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I bought a Kirby vacuum cleaner for $1600 plus tax. I signed…

Customer Question
I bought a Kirby...

I bought a Kirby vacuum cleaner for $1600 plus tax. I signed the contract and paid no attention to the interest rate of 24.46% making my total purchase price $2410.20. Payment is $66.95 per month but didn't realize the payment is for 3 years. I want to return the vacuum and have not used it since the demonstration. According to the contract it was returnable after 3 days after signing. Brought 0n 12/11/17

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

Pennsylvania

Lawyer's Assistant: Has anything been filed or reported?

I called the finance company and complained about the finance and was told that if I paid cash or within 1 year it would lower the charge. Also the vacuum doesn't have an automatic cord retrieval and I almost broke my neck tripped over it. I did see that when I bought it but did not realize how dangerous it can be for a 78 year old women.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

Not that I'm aware of a this moment.

Submitted: 6 months ago.Category: Legal
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Answered in 2 minutes by:
12/30/2017
Lawyer: INFOLAWYER, Attorney replied 6 months ago
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 63,008
Experience: Licensed attorney helping individuals and businesses
Verified
You can return it if seller consents and especially if seller misled you about the price and terms of payment.You can contest with your credit card as a chargeback. Other options - You have a few options. Let me outline them. You can pursue a complaint in civil court. You may sue for losses suffered plus costs and interest. You can also file a complaint with the attorney general office. You can threaten these options before pursuing and use for leverage. local counsel can also get involved! A lawyer letter alone can often bring about a settlement as the other side realizes that you are serious and gets concerned about its risk and legal fees.By being prepared and pressing your claim, the other side should feel the pressure and consider the risk of losing and legal fees. That realization can help bring about a settlement!Please let me know if the reply is acceptable by responding “yes” or “acceptable”if I can elaborate on anything, just ask me.Please select the 5 star (*****) rating on your page for the answer. Happy Holidays!
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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