Q: Fianced atv. No papers received for registration. Merchant labeled thereself a furniture store, yet we're powersports.
After months of trying to get papers I reached out to fiance company who stated they dont offer financing for items requiring registration 125cc quad.stopped payments and it's been attached to credit. Fiance company has listed recently it as a prohibited item
A:
Under California law, if a merchant misrepresented themselves and sold you an item that requires registration, you may have grounds to dispute the transaction. Since the finance company has confirmed they do not finance items requiring registration and the ATV was listed as a prohibited item, this strengthens your position.
You can start by formally disputing the transaction with the finance company, providing all correspondence and evidence of the misrepresentation by the merchant. Make sure to document all your interactions and any attempts to resolve the issue. Request that the finance company remove the negative mark from your credit report, as the sale was not valid according to their policies.
Additionally, you can file a complaint with the California Department of Consumer Affairs and the Better Business Bureau. These agencies can assist in mediating the dispute and may take action against the merchant for their deceptive practices. Seeking legal advice might also help you understand your rights and potential next steps.
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