rustycolts
Footballguy
I am not always an idiot but when I am I am the king of all idiots. Here is the deal about 4 months ago my wife's dog died. So I wanted to get her another dog for her birthday. She loves French bull dogs so I thought I would get her one. They are pretty expensive so I was shopping online trying to find one at a reasonable price. I found one for $3,150 problem was I would not be able to get funds from my Edward Jones account for 3 days. I did not want a chance of losing the dog. I noticed on the breeders web site that financing was available. Figured I would finance it pay a couple of payments and then pay him off.
Now I am an old guy and very technology impaired I mean I just got my first cell phone this year and it sits on the kitchen table half the time. When I was on the breeders site I clicked on the link for financing and was approved. So when they sent the contract (this is where the idiot part really comes in)they asked me to digitally sign contract. I scrolled down without reading and signed contract. I thought I was getting financing that was the only word used up to that time.
So now a month later I check my checking account and see that they had automatically taken the payment out. I'm thinking to myself damn I must have accidently went paperless billing and automatic payment. I will go to site and change it. I go to contract to get customer service number and that was the first time I read it. Right at the top it states this is a lease and not a loan. Of course I missed that because I had scrolled down to sign contract. Lease is for 27 months total $7500 total. Then I read after 27 months the dog is still not yours you have to pay them another $500. So now that puts a $3150 dog to $8000 dollars. I'm thinking to myself fine I will pay it off now. Problem is if you pay it off early you still have to pay 75% of the lease which still puts the dog at twice the price I was supposed to pay.
Has anyone ever heard of leasing an animal? The terms of the contract seem kind of predatory and the way it seems to lead you to believe you are financing instead of leasing. Plus whoever has heard of leasing an animal it never crossed my mind that I was leasing. So do I have any remedy for being king of all idiots or am I just SOL?
Here is a pic of our new buddy.
https://imgur.com/a/WY0SbHf
Now I am an old guy and very technology impaired I mean I just got my first cell phone this year and it sits on the kitchen table half the time. When I was on the breeders site I clicked on the link for financing and was approved. So when they sent the contract (this is where the idiot part really comes in)they asked me to digitally sign contract. I scrolled down without reading and signed contract. I thought I was getting financing that was the only word used up to that time.
So now a month later I check my checking account and see that they had automatically taken the payment out. I'm thinking to myself damn I must have accidently went paperless billing and automatic payment. I will go to site and change it. I go to contract to get customer service number and that was the first time I read it. Right at the top it states this is a lease and not a loan. Of course I missed that because I had scrolled down to sign contract. Lease is for 27 months total $7500 total. Then I read after 27 months the dog is still not yours you have to pay them another $500. So now that puts a $3150 dog to $8000 dollars. I'm thinking to myself fine I will pay it off now. Problem is if you pay it off early you still have to pay 75% of the lease which still puts the dog at twice the price I was supposed to pay.
Has anyone ever heard of leasing an animal? The terms of the contract seem kind of predatory and the way it seems to lead you to believe you are financing instead of leasing. Plus whoever has heard of leasing an animal it never crossed my mind that I was leasing. So do I have any remedy for being king of all idiots or am I just SOL?
Here is a pic of our new buddy.
https://imgur.com/a/WY0SbHf
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