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This_Neighborhood511 OP t1_j6okz76 wrote

Reply to comment by [deleted] in Down payment refund on car by This_Neighborhood511

Ok so I got absolutely robbed I’m currently trying to get a copy of the original finance contract from the dealership how can I start the process off getting it back

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t-poke t1_j6ol3uj wrote

I highly doubt you got robbed, you are likely not interpreting the numbers correctly. The sales contract will lay everything out.

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This_Neighborhood511 OP t1_j6olb3m wrote

Maybe I am is there anyway once I get the paperwork I can block out personnel information and ya can show me where I’m misunderstanding

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1hotjava t1_j6onbcu wrote

Never get rid of the paperwork when buying a car. They don’t have to provide you copies after the fact so you are at their mercy to actually provide it.

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This_Neighborhood511 OP t1_j6oniv2 wrote

Thank you for letting me know I’ll take this information and definitely use it in future financial decisions I appreciate it and thank you for replying

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BoxingRaptor t1_j6omutb wrote

When did you finance, and why do you not still have your own copy?

Anyway, the numbers should all add up very clearly. There should be a line by line breakdown of what it is that you're paying for.

Most of the time with threads like these, it turns out that the OP signed up for a warranty plan and didn't realize it. Those can usually run a few thousand, so that may very well be what happened. If that turns out to be what happened with you, you can usually cancel those warranties.

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This_Neighborhood511 OP t1_j6onbmm wrote

I’m not gonna lie to you I just turned 21 I don’t know much about finances and just recently took an interest in it cuz I’m welding now and I wanna secure my future and lost my paperwork when I was moving out my mom can’t find it either

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BoxingRaptor t1_j6oohlu wrote

Understood. Just try not to panic. As everyone is saying, it's highly unlikely that you actually got screwed here (well...not more screwed than a dealership is normally expected to screw, anyway). The "missing" $4,000 is almost certainly various taxes and fees, and possibly some type of warranty. The taxes and fees you can't do anything about, that's a part of buying a car, but if you did sign up for some sort of warranty, you may be able to cancel that.

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This_Neighborhood511 OP t1_j6ooykm wrote

Thank you I’m not l trying to panic that’s just a sizable amount of money for someone in my position and age I just wanna make sure my hard earned money was used and applied properly and didn’t just line someone’s pockets as a bonus

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Celodurismo t1_j6owe2m wrote

>once I get the paperwork

Bro you got the paperwork already, they gave you a copy when you got the car. Did you get rid of it?

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This_Neighborhood511 OP t1_j6owndq wrote

I did it got lost in the process of moving I asked my mother if she had it I looked everywhere and can’t find it

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HenryKringle6000 t1_j6oqk8k wrote

They should have handed you an envelope with a carbon copy of the sales agreement. It’s not in your glovebox?

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This_Neighborhood511 OP t1_j6oqw0t wrote

No that’s the packet of paper that got lost while moving I didn’t keep it in my car cuz of the sensitive information but I definitely didn’t have it put away properly and I really regret that currently seeing if the dealership is willing to provide me with a copy its been less then a year so there is no way that they trashed it but they are apparently not required to share that with me so I’m hoping that they will give me that information

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HenryKringle6000 t1_j6orig4 wrote

They probably charged add-ons as well… wheel locks, all weather floormats, paint protection, etc, etc. That’s how they make their money.

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