Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Was your agreement in writing that states a set amount of money that would be paid by you each month as a payment amount?
Or did they say that they would estimate your payment amount, but couldn't finalize the amount until they ran your credit?
Does the contract identify the vehicle by VIN?
Ok, then if there was no set amount agreed to in the contract, then you don't have a finalized contract with regard to the leasing aspect of it. This is called "spot delivery" where they put you in the vehicle prior to finalizing the contract to get you in it and liking it so you are more likely to agree to a higher payment when they come back at you after running your credit.
You can tell the dealer that you have no interest in any deal that is not identical to the one you signed, under any circumstances. He can then offer you a deal with another bank (he may have to lower the price of his rate markup to meet the terms; he probably will). If he refuses, tell him that he can come to get the car, but you won't release it until you get a certified check for the amount of money you put down.