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What are her rights after being called back to the local car dealership?

My girlfriend recently purchased a newer vehicle. She's on a strict budget, so she negotiated a monthly rate of $280 per month (total cost of the vehicle is not important). This deal occurred on Saturday, 08/02. The paperwork was signed, and my girlfriend came home with the newer vehicle. The dealership called her today and asked her to come back down. They told her that due to her credit, the best that they should do is $291 per month. This, among the way they were speaking to her today, upset my girlfriend. She refused to sign any paperwork presented to her today. My girlfriend told them to forget everything and she will take back her last vehicle if it's an issue. They told her to come back down tomorrow, and they will discuss, "but she signed for the vehicle."

She certainly DID sign for the car, at a predetermined rate. Does the car dealership have any legs to stand on? Or am I missing something? I think adding the whole "you signed for the vehicle" is just the dealerships way of trying to force her hand.

Update:

I appreciate the responses. It sounds like she should be able to get her old vehicle back... which is honestly a relief given how this company is treating her now. It may only be $11 a month, but we don't appreciate the attempted scam. She'll find a different vehicle somewhere else.

5 Answers

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  • ?
    Lv 7
    7 years ago
    Favorite Answer

    This happens all the time, to people with bad credit. The dealer was unable to get your GF approved at the original "proposed" deal with his bank or finance company. If he can't get her approved, he doesn't get paid, and the car still belongs to him. It's his fault for letting her drive off in the car, knowing that he's probably going to have trouble getting her approved.

    If your GF would read the papers she signed, somewhere in those papers would be the explanation about the deal being contingent on getting credit approval. Otherwise, there is no deal, regardless of what was signed.

  • Anonymous
    7 years ago

    She has the right to return the car if they cannot or will not meet her prior agreed upon price.

    if she stands firm, they might accept her prior deal but they don't have to.

    And if she cant make a deal, the lender doesn't pay the dealer and she has to give the car back.

    Impossible to say if its a ploy to get more profit or they really couldn't get her the deal she signed.

    Only way to find out is to say no and bring the car back. They will try to turn it into a negotiating session but don't let them.

    If she returns the car, she gets her down payment back in full.

    The only reason she should go back is if she is giving the car back. She is ONLY obligated for the deal she signed for. not $11 a month more.

  • 7 years ago

    it's not an attempted scam. It's the lender, not the dealer who decides what the final monthly payment will be and when the dealer gave you the wrong numbers the lender corrected them.

    This happens every day in the car buying business. You are over-reacting to a common situation.

  • 7 years ago

    The dealer knew when she drove off they would be calling her back. Finance guys know who can qualify for what APR, loan term, and who can't. It's their job.

    The contract somewhere has a clause that states "subject to finalization of financing" or something of that nature, which means they have her by the balls (figuratively speaking)

    If she wants the car, what will probably happen is they'll up the APR, extend the loan period, get a bigger commission, and you gf will be paying, and paying, and paying for many years to come.

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  • Anonymous
    7 years ago

    Unless she has approved financing (from a LENDER, not the dealership) she has no deal and no new car. She either signs the new deal at the higher monthly payment or she refuses and returns the car.

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