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Joined: 28 May 2008
Diane_Caldwell's page
Posts: 1

48 Magic Points

Subject: Car Loan thru Wells Fargo
Posted on Wed May 28, 2008 5:52 pm  

Once you have signed a loan application. Can you back out of the deal? I purchased a car yesterday, and the pmt is to high for me.
Epperson said once I signed. The deal was done!!!
No changing mind or getting a cheaper car.
HELP!!! Is there a time limit to change my mind?


Joined: 21 Jun 2007
Laura's page
Posts: 1327

37161 Magic Points

Posted on Thu May 29, 2008 8:20 am  

Hi Diane
the federal law does necessitates the dealers to give used cars a three day right to cancel (cooling off period). However you can return the car and take refund of your money only if the dealer gives you this privilege. Before purchasing the car you should have asked your dealer about the return policy and should have got it in writing.


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Thu May 29, 2008 9:13 am  

I agree with Laura on the point that unlike housing loans, car loans do not necessarily have a cooling off period and so it is advisable to know the return policy or the money back guarantee policy of the dealer before purchasing and get it in writing.

Use your credit account responsibly and enjoy a debt free life.
Mr.Larry Joseph

Subject: I can personally help you to get out of that debt now.
Posted on Thu Jun 12, 2008 10:25 pm  


I am Mr.Larry Joseph, UNION ALLIANCE FINANCE LIMITED.A private Loan lender and a corporate financier for real estate and any kinds of business financing.We offer Loans to individuals,Firms and other cooperate bodies who are in need of financial help or assistant at a reduced interest rate.Loan terms determinant,and Capital is based between the range of $1,000 and above,Loan for developing business a competitive edge/business expansion.
Are you homeless?
Are you broke and needed funding?
Is your car broken down?
Do you need a reconstruction loan?
Is your finance going down the drain?
Is your business liquidating and folding up?
Name In Full:....................................
Mobile/Phone Number:.............................
Amount Needed As Loan:............................
Loan Duration:....................................
Purpose For The Loan:.............................
If so, then count on us for an affordable and reliable loan services that will give you the comfort you need as we are ready to fund you with any amount you so need and desire.
Contact us at:[deleted] violation of forum rules - Richard
Mr.Larry Joseph.


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: debt
Posted on Sun Jun 15, 2008 2:56 pm  

Multiple posts with this one.


Joined: 31 Jul 2006
anthony's page
Posts: 516

13624 Magic Points

Posted on Mon Jun 16, 2008 8:40 am  

Yeah I too found a number of post made by Larry Joseph. this is I think a promotional post and so Richard has deleted it off.
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1916 Magic Points

Subject: car loan
Posted on Mon Jun 16, 2008 9:35 am  

Did the dealer clearly explain what the monthly payments would be, DIANE?? I know sometimes we get 'caught up' in the excitement of getting a vehicle, etc. Just need to look at what you sign.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

623 Magic Points

Posted on Tue Jun 17, 2008 3:28 am  

Yes, definately, they can hide the stuff in the fine print that will come back and bite you later. I don't purchase any extra warranty or any of the extras, except for the gap insurance and that is only because I purchased the vehicle in the middle of winter.
for all the ways I make $$ online

Joined: 07 Sep 2010
seolss11's page
Posts: 9

63 Magic Points

Subject: hi
Posted on Wed Oct 06, 2010 10:10 am  

hi Diane

you must sure before sing the papers.. dear..but the federal law does necessitates the dealers to give used cars a three day right to cancel . so talk to them.. and try your best... :)
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