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Hello and thank you for allowing me the opportunity to assist you.
Please bear with me ... I am still reading your question. Almost done.
I'm sorry to hear about this situation. Unfortunately, you're between a rock and a hard place.
It is generally no excuse to claim that you didn't read what you were signing.
thats what I was afraid of
You cannot get the bank to stop the deal.
They loaned you the money.
The bank is the last party that will take the loss for this fiasco.
If I were you, I would talk to the salesman and take the white paper with the terms that you agreed to.
You do have a tiny amount of leverage in that if you were to sue, then you could theoretically claim that the terms of the agreement are on the white paper.
Thats the problem, it "diapered" when we got in the office, I asked if we could have a copy of it
Without that paper, I doubt that you'd have any sort of case.
The dealer will simply claim that you agreed to the terms.
The written contract is damning.
What would happen if I just tell them "the truck is sitting in the lot, I dont want it, I have another ride home"?
You mean, what would happen if you just left the truck at the dealer and walked away?
They'd probably have a good chuckle because they still got their money.
If you leave the truck there, that does not affect the fact that the bank paid the dealer.
then tell the bank its at the dealers, I was lied to and the terms I agreed to were not met
You'd still owe the bank.
The bank would eventually repossess the vehicle, sell it, and sue you for any deficiency.
You have to keep in mind that the bank had nothing to do with your car deal. The bank just loaned you money to buy it. They weren't a party to the sales contract, however.
could I threaten the dealer with going public with my story and the expierence I had in dealing with them?
They'll say "I'm sorry that you overpaid. Nonetheless, we gave you the money that you requested, and now we want to be repaid."
Yes, you can threaten to make your situation public.
You would even contact your local news dealer.
news station, not dealer.
If you talk to the salesman on Monday, he may budge.
He may admit that a mistake was made.
The owner of the lot may cave in if you really do contract the news media.
I hope i am able to talk.. I was so angry when I went back yesterday that I would have wound up in jail had he been there
At this point, that's the type of remedy that you're stuck with. You have to get the dealer to voluntarily take back the truck or otherwise make this right. You don't really have any legal power to force it.
would it be a good idea to as to manager to call the owner and get him down for the meeting?
Yes, I understand about being angry.
Car salesmen are the worst.
ask the manager* typo
If the owner will come, then that is a good idea. Bear in mind that the owner does not have to be present.
That's the problem ... since you don't really have any legal recourse here, it is all up to what they want to do.
The owner can come or not come. They can make it right or not right.
Your recourse would be to complain to the media, the better business bureau, complain online, etc.
but in a lot of situations would the owner not be more willing to make it right than just a salesman or the manager that were probable in on the lieing?
Yes, the owner is likely more susceptible to making this right, particularly if you threaten complaints to the media. If the owner makes this right, then he may be out a couple of thousand dollars, but that is peanuts compared to what his revenues likely are. But the salesman's commission may be quite small, and a change in the deal may be a big deal for him. Plus the owner is more concerned about his business's reputation than the salesman.
OK, Ill ask for the owner when we have the meeting
I wish that I had better news for you, and could tell you that you have a legal case against the dealer. But once the contract is signed, it's a done deal.
You are quite welcome.
I truly wish you luck.
I guess thats all I had for ya
Let me know if you need clarification at a later time.
ok, thank you
And feel free to let me know how it goes on Monday.
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