PATRICK1903
New Member
I purchased a truck from a buy here pay here dealership 10-20-2011 i was told cash price would be 5k and if they financed the truck for 24months it would be a total of $7090.00 i agreed and we did the paperwork- i put 2k down to lower my payments- they did not have me sign a financial agreement- i did not know until recently this was required- i paid more than my monthly agreement to pay off the truck sooner... I missed a payment thinking i was ahead on my payments a year later- and recieved a notice in the mail of my missed payment but the begining balance was 8070.00 with my 2000.00 down payment already taken out. I tried to disucss this issue with the owner and he told me i owed intrest and the lady that did my contract is no longer working there- i looked over my contract and called them back to pay off the truck 6 months later when the truck should of been paid off (according to the contract i recieved)- the owner advised me of the balance due for payoff we did not agree so i stopped paying them and the truck was repoed 10-2013- i kept everything i recieved from the dealership and never signed a financial agreement what do i do now.
