My question involves a consumer law issue in the State of: Ca
Okay, so I went to buy a new car and informed the dealer I was approved for a loan with a certain bank that I have not accepted. They said they will work with that bank and will coordinate the loan paperwork since I was already approved for convenience.
After the car purchase I get a letter from a different bank for payment and needless to say I was furious. They are trying to give me car accessories to look the other way to deal with the different bank. Granted the rates are the same, but they screwed up with my loan and gave my personal info to another bank. They are slacking in rectifying the situation and I am losing my patience. I am so frustrated that I am thinking about lawyering up and suing them for gross negligence.
In addition, I bought an extended maintenance warranty that I paid in full and later requested a refund. Their response was the refund will go the bank and will be applied towards my principal. I don't get why they would send my refund to the bank since the warranty is not part of the loan and I had to increase my down payment to pay for it in full?
Please let me know what my options are? Or am I overreacting? Thanks.
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And get this, my new plates come in and on the registration it says a third bank?!
My bank approval was with my credit union, then they screw up and setup the loan with Bank of America, but the lien holder shows BK of West, which is a completely different bank!
Okay, so I went to buy a new car and informed the dealer I was approved for a loan with a certain bank that I have not accepted. They said they will work with that bank and will coordinate the loan paperwork since I was already approved for convenience.
After the car purchase I get a letter from a different bank for payment and needless to say I was furious. They are trying to give me car accessories to look the other way to deal with the different bank. Granted the rates are the same, but they screwed up with my loan and gave my personal info to another bank. They are slacking in rectifying the situation and I am losing my patience. I am so frustrated that I am thinking about lawyering up and suing them for gross negligence.
In addition, I bought an extended maintenance warranty that I paid in full and later requested a refund. Their response was the refund will go the bank and will be applied towards my principal. I don't get why they would send my refund to the bank since the warranty is not part of the loan and I had to increase my down payment to pay for it in full?
Please let me know what my options are? Or am I overreacting? Thanks.
- - - Updated - - -
And get this, my new plates come in and on the registration it says a third bank?!
My bank approval was with my credit union, then they screw up and setup the loan with Bank of America, but the lien holder shows BK of West, which is a completely different bank!
Sales Agreements: Dealer Used Wrong Bank Loan
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