Legal Question in Civil Litigation in Maryland

Automobile Purchase

I purchased a 2007 automobile from a used car dealer. My father was to cosign for the vehicle, and he did. In the process the dealership decided that I could not be on the loan and my father should be on the vehicle himself because the bank wouldn't do the deal with me on the car. So, I thought it would be ok and for me to be a driver on the car would be no big deal so they let me keep the car to drive in my name in December 06. After completing all paperwork and the first months payment everything was finalized. But, it wasn't it was not my fathers knowledge that I would not even be a driver on the vehicle. The car dealership wants the car back and is holding my 1 months payment. The dealership wanted my father to lie to the bank, which he didn't and say that the car was just for him (he lives in alabama) which he didn't. We are confused because we have messages from the bank stating that the car is ours on the voicemail system. What are my rights in this case because I feel that the car is mine and the dealership made a bad deal, so they should fix it. I should not be the one responsible for their fraud.


Asked on 2/04/07, 4:24 pm

1 Answer from Attorneys
Robert Sher Wagshal and Sher

Re: Automobile Purchase

What evidently happened was that either a credit check indicated that you couldn't qualify, even with a co-signer, so the financing is unavailable, or if your intention was that a third party be the primary user of the vehicle, that was a problem for them, although insurance coverage should take care of this situation. This isn't a question of fraud. Perhaps the finance person at the dealership should have made it clearer to you that the deal was subject to credit approval. You will probably have to get your own financing to keep the vehicle.

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Answered on 2/05/07, 3:28 pm


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