Legal Question in Consumer Law in Virginia

Bought a truck on 3/21/10. Told them I wouldn't take the truck if the finance company was Capital One. I said Capital One was a deal breaker. They told me it was going to be Wachovia at 9% interest. Signed all the papers and took my truck home. Yesterday, they call and tell me they were able to lower the monthly amount and I needed to go into the dealership to sign some new papers. I went and then they told me that Wachovia didn't approve me and that they had to go with Capital One at 13% interest and I needed to give them another $1,000.00. They said that to get me the deal they lowered the amount of the truck for me. I told them forget it and I want my old truck back. They said they can't do that because they sold my old truck to a wholesaler. They convinced me that there was no other way out. Brought me down to giving them $500.00. I was so upset driving the new truck home. Sounds like a bait and switch to me and I was forced to get the other truck.


Asked on 3/26/10, 1:34 pm

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

Yep, sure sounds like the ole "bait and switch" routine that car salesmen seem

notorious for, i.e., you were baited with one deal for the new truck, and then switched to another a day or two later that will likely cost you thousands of more dollars than the cheaper one that you thought that you had already settled on for this particular truck.

You might want to arrange for a consultation with a local attorney who handles consumer affairs type matters to determine whether you might have a basis to sue for recission of the second contract, and, perhaps, for violations of the Virginia Consumer Protection Act, possibly, the Federal Truth In Lending Act, the recovery of your attorney's fees and who knows what else.

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Answered on 3/31/10, 8:35 pm


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