My question involves a consumer law issue in the State of Georgia:
On feb 2016 me and my husband went to a buy here pay here lot and seen a car we like. Test drove and etc etc so the owner said they DONT report to our credit so we signed the papers and etc for the car. Down payment was 1800. After we signed documents and etc we was paying a down payment of 1800 and 210 in payments for 24 months.as i was making the down payment transaction Our card was declined so i went to the bank and my money hasnt been deposited yet. I went back and told the owner. As i was talking to the owner i had an important family emergency call so i had to leave. The owner told me to just come back the next day.
The next day roll around my money still hasnt been deposited into my account so i told owner and told him i dont want the car any more bc i got to see why my money hasnt been deposited into my account. He didnt say much except that i signed a contract and i have to come get the car. I told him i dont want it and i dont have the down payment. The vehicle was still on his lot never did i drive it off the lot. I asked him for the contract i signed, he refuse to give it to me. So i happed to check my credit yesterday the owner reported the vehicle as a repossession and that i was suppose to be making 390 in payments since January of 2016..what should i do????
On feb 2016 me and my husband went to a buy here pay here lot and seen a car we like. Test drove and etc etc so the owner said they DONT report to our credit so we signed the papers and etc for the car. Down payment was 1800. After we signed documents and etc we was paying a down payment of 1800 and 210 in payments for 24 months.as i was making the down payment transaction Our card was declined so i went to the bank and my money hasnt been deposited yet. I went back and told the owner. As i was talking to the owner i had an important family emergency call so i had to leave. The owner told me to just come back the next day.
The next day roll around my money still hasnt been deposited into my account so i told owner and told him i dont want the car any more bc i got to see why my money hasnt been deposited into my account. He didnt say much except that i signed a contract and i have to come get the car. I told him i dont want it and i dont have the down payment. The vehicle was still on his lot never did i drive it off the lot. I asked him for the contract i signed, he refuse to give it to me. So i happed to check my credit yesterday the owner reported the vehicle as a repossession and that i was suppose to be making 390 in payments since January of 2016..what should i do????
Repossession: Repossession of a Car That Never Left the Car Lot
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