Second Forged Bill of Sale with Extra $3k Charge

[kfconme]

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.

[Mr. Knowitall]

And your question is what?

Did you complete the transaction or not? What's going on? Who has the car? Is there an actual insurance policy involved, or is this just something they made up on the fly?

I hope you didn't give them more than the $8,000 balance.

[kfconme]

I have the car. The extra $3k charge they just threw on. Its proper name on the bill is "theft advert." They never explained it to us, and everyone I talk to, including friends that work at a different dealership, have no clue what it is. But, the big problem is that the $3k was included in the final sale of the car, and is stuck on my car loan.

I recently tried to settle the matter with them, asking for a refund of the $3k plus tax and intrest included to pay with the financing. They laughed at me, saying they know nothing about the forged signiture and as far as they were concerned that second bill was signed by me.

I also went to the police and the detective said they can't do much about it and to just go to small claims court. Is that the only/best route? Is there anything else I can do? Can't the franchise get in big trouble (license revoked, jail time) for the forgery?