Legal Question in Consumer Law in New Jersey

Re: Commerical vehicle lease agreements

It depends on the facts of your case. You need to consult an attorney to find out what your rights are under your specific facts. If you have the copy of the retail installment contract that does not contain the altered info, then it should be easy to prove.

Re: Commerical vehicle lease agreements

First, in this forum, we can only comment on the limited facts given. You should consult with an atty.

Next, I am assuming youy have a copy of the original agreement (never sign ANYTHING without getting a copy of it!!!). And/or you have some writing and/or witnesses, otherwise it's hard to prove a change in the contract documents.

I would put your complaint in writing and demand they honor the original agreement, restating the terms to which you agreed, and note the changed terms (YOUR current contract states $XX/mo. for 36 months, but the agreement I signed stated $XX.mo. for 32 months - whatever they were...). Include a drop dead date, say 5 business days to respond in writing to you. If they do not comply, file a complaint with the police (they won't want to take it, but it is not their choice, tell them you are not asking, you are telling them to take the complaint - type up the facts ahead of time to give the police - be factual, NOT emotional), report them to the NJ Div. of Consumer Affairs, the NJ Atty General's Office, the Commisioner of Banking (which controls ALL loan agreements). Tell the offending party who you will speak with if they do not adhere to the original agreement.

You can also file a civil suit, to compell them to abide by the original agreeement, and for Consumer Fraud, which includes attys fees as well as treble damages.

Going the legal route IS NOT FUN OR PROFITABLE. Try it the easy way first!

Good luck to you.

Kevin J. Begley