Vehicle Purchase Dispute Resolution

On */*/*, paid $*,* down payment on vehicle priced at $*,*.*. Agreed to pay $*,*.* in two payments of $*.* with the sellers verbal assurance that they would work with me if necessary, as they were aware I was unemployed (sold my previous car to purchase a truck with the intention of starting a landscaping business) and unsure of when I would have the money available. The only document (attached) alluding to this agreement is written on an incorrect and possibly even contradictory form which does not appear to meet the definition of a retail installment contract as I understand it. There exists no other mention of this agreement elsewhere in the sales paperwork.

hold on. more input coming in * more entries.

Seller has provided no inventory of personal property, no written notice of any kind in this time. Not one single shred of paperwork post sale. Seller continues to attempt to leverage his possession of the truck in order to compel payment on what is, in my understanding, not a secured debt. Seller hired a disbarred attorney to "negotiate" which was a demand for not only the $*,* owed, but an additional $*. I have demanded my $*,* payment to be refunded and my personal property be returned, which the seller refuses to do. Seller has attempted to negotiate a reduction of the balance owed but only in the context of withholding the truck until its paid, which was not agreed to at any point, nor would it have ever been agreed to by me under the circumstances of being unemployed.

I believe that without (as I understand it) a valid retail installment agreement, seller had no right to seize the vehicle, as our agreement would at best indicate an unsecured debt. No retail installment agreement or loan contract of any kind was signed, the "we owe" and buyers order are the only * documents mentioning the sale price and agreement. While I fully intended to pay the remaining balance, the sellers act of depriving me of the vehicle made it impossible for me to work, which made it impossible for me to pay. The sellers act of depriving me of the vehicle caused me to be unable to (and not obligated to?) honor my end. The seller has now been in possession of the vehicle for over 30 days from todays date, following the seizure. .

2 days later, on */*/*, seller arrived with law enforcement and "repossessed" the vehicle from my driveway and demanded payment for balance in full as a condition to return vehicle. **Crucially, even assuming an enforceable security interest and/or a valid retail installment contract, the demand for payment in full occurred prior to the final payment date noted on the "we owe" form, potentially giving me the remedy of rescending the agreement and receiving a full refund??**

I took the vehicle home on the date of the sale and had it within my possession for a total of 9 days. On */*/*, the seller arrived at my home and demanded the key, threatening an $* repossession/wrecker fee if I were to refuse. I complied, unaware that this action may have been illegal. At this time, seller instructed me to pay remaining balance in full for return of truck key.

that is out of order but thats all of it