Hello! So I have recently (April 2024) bought a used car from a used dealership in Scarborough and I feel like I was to some degree fooled and sorta taken advantage of. I will say I did try my best to get some second set of eyes on the dealership to see what their opinions was and everything seemed to be pretty okay, no major red flags. However, once I finally got my vehicle (2017 Nissan Pathfinder S) that somewhat start of the problems or flags became more apparent. I had originally was going to pick up the car on April 6 but something and there was a a bit of a delay of pick up however, they were going to deliver it to me. So I thought it was okay. I wasn’t necessarily expecting my first payment to come out on April 10 furthermore they said they were going to give me two months off of payments or give me the money for two months of payments.

This is where things start to get not so great. When they finally gave me my car on April 9, they didn’t manage to also give me the money for the two months. I did try to question this before signing but the sales person said it would fine. However, since I missed my first payment that increase my payment by 10% as I had forgotten it was supposed to come out on that date plus with the deferral payments, I wasn’t too worried. I tried to talk to bank but they said the dealership needs to call them so I tried to my best to get in contact with the dealership multiple times to get this all resolved. Alas, it never did and I was trying to figure out what I could do also. I report them to BBB and trying to get into contact with OMVIC. BBB hasn’t really told me but OMVIC said they can’t help me because it’s deferred payments isn’t in the contract or paperwork so that seems like a lost cause there more or less.

My question is: if I manage to find another used car dealership with a car that I like and such, I feel like I can trust them(this time I have other people who can do even more in depth research for me and see) how does this process all work? Do i need to get a car with the same loan value as mine? Or can I get a car that my current car is worth and the left over loan get a different car with a different payment rate? I have also just discovered that my pathfinder is just too wide of a car for me and I still feel like I am struggling with the dimensions for parking and some driving it as I was once driving a 2011 RAV4 This is my first time buying a car by myself and I was navigating it with the little support that I am able to get from some of my friends.