EZ Auto Bozeman Finance When I bought a vehicle from EZ Auto in 2010, my boss was dying of cancer. I asked if I could refinance after his death to lower payments and they said it wouldn't be a problem then when he died they Bozeman, Montana

Verbal lie is fine by law if and only if no one can prove it. And remember that a proof is usually in a medium (written contract is one). In this case, yes it is fine. You fell into the trap and it is legal.

In your original report, you said you knew that your boss had cancer. At that point, you already knew your own future. Regardless it is near or far, you could have prepared yourself better. Also, you still had some times between the time your boss wasn't feeling well until he passed away. You could have tried to refinance while your boss was still alive.

Anyway, I am sorry that you have to learn the hard way. But please stop blaming all faults to others. Whenever you have a plan, you must try to come up with a plan B. Because you always relied on your plan A, you chose not and now you are paying the price.

Why did you set it up for larger payments if you expected you'd need to refinance? Why did you not set it up for four years with the smaller payment and just make larger ones while you could? That would have avoided any conflict AND saved you the potential costs of the refi.

For one thing, why do you care?  For another, I had no idea (and no one did) when he would die.  He could have lived until the car was paid off.  And if I could refinance it would be for four years instead of two and my payment would be under 300.  I tried many different companies to refinance but was not able to.  Strange to make a judgement on something you know so little about.

Sorry for the loss of your Boss and your job.  However, nothing you have described here is a RipOff.  Unless you have something in writing from them that guarantees you to refinance, just like when you deal with any car dealer if it is not in writing it was never said.

First if you were going to refinance(presumably to get a lower rate) why would you wait until your boss died?  Wouldn't you want to do that ASAP to save the most money?

Second if you knew your Boss was dying and you were going to loose your job why didn't you prepare a bit better.  That is instead of making "large"(and again presumably more than required) payments.  Why not put that money aside to help cover the payments when you did loose your job?

What payments were you expecting with a Refinance?  Because depending on your exact situation the payments may only be as little as $20-$50 less, and if you you had issues at $500 you are probably going to have issues at $450.

As for refinancing, why stick with them?  Why not look at other banks/finance companies to see if they will finance you?