I’m disputing a final amount with my car financing company. I’m not sure what type of lawyer I should be looking for or

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Customer: I’m disputing a final amount with my car financing company. I’m not sure what type of lawyer I should be looking for or even if I have a leg to stand on. The amount is different from my contract and everything they sent me doesn’t add up either.
JA: What province are you in? And is a local attorney or other consumer protection advocate helping with this?
Customer: Ontario and no one is currently helping me
JA: Have you contacted the seller or manufacturer?
Customer: so I contacted the company I got the car from and they said that they can’t help me because this financing company pulled out of Ontario and took all files with them. When contacting this company they give me different number of what I owe
JA: Anything else you want the Lawyer to know before I connect you?
Customer: i have all papers they sent me with amounts differing from one an other. I did have missed payments and made double payments for what I missed and have emails with a women from the company stating that I have caught up and may resume normal payments. I’m not disputing the NSF fees. That’s my mistake. They claim I signed a contract to pay until 2021 which I did not. They also did not include a 1212$ payment my mother in law made as well

Answered by Debra in 2 hours 2 years ago

Debra

10+ years of experience

172410 Satisfied customers

Expert in: Family Law, Legal, Estate Law, Real Estate Law, Criminal Law, Employment Law, Business Law, Consumer Protection Law, Bankruptcy Law, Traffic Law, Personal Injury Law.

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Debra

172410 Satisfied customers

10+ years of experience

Debra

10+ years of experience

172410 Satisfied customers

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Debra, Expert

Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.

Customer

Thank you

Debra, Expert

I am sorry to hear of this difficult situation.

How much of anything do you believe you owe the creditor now?

Customer

If anything I believe I owe just my nsf charge which is around 650.

Customer

My contract states the total cost of lease (lease to buy contract) is 19520.40. I have already admitted fault for NSFs the was put on the account. I worked with a women (who no longer works with the company) to make double payments until all payments had been caught up. I had done this until she said I was able to resume normal payments. My contract ended 05/22/2020 and I'm now being told that I owe a total of 4823.29 and that because of my past with Non payments. I was also told I was paying until 2021. I did not sign a contract stating I would continue to pay until 2021 nor would I have agreed to that if I was making double payments.

Debra, Expert

Have they provided you with a copy of that contract it says you agree to be bound until 2021?

Customer

No they have not.

Customer

I did request my contract back in 2018 after my faults with the non payments. That contract also had a date of 05/22/2020

Debra, Expert

They are at best disorganized organized and perhaps dishonest. It's hard to know because it doesn't make any sense.

I suggest that you send them a letter by registered mail. In the letter include a copy of that contract and make a list of all payments you paid them over the years and show them what the final total is. Be sure to include the NSF charges and make it clear that you agree that you owe that and nothing more.

I suggest that you tell them that if they provide a signed release indicating that after you pay the $650 the contact is at an end and you owe nothing more you are happy to pay that amount of money.

Tell them otherwise you are happy to have them take you to court but you are putting them on notice now that if they harm your credit rating in anyway you will sue them for damages.

Does that help as a starting point?

Please feel free to post back with any follow-up questions you may have. If you don't have any then I hope I have earned a 5 star rating but if you don't feel that I have please don't hesitate to reply back and let me know what more I can do to assist you. Finally, please know that even after you rate me I will be here for you and you can ask follow-up questions if you think of them later on at no further charge of course.

Customer

Sent them a copy of the contract. I've run numbers and it looks as those they have taxed me twice and charged me interest twice. I was under the impression that the total cost of lease was the amount that was to be paid in total correct. That's with interest and taxes or am I mistaken?

Debra, Expert

You are correct except that you may owe additional interest for the late payments.

Customer

Ok thank you for clarifying. Also if I do need legal representation. What type of lawyer should I be contacting?

Debra, Expert

You would need a litigation lawyer.

You can contact the Law Society and use their Lawyer Referral Service. You will be given the name of a lawyer and can consult with the lawyer and the first half hour will be free.

The number is:

1-***-***-**** or(###) ###-####(within the GTA)

Customer

Thank you so much.

Debra, Expert

You are very welcome.

Please be sure to rate me before you leave the site so that I can receive credit for my work.

Thanks and take good care.

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