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Dispute Over Down Payment Amount

公開セッションセッション #2872026/1/13👁️ 64 閲覧車の売買に関する問題
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AI Analysis Summary

The user paid a down payment that is higher than the amount reflected in the contract, and the finance manager is uncooperative in rectifying the discrepancy.

報告された問題

I paid a certain amount as a down payment, but the contract shows a different, lower figure. The finance manager is being difficult about correcting it.

質問

5 questions
Q1

Do you have a receipt or proof of the actual down payment amount you made? (ID: 1561)

Yes, absolutely. I have a withdrawal slip from my bank for $5,000 dated the day of the purchase. I also have a copy of the dealership's temporary registration which shows the down payment amount as $3,000, which is what I'm disputing. I also have the initial purchase agreement that was discussed before we went to the finance office, which I believe had the correct down payment amount, but I need to double-check that document.

Q2

What specific steps have you taken to try and get the finance manager to correct the contract? (ID: 1562)

I've spoken to the finance manager, Mr. Henderson, twice now. The first time, I pointed out the error and he initially brushed it off, saying it was a 'clerical error' and that the actual amount financed was correct. I insisted it was a significant difference and asked him to amend the contract. He became quite defensive and said the paperwork was finalized and it would be a hassle to change. The second time, I brought in my bank statement showing the withdrawal and asked again. He then said he'd 'look into it' but hasn't followed up, and I haven't heard anything back. I also tried calling the dealership's general manager, but I was put on hold for an extended period and then disconnected.

Q3

Was the contract reviewed by you before signing, and if so, did you notice the discrepancy then? (ID: 1563)

Yes, I did review the contract before signing. I was focused on the monthly payments and the interest rate, and I honestly didn't scrutinize the down payment line item as closely as I should have. I assumed it would reflect what we verbally agreed upon and what I had just handed over. It was a mistake on my part not to catch it immediately.

Q4

What is the exact difference between the amount you paid and the amount shown on the contract? (ID: 1564)

I paid $5,000 as a down payment, but the contract states $3,000. So, there's a $2,000 discrepancy.

Q5

Is this a new vehicle purchase, a used vehicle purchase, or a different type of financing agreement? (ID: 1565)

This is a new vehicle purchase. I was buying a 2023 Toyota Camry.

Identified Causes

2 原因
#1

事務的誤り

70%

契約書に頭金金額を入力する際に、経理担当者または事務職員が単純なミスを犯した可能性があります。これは、文書作成における一般的な人的ミスです。

#2

用語の誤解

20%

初期支払いに含まれている可能性のある「頭金」と、その他の手数料や保証金との間に誤解がある可能性があります。契約書は、総支払額の特定の部分を正確に反映している可能性があります。

Recommended Solutions

4 ソリューション
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Provide Proof of Payment

100%Official
Present your receipt, bank statement, or any other verifiable documentation of the actual down payment made.

🤖 AI Analysis

"The user explicitly states they have proof of the actual down payment (bank withdrawal slip) and has already presented it to the finance manager. This solution directly addresses the core of the problem by providing the necessary evidence to support their claim. The user's actions align perfectly with this solution."

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Request a Contract Amendment

95%Official
Formally request a written amendment to the contract reflecting the correct down payment amount.

🤖 AI Analysis

"The user has already attempted to get the contract corrected verbally. A formal written amendment is the logical next step to ensure the discrepancy is addressed officially and documented. The finance manager's defensiveness suggests a formal approach might be more effective."

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Review Initial Agreement

90%Official
Refer back to any preliminary agreements or discussions about the down payment amount to ensure alignment.

🤖 AI Analysis

"The user mentions having an 'initial purchase agreement that was discussed before we went to the finance office, which I believe had the correct down payment amount'. Reviewing this document is crucial to establish the agreed-upon figure and strengthen their case for a correction. It provides a baseline for what should have been on the final contract."

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Clarify Contract Line Items

70%Official
Ask the finance manager to break down all charges and payments on the contract to understand how the down payment is categorized.

🤖 AI Analysis

"While the user is focused on the down payment, understanding how the contract breaks down all charges and payments could reveal if the lower down payment figure is part of a larger, intentional misrepresentation or if it's truly just an error in that specific line item. It could provide context, but it's less direct than proving the down payment amount itself."

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