Auto Source America Bait & Switch. Approves you for loan, you drive the car off, they call you days later demanding more money down. Bakersfield California

This "d**k" from Mankato, Minn. is giving arguable advice. An attorney would provide more accurate advice; however, you will probably go through what all "duress contract" (rather than "spot deliver") victims to through.

If you go to a law firm, the lawyer will know exactly what to do and he or she will require a deposit of some amount of money (retainer) to begin an action. You will then be acquainted with the facts that you are going up against some very rich people that have strong financial backing. That will kool you off a little.

Then you will do as most of us have done and that is to try to locate the services of some city, county or state agency that is supposed to protect consumers from fraud. After all, you are paying taxes everyday to support these agencies.

After spending a few weeks of precious time, those city, county or state agencies will then advise you to engage an attorney. So you are back to step one.

You could purchase the Rip-off Revenge book for a few dollars and ask Ripoff Report to provide you with contact info for Mr. Stick Bogard who has been effective in assisting some people for some types of problems.

But my feeling is this: get an attorney to file a class action lawsuit. You may need to assist the attorney in rounding up other injured people like yourself. Ask your attorney if they can be in other states. He may be able to file an action in Federal Court because everybody may live in different states.

Begin with an attorney that you know and trust, and who is competent.

What would really be helpful is if you can locate the necessary amount of injured people that all purchased the same kind of vehicle... like 20 victims that bought a Chrysler made car from some Chrysler dealerships.

After all, didn't lawyers break the Catholic Diocese around the country by naming them along with the churches and church school that employed priests that abused students?

Your lawyer may advise the same type of action. Naming the auto manufcturer and the financier like GMAC or Chrysler Financial or Ford Finance or whatever may give extra power to the claim of your group.

But you should know that you are going to be asked to sign another contract; and you will sign because if you don't they will take your car and leave you walking.

Ask your lawyer about the voidability of contracts signed under this kind of duress.

There is another element that your lawyer can advise you on, and that is the existance of a "fiduciary relationship." Your relationship with the dealer that sold you the car may have been merchant/customer during negotiations; but once you filled out, signed and applied for credit and appointed that dealer to arrange (broker) the financing of the auto and various insurnaces for the auto, your relationship with the auto dealer may have changed to a fiduciary.

Your lawyer will explain that to you. If that is the case, the dealer my have violated a trust. Remember the dealer is going to claim "entitlement" to a fee, or profit, or some kind of payment for arranging the finacning and insurances. In America the dealer is certainly entitled to profit from the sale of cars. But this business of shopping financing and insurances for additional fees may not be included in that profit. State banking and insurance laws my be involved here. Ask your lawyer. State laws may require disclosure. Good Luck. Ted, Scottsdale, Az.

I approve all of the loans for auto dealers with my Bank. I usually work Saturdays, and most of my dealers have access to me via cell and it is not uncommon for me to approve a deal over the phone after normal business hours. In addition, most lenders have special plans in effect for very creditworthy borrowers where there is no need for a preapproval. If plan guidelines are met, the lender will never even be aware of the deal until they receive the contract. I appreciate the fact Nikki that you are trying to be helpful here, but there are times financing is approved after normal banking hours.

Banker John

Many years ago when I financed my first car, I was called 1 week later and told we had to put down another $1000 to get financed. We went into the dealership and told them we did not have the money. They tried everything they could think of, but we really didn't have the money. Then they asked what other options I had. I told them to take the car back and give us back our trade. In the end, they reduced the price of the car by $1000. I don't think dealerships are that nice anymore since this was over 15 years ago.

This same thing happened to my brother, but he got strong armed into paying the additional money.

This is advice to anyone buying a car. Do not take the car home in the evening, after banking hours (say 4:00 pm) or weekends. The financing is not final unless it is done during normal banking hours. The dealership can look at your credit report and believe they can get you financing, but until the answer comes back from the finance company, never drive the car off the lot. Tell them you will come back the next business day and finalize the paperwork, after the loan company has approved all the terms.

From what I've read on ROR, I think the dealer's next move will be to report the Jeep as stolen.

What they've done is a spot delivery. Very common scam, I've seen dozens of reports on ROR.

Without financing, you don't really own the vehicle. It hasn't been paid for, contract or no contract. You'll either have to put more down, or return the Jeep.

I know that's not what you want to hear, but I don't see any other alternatives.

Good luck.

From what I've read on ROR, I think the dealer's next move will be to report the Jeep as stolen.

What they've done is a spot delivery. Very common scam, I've seen dozens of reports on ROR.

Without financing, you don't really own the vehicle. It hasn't been paid for, contract or no contract. You'll either have to put more down, or return the Jeep.

I know that's not what you want to hear, but I don't see any other alternatives.

Good luck.

From what I've read on ROR, I think the dealer's next move will be to report the Jeep as stolen.

What they've done is a spot delivery. Very common scam, I've seen dozens of reports on ROR.

Without financing, you don't really own the vehicle. It hasn't been paid for, contract or no contract. You'll either have to put more down, or return the Jeep.

I know that's not what you want to hear, but I don't see any other alternatives.

Good luck.