how do i dispute a "voluntary reposession"?

You signed a contract at one interest rate, they said they could not get you that interest rate and wanted you to sign for a new approval at a different rate? Did you sign?

If you didn't sign for the new approval, they can't "make" you sign You should be able to return the vehicle if the new terms and conditions are not to your liking.

The deal is "not" sealed until the approval is in hand and the consumer accepts delivery !!!!!!!!

If you didn't sign for the new approval, speak to a lawyer.

If it was returned to the dealership at their request, it is a voluntary repossession. In other words, they didn't need to call me to find it and get it in the middle of the night with my tow truck and return it to the dealer.

Unfortunately, anything and everything a salesman says that is NOT written into the contract you signed is considered to not exist.

You can sue if you'd like, you might even find an attorney to take your money to file on your behalf, but you would lose. You did indeed agree to a voluntary repossession. The reasons why are beside the point. It will go away in 3 years, in the mean time do things to improve your credit rating.

hi! greenback, do no longer hassle, identity enjoying cards are an surprising concept conceived by ability of our Communist New Labour leaders, identity enjoying cards will clean up each thing? The German Nazi's and the Russian Stalinist s had them and what wonderful international places they grew to become out to be under those regimes. the sturdy facet is it's going to make it much less complicated to locate you and because Blair has had the beginning of a secret police stress going for it sluggish, consistent with probability the subsequent step would be torture chambers that may assist you relax. As I pronounced do no longer hassle lots To Jeeper that consistent with probability so Jeeper yet that's the banks suitable even though it leaves the final for me to no longer connect the financial business enterprise with out being punished in different factors. i'm no longer as unfastened as i might like yet any added regulations are actually not on so a good distance as i'm in contact. ATB pink

I would contact gmac and explain the situation to them. Then, I would contact the dealership and explain to THEM how if it wasn't removed from my credit report I would be contacting the better business bureu and my attorney. If nothing is done about it, then I would do exactly that. report them to the better business bureu and I would get an attorney. You do not want or need them to screw up your credit because of THEIR mistake.

From your description it's exactly right. It's a reposession because they wanted it back because it wasn't paid for or payment arrangements were not made, and it was voluntary because you took it to them rather than making them come after it through a guy named Bubba with a baseball bat.

I would be contacting a lawyer....if what you say is true.

The same thing happend to me over 20 years ago when I was just out of HS trying to buy a new car.

They could not get me financing, so I took the car back.