Business ProfileforKoons Chevrolet of White Marsh

Attention:