# car deposit... refundable?
**URL:** https://forums.speedlife.net/t/car-deposit-refundable/215733
**Category:** NYSpeed Automotive
**Created:** [August 22, 2011, 9:28am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733 "2011-08-22T09:28:30Z")
**Posts on this page:** 20
**Page:** 3
### Author:  [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)
#### Post date: [August 22, 2011, 3:47pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/41 "2011-08-22T15:47:28Z")
> [@bobbyg1243](#):
>
> Just be respectful and decent to them. Make them feel bad for trying to screw a decent guy. If your a dick to them then they are going to go out of their way to make sure they drag their feet. Remember this, don’t bite the hand that feeds. In this case, they are the ones who can help you at this point if you are civil with them. They probably aren’t going to be that way with you, but just know that you have the upper hand.
i was respectful when i spoke with the sales manager today, in return he was a huge fucking dick to me. its definitely going to be an interesting battle
i just wonder if its worth just buying the car and instead of financing through them (where they would make their money) financing elsewhere
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### Author:  [@AngryHero](https://forums.speedlife.net/u/AngryHero)
#### Post date: [August 22, 2011, 3:48pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/42 "2011-08-22T15:48:14Z")
Lets go there and burn the dealership down. Problem solved
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### Author:  [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)
#### Post date: [August 22, 2011, 3:51pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/43 "2011-08-22T15:51:08Z")
> [@AngryHero](#):
>
> Lets go there and burn the dealership down. Problem solved
can we break in and get me my money first, along with the keys to the car since i have the title in my hand, then do that?
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### Author:  [@Jackie\_Chiles](https://forums.speedlife.net/u/Jackie_Chiles)
#### Post date: [August 22, 2011, 4:10pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/44 "2011-08-22T16:10:38Z")
> [@bobbyg1243](#):
>
> Call your credit card company and dispute the charge. Easy fix. I see this on a daily basis. Just explain to your bank/credit card what happened and they will gladly get you your money back. Or just threaten/ actually have your lawyer call them. They have no way to hold your deposit since you never signed anything and they didn’t order anything specific for you.
My guess is that this is the right answer.
If there was a signed contract that said the deposit was non-refundable then the dealership might be in decent shape. W/o a contract I think that there was no meeting of the minds and they need to get you your money back.
JMHO.
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### Author:  [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)
#### Post date: [August 22, 2011, 4:11pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/45 "2011-08-22T16:11:20Z")
How did they send you the title without you signing anything, lol.
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### Author:  [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)
#### Post date: [August 22, 2011, 4:31pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/46 "2011-08-22T16:31:42Z")
> [@Onyx Z32](#):
>
> How did they send you the title without you signing anything, lol.
well not the actual title, but the sheet of origin and such that needs to be signed to get the title in my name
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### Author:  [@honda4life](https://forums.speedlife.net/u/honda4life)
#### Post date: [August 22, 2011, 6:10pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/47 "2011-08-22T18:10:42Z")
interesting at the least…
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### Author:  [@99\_civic\_si](https://forums.speedlife.net/u/99_civic_si)
#### Post date: [August 22, 2011, 6:17pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/48 "2011-08-22T18:17:56Z")
> [@EVOLUTION VIII MR](#):
>
> well not the actual title, but the sheet of origin and such that needs to be signed to get the title in my name
sign sheet of origin…wait for title…put insurance on vehicle and get temp registration…fly to dealership with title in hand…drive home. win.
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### Author:  [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)
#### Post date: [August 22, 2011, 6:53pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/49 "2011-08-22T18:53:28Z")
> [@99\_civic\_si](#):
>
> sign sheet of origin…wait for title…put insurance on vehicle and get temp registration…fly to dealership with title in hand…drive home. win.
i wonder how something like that would go, or if it were even possible? id assume not since the dealer most likely holds the title and wouldn’t release it?
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [August 22, 2011, 9:05pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/50 "2011-08-22T21:05:51Z")
So how much was the deposit?
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### Author:  [@deebo](https://forums.speedlife.net/u/deebo)
#### Post date: [August 22, 2011, 9:30pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/51 "2011-08-22T21:30:06Z")
So this whole thing started over an amount less than 100$ total? :picard:
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### Author:  [@woz](https://forums.speedlife.net/u/woz)
#### Post date: [August 22, 2011, 10:02pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/52 "2011-08-22T22:02:33Z")
link to car? ima email and say im VERY interested
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### Author:  [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)
#### Post date: [August 22, 2011, 10:21pm UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/53 "2011-08-22T22:21:10Z")
> [@deebo](#):
>
> So this whole thing started over an amount less than 100$ total? :picard:
god you suck so much lately hendel
obviously you can’t read a fucking thing or comprehend anything
deposit was for $1000 and its all about saving $500+ bucks and some other bullshit involved
> [@originalsin](#):
>
> link to car? ima email and say im VERY interested
let me see what results tomorrow, if not ill link you \<3
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### Author:  [@Quattro\_Krant](https://forums.speedlife.net/u/Quattro_Krant)
#### Post date: [August 23, 2011, 4:02am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/54 "2011-08-23T04:02:34Z")
> [@EVOLUTION VIII MR](#):
>
> I’m just gonna tell them I’m one of the largest posters on vw vortex and every other vw forum and ill shit talk them to high hell if they are gonna pull this shit
I bet they would laugh uncontrobally at that statement. Cause we all know VWPoortex/VWKotex fggts are what dealerships survive on, fuck, they’d be out of business in a day without all those baller ass Vortex kids buying from them.
