Question:
I recently bought a car and well since my credit is bad i needed a co-signer. I got one someone to co-sign but after 2 weeks they are asking me to have my cosigner be the direct buyer and me as a cosigne. They say the bank didn't approve my loan because of poor credit, but isn't that the point of a cosigner? what should I do?
Longest lasting make / Least problematic car in the long run?
People are saying I shouldn't, but then again I said I didn't want to do that and the dealership ask to return the car so what to do?
Answers:
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You already signed one? It's got terms of agreement on it. See if this CRAP they're trying to pull is in the terms of agreement. If not, you're only liable for the first one.Tell them to screw off.
Good Luck!
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It's bait and switch on a credit level. See your consumer advocate. Attorney general...A car lease is 3-year. If I beake lease year, What 's gonna happen??
Do you belong to a credit union or are eligible to join one? See if you and your cosigner can get a loan at a credit union to finance the car.seek an attorney, THEY can't do that.
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I would say just return the car and look at other dealers.Well, one bank didnt approve you, then look for other banks. Some large banks like HSBC are much more strict when it comes to loan. Some smaller bank are less strict.
Another way to do it is talk to ANY bank for a car loan. Capital one is a good consideration. If approved, they will give you a Blank Check, and then bring it to the dealer, then the dealer will write the number on the check they give you. If you dont want to return the car. Blank check can be electronic... if you know what i mean.
Well... bad credit always gives ppl headache... but there is no one you can blame but urself.
Just remember one thing! The dealer wants to sell u the car more than you wants to buy it.
sometimes this happens... banks will reject loan afterward, If you want to confirm if it is true or it is a scam, call the bank that you are dealing with, and see if they really rejected you.
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Try too avoid the Lawyer step... it is a very minor stuff. lawyers only suck money out of ur pocket...
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Tell them you will consult your attorney and your co-signer's attorney and get back to them. I suspect they will not pursue the matter. Then report them to the Better Business Bureau.I think you should keep the car. also review your terms & conditions of the contract. that should give you a good feel of your situation.
They (the dealer) knew ahead of time they were going to do this. It's an old trick.
See an attorney.
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