As I said before I ultimately made the poor decision of getting myself in this mess to begin with. Also, when the dealership was under previous ownership they were pretty laid back with no pressure at all and I had gone multiple times with no intent of ever purchasing a vehicle and I guess this time it really came back and bit me in the ass.
The first car I ever financed and purchased my father was with me to make sure I wasn't just getting f--ked over. The second time I ever really dealt with dealership (with a legitimate intent to purchase) was when I tried to trade that car for an SVT. That time the dealership said I had approved and I could take the car home that night, but my father would not let me until it was actually confirmed that I approved... and I ended up not really approving and if I would have taken the car home like I wanted and the dealership stated I could I would have been stuck paying their stupid fees for having the car in my possession. That is why the day after I got the car I tried to leave it with the dealership until it was confirmed that I approved. I did not hear until about two weeks later that I had approved and I was calling the dealership pretty regularly to try to get this infomation because I wanted to inform the financial institution that they may have receieved false information. And Wells Fargo has not really been much help at all. Every time I call I get someone new, there is not one consistant person who will assisst me in all this from there. What it is a is big mess and most likely the most ignorant thing I could have ever gotten myself into. The thing that gets me is I received a number of letters in the mail from different financial institutions stating they would not approve me for this loan after they told me a particular financial institution they were going to go with. I want to know how many places they actually tried and how many different amounts they said I made before Wells Fargo finally got a hold of it and approved it. And the amount they said I made is so outrageous especially for someone like me (a 20 yr old who lives at home with his parents with no HS diploma or a GED). Wells Fargo is under the impression that I make more a year than my managers did.
If my father was still able to go to dealerships and look at cars with me I would have never gotten into this situation. That's why when I finally did buy my SVT I bought it from an older couple rather than going to a dealership because I wanted to be able to actually inspect every detail of it and not be pressured by salesmen and get the best deal for it which I did on my own but it was a whole different ballgame since it was a private party sale. If I could talk my dad into going to dealership I'm sure he'd have some words for them and this probably would have been cleared up the next day but because of his medical situation he doesn't like to go out in public. Also I think he's putting it all on me because it really is a learning experience not to get myself in situations like this and he has had to deal with high pressure salesmen and knew when to just walk away. He tells me every day I need to figure out what they did wrong and how to use it against them or to sell the car and even potentially take a lose for it because there's no way I can afford it right now.
As for driving the car I have driven back and forth between the dealership when I was trying figure out whether I really approved, I have driven it to get emissions and to my insurance place. For a little bit I was driving it around just being stupid because it was something different. Nothing major, just to the local convience store, but since I have not driven it. It just sits in front of my house collecting dirt.
For the most part I have been cooperative with everything such as getting emissions and insurance. EXCEPT... I did stop a check that the dealership had though because they wanted to hold it and the second day I went in they expected me to pay them 500 dollars which the check was for. I refused to pay though and then I put a stop on the check which last week they did try to cash but it was rejected. The first payment is due on the 4th and when I speak to an attorney I am going to ask whether or not I should pay that. Tomorrow (or today better) I am going once again try to speak to wells fargo and look into the things that were suggested and contacting an attorney. And maybe if I make some progress on getting rid of this headache of a car I might go work on my two credits of independent study I need to graduate since I am still in between jobs.
I truly want to thank everyone for your suggestions and advice. And yes I know I am a stupid kid and I would not survive in the real world!
