My question involves a consumer law issue in the State of: New York
I signed a *hand written* bill-of-sale stating the final sale of the pre-owned car at $18k. I put $10k as a down payment (thats also stated on my bill-of-sale).
I decided to finance the other $8k to establish credit considering its my first car purchase. I noticed on my financing contract it stated the final sale of the car at $22k, giving me a $3k difference from the actual price I signed for. No other purchases or warrenties were signed or acknowledged by me.
I confront the financial advisor in person and he says there was a second *typed* bill-of-sale. I eventually got a copy of the said typed bill-of-sale and it shows an extra charge of $3K for "Theft coverage," which I never saw, agreed to, or signed for. Then it shows my (customer) signature was forged with a bunch of scribbles that looks absolutely nothing like my signature.