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Schaumburg, IL Kia manager's many illegal tactics !!!

479 Views 19 Replies 6 Participants Last post by  KingFatty
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First of all, these are facts not opinions. I have the original hard copy evidence, a pre-approved audio recording, items in the manager's own handwriting, and about 7 witnesses to back me up.
1. I Negotiated not to pay a $300 fee but finance mgr added it and more IN PENCIL to the typed receipt without my knowledge. General manager (R.P.) refused to correct the illegal document change.
2. R.P. reduced price about $1824.00 in front of 7 witnesses then went back on his word.
3. When I asked for an explanation R.P. threatened to call the police. What was he nervous about?
4. R.P. showed me a FAKE RECEIPT he sent to the BBB and Illinois Attorney General Consumer Fraud Bureau. I spotted about 16 ways to tell his receipt isn't a copy of mine.
5. R.P. LIED to both agencies about me personally..
6. R.P. F O R G E D M Y S I G N A T U R E on the fake receipts sent to these agencies and put his signature on them (thank you.)
7. He owes me $2,124. Not a small claims court amount.
I did my homework and we agreed on a price then he just adds it all back so the new total is more than if I had never negotiated in the first place. Changing a document, faking documents, lying about price, slander, forgery. How can a business do so many illegal things and get away with it?

To back up what I said, I've attached some of the paperwork with comments, questions and the confusing math full of hidden numbers that move around. I point out what I said in the original post. I did not include communications with the BBB or Attorney General but I will say Mr. Perez tried to make me look like a fool. His explanations of every step of the dealings were wrong in his one letter to the BBB. They sent it to me so I'm not guessing. There are a lot of comments on the fake receipt in which I point out all the differences between it and my original. You'll have to take my word that the signature on the fake receipt is unlike mine in multiple ways. He continues to avoid answering the questions I've asked and still refuses to correct anything, even when it disagrees with what he said and wrote in front of witnesses. Please excuse the confusion of the negotiation pages, I was trying to figure out how to add up numbers which weren't displayed & were hidden along with others in undefined totals. I just wanted an explanation but Perez claimed I came in demanding money. I never demanded anything. I calmly asked for an explanation of where the negotiated figures had disappeared to. He was the one acting unreasonable & uncooperative. One of his lies was that we'd met and he discussed things with me (paraphrased) when actually none of that ever happened. He makes it look like he's cooperating when he was, and is, actively refusing to face the issues. I caught him cheating and he keeps hoping the facts will go away. The actual receipt is first. The fake is second.


Font Parallel Rectangle Handwriting Document

Yellow Font Parallel Handwriting Screenshot


Do these look like carbon copies of the same document??
Font Parallel Circle Slope Document
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Take a step back and introduce us to the issue.

Are you saying you still want to buy the car but you can't get a promised price, so you want to force the dealership to sell you the car at a promised price?

