Asked in Consumer Law for Kentucky

Q: Is it legal for a dealership to withhold my car that is financed through the bank when I have been making payments?

I financed a car and it began overheating in less than 24 hrs of having it. The dealership kept it for over 2 months stating that it was fixed and 2 days after having it back the same issue occurred and they placed it back in their shop. During the first period of getting my car fixed, I was given a loaner car that was hit in my parking lot over night. I filled it with my insurance to get it repaired and am waiting on an estimate. They are now refusing to give me my car or fix it. Is it legal for them to do so with it being financed through the bank and I’m making payments on time each month?

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1 Lawyer Answer
Timothy Denison
Timothy Denison
  • Consumer Law Lawyer
  • Louisville, KY
  • Licensed in Kentucky

A: Yes. They have a lien on the car securing all work they do. This has nothing to do with the car loan and car payments.

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