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Question DetailsAsked on 6/19/2016

I bought an use car 2012 Mazda with 20,000 miles and they put a warranty without asking me, the total cost $19,000.

They rushed me to buy the car but a friend said the 2012 used car should have cost me$12,000 and not $19,000. She said with $19,000 I could have bought a new car. At that time I was grieving and very emotional but I needed a car. I am a senior citizen and I would like someone to help me, I feel like an idiot to have left the salesman rush me and now I don't know what to do. I feel scammed. What do you all think I could do?

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You don't say what model car you have and what options, but yeah - $19,000 for a 5 model year old Mazda even with warranty would seem pretty high for a normal car.


Unfortunately, since you presumably signed the paperwork including the warranty application, you are starting off with a tough nut to crack. Of course, if they added the warranty after you signed the paperwork - either to your credit card or added it criminal fraud.


You don't say how long ago this was - google the following two search phrases (putting in your state's name for STATE of course) to see if you are within a mandatory "cooling-off" or right to cancel period - typically (if your state has one) 3-7 days. There is no federal cooling off period on cars unless possibly if you signed the paperwork at home or away from the dealer's usual place of business - which is not likely your case. In fact, because of the lobbying by car dealer and manufacturer organizations, cars are one of the hardest items to return or cancel a deal on.


STATE mandatory cooling-off period for cars

STATE car purchase revocation time


If stilll within that time frame read the procedures and do the formal notification to the dealer (or return the car or whatever is required in your state) in the form required by law - I would have your friend along to be sure they do not get you to sign something additional that will cost you more or lose you some of your refund.


If a very recent purchase you could stop payment on whatever amounts you paid - but doing that puts you in default on the contract, so unless you were successful in getting them to unwind the deal, or prevailed in a scamming/fraud claim, this would end up getting the car repossessed and severly damage your credit rating, plus cost you MORE money if you did not win - so I would not do that without the advice of an attorney.


If you really think you were scammed, contact your local prosecuting attorney's office or District Attorney's office (city or county as applicable) and ask to talk to the person who handles scams and elder fraud. Unless they out-and-out changed pricing or such AFTER you signed the paperwork a criminal scamming charge is unlikely, but some areas have strong provisions for financial abuse of elders - taking advantage of them.


You could also contact the lender (if not the dealer) and see if they can help - like if you took a loan from a bank or such - but I doubt they will be able to do much for you unless the loan has not yet been approved, in which case they could void it.


You could also of course talk to the owner/manager at the dealer and tell him you feel you were improperly pressured and want out of the deal - if a used car lot, good luck with that because pressuring people into paying more than they should for a used car is pretty much their business. If a brand name dealership, they might be more reasonable.


Depending on your situation, talking to an attorney who deals with consumer fraud and contracts might not be a bad idea, though another $500 or more out of pocket just to have him/her glance over the papaerwork for obvious problems with it that could give you an out. However, if the dealer/salesman failed to give you mandatory state or federal car purchase or loan disclosure forms for instance, you could have an out.


Here is a link to an article on the subject from Edmunds.com (where, like at kbb.com, you can lookk up the normal used value of your car) -


http://www.edmunds.com/car-buying/unw...

Answered 2 years ago by LCD




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