing this, which he said was not the issue. So, I then got a little concerned and asked "so you are not going to return my deposit?" He asked me to write a letter stating that I was no longer going to purchase the rv and sign, date, scan and send it to him via email, which I did adding a request for my deposit to be refunded.
I live in NH and the dealer is in NJ. Should I also send a hard copy of the letter via registered mail. How long should I wait to contact my credit card company if the credit doesn't show up?
When we were negotiating the price of the RV, I told him that I was going to get my own financing. He offered to apply through their bank- Bank of America - to get a better rate. I stated that I wanted to bring as little to the table as possible and he asked would you be willing to put 2000 dollars down, which I said yes, so he took my deposit by credit card. I was reluctant and he stated that the deposit was fully refundable until I signed the sales agreement, which I never did. When the contract came it had the 2000 listed as a downpayment. I don't know if this matters but I left the deposit on Saturday at 4 pm and the following Wednesday I called at 9am when they opened to say I would not be purchasing the unit, so there was only a three and a half day period. I also did not receive the contract until Monday afternoon. Do any of these facts change anything?
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