1. My husband and I were having problems making the payments on my 2005 Chevy Astro van and State Farm Bank was unwilling to help us so we decided we were going to turn the van over to them.
2. We needed a car to replace the soon-to-be repossessed van, so we went to Rock Solid Autocenter to buy a car.
3. We bought (financed) a car through through Rock Solid Auto Center and drove it off the lot at approx. 9:00 P.M. Thursday, November 13.
4. The following morning, I had buyer's remorse, and I asked my husband to call State Farm Bank one more time to try to work things out on the Astro van payments.
5. My husband called State Farm Bank, and they were willing to work out the payment problem with us, suspending payments until December 8, and extending the loan. We accepted that solution.
6. At approx. 3:00 P.M. On Friday November 14, I returned the car my husband and I had purchased the night before to Rock Solid Auto Center, and before I even had a chance to explain why I was returning the car, one of their employees approached me and told me that my husband had signed the wrong space on the sales contract so that contract was not valid. I was relieved when told that because I wanted to return the car anyway.
7. The sales manager at Rock Solid Auto Center was reluctant to cancel the sales transaction. I spoke to my husband on the phone, and he informed me that the lender said they would release us from the lien if we couldn't work out the disposal of the vehicle with State Farm Bank. My husband called me again about 10 minutes later, confirming that he spoke to the lender and explained that we were going to continue paying State Farm Bank and were going to keep the Astro van so the Rock Solid Auto Center's lender released us.
8. I explained to the Rock Solid Auto Center's Sales manager that one of his employees told me the sales contract was invalid because my husband's signature wasn't on it, and that their lender was going to call him and admit that they were releasing us from the loan.
9. The sales manager took the call from their lender, came back and told me that the sale was cancelled, but that our deposit was non-refundable because we spent 5-6 hours with the salesman, they had to reinspect the car for damage, and there were fees which he could not clarify.
10. None of the paperwork I was given states that my deposit is non-refundable nor mentions any fees upon returning a vehicle.
11. I filed a claim through the Visa department at Wells Fargo Bank to attempt to get back the $402.00 deposit, but was told there is no guarantee that I will be able to get it back. It will take 10-15 business days.
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