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This is a not uncommon occurrence, unfortunately.
They can cancel the deal but they have to give her car back as well as they money that she gave them as a down payment and they aren't allowed to keep any part of it for "rental" or "use".
Unfortunately, they don't do it willingly (usually) so she is going to have to take affirmative actions to handle this situation. That could include contacting the MO Attorney General's office and a private attorney. The AGs office may or may not get involved and if they do it will take forever for them to actually do anything. The lawyer will move faster but they will cost her some money up front although she can seek to recover that from the dealership.
Also, this is what is known as "spot delivery".
Also known as "yo yo financing" depending on the exact facts.
Are you there?
yes is there a time limit because all available cash was spent on down payment of car and what type of lawyer should we reach out too?
They are probably telling her now that she has to bring the car back and she is just out of luck as to her investment. There really is no specific time limit on it in MO. Some states, like CA, have specific laws stating that if a dealer does this then they have to assume the financing of the car but MO doesn't have those laws.
You will want to look for a lawyer that does Consumer Law or Civil Litigation. You can find one at www.lawyers.com.
That website lets you find lawyers by area of practice as well as location.
Do you know what the normal fee for this would be?
It should be very inexpensive for a letter or two, maybe $100-200 at the most.
Some lawyers won't even charge just for a letter or two.
As to what it will cost if you have to file a lawsuit that can vary a lot.
So what type of letter or you referring to?
Essentially it is a demand letter. The lawyer will demand that they either give the money and car back or arrange financing.
Or carry the note themselves.
There have been a number of dealerships get into trouble for spot delivery scams.
thank you for your answers now I know what to do next
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