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So you purchased a great new car, signed all the necessary paperwork and drove it right off the lot with a huge smile on your face. The trader got you approved on the “spot”. Or so you thought.
A few days or weeks later, the dealer calls and asks you to return to “sign a few more papers”. If you object, the dealer may threaten to repossess the car, say you that you do not have legal entitlement to keep it or even force you wait for hours at the dealership under certain excuse, to wear you down. This case is most common containing clients with poor credit, since dealers understand that such people are vulnerable and simple to take profit of.
The majority of clients assume the dealer is telling the truth and will do whatever the dealer tells, resulting in higher payments, additional money being spent over the life of the loan and thousands of dollars in increased “hidden” costs. Those who refuse, see their vehicles repossessed.
This is a Scam. The industry has given it a name: Spot Delivery, a definition which refers to the dealer placing a consumer in a car “on the spot”, to make the sale, just to take them back at a later date for additional funds. Performed to perfection, a dealer is able to reap heaps of dollars in unearned fraudulent gain.
Spot Delivery occurs to unsuspecting consumers in the United States. It is quite popular with dealers in Pennsylvania, New Jersey and Delaware. If you find yourself in this situation, the possibility is great that you have legal ways available to right this wrong. Tools to Protect Yourself from Dealer Fraud:
* Remember that if you have signed papers, you have right for this car, regardless of whether the car has been financed.
* Your credit was good or the dealer would not have delivered the automobile to you at the cost you agreed to pay.
* Hold all copies of your documents and anything else associated with the sale (containing calendars, advertisements). If the finance manager requires your papers at any time for any cause, refuse! Keep such documents in a safe place, not the vehicle.
* Have a friend take you to the place and witness whatever is being told to you. This will prevent the dealer from taking your car as hostage, an all too common occurring. * Consider all finances you had invested into the purchase, containing registration, insurance, down payment and trade.
If you believe you are a victim of a Spot Delivery scam and want to discuss it with a consumer attorney like Mel Harris, contact a specialist lemon law attorney
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