Monterey Financial / Doing business with Fur Babies in Lake Wales Fl Pet Funding and Credova Financing. Turned a pet purchase into a lease without my consent 

I purchased a puppy at Furbabies at 963 Eagle Ridge Drive, Lake Wales Florida, in Eagle Ridge Mall. I made the purchase on 1-30-2019. I signed all the hard copies, above the word “purchaser”. I specifically ask the owner if it was a finance because I had read an article about pet leasing. She told me that she doesn’t do leasing, that it was a purchase.

She then gave me an iPad type device, to sign and initial in several places. She scrolled down through the microscopic words to where I needed to sign and initial. She did NOT go over any details of my contract, she offered no information at all, and again, assured me that it was NOT a lease.

I brought my puppy home, then today, 2 days after my purchase, I get an email from Monterey Financial, starting it was a lease. It states that after the initial cost (1,150.00) that I would have the option to purchase the dog for 184.67 plus official fees, and taxes. What does that mean? Official fees?

I had no idea that I was getting a lease contract. I received an email, two days after signing a purchase contract, so where in between it turned into a lease. What happend to the “truth in lending.”

Credova, was who I applied through, then pet Funing, and Monterey comes on board. I am just sick over this. The owner specifically said, it was not a lease.

Also, I was told the 49.00 that was required at the time of purchase, was a deposit, why pay a deposit, when you’re actually purchasing? In my email from Monterey, it says the 49.00 is the first payment. First payment, or deposit? My daughter and granddaughter, was with me. I am not a Florida resident, I’m from WV.

Thank you for listening.