Or have you already purchased the car and signed paperwork?
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Let me start at the beginning. In 2019 I suddenly had a buyer for my TA of over 30 yrs so was w/o a car for over a month. I was out of touch with all the changes. I didn't like anything I saw. I wanted something like I had, not all the stuff they put on them now. I went to almost all dealers in Schaumburg. In one of Mr. Perez's letters to the BBB or Atty Gen, he stated that I came in with a willingness to buy this car. Not true. I came in with questions and ended up negotiating for 10 days. He says we agreed on things, and we did, i.e. not paying $300 doc fee, reducing the plate fee from $151 to $26, a reduction in price by $1824, but when it was over and the paperwork was typed up, the finance mgr violently tore it out of my hands two separate times after mere seconds and literally ran from the room both times. It turned out he'd added the $300 doc fee back on in pencil, and there was a $175 plate fee and no evidence of an $1824 price reduction. I questioned him about some of the figures I'd agreed to which I didn't see and he told me "they're on there". He mysteriously disappeared afterwards so I couldn't talk to him. A few days later I was in the hospital for cancer surgery, which mgr. Bill Mitchell didn't want to believe. After that surgery I was in quarantine for some time. During this time Covid began so I was in quarantine for that too. When I was able, & after talking to Kia corporate, I set up a meeting with Mr Perez (who in one correspondence claimed he was in communication with me (which he wasn't) and I was uncooperative (just the opposite.) In the only meeting I've ever had with Perez he showed how he did reduce the $151 plate fee to $26 but he didn't say there would be a second plate fee of $175 added on. When $175 is added onto the remaining $25 plate fee, the total is $200 which is more than the $151 original plate fee. If a document is changed, it has to be approved by all parties or it's illegal, I did NOT agree to the things Mr Perez says I agreed to in one of his letters. I did not know he changed the numbers behind my back. We also set up a meeting with a new finance mgr. Tiffany Phillips. At one point she said, on tape, that the $300 doc fee "is not usually waived." Usually does not mean never so this also means that sometimes it is waived. Salesman Michael Mallory agreed to removing this fee. One of the first things we agreed to Tiffany refused to look at my videos of car dealers online telling what fees are legit and which are bogus. This way she has no comment nor does Mr. Perez. Mr. Perez continued to refuse to correct the $300 illegal change to the sales document. He claims to know nothing about it because "he wasn't there" but the evidence written by his employee is there.. He also will not say anything about the $175 doc fee that appeared out of nowhere separate from the original $151 fee I was quoted, or the missing $1824 price reduction witnessed by everybody in the dealership. I was the only one there at the time and the salesmen were standing 2 rows deep watching salesman Mallory and Mr. Perez and I negotiate. I watched them all nod simultaneously & in unison when Perez suggested the price reduction. In one of his letters, Mr. Perez claimed to authorities that I came in demanding money, commenting negatively on my purpose and attitude, in general slandering me. I did not act that way or demand money. I never did. I sat quietly in the meeting asking for an explanation of the totals on the receipt so I could understand it. If he had nothing to hide, why was he the one pacing and wanting the police to take me away for politely asking for an explanation and refusing,or being unable, to answer my few questions. I called his bluff and called the police myself who told me they would not come "because you did nothing wrong." Kia corporate refused to do anything. Before the Covid quarantine was relaxed I was diagnosed with 2 additional cancers for 3 now. I don't need to make waves, any infection can kill me but Mr. Perez is still more interested in stealing from a dying man. I think he was upset because I caught him in the act of doing what dealers are known to do to customers, and he got nervous. That's why he refuses to discuss certain facts. He can't but they won't go away. I've got the originals. Such as the blatantly illegal fake receipt on which he apparently wanted to show both our signatures which he (arrogantly, in my opinion, sent to authorities.) Actually, my copy does not have any signature by Mr. Perez or Bob Rohrman or any other representative. If he's trying to make it look legal with both signatures, he failed. Why does he need a fake receipt and fake signature to show an honest transaction? My copy does not have his signature and his copy does not have mine. I needed a car then and even more now with my illnesses. I made the mistake of believing our negotiations. I did not expect such fraud in the transaction. So I have the car now for 3 yrs & 10K mi. All this time I've been looking for help. Someone told me he may sue me for saying these things. I say bring it on. I have the original hard copy evidence, witnesses. He's the one who should be afraid to go to court. I want to see how he justifies his actions to a judge. It sickens me at his arrogance to laugh in my face at our meeting as if he can do anything and it also sickens me that so many people just accept it and not stand up for themselves. It looks like I caught him in the act and he's acting nervous about it which tells me I've got a case.
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Do I understand correctly?

1) you purchased a car 3 years ago
2) you belive there was fraud involved in the transaction
3) you have some evidence (unclear)
4) you want to know what you can do now about the transaction?

