Legal Question in Consumer Law in Utah

Vehicle Contract Question

I am in the process of separating from my husband, therefore, it was necessary for me to purchase a vehicle. Without thinking, I went to the dealership (not a good idea when you're a 20 something girl who has never bought a car before), found a nice car that I ''thought'' I could afford and signed a contract to purchase the vehicle. I had previously notified my credit union that I was looking for a car. However, when they received the purchase order, they declined the loan amount because it was above highbook value for the car. I also found out the insurance on the car was way out of my price range as well. When I informed the dealership, they were very cold and said that I owned the car and that it was my problem. I did not put any money down, nor did I give them proof of insurance. I feel that I was manipulated and misled. I cannot afford the car payments nor the insurance. Can the dealership sue me? Is there a way I can break the contract. I know that I was very unwise in my decision making, but I need to know what my next steps are. I have received proof of the declined loan amount from my credit union and told the dealership that I did not want to finance through them. Please help if you can.


Asked on 12/23/03, 2:46 pm

1 Answer from Attorneys

Alvin Lundgren Alvin R. Lundgren, L.C.

Re: Vehicle Contract Question

I cannot advise you without looking at the contract. Generally, Utah law requires a vehicle dealer to void a sale when the dealer knows it is subject to the buyer obtaining financing - if the financing is denied.

Do not take delivery of the vehicle, and hold your ground. Make them enforce the agreement. Get the names of the sales people with whom you dealt that know you made an offer subject to your getting financing.

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Answered on 12/23/03, 2:59 pm


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