Legal Question in Consumer Law in Ohio

Local car dealership, after I requested that they do not send my information to a bank for financing did it without my consent. I never seen the figures of how much there car would be or what my trade amount was. I did sign a credit application with the understand the slesperson would show me the figures and if we agreed it was okay than work on the financing. I had told them there are credit issues and unless we agreed to terms, not to inquire with respect ti financing. I left with out signing or acknowledging we had made a deal. I called the salesman and told him not to try and run it by a bank. I had no figures. Well, they did, and we received, both of us denial letters of credit. What can be done to remove the inquiry from the dealership and bank from our credit report? Also, can legal action be taken?

Thank you


Asked on 9/13/11, 1:18 pm

1 Answer from Attorneys
Eric Willison Eric Eastman Willison

In Ohio, this may well be a violation of the Consumer Sales Protection Act since 1) they had you sign a document saying that the would do something and then told you verballyl that they would not do it; and 2) since they told you that they would not do something and then they did it.

Under the CSPA, if you can prove a violation, then you are entitled to actual damages, plus attorneys fees and sometime treble your actual damages. Also, if you have no actual damages, you are still entitled to statutory damages of $200.00 per violation and attorneys fees.

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Answered on 9/13/11, 5:41 pm


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