I'm not sure if I follow everything in your narrative, so I tried to break it down into 4 concise issues. Then we can tackle each issue. Please add or clarify if you can
Let me start at the beginning. In 2019 I suddenly had a buyer for my TA of over 30 yrs so was w/o a car for over a month. I was out of touch with all the changes. I didn't like anything I saw. I wanted something like I had, not all the stuff they put on them now. I went to almost all dealers in Schaumburg. In one of Mr. Perez's letters to the BBB or Atty Gen, he stated that I came in with a willingness to buy this car. Not true. I came in with questions and ended up negotiating for 10 days. He says we agreed on things, and we did, i.e. not paying $300 doc fee, reducing the plate fee from $151 to $26, a reduction in price by $1824, but when it was over and the paperwork was typed up, the finance mgr violently tore it out of my hands two separate times after mere seconds and literally ran from the room both times. It turned out he'd added the $300 doc fee back on in pencil, and there was a $175 plate fee and no evidence of an $1824 price reduction. I questioned him about some of the figures I'd agreed to which I didn't see and he told me "they're on there". He mysteriously disappeared afterwards so I couldn't talk to him. A few days later I was in the hospital for cancer surgery, which mgr. Bill Mitchell didn't want to believe. After that surgery I was in quarantine for some time. During this time Covid began so I was in quarantine for that too. When I was able, & after talking to Kia corporate, I set up a meeting with Mr Perez (who in one correspondence claimed he was in communication with me (which he wasn't) and I was uncooperative (just the opposite.) In the only meeting I've ever had with Perez he showed how he did reduce the $151 plate fee to $26 but he didn't say there would be a second plate fee of $175 added on. When $175 is added onto the remaining $25 plate fee, the total is $200 which is more than the $151 original plate fee. If a document is changed, it has to be approved by all parties or it's illegal, I did NOT agree to the things Mr Perez says I agreed to in one of his letters. I did not know he changed the numbers behind my back. We also set up a meeting with a new finance mgr. Tiffany Phillips. At one point she said, on tape, that the $300 doc fee "is not usually waived." Usually does not mean never so this also means that sometimes it is waived. Salesman Michael Mallory agreed to removing this fee. One of the first things we agreed to Tiffany refused to look at my videos of car dealers online telling what fees are legit and which are bogus. This way she has no comment nor does Mr. Perez. Mr. Perez continued to refuse to correct the $300 illegal change to the sales document. He claims to know nothing about it because "he wasn't there" but the evidence written by his employee is there.. He also will not say anything about the $175 doc fee that appeared out of nowhere separate from the original $151 fee I was quoted, or the missing $1824 price reduction witnessed by everybody in the dealership. I was the only one there at the time and the salesmen were standing 2 rows deep watching salesman Mallory and Mr. Perez and I negotiate. I watched them all nod simultaneously & in unison when Perez suggested the price reduction. In one of his letters, Mr. Perez claimed to authorities that I came in demanding money, commenting negatively on my purpose and attitude, in general slandering me. I did not act that way or demand money. I never did. I sat quietly in the meeting asking for an explanation of the totals on the receipt so I could understand it. If he had nothing to hide, why was he the one pacing and wanting the police to take me away for politely asking for an explanation and refusing,or being unable, to answer my few questions. I called his bluff and called the police myself who told me they would not come "because you did nothing wrong." Kia corporate refused to do anything. Before the Covid quarantine was relaxed I was diagnosed with 2 additional cancers for 3 now. I don't need to make waves, any infection can kill me but Mr. Perez is still more interested in stealing from a dying man. I think he was upset because I caught him in the act of doing what dealers are known to do to customers, and he got nervous. That's why he refuses to discuss certain facts. He can't but they won't go away. I've got the originals. Such as the blatantly illegal fake receipt on which he apparently wanted to show both our signatures which he (arrogantly, in my opinion, sent to authorities.) Actually, my copy does not have any signature by Mr. Perez or Bob Rohrman or any other representative. If he's trying to make it look legal with both signatures, he failed. Why does he need a fake receipt and fake signature to show an honest transaction? My copy does not have his signature and his copy does not have mine. I needed a car then and even more now with my illnesses. I made the mistake of believing our negotiations. I did not expect such fraud in the transaction. So I have the car now for 3 yrs & 10K mi. All this time I've been looking for help. Someone told me he may sue me for saying these things. I say bring it on. I have the original hard copy evidence, witnesses. He's the one who should be afraid to go to court. I want to see how he justifies his actions to a judge. It sickens me at his arrogance to laugh in my face at our meeting as if he can do anything and it also sickens me that so many people just accept it and not stand up for themselves. It looks like I caught him in the act and he's acting nervous about it which tells me I've got a case.
you didn't finance so you paid cash to the amount that you agreed upon in your initial invoice. who cares how they wrote up their internal invoice. just stop and find something else to do with your life.
Why in the world if you got screwed/cheated/lied to just once at a dealer you don't get up and go somewhere else instead of this nightmarish thing you got going now? That no one here can help you nor read your long detailed post.

Life is short. Don't waste it arguing with a car dealer. Especially over a Kia lol.....
AFTER you do your due diligence on a vehicle (its options, any rebates etc). You go to the dealer, check-out the car, take it for a test drive and then, if you like it, ask for the OTD price. They screw around after the price quote, you walk out.
Do I understand correctly?

1) you purchased a car 3 years ago
2) you belive there was fraud involved in the transaction
3) you have some evidence (unclear)
4) you want to know what you can do now about the transaction?

