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We can loan up to $500 to Alcoa occupants, in view of qualifying elements. On the off chance that endorsed, your credit will be expected on your next payday that falls in the vicinity of 10 and 31 days after you get your advance. Nitty gritty data with respect to expenses and reimbursement is accessible on our Rates and Terms page. As you consider whether an advance is proper for your prompt needs, you ought to likewise investigate other subsidizing alternatives. A payday credit is a genuine budgetary duty, and not an answer for long haul issues. Getting from a companion of relative may be a superior alternative.
I bought a car at a used car dealer ,we agreed on $300.00 down and $221.00 a month therafter .i went in and gave the dealer an additional $500.00 one month later . to get ahead of the payments. suddenly with out warning they took my car in the dead of night.they told me the next day that i would have to give an additional $1.500.00 because they couldnt find a bank to finance me.i couldnt come up with that much money in the first place and they knew that ..so they offerd me a replacment at an additional cost of $800.00 dollars.it was a reeally bad car and needed alot of work and they wanted the money in 5 days.it was rent time and that would be impossible. i asked why they wernt bound by our origanal agreement and they said cause i have bad credit ,.but they knew that when i came in what can i do to recoup my time inconveiannce and trouble for having to walk to work..
I run a new car dealership in California and it is legal for a dealership to take a car back they can not find financing for. However, if you made monthly payments to them and they accepted them, I believe that can no longer take the car back. Once they take a payment, they are now financing the car themselves as the bank. You need to act fast. Contact the regulatory agency in your state, in Alcoa it is DMV. If your $500 was a monthly payment, I believe they "stole" your car and did not repo it.
Find the Department of Transportation in your state, contact a consumer affairs reprenstative and speak with them. Also the other place is the Department of Financial Institutions in your state, hopefully you have both. Department of Transportation is the Dept. that issues dealer licenses and in most states they are very active in resolving consumer conflicts without having to go to court. They have as much jurisdiction over car dealers in most states as any court of law. I'm pretty sure what they did is against the rules, I'm assuming they have a buy here pay here store and they couldn't sell your note/loan and now they are trying to back peddle the deal hoping that you are not educated enough to do anything about it. I know a lot of buy here pay here stores that have been having a hard time selling their loans latley because of this "credit crisis" in America. That does not give them the right to repossess your vehicle, it's their responsibilty to find a buyer for the loan after it is originated, if they can't they have to hold the loan themselves.
Tell them that you are contacting the State's consumer protection agency, consumer reports, the Better Business Bureau and the State Department of Motor vehicles. Tell them that they need to come up with a solution asap. They are required to return the money down. Good luck!
Sounds illegal to me. They knew your credit history when you drove away in their car. I would report them to as many agencies as you can You should be entitled to all your money back if they won't deal according to the contract you signed.
Oldest trick in the book