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  1. #1
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    Nov 2009
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    Default Paying for What I Don't Have

    My question involves a consumer law issue in the State of: arizona.
    i purchased a truck from a used dealership about a 2yrs ago. i found out from the lender that the vehicle i am paying for is not the vehicle i have in my possesion. i have a 2008 chevy with no bells or whistles but the truck im paying for has many upgraded options. i was told by the lender that they could not release a copy of what is called the book list on the vehicle. this is a document that the buyer never sees. i was told that dealers do this to make the vehicle worth more in the eyes of the lender. is it consumer fraud to sell a vehicle to a person and turn around a basically finance something different? if so what do i need to do?

  2. #2
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    Default Re: Paying for What I Don't Have

    How is it that you went to a dealership, picked out a car loaded with features, negotiated a price, drive a different vehicle without those features off the lot, and never noticed?

  3. #3
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    Nov 2009
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    Default Re: Paying for What I Don't Have

    Quote Quoting oilcanbob
    View Post
    My question involves a consumer law issue in the State of: arizona.
    i purchased a truck from a used dealership about a 2yrs ago. i found out from the lender that the vehicle i am paying for is not the vehicle i have in my possesion. i have a 2008 chevy with no bells or whistles but the truck im paying for has many upgraded options. i was told by the lender that they could not release a copy of what is called the book list on the vehicle. this is a document that the buyer never sees. i was told that dealers do this to make the vehicle worth more in the eyes of the lender. is it consumer fraud to sell a vehicle to a person and turn around a basically finance something different? if so what do i need to do?
    i knew what it had as options. the problem is that they lied to the lender and the lender financed the fake options. i know what they sold me and i know what i have. but according to the lender i have something else.

    thats not the case. i am smarter than that. the dealer gave the lender a different discription of the vehicle than what they sold me. i know what i drove off the lot but just recently found out that i am paying for something much more expensive. i have the original options list with my contract but it doesnt match the lenders list.

  4. #4
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    Default Re: Paying for What I Don't Have

    So your complaint is that the lender thought it had better collateral than it in fact had? I can see how that would bother them.

  5. #5
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    Nov 2009
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    Default Re: Paying for What I Don't Have

    yes in fact it should be a concern for them. im not arguing that fact. my argument is if i am paying for these options bound by contract behind my back, shouldnt i be entitled to have these options in my possession? all i want is to be treated fairly. i dont think anyone would want to pay for something they dont have. is there anything i can do about this?

  6. #6
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    Default Re: Paying for What I Don't Have

    You're paying for the car you picked out, and you're paying the price you negotiated.

  7. #7
    Join Date
    Nov 2009
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    5

    Default Re: Paying for What I Don't Have

    so what your saying is that it is perfectly legal for a dealership to sell a person one thing and sign for it and turn around and finance something different? example:so i can sell you a toyota camry and tell the lender you bought a hummer? if that is legal then i have no faith in the justice system. the dealer has involved me in fraud. where and what are my rights as an honest citizen in this mess?

  8. #8
    Join Date
    Nov 2009
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    Default Re: Paying for What I Don't Have

    i quess i should tell you what im trying to get out of this. either the dealer can buy their fake truck back or they deliver to me the truck they submitted to the lender. is this something that could happen? i read another persons problem and there was a chance he too could be in trouble for fraud to the bank. the only difference is that i didnt sign for the fancy truck, i signed for the plain truck.

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