I'm not sure if I follow everything in your narrative, so I tried to break it down into 4 concise issues. Then we can tackle each issue. Please add or clarify if you can
King Fatty, As for your questions
1 yes
2 yes
3 The explanations are unclear, which is why I wanted an explanation. What's unclear about a penciled in addition to a typed document? 7 witnesses to his offer of a price reduction? By necessity I had to make the signature "unclear" but trust me, a handwriting expert would agree with me. It's very clear to me & I'll go to court to prove it.
4 I didn't begin looking for help just now, I've been looking since I found the fakery.

As for the length, I started out with a shorter post but someone somewhere asked me for more details, they wanted to see the paperwork so I provided it. Short version, they told me everything was what I agreed to but it wasn't. I didn't find out until afterwards. If it was just a confusing way they wrote it up that would be fine but they hid their changes in that confusion but I was aware of the changes anyway. The fact that the dealer got mad when I asked for an explanation, has refused to give any reply to several key issues, and tried to hide what they did with a fake receipt is almost as good as admitting they have something to hide. Would you like to be cheated out of over $2000? Have your signature forged? Have your name slandered to the authorities you turn to for help? Have any business do these illegal things as a matter of normal business? I think not. I'm appalled that anyone would say to just let them cheat everyone because they're car dealers. If I want to cheat someone and we do the dealing in a car lot does that make it legal for me? I may not get the money they added to my document but I can spend my time alerting others to their business practices so others don't have to have this happen to them. I'm an honest person, they asked for my disdain so I'm giving them what they asked for, which is more than they did for me.
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Too much to read, but just my first observance was if the $300 was written in w/o anyone's knowledge,
how did all the printed totals add up properly? Three years ago, sorry to say, if you didn't catch any
problems at the time of purchase, time to move on and suck it up.
Too much to read, but just my first observance was if the $300 was written in w/o anyone's knowledge,
how did all the printed totals add up properly? Three years ago, sorry to say, if you didn't catch any
problems at the time of purchase, time to move on and suck it up.
Their explanation was hard to follow but it involved a lot of unidentified numbers, some lumped together. Like saying the rebate, $300 doc fee, $151 original plate fee, $175 second plate fee, etc. were all put into one number on the receipt. They can claim anything is in there and manipulate any other numbers hidden elsewhere so that the total comes out the same. There's no way to know how they added it up during negotiations vs when typed up vs after being typed up & written on. They are experts at juggling numbers. I know it's been 3 yrs, cancer and Covid delayed meetings. I still dare them to try to sue me for revealing the truth because their forgery of my signature, at least, would be revealed in court and that's all public records that they don't want people to know about. They have too much to lose to go to court.
OK good to hear, now the next stage:

Think about all the evidence you have. What is it? I think it's mostly documents, but please elaborate.

Here is the kicker: when you bargain over a deal, both parties can write stuff in by hand to modify the contract. They haggle, they adjust the numbers, back and forth. But once you agree, you are accepting all the hand written modifications, you are saying yes, that's all OK with me.

So we need to see if you have anything that shows something happened different than that story. Because, just playing devil's advocate to explore possibilities, someone could say you AGREED to all the modified paperwork and signed so it's a done deal. But only now you forgot that you agreed, and are only accidentally mistaken from your memory being wrong because all our memories are fallible.

But maybe you have something like certain documents that couldn't have played out the way I describe here? Is it impossible to have happened how I describe here?
OK good to hear, now the next stage:

Think about all the evidence you have. What is it? I think it's mostly documents, but please elaborate.

Here is the kicker: when you bargain over a deal, both parties can write stuff in by hand to modify the contract. They haggle, they adjust the numbers, back and forth. But once you agree, you are accepting all the hand written modifications, you are saying yes, that's all OK with me.

So we need to see if you have anything that shows something happened different than that story. Because, just playing devil's advocate to explore possibilities, someone could say you AGREED to all the modified paperwork and signed so it's a done deal. But only now you forgot that you agreed, and are only accidentally mistaken from your memory being wrong because all our memories are fallible.

But maybe you have something like certain documents that couldn't have played out the way I describe here? Is it impossible to have happened how I describe here?
Yes, mostly documents and one audio recording of my meeting with the new finance mgr.
We did go over numbers on a worksheet. This is where the doc fee was removed by the salesman and the plate fee reduced by the manager, in his handwriting. In the attached excerpt from the worksheet these figures can be seen in the red and blue boxes at the top. They knew the doc fee was $300 and the plate fee was $151. The doc fee was the first thing I insisted they remove. The mgr reduces the plate fee by $126 later at top right from $151. Yet on the receipt there is the remaining $25 for this plate fee and another $175 for a second plate fee. I'm sure he can't charge twice for the same thing, so this is one more item he needs to correct yet he repeatedly has refused. The extra $175 and $300 written back in totals $475. The finance manager is recorded saying they don't "usually" waive the $300 doc fee. That is not saying "never". The salesman Michael Mallory had no problem agreeing to this.

