I dont know where to start but i have no idea how to say, i got 2003 ford mustang and it is my first time got 2003 car with 23k mileage for only $366 a month which is fine with me that i can affort it since i have a job but there a big proablem, let me start story with you.
Last Saturday, I went to Waycross where summit kia used car local at since i got email from them that they said i am pre-approve. I asked them on the phone before i went to waycross. I asked them how did i got pre-approve and they said we found match what you are look for to get new car with poor credit. I had question them... I said do i have to bring down pay with me to see you... They said no dont need and said bring paycheck sub, phone bill, DL and insruance. I had asked for the second time... Do i have to bring down pay and will i be able to get a car. They said dont worry about down pay, u will get car after u show us your prove of info. So i think its ok with me then the next day saturday i came there... There was a black guy a dealer and i said i am ook for carrie davis since i was spoke with her on phone and he lead me to the office and i sit there in office and wait for carrie... Then he told me that she allow him to take care of it with me so i am ok with it... Then he bring one paper to filling for credit check which i am fine with it and i fill all info everything and he asked me how much amount can you pay monhtly i said amount range between $300 to $400 a month and he asked me how much can you pay down? I said i dont know. He said ok and asked me if i am ok with pay 2k down in 30 days. I said well i dont know... Then he said ok and told me to wait for a while... Then he came back and said i had been approved. And he asked me if i have bank checking account i said no i do not have with me and only have is preipaid. Then he left office and again came back and said lets find u a car... I had no idea but i drove one of 2005 car it was not good to me it is a old people car and he said mustang i was like well maybe so i drove this and it was good... Then i turn it off and i give to him the key and he was like. Keep it, i said no then he said hold this key so i hold this key and he rush and took one of the paper and fill info... And i sit in office and wait. He came back with all price info and said mustang is $12,000 and down pay is $2,000 and 869 for docoment fee, taxes and tag for all only $388 a month... Which is fine with me but i asked him am i going to pay this 2k and a 869 dollars fee and he said nooo all of them are incudle total $388 for 5years. I asked him again and he said u dont have to pay anything... Just $388 a month. I signed it which i am fine with it and then i went in the other office and signed everything... And then 30 to 40minutes later and things just happened so fast and confused and he said your monthly is $366 and u ned to pay down $2869 and when can u pay i was like... I dont want key, u hold it and ill come back... Bc i am try to leave and forget it... He said we cant, it is your car already u r owner of mustang. I was like i cant affort down pay like that and he offer me 40days... I tried said i cant do that and i told him that the other saleman told me i dont have to pay anything down pay and the fees since its all go to $388 a month... And now things changed $366 a month and need down pay... He said well i give you 40 days and asked me about bank account i said i do not have it and i told the saleman samething... Then i am so tired of it and try to get this done and leave... So when it done and i left with mustang with me home. And i talked to john about that and he said i have a right to leave mustang there like return mustang there and go home... So i did return mustang and i said i dont want it. I left. So the dealers email me that they r going to tow mustang and drop off my house which i dont want to because it will bill me. I had go there back there again and they offer me 60 days until pay off down pay. I offer them i can do is 65 dollars a week for 44 weeks to pay off downpay they said no they cant... Their tie hands at least 60days i kept said i dont want this mustang, they said we cant do anything at this time since mustang is your. Jessica my grilfriend try tell them everything... They r stubborn. So i took mustang home with me again. And then 3 days later i had research and i found out most of car dealers who made contact with customor who signed contact for cars that allow to cancelle the contact in 24hours after buy cars. Guess what the dealers dont say it to me and even i did return mustang to them before the 24hrs was UP... I return mustang after around 14 to 16hours... I still have 8 to 9 more hours before i can cancelle the contact. I did return there first place was a smart move and to cancelle the contact but dealers was threat me that they will tow mustang to drop off at my home. I dont know what to do with mustang since i cant affort $2869 down pay due by april 6. I was sooo stressful and worry alot... I knew i can affort is $388 a monthly when i got the first info of payment i accpet that amount and i signed and then 40minutes later they changed to $366 a month and need cash on $2869. I was so mad and i dont want it but they said it is your mustang. Art first they said i dont have to pay down $2869 since everything total price go to $388 a month is all i need pay. I dont talk to my dad because i know dad will mad or carol will tell dad to switch to carol name and hurt my credit... I dont trust to ask dad help because they r going to do something maybe take mustang and sell $10.000 and get money and dealers come to me and ask me where is mustang, u know WHAT IF things if i let dad know so i am here to email you whats going on. I know it is a law after you sign the contact on cars and you have 24hours to cancelle the contact before it too late... I did right thing was return mustang next day!!! But they threat me that they going to tow mustang and bring it to my home. I cant affort $2869 down pay before april 6... I only can affort is $366 a month OR $388 a month which i am fine with me but they want cash $2869.
I dont know what to do with mustang, i am feel like i have to give up mustang and dont pay a penny and leave my credit go BAD again. I was only get car a new car for my future to use drive to work and building my credit better but now dealers just made me so confused and messed! At first they did a good and help me alot and 40minutes later things just different and want $2869 cash pay down.
I dont know about law on contract cancelle? And even when i signed contract and dealership was changed and tell me if i have bank account checking and cash for downpay i said i dont have it and i gave keys to them and they said too late it is your car now... 5minutes is too late HUH? HELP ME because they now called me an theft by disception, fraud, lied. How would I be? I am deaf and I am easy target that they fool me! HELP ME. I dont want go to jail for that which I did not commit criminal like that. They wanted MONEY from me.
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