My question involves a consumer law issue in the State of: Arizona
Back in October I put $3700 down in cash at a major car dealership for a 2008 Chevy Cobalt. I was able to drive the car off the lot around the middle of October. I was never officially approved for financing as that was dependent on me providing my income. Shortly after I bought the car, I was terminated from one job so I couldn't bring in those pay stubs. I found another job a month later and was about to bring in my pay stubs one week when I got in an accident and totaled the car.
Now the car dealership is saying that the financing was actually approved even without my proof of income. They're also saying that my $3700 is completely gone and that at the most, I would be getting around $500 back. They've been telling me that since the accident. However; every time I try to contact them I keep getting the run-around. They always have some sort of excuse as to why they haven't mailed me my check.
Also, the day before the accident, my dealership registration expired. The finance director told one of the finance managers to not give me new registration unless my financing was approved that day - it wasn't. So when the accident happened, I had expired temporary registration which the officer cited me for.
I spoke to two police officers and a judge and they both believed that I was being taken advantage of. I'm starting to think the same as well.
This is my first time buying a car from a dealership. I'm only twenty years old. Does anyone have any advice? Does this sound like a scam? What should I do?