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confused_101

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  1. First time using this platform so apparently my post listed twice accidentally. Do you have an answer to help me or are you saying there is an answer in another post somewhere???? Btw my state is PA
  2. First time using this platform so apparently my post listed twice accidentally. Do you have an answer to help me or are you saying there is an answer in another post somewhere????
  3. I purchased a vehicle over a month ago. my first payment was late due to being sent to the wrong P.O. Box address at the correct company (sent to payoff address by accident instead of general monthly payments). Once i found this out, i immediately contacted the company with my cc ready to make a payment but was told the loan company has decided that since it was my first payment & it was late, they are now holding my contract under “review” which means they are asking the car dealership to repurchase the loan back. The car dealership is now “telling” me to return the car and also telling me that i will not be getting my down payment back of 5k that i put down. The loan company made it very clear that currently they have not received payment back for the vehicle from the dealership so they technically are still the lien holders but I would have to discuss my down payment being returned with the dealership since that is who collects the down payment. Since all of this, i have also learned that the car dealership has also collected over 1k out of the 5k, from me by lying saying that the loan company required more money down than what was actually needed. I have brought this to the dealerships attention and they lied again saying that they received less for the vehicle from the loan company when in fact the loan company has paid the full amount (confirmed by loan co). The loan company has gotten involved as far as taking a complaint and saying that they will send this over to be investigated and they will possibly not do business with them in the future. They also made it very clear that the dealership fraudulently took more money than what was required. I was advised to contact my attorney generals office which i plain to do. I have no problem returning the vehicle because honestly i do not want to do business with either companies. How do I get my down payment back? I expressed that I want my money returned at the time of me returning the car. They are saying my money is gone for different fees that they are making up each conversation. (Ex: first tried to say sales tax, but clearly my contract includes sales tax) PLEASE HELP
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