So the car payment went up from $291 to $299 a month and the car went up a total of $137 and thats what prompted you to try and ax the deal?
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### Author:  [@08GT500](https://forums.speedlife.net/u/08GT500)
#### Post date: [August 23, 2011, 4:42am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/55 "2011-08-23T04:42:03Z")
> [@Quattro Krant](#):
>
> So the car payment went up from $291 to $299 a month and the car went up a total of $137 and thats what prompted you to try and ax the deal?
I think it’s a matter of principle more than anything else.
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### Author:  [@LZ1](https://forums.speedlife.net/u/LZ1)
#### Post date: [August 23, 2011, 4:44am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/56 "2011-08-23T04:44:43Z")
I was going to agree with the original poster but then he threw out a comment about VWvortex and anyone caring what goes on there :lol:
If you didn’t sign anything then you deserve to get it back
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### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 23, 2011, 5:45am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/57 "2011-08-23T05:45:28Z")
> [@EVOLUTION VIII MR](#):
>
> they told me originally i qualified for 4.4% and the price of the car was 20,713 with a payment of 291 a month. then a few days later spoke with them and the numbers changed for 4.8% and the price of the car was 20,850 and a payment of 299 a month.
Are you putting money down or financing for 84 months? I’m trying to figure out how 0.4% interest hike plus $137 dollar principle hike is costing you $1800 dollars and it’s not adding up.
Oh, and saying you’re going to bash them on a forum will get you laughed at. Read this thread. There is good advice for how to really get your money back.
Onyx, really? It’s common to put down a deposit during negotiations? I can see how that could save a really special car, but it just seems like you surrender your only leverage in the negotiation: walking away. I can’t imagine giving a car dealership money before agreeing on terms. Even if it’s just financing. They make money off of that too. You can negotiate your interest rate…
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### Author:  [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)
#### Post date: [August 23, 2011, 5:53am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/58 "2011-08-23T05:53:32Z")
Mike left out an important part.
This dealership is trying to force him to use the lender of THEIR choice, not his. VW finance will give him about a 3.5% rate (as opposed to this dealership’s lender at 4.8%) and this has been confirmed at 2 other VW dealerships. And this dealership is a real VW dealership not some random lot either.
This dealership is telling him that if he doesn’t use THEIR lender they’re going to raise the price of the car by about $650.
The dealership definitely has him at a lower rate through their lender so they’ve raised the rate, probably by a point (1%) so they can make more off of him. The bank is also giving the dealership at least 1% of the loan already just for using them. When a deal is signed the bank will give the dealership a check for this 2%+ difference immediately.
Keep in mind this amount is not a % of the purchase price but of the total loan amount over X years.
Essentially the dealership is saying that if we can’t make our extra money by raising your loan rate and using our lender we’re just going to charge you up front for the money we would have made.
---------- Post added at 08:53 AM ---------- Previous post was at 08:47 AM ----------
> [@Fry](#):
>
> Onyx, really? It’s common to put down a deposit during negotiations? I can see how that could save a really special car, but it just seems like you surrender your only leverage in the negotiation: walking away. I can’t imagine giving a car dealership money before agreeing on terms.
Yeah, if you really want / already know a vehicle is exactly what you want, put a deposit down on it.
He normally still has leverage because he hasn’t signed anything. See the NYS law Aaron posted. How that works in RI I guess we’ll find out.
I agree he shouldn’t have jumped and given a deposit on this specific car. But that’s water under the bridge.
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### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 23, 2011, 5:54am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/59 "2011-08-23T05:54:05Z")
> [@Onyx Z32](#):
>
> Mike left out an important part.
>
> This dealership is trying to force him to use the lender of THEIR choice, not his. VW finance will give him about a 3.5% rate (as opposed to this dealership’s lender at 4.8%) and this has been confirmed at 2 other VW dealerships. And this dealership is a real VW dealership not some random lot either.
Oh Jebus then get on the phone with VW. The manufacturer won’t be pleased that a dealership is trying to pull this shit.
[http://www.vw.com/en/contact\_us/nav/contact\_us.html](http://www.vw.com/en/contact_us/nav/contact_us.html)
Call customer care. Tell them that one of their dealerships is trying to screw you so you’re going to buy a Chevy instead. They’ll call up the dealership and bitch them out with real authority, not internet authority. Bam you get your financing.
Customer CARE
Let’s make it easy - for help with customer service, you can either email or call — whatever works for you.
Call 1-800-822-8987
8 a.m. to 6 p.m.
Local time in the contiguous United States
Go. Do it now. Report back.
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [August 23, 2011, 7:03am UTC](https://forums.speedlife.net/t/car-deposit-refundable/215733/60 "2011-08-23T07:03:33Z")
The change in payment/interest rate isn’t surprising. They quote the ideal situation and when the credit report comes back they can give a more accurate rate
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