I went to this car lot in Jan 2010. I told them that when I got my tax refund I would be looking for a car and possilby do a trade in. They had me fill out an application and told I was "approved" with 1,000.00 down. I drove a 1999 Ford and liked it but noticed the check engine light and rough driving. they assured me it was nothing and they would have it fixed by the time I had money. They told me that they needed a 200 check to hold the car and not sell it. I gave them this. they stated that it was refundable. In Feb. I recieved my taxes. I had been talking to the car lot all along. They met with me, I stated that I wanted to place 3,000.00 down and finance the rest. They took my check for 3,000.00 but said it was too late in the day to get the paperwork done and the manager was not there and he had they key. I trusted them. They said they would hang on to the check until I came back Monday to get car and do paperwork. ( I realize that by now you already think Im an idiot, I was naive). I was blown off on Monday with some excuse, Tuesday the saleman called me at my home and began pressuring me to pay the whole car in cash (total cost 8,000.00) He told me that he used to clean up people's credit and he could teach me how. I stood firm and said that I wanted to pay 3 grand and finance the rest. they advertise that they have in house finance with no credit check, however he began telling me that my credit had medical bills on it. we made plans to meet thur, when i got there i was told he wasnt at work, the owner began pressuring me to pay cash that they knew i got a lot back on my taxes. they offered to finance my fiance for 500 down if i would pay cash. owner said i would need to give him another 1200 before i could have car. i said, no i can;t. he then told me i couldnt have the car. i asked for that down payment check back he told me no because he held car. i reminded him that i paid holding fee already. i told him i would cancel pymt. he got in my face and stated that he would prosecute me for "federal offense". i called the bank and learned that he had already cashed check. i left crying and he told me "tough s**t". i have filed police work and intend to sue, I am now getting phonecalls from blocked numbers giving me what i feel is vague threats. I have no car, no contract, and they have 32,000.00 of my money. I am a hardworking mother of 4. i am a nurse, I work with the elderly and it is in my nature to trust people, i know I should have been suspicious but I wasnt.