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I bought a car from a private dealer (he has a dealer’s license but just buys cars from auctions, fixes them up and sells them.) So the total price of a car is ,000 and I’m making payments of 0 every two weeks. I put 0 down on the car on October 9, 2010 and I was set to make a payment on October 16, 2010. I was sick so I didn’t go to work that Friday or Monday so they mailed my paycheck. I informed the guy of this and he said okay. So the mailman runs on Tuesday, and of course the check comes.So I go to the bank and cash the check and get a money order. My mom drops me off at the orthodontist (I’m 17 by the way) and proceeds to contact him to find out his address and when she can drop off the payment. My dentist appointment was at 4:15 and he said he had to leave at 4:30 so my mother tells him that she wouldn’t make it to where he lives in just 15 minutes so let us know when he gets done doing whatever it is he was busy doing. Then he gets upset saying he needs it now and so on. Then he tells her he isn’t accepting anything from her because he has no business with her. So we go down to his house and I try to give him the money order and he says he’s not taking it because I breached the contract. The next day (yesterday) I park my car at my sister’s house to go in and grab some books for class, my nephew is still outside in the car. I walk back out to see him in my driver’s seat taking off with my car! My nephew said that he threatened him to call the police if he did not give him the keys. My nephew being only 9 did so. Now he’s texting me saying that I need to bring him ,100 in cash by next week. He won’t let me get my belongings out of the car or anything! He repossessed my car when he was the one refusing the payment! What do i do? I put 0 down and only had the car for a week and a half! I either want the car or I want my money back! He said he won’t accept the payment of 0 I either bring him ,100 or I don’t get the car. A lot of people are telling me that the contract was void because I am a minor and the cosigner was not my legal guardian. I don’t feel like taking him to court and all of that. The question is, can he just take it like that. I looked it up and he was supposed to send me a Right to Cure letter 10 days after a missed payment. What do I do? I’m in Nebraska by the way.

2 Comments »

1. 

   What did you look up?
   Do you have a contract? What does it say?
   There may be a 10 day grace period on some loans, but when you are dealing with private parties or ‘buy here pay here’ lots, then it often doesn’t apply.
   These places make most of their money by repossessing cars after people are a day late and then re-selling the, because they know their customers’ cannot get a car loan anywhere else.

   Unfortunately, what he did is probably legal and a court would determine that your deposit was used to rent the car. Since you technically breached the written contract, there is nothing you can do.

   If anyone is going to be responsible for the outstanding balance and take a hit on their credit, it will be your co-signer. He can’t do anything to you because you are a minor and legally, cannot enter into this contract.

   Comment by Stupid Flanders — October 28, 2010 @ 6:45 am

2. 

   1 whose name on title?
   2 sue him small claims court
   3 all the crap about dentist appointments is just crap.. just tha facts count..4 at age 17 YOU can’t sign a contract [by law] but your co signer is libel..[fool]
   any way this turns out is trougle,

   Comment by pedro7of9 — October 28, 2010 @ 6:45 am

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