So I agreed to what I was shown on the worksheet by salesman and Mr. Perez but numbers changed that I did not agree to. It is illegal to alter a document unless agreed to by all parties. See "Alter a Contract's Terms Before or After Signing It"
Contract Modification: How to Alter a Contract's Terms and
Contesting a Contract

Then there's the price reduction by ~$1824 suggested by Mr. Perez and witnessed by every salesman in the place because I was the only customer and they were standing 2 rows deep watching us. They all agreed with Mr. Perez's price reduction by simultaneously and unanimously nodding their heads. About 7 witnesses.

In total by these figures, they either over charged me &/or failed to reduce charges by $2,299.00

So, you see, there is written proof showing the $300 illegally added to my contract and an extra $175 also added which shouldn't have been. I have nothing in writing about the $1824 price reduction, but if we went to court and all the witnesses were called to testify, I doubt they'd all perjure themselves for jobs they probably don't even have any more.
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Yes, mostly documents and one audio recording of my meeting with the new finance mgr.
We did go over numbers on a worksheet. This is where the doc fee was removed by the salesman and the plate fee reduced by the manager, in his handwriting. In the attached excerpt from the worksheet these figures can be seen in the red and blue boxes at the top. They knew the doc fee was $300 and the plate fee was $151. The doc fee was the first thing I insisted they remove. The mgr reduces the plate fee by $126 later at top right from $151. Yet on the receipt there is the remaining $25 for this plate fee and another $175 for a second plate fee. I'm sure he can't charge twice for the same thing, so this is one more item he needs to correct yet he repeatedly has refused. The extra $175 and $300 written back in totals $475. The finance manager is recorded saying they don't "usually" waive the $300 doc fee. That is not saying "never". The salesman Michael Mallory had no problem agreeing to this.

So I agreed to what I was shown on the worksheet by salesman and Mr. Perez but numbers changed that I did not agree to. It is illegal to alter a document unless agreed to by all parties. See "Alter a Contract's Terms Before or After Signing It"
Contract Modification: How to Alter a Contract's Terms and
Contesting a Contract

Then there's the price reduction by ~$1824 suggested by Mr. Perez and witnessed by every salesman in the place because I was the only customer and they were standing 2 rows deep watching us. They all agreed with Mr. Perez's price reduction by simultaneously and unanimously nodding their heads. About 7 witnesses.

In total by these figures, they either over charged me &/or failed to reduce charges by $2,299.00

So, you see, there is written proof showing the $300 illegally added to my contract and an extra $175 also added which shouldn't have been. I have nothing in writing about the $1824 price reduction, but if we went to court and all the witnesses were called to testify, I doubt they'd all perjure themselves for jobs they probably don't even have any more.
get a hobby
Can you clarify, which of these is true:

1) you are forced to pay an amount that differs from the documents you signed
2) you are forced to pay exactly what is shown on the documents

Then, can you explain if you've already been paying the amount you disagree with, and if so, how long?
Can you clarify, which of these is true:

1) you are forced to pay an amount that differs from the documents you signed
2) you are forced to pay exactly what is shown on the documents

Then, can you explain if you've already been paying the amount you disagree with, and if so, how long?
I paid in full at time of purchase 3 yrs ago. No payments since then.
I paid what was on the documents because Mr. Perez, Mr. Mallory and the finance mgr told me they used the numbers I'd seen during negotiations. I asked and was told "they're in there". But $300 had been added, $1824 was not there as claimed, and there was a second $175 plate fee. I thought I was signing what I'd agreed to but it wasn't. Even looking at the receipt afterwards I couldn't see all the changes because of the way they lumped numbers together. I couldn't make sense of it. That's why I went in for an explanation, when they wanted me thrown out. If they are on the level, why would they be so against explaining their numbers that they'd call the police? It's not what an honest businessman would do.
get a hobby
And Chauncy, this is my hobby, sitting at home with cancer keeping guys like this from cheating others & laughing about it.
Where I run into a brick wall is how to counter this argument:

The dealership will say that they told you all that stuff was in there, and you wanted it taken out. But then, after some haggling, they got you to accept the stuff and you agreed and signed, so they didn't need to take it out.

I can't overcome that argument. I feel like, no matter what happened with how they agreed to remove all the charges you wanted removed, and agreed to include the price reduction, the dealership can just argue that they changed their mind before the deal was done, so they continued haggling with you and got you to agree that they didn't need to remove charges or include the price reduction.

Put another way, I think the dealership can just agree with you and say you were right, yes, they agreed to all your terms and had that paperwork drawn up, but the negotiations were still ongoing and as time went on they decided to change the terms and you still agreed in the end to those changed terms.

So my main issue is I think you can be fully right and correct, and still the dealership can say they are also correct because the deal evolved over time before signing.

Unless I'm misunderstanding you, I feel like that's how the deal went down. They agreed to your terms, you agreed to sign, they decided to continue haggling and made new paperwork, you agreed to sign the new paperwork.

EDIT: this sort of problem happened to me on a mortgage. The terms were agreed to, then the lender wrote up the paperwork and included new/different numbers/terms. So the burden was on us to re-read the paperwork all over again (like 150 pages) to find the new numbers and point them out. The lender said they had to change the numbers so it was up to us to accept or reject the deal. Our signature was acceptance. I can't go back and undo the contract based on earlier negotiations where the lender agreed to better numbers. The contract speaks for itself. It's our fault for signing it with the new numbers. We just happened to catch it before signing.
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Where I run into a brick wall is how to counter this argument:

The dealership will say that they told you all that stuff was in there, and you wanted it taken out. But then, after some haggling, they got you to accept the stuff and you agreed and signed, so they didn't need to take it out.

I can't overcome that argument. I feel like, no matter what happened with how they agreed to remove all the charges you wanted removed, and agreed to include the price reduction, the dealership can just argue that they changed their mind before the deal was done, so they continued haggling with you and got you to agree that they didn't need to remove charges or include the price reduction.

Put another way, I think the dealership can just agree with you and say you were right, yes, they agreed to all your terms and had that paperwork drawn up, but the negotiations were still ongoing and as time went on they decided to change the terms and you still agreed in the end to those changed terms.

So my main issue is I think you can be fully right and correct, and still the dealership can say they are also correct because the deal evolved over time before signing.

Unless I'm misunderstanding you, I feel like that's how the deal went down. They agreed to your terms, you agreed to sign, they decided to continue haggling and made new paperwork, you agreed to sign the new paperwork.

EDIT: this sort of problem happened to me on a mortgage. The terms were agreed to, then the lender wrote up the paperwork and included new/different numbers/terms. So the burden was on us to re-read the paperwork all over again (like 150 pages) to find the new numbers and point them out. The lender said they had to change the numbers so it was up to us to accept or reject the deal. Our signature was acceptance. I can't go back and undo the contract based on earlier negotiations where the lender agreed to better numbers. The contract speaks for itself. It's our fault for signing it with the new numbers. We just happened to catch it before signing.
Off the top of my head, here's what I'd reply with if this came up in court.
1. I only signed once. If they come up with a second then that's another fake receipt and forgery they have to justify.
2. I didn't negotiate for 10 days, paying for a rental car the whole time, then change my mind and say what the heck, I feel like paying more after all. Nobody in their right mind does that.
3. I'd ask them to produce some proof of these back and forth negotiations. I at least have some things in writing, they don't.
4. I believe in court if they are going to call me a liar, they have to have proof. Again, I have written things from them, they have nothing from me saying I changed my mind.

I still feel I have a better case. If I could find a lawyer and go to court I think they'd realize they have more to lose.

In your edit you hit the nail on the head. That seems to me the most likely thing they'll say. I did try to examine the papers and did notice a few things in the 9 seconds or less I had them in my hand before they were ripped out, twice. I questioned the finance guy and he told me my numbers were in there. So it falls on the finance guy to answer why he said that. But he disappeared when I tried to question things so I couldn't talk to him. I have no idea if he was transferred, on vacation, or fired but I never saw him again. I'd still gladly go to court with this. And I would ask for a jury trial.
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Do you have a copy of the signed contract?

I don't recall if you already answered that, sorry. But I'm assuming that yes, you have a copy of the signed contract.

What you want: force the dealership to give you money because the signed contract is wrong.

I think for that to happen, you need to prove the signed contract is invalid. But because you signed the contract, you need to show that you were under duress or somehow not within your mental capacity when you signed the contract.

Contract law means the dealership can just point to the contract you signed and the courts will enforce it. How can you proved the signed contract is invalid?
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