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  1. #1
    Join Date
    Jun 2011
    Posts
    2

    Default Can Used Car Dealer Repossess My Truck if I Didn't Finance Through the Dealership

    My question involves a consumer law issue in the State of: Pennsylvania

    I recently purchased a truck from a small used car dealership. The selling price was $11000 and I financed through a finance company (its not buy here pay here.) I had trouble getting approved and somehow the dealership was able to make it happen. I only put $500 down. Now when I got the contract, the numbers were all jacked up. Instead of the selling price being $11000, the contract stated that it was $14000 and had my down payment listed as $4300(which I only put $500 down.) That looked a little odd to me but here is where it gets real shady. The dealer explained to me that I would have to bring him a check for $1175 within 30 days for the state taxes, title, etc... because "the finance company doesn't finance the tax." I needed the truck and thought the charge was valid so I agreed to it. Well when I got home and looked the contract over, the $1175 for taxes and registration were listed as clear as day in the itemized breakdown of what was included in my monthly payments. Everything already went through with the Finance company and I made my first payment. However, I still have the dealer calling me and telling me that he is going to repossess the truck if I dont bring him the check. He is also calling friends of mine daily that I have listed as references. My first question is, can he repossess the car? and second, can he harass my references daily telling them my business and that they better tell me that its in my best interest to bring him the check?? Thank you sooo much for any help!

  2. #2
    Join Date
    May 2008
    Posts
    111

    Default Re: Can Used Car Dealer Repossess My Truck if I Didnt Finance Through the Dealership

    who is the leinholder on the title? The dealership or the finance company? Does the contract state you must pay the 1175?

  3. #3
    Join Date
    Jun 2011
    Posts
    2

    Default Re: Can Used Car Dealer Repossess My Truck if I Didnt Finance Through the Dealership

    Thank you for your quick response. I'm not sure who is the lien holder. This is only the second car I've financed at the last one was 8 years ago. I have attached a portion of the contract that I was referring to where you can clearly see the sales tax and registration in the itemization as part of the amount financed and it states that it is paid to others on my behalf.. my payments are 278 a month and according to this, it's included in my payment. How would I find out who the lien holder is?


  4. #4
    Join Date
    May 2008
    Posts
    111

    Default Re: Can Used Car Dealer Repossess My Truck if I Didnt Finance Through the Dealership

    ask to see a copy of the title or visit your local dmv and they can tell you. make sure to bring your drivers license. From what I can see your contract is very specific that the sales tax is included with the financed amount. If the dealership is not the leinholder, I would advise you to tell them to stop harassing you unless they can prove some sort of ownership of the car, lein on the title, or can provide a contract which you signed stating you'd pay the sales tax up front. And if they do in fact repossess the vehicle, I'd simply report it stolen. And a bit off topic but 1100 for sales tax?? I'm glad SC caps it at 300

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