I purchased a 2016 used vehicle on 7/22/17 in VA where I
Hi! I purchased a 2016 used vehicle on 7/22/17 in VA where I live. At the time, I signed a bill of "Retail Installment Sale Contract" agreeing to a financing % through a credit union. The guy having me sign papers that day forgot to have me sign the second page of the loan piece which says I agree to be a member of the credit union. Over the next 3 weeks, my husband ended up in the ER/hospital 3 times, he lost his job and honestly I now have buyer's remorse. During that timeframe, the dealership kept calling to get me to sign the 2nd page to be a member of the credit union. If you are not a member, you can't get the loan. I also started receiving all these letters that my request for a loan had been denied, so they were shopping it to other banks.
I got caught up on messages when home from hospital. One even saying to sign papers before they repossess the car. I responded in email I would be returning the car and evoking clause that states I could not get proper financing. They wouldn't let me do it. In addition, kept pushing me to sign the agreement, which I did not. They made me take the car back home with me. The Manager said if it had been a couple days it would be different, but a month that car has depreciated, multi-million dollar business, blah,blah.
In addition, on the Buyer's Order document there is a spot for a "Dealer or Authorized Representative" signature. They didn't sign it. We've bought from them in the past and it was signed on 2 other vehicles. Well, underneath the signature line it reads "This invoice is not valid unless signed and accepted by the Dealer or its authorized representative."
I get obviously life events and buyer's remorse get you nowhere. So, here are my two questions.
1) Can they make me sign the membership agreement for the credit union in order to get the loan? I did sign the "Retail Installment Sales Contract." But not the membership agreement because they forgot to have me sign it.
2) Does the fact they didn't sign the Buyer's Order and the note is not valid unless signed by them have any impact legally on my rights?
3) With this basic information and the dealership not wanting to work with me, what are your thoughts on hiring a local lawyer? Worth it or not?
4) Finally, do you think they should hire someone new to do their paperwork? ;)
Thank you!
Amy