Vehicle Contract Cancellation Rights

Summary

In Mississippi, review your contract for cancellation terms or cooling-off periods. The Mississippi Consumer Protection Act may help if deceptive practices were involved. Document all communications and consider contacting the Mississippi Attorney Generals Office Consumer Protection Division. If legal fees are a concern, explore free legal aid services.

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I live in MS. A dealership sold me a pickup and slipped a VSC into the deal for $ *.*. By the next day, I was trying to get that removed from the contract. I have been documenting everything through ChatGPT with dates and times. The dealership directed me to the lender, and the lender directed me back to the dealership. It took me two days to even get the dealership to tell me the name and phone number of the VSC company. They are giving me the runaround about rescinding that VSC and having it removed from my finance contract. I purchased the vehicle on */*/*, and I have been working on this since */*/*. What are my rights?
In Mississippi, you may have specific rights regarding rescinding a Vehicle Service Contract (VSC):
- Review your contract for any cancellation terms or cooling-off periods.
- The Mississippi Consumer Protection Act may offer remedies if deceptive practices were involved.
- Document all communication with the dealership and lender.
Have you considered contacting the Mississippi Attorney General's Office for consumer protection assistance?
To date, I have sent a certified letter with return receipt to the dealership on */*/* requesting that they rescind the contract. They did not give me a policy from the VSC Company or even a policy number; they simply inserted it in my contract as a single line item.
It sounds like you're taking the right steps by documenting everything and sending a certified letter. Here's what you might consider next:
- Follow up with the dealership regarding your certified letter.
- Contact the Mississippi Attorney General's Office for further guidance on consumer protection.
- Consider seeking legal advice for potential deceptive practices or breaches of contract terms.
Would you like help connecting with local lawyers who can assist further?
The full amount of the contract is *.*. In Mississippi, it is very hard to recover legal fees in a court case of this type. Handing it over to an attorney will probably cost me more than the extended warranty will cost me.
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It seems like you've taken significant steps to address this issue. Since you mentioned concerns about legal fees, consider exploring free legal aid services in Mississippi or resources through the Mississippi Attorney General's Office. They may offer additional support or guidance without incurring high costs.
Is there a division of the Attorney General's office that I would need ot contact?
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For your situation, considering consumer protection matters, you should contact the Consumer Protection Division of the Mississippi Attorney General's Office. They specialize in issues like deceptive trade practices and may be able to offer guidance or assistance in your case.
Thank you. I will do that after I contact the VSC company on Monday morning. Possibly, the VSC company will allow me to cancel this contract.
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It sounds like you're on the right track by planning to contact the VSC company and the Consumer Protection Division of the Mississippi Attorney General's Office. If you continue to face issues, consider consulting with a local attorney to understand your options better. Don't hesitate to reach out to free legal aid services if needed.