Can the Mini Cooper dealer demand a down payment days after i sign the papers and drive off the lot?
Help! My girlfriend finally bought the Mini Cooper she had been dreaming of this last saturday and had her new car joy ruined today by the dealer asking for $2300 more!
A quick run down: Found the perfect Mini with all the options last friday night. She went back first thing Saturday morning and tried to make a deal. She got free floor mats:( paid sticker 25700, bought gap insurance, extended warranty & Lojack. Said she didnt want to go over 30k. Walk out just under 32K. $490 a month for 7 years!!
Today, South Bay Mini calls and says the bank didnt approve that amount and she must bring in $2300 or go to her CU.
Is this a joke?! Are there hidden cameras set up waiting to see my reaction?! Are they cheating, lying bastards that need to squeeze $2300 more out of her?
My question: Can they do this and if yes can we give them the car back and not face a cancellation fee, bad credit reference, etc?
Any help will be greatly appreciated.
Thanks in advance.....
Yes they can ask for more money down because they didn't get a full call or all the money needed from the bank approval. On your contract there is a box that says "sellers right to cancel". Basically that means the dealer has 10 days the get you approved as written on the contract or the contract can be voided and the car returned. So here are your options:
1) Take the car back-they don't want to lose a sale so negotiate the price with them again. If she paid full sticker price then there is room to negotiate. Trust me they don't want the car back.
2) Cancel the extended warranty and Lojack. Keep the Gap it is very important. You can purchase the warranty for cash before the car hits 12,000 miles. That is when the prices for warranty's increase.
3) Have her go to her credit union if necessary. She may get a better interest rate anyway.
4) If you decide to give the car back there are NO ramifications towards her. She will get every penny back that she gave as a down payment and no harm will come to her credit history.
Feel free to e-mail me if you have any other questions. I assume that since you said South Bay Mini-then you live in So Cal? Let me know because I can try to help you.
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