SilT
New Member
- Jurisdiction
- Utah
I recently made a purchase on 11/07/19 for a Pre-certified used 2018 Dodge Journey SE FW sports utility vehicle. Ken Garff used their in-house financing had a finance manager review all supporting documents. The sales representative advised me to put my income amount a different amount than what is on my supporting financial documents statement which I signed. I was able to access supporting financial documents via their internet. I have the following forms Law 553-UT-ARB-eps-14 11/15 (RISC) Retail Installment Sale Contract - Simple Finance Charge (With Arbitration Provision), Motor Vehicle Contract Of Sale, Buyers Guide Implied Warranties Only, Odometer Disclosure Statement, AdvantageCARE, GAP Waiver. They said that I needed those type of coverage for this type of loan and that it wasn't optional. I received a phone call on 11/29/19 from the finance manager stating that the finance fell through and I was given the option to come into the office with a co-signer to re-apply. My down-payment is scheduled to be deducted on 12/06/19 in the amount of $500.00. I asked if I can return the vehicle and the finance manager said I would be responsible for the mileage usage, tailoring of vehicle, fees etc. I have a recording of the finance manager saying that he knew that the amount I make is less than what was being reported and still submitted the paperwork in my behalf. I told the finance manager that he is a certified finance representative and should know per supporting documents if something all information received and submitted are accurate. I mean they are representing me this was a in-house process. Ultimately, I want to return the car without any cost repercussions. Based on that phone call he didn't sound like he wanted to make things right and cancel the contract and write a statement leaving me with no liability of cost for usage during the time of 11/07/19 to now. Also, on the back of the pg 4 of 4 of the LAW 553-UT-ARB-eps-14 11/15 Form there is a Seller assigns its interest in this contract to Chrysler Capital (Assigned without Recourse) what does this mean? I'm very exhausted and overwhelmed that this kind of transaction can still be allowed. Please, I'm drafting a breach of contract letter before action as they led me to believe that I had purchased and finalized a financing bank with my vehicle. I submitted a BBB consumer review, I hope to get a response. Feel free to let me know if you've been in the same situation and hope the best for everyone -Thanks
Image of the contract:

Image of the contract:





