Quote Originally Posted by Shedboy1971 View Post
Ok watch this could be a pseudo yo-yo scam - to get you settled in car then see a discrepency and get you to pay more interest (the fvckers can actually do that if full credit score isnt great). They are a shower of cvnts Arnold Clark. But its their fault they gave you the car.

Legally you got a loan in good faith - do you have the original documentation? with the in-lending itemizing your payments etc and total interest cost. Hope so as that helps.

Check your credit on experian as well.

Contact them immediately and ensure any resigning will be for the SAME terms. Next stage is to ask for down payment back, trade-in back and cost of alloys. Threaten a lawyer if needed.

Car dealers do have automatic credit scoring so if it is because of a signature discrepency then maybe nothing to worry about.
Just beware they charge higher interest.

As you have registered it the car immediately depreciates in value so AC should try and make sure this goes through.

Often It gets sent to underwriting and the salesperson and finance manager don't inform you it has been 'conditionally approved', and treat it and lead you to believe it's been approved. So the paperwork is important.

Dont worry If the dealer didn't have you approved with a lender they'd be hounding you or knocking at your door step as they'd be on the hook for that vehicle. They need to sort this in my view and it may just be a wording or signature as you said.

if it gets messy PM me.
Cheers mate. Lots of awesome info there. She'll have certain documentatiin, I'll need to ask her. I can't remember seeing any payment it wising when we picked up the car but I'd have to check.

She has fairly decent credit. Above average for the country on Clearscore anyway.

I'll wait and see what the second application comes up with before demanding the payments back but I'll certainly be asking for everything.

Yeah, it's wierd that they are happy for her to keep driving about in the car just now while they try and sort stuff out. I guess we'll see what happens in the next few days.