Monticello, NY asked in Consumer Law for New York

Q: Seeking legal advice with a car loan the dealer make many mistakes on

Car purchased in 9/2023 for months I have called the credit union listed on all my paper work but they don’t know who I am. Dealer says banks are delayed and to be patient. Today my co signer received a bill from a completely different credit union saying he has to make the payment. It is my vehicle not his and my name is NOT on that bill. The title has a different credit union listed on it as well as all the paperwork I signed at the dealership. I have not made a single car payment although I have relentlessly tried. My co signer is angry that he now has a second auto loan when he was only supposed to be a co signer.

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1 Lawyer Answer
Marco Caviglia
Marco Caviglia
  • Lagrangeville, NY
  • Licensed in New York

A: If I understand your facts correctly, you got agreement from someone to cosign for a loan on your vehicle purchase. This makes him liable for payment of the outstanding balance as well as you. You state that somehow there are two creditors demanding payment, not just one. If you had two creditors loan you money on the transaction, then they must both be paid, although that is unusual that either would knowingly extend credit knowing about the other. If there is only one valid creditor, and the second is a mistake or a fraud, you should immediately contact the erroneous creditor and get an explanation. If there is a scam involved, contact the police, and possibly retain counsel.

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