We went to Cardinal Realty in NC in hopes of getting into a lease to own. She told me the owner of the house we were interested in wanted us to put down $5,000 more to do the deal. I said o.K. I went to her office to sign the papers. She gave me a contract to sign and I said if we could not get financing we would get the money we put down back. She told me yes. She could just not fill in some of the contract right now because she needs to get more info, but when everything was ready to go all the questions would be filled in and the n/a's she put in would be taken out. She then gave me a hard time about getting an inspection done and about getting things ready for us to own the house. I told her never mind I would go elsewhere and she said no, I'm sorry, I'm just not use to someone wanting to get an inspection and appraisal done when they are going to lease. I told her we are not just going to lease we want to buy. This is the reason you said we had to put down thousands of dollars. We finally got the inspection etc. Done and I asked her if I needed to get an attorney and she told me I could but her's would do the same things and for less money. So the day comes to sign the final papers and we show up in our moving truck ready to sign and move in. We sit down at the table with the realtor, the current owners, the attorney's assistant and some people just sitting around listening. She hands out the contracts to us and it is not the same contract title. I ask her why it is a different contract. She tells me it is the same contract just the laws changed in Jan. 08 and just the name has changed. As we go through the contract it says if we don't buy then the thousands we put down go to the owner instead of us getting it back like she told me before. I didn't have a choice except to sign because we left our old house and gave the keys back to our old landlord and our moving truck was sitting outside the office with our family in it ready to go to our new home. If I didn't sign where was my family going to live? In the moving truck we rented for 24 hours? We put all we had down on this house and didn't have the money to go rent a new place or to pay hotel bills. I wrote the Real Estate Commission in NC and showed them the two different contracts she gave me to sign. I also told them I found out the agent and sellers have also been friends for 20 years and she never disclosed this to me or had me sign what I now know to be a disclosure of seller statement. She also told me several other things that turned out not to be the truth. She then told the commission she gave me the first contract because it is the only one she had available at the time. I guess she then printed out a disclosure statement and put on it I refused to sign. She sent this to the commission as her reasons for doing these things. And they said o.K. They then sent me a letter stating the realtor did nothing wrong. Now, if we can't get financing we lose our thousands in down payment. This just can't be o.K. For them to get away with.
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