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Miss signed agreement
Hi I have bought a car through finance from the dealership.
when I went to the shop they have shown me the cars available and I have chosen one worth £10500. I said I am interested and I payed a deposit of £500.
The dealer has found a way to get the car for me. He said he is going to get "deposited" or secured, by my bank for this 10500 with no extra interest. It seemed reasonable, baring in mind I said they know what they are doing when the reason o wanted to get one through dealership was because I don't know that much about cars. Then he told ,e to go with him to sign the papers and I can drive off with the car next day. He explained that I will have to pay this amount of money in 5 years time which is in 61 monthly instalments... I haven't realised what was actually the amount he was saying because he was explaining about the warranty which brought me to dealership from the first place and how many years I will have guaranteed and the interest which price wasn't explained.. he said I will have to pay £264 monthly but I have looked through the papers and signed in rush telling myself everything is explained...
I drove the car off next day went happily to work... and I had to sign up online to check the finance when I saw that I have to payback a huge amount of £15000... this amount wasn't mentioned in the shop... I wasnt happy with this purchase and i would have still give the world to get rid off it. I contacted the finance saying I haven't found a paper in my documents saying I agreed to this huge amount and that the ANUAL INTEREST wasn't mentioned when I agreed to the purchase.
They said they cant help me with the papers. I was sp hard trying to find this paper of the instal,ents but because I was so under shock I just couldn't, so I thought the best option would be to call them up and communicate with them. I told them I am not happy with this and they told me I need to speak to the dealer. So from the finance advisor I tried to contact the dealer and I couldn't get hand of them. I called over and over and had no luck, I left messages over ,messages and had no luck, I went to the shop and been told there is no advisor so I left my details and yet they didn't called me back. After 3 month I wanted to request a service check for my car. Because I forgot that I need to call Volkswagen shop, I called the dealership from which I bought the car to advise me.
The workers were having fun in the background laughing telling me they cant help me out. I said I am trying to solve my problems and they are not just not helping me... phone got hanged up... i requested calls over calls from their online chat and still... nobody called me back. 3 weeks ago I waited 1 hour to get to a leader who told me they cant help me out with service in any way...
. I started having panic attacks... the money as the money, i might not have a way out but they are playing me as a customer the way they want???? So as soon as I mentioned something that they might not like he suddenly started telling me his a new worker (OKAY....SO???)... after that phone call I couldn't breath and I scared my boyfriend as well... I forgot to mention I also called the finance after 2 months explaining that I find it absurd to pay this huge amount of money and I am scared it won't be affordable because had to change jobs... they said Oh well that 14 days of agreement is gone... well I know... but I called 10 days after they you haven't mentioned anything about it???
Just this week I said i will call volkswagen from where the car originally been dealed to the shop I bought it from and will try to book a service with them...
now because of this lockdown luckily I have a break but my anxiety on this is getting worse and worse, like I tear up everytime I think about it???
Has been a rushed decision but it hasn't been verbally explained all of it.. my boyfriends is willing ot get his dad help out who was thinking to bring in a solicitor but I don't want to feel like i am wasting their time??? It's a very bad impression I am doing here, baring in ming my boyfriend is about nothing but self assurance...
Is there any way out of this? Can I attack them if I finally get in touch with them with the way they didn't communicated?
What about the fact that I find it unaffordable anymore? I am trying to do my best... but changing jobs over and over it's just not good for my mental health... I don't feel fitted since this started neither in my own bed...
Any advise?
when I went to the shop they have shown me the cars available and I have chosen one worth £10500. I said I am interested and I payed a deposit of £500.
The dealer has found a way to get the car for me. He said he is going to get "deposited" or secured, by my bank for this 10500 with no extra interest. It seemed reasonable, baring in mind I said they know what they are doing when the reason o wanted to get one through dealership was because I don't know that much about cars. Then he told ,e to go with him to sign the papers and I can drive off with the car next day. He explained that I will have to pay this amount of money in 5 years time which is in 61 monthly instalments... I haven't realised what was actually the amount he was saying because he was explaining about the warranty which brought me to dealership from the first place and how many years I will have guaranteed and the interest which price wasn't explained.. he said I will have to pay £264 monthly but I have looked through the papers and signed in rush telling myself everything is explained...
I drove the car off next day went happily to work... and I had to sign up online to check the finance when I saw that I have to payback a huge amount of £15000... this amount wasn't mentioned in the shop... I wasnt happy with this purchase and i would have still give the world to get rid off it. I contacted the finance saying I haven't found a paper in my documents saying I agreed to this huge amount and that the ANUAL INTEREST wasn't mentioned when I agreed to the purchase.
They said they cant help me with the papers. I was sp hard trying to find this paper of the instal,ents but because I was so under shock I just couldn't, so I thought the best option would be to call them up and communicate with them. I told them I am not happy with this and they told me I need to speak to the dealer. So from the finance advisor I tried to contact the dealer and I couldn't get hand of them. I called over and over and had no luck, I left messages over ,messages and had no luck, I went to the shop and been told there is no advisor so I left my details and yet they didn't called me back. After 3 month I wanted to request a service check for my car. Because I forgot that I need to call Volkswagen shop, I called the dealership from which I bought the car to advise me.
The workers were having fun in the background laughing telling me they cant help me out. I said I am trying to solve my problems and they are not just not helping me... phone got hanged up... i requested calls over calls from their online chat and still... nobody called me back. 3 weeks ago I waited 1 hour to get to a leader who told me they cant help me out with service in any way...
. I started having panic attacks... the money as the money, i might not have a way out but they are playing me as a customer the way they want???? So as soon as I mentioned something that they might not like he suddenly started telling me his a new worker (OKAY....SO???)... after that phone call I couldn't breath and I scared my boyfriend as well... I forgot to mention I also called the finance after 2 months explaining that I find it absurd to pay this huge amount of money and I am scared it won't be affordable because had to change jobs... they said Oh well that 14 days of agreement is gone... well I know... but I called 10 days after they you haven't mentioned anything about it???
Just this week I said i will call volkswagen from where the car originally been dealed to the shop I bought it from and will try to book a service with them...
now because of this lockdown luckily I have a break but my anxiety on this is getting worse and worse, like I tear up everytime I think about it???
Has been a rushed decision but it hasn't been verbally explained all of it.. my boyfriends is willing ot get his dad help out who was thinking to bring in a solicitor but I don't want to feel like i am wasting their time??? It's a very bad impression I am doing here, baring in ming my boyfriend is about nothing but self assurance...
Is there any way out of this? Can I attack them if I finally get in touch with them with the way they didn't communicated?
What about the fact that I find it unaffordable anymore? I am trying to do my best... but changing jobs over and over it's just not good for my mental health... I don't feel fitted since this started neither in my own bed...
Any advise?
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