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I was preapproved auto loan through bank of america to

I was preapproved for an auto loan through bank of america for up to $10000 usd. I selected a car to purchase and i put $4000 usd down for a balance of a little over $5000 usd. A week later the auto loan information was still not posted to my account so i called bank of america and asked what was going on. They stated that they had rejected the contract between myself and the seller because they did not put my full mailing address. I contacted the dealer about returning the car and getting my deposit back but they claim that i have a valid signed contract and that is not an option. If that is the case then why did bank of america not just pay out the balance to the dealer? Can i legally return this car to the dealership and get my deposit back based on my belief that the contract is not valid.I live and the car was purchased in il

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TJ, Esq.

Juris Doctor (JD)

 
10,198 satisfied customers
December 2015 my mother maxed our credit card to buy

December 2015 my mother maxed our credit card to buy appliances stating she would pay us back $150/ month. We consolidated our debt and not sure is saying she no longer has to pay us back

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legalgems

Juris Doctorate

 
12,322 satisfied customers
On 6/15/16 my wife and I closed a mortgage re-finance on my

On 6/15/16 my wife and I closed a mortgage re-finance on my primary residence with Deseret First Credit Union(DFCU) with Meridian Title(MT) in St. George , Utah. During the closing we realized that the payoff amount for D.F.C.U. was incorrect by several hundreds of dollars, and had us coming to with $688.41. We told the closing agent for M.T. that we did not want to sign an incorrect closing settlement, he assured us that it was a merely formality and he would get it corrected but to go ahead and sign not to slow the process down. We reluctantly signed the signed the closing statement, relying on his promises. He called D.F.C.U. during the closing, and we told we would be receiving a revised update statement by the end of the day 6/15/16. We told him that we would not provide the needed funds to close until we had a correct closing statement. On 6/16/16I received a DocuSign email from our D.F.C.U. loan officer with a revised closing statement with a different payoff amount but still an incorrect pay-off. I immediately responded via email that the pay-off was wrong with the subject line: Payoff is wrong! I received an automated response to his email, with my subject line of Payoff is wrong! In the subject line. The automated email stated that he was out of the office until 6-21-16 to please call(###) ###-#### ***** I did and got a voicemail. I didn't leave a message because I would be working all day and leaving early the next day for a wedding out of State. There was not a rate lock on the loan, so I was not worry about a rate lock expiration. I figured that we would get it all figured out when I returned and the loan officer returned the following week on 6/21/16. I reached out to our loan officer 6/22/16. I asked our loan office what was needed to finalize our loan, to my absolute stock I was told that the recorded and funded on 6/20/16. I told him that a never received a corrected closing statement nor did I provide any funds to close the loan. The loan officer told me that would he call M.T. and get back with me. I received a phone call back from the loan officer about 45 minutes later stating he gave us a lender credit of about $100. and with corrected payoff it was enough to close the loan. I was stocked again, because I still did not know what the correct payoff was. I was also stocked because our loan that had supposedly re-financed was still active on D.F.C.U. on-line banking service. I told our loan officer he needed to immediately provide us will the final closing statement with the payoff amount so I could review it. I did not hear back from again until the next day when I received another DocuSign email with a closing statement still with still an incorrect payoff amount, which was not the payoff used to close the loan. I again immediately responded to the email that we would immediately sign once the payoff amount was corrected. Since, I didn't hear back from the loan officer I called him at 4:00 pm and left a message. He returned my call about 30 minutes later, stating I would have the corrected payoff information immediately and that my loan that we supposedly re-financed would be reflected as paid off, and that the on-line banking system would reflect this by the morning of 6/25/16., since the system needed to be updated overnight. I told that loan officer that I would be making a payment on the original loan if this was not taken care of as promised. On 6/25/16 I had a chance to review the documents that were recorded against my property, I learned that the Deed of Trust recorded had my first name spelled as Willaim not William, and that the closing agent who was also the notary had corrected the documents. He initialed one of the changes. This is very problematic because it is a misdemeanor for notary to notarize a document that he was a signer. Upon further review I realize that about half the documents have my name spelt as Willaim not William. By the close of business on 6/25/16, I had not received the corrected final closing statement and my original loan was still showing active on D.F.C.U on-line banking system. It was decided that we would re-affirm our original loan, because this loan had become an absolute nightmare for us. The next morning 6/26/16 I purchased a money order in the amount of $10.00 an made a principal payment on my original loan through the Drive-thru teller line at D.F.C.U. This payment was accepted and principal balance was decreased by $10. Then on 6/27/16( a full week after problematic loan had funded and been recorded) I made another principal payment on the original loan. Then I called the escrow manager at M.T. and shared the horrors that I had experienced with the problematic loan. He told me that he would speak with D.F.C.U and his staff , then report back to me. Many more problems with this loan, however I have run out of characters. How should I proceed.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,310 satisfied customers
I am located in Los Angeles and in the process of trying to

Hello,I am located in Los Angeles and in the process of trying to get a home built. I've run into an issue where I've paid a geologist to create a survey of my lot to submit to the city for building permits. I've payed 300 dollars for the survey and once it was received I took it to the department of building and safety who rejected it due to the survey not being printed on the correctly sized paper. I went back to the geologist and had him put the document on the correct size paper only to return to the city again and have it rejected because it was missing the geologist signature. I ended up returning to the geologist yet a 3rd time to get his signature on the correctly sized survey. After this the document was excepted. The problem now is that the geologist who provided me the document has now sent an invoice which states he is overdue to be paid an additional $300 dollars for the corrected document provided. What I would like to know is if I am obligated to pay him? I am concerned he may report my information to a credit agency which could hinder my construction loan approval. I have since contacted the geologist and he has given me a verbal agreement not to pursue payment but refuses to provide documentation stating this. How should I proceed?

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Asad Rahman

Attorney

J.D.

 
2,278 satisfied customers
In a run off the road incident, my car (not my fault)

in a run off the road incident, my car (not my fault) insurance lapsed/still making payments on the car---insurance denied claim. I have no funds to repair it.what are my options?i am doing voluntary repo. taking car back to dealership. (had car 2+ years)what happens now?? will i be sued? will it go on my credit? am i in deep dish doo-doo?signed, broke as hell.....

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legalgems

Juris Doctorate

 
12,322 satisfied customers
This question is Maverick: in continuation to my previous

This question is for Attorney Maverick: in continuation to my previous question, I would like to know until we do the S corporation, how is the situation treated in general legal terms, I mean the 18% and 82%. if no S corp. for example, and just closing is done with the two signatures, does it mean it is automatically considered for taxes as 50-50 ownership? how is it considered in the situation when no S-corp. or other paper work is done, and just title is signed off by both with those % from each?I would like to know how its all treated in general sense.

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Maverick

Doctoral Degree

 
5,262 satisfied customers
My 17 year old daughter is due in court in 2 days 221.10-UPM

My 17 year old daughter is due in court in 2 days for a 221.10-UPM charge (first offense). Up until yesterday, I was under the impression that this is no big deal. We were told by friends, counselors and police officers to just show up and pay the fine. But as I was researching this on line as the date is rapidly approaching, some questions came up. I don't want to hire a lawyer and pay outrageous fees if not necessary, however, I of course want to do right by my daughter and protect her future. First of all, her first name is ***** ***** the ticket and we were told this may warrant an immediate dismissal. Secondly, do we plead guilty? Or request an adjournment contemplating dismissal? I was going to bring in a letter from her rehab counselor showing she's in the program and has been doing excellent, with clean tox screens for a while now. She has totally straightened out. I have read that if she is on "probation" for a year until case is sealed, we may have a problem getting student loans. She also just got her learners permit and I'm not sure if any issue will come up based on this. I am not sure what to expect as I've never been to court before. Can you answer my questions and give me some guidance about how to handle the court date? Thank you.

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Zoey, JD

Doctoral Degree

 
28,308 satisfied customers
I started a visitation/custody case two kids. A month later

I started a visitation/custody case for my two kids. A month later mother went to court, and file false allegation. And the next court day she show the court a picture of her face beat up. My kids told me that she felt at the skate park. Is my case considered custody case with domestic violence?

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William B. Esq.

Attorney

Doctoral Degree

 
18,554 satisfied customers
I'm 25 years old. I have section 8. I'm a full time grad

I'm 25 years old. I have section 8. I'm a full time grad student. If I receive excess financial aid, do I report it as income to housing.

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Alex J. Esq.

Managing Attorney

Doctoral Degree

 
21,210 satisfied customers
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