Legal Question in Consumer Law in California

What they are attempting is called a "yo-yo sale," a common scam in which you would be called in and told you had to pay more in financing. But they missed the 10 days, like you said. For $100 I would be happy to write the dealer a letter on my letterhead telling them to go pound sand, and promising a lawsuit if they were to now do something stupid like repo your ride. On your end, you are going to have to be able to prove you make every payment on time -- get a bank check payable to the dealer for each payment, and send it certified mail RRR five days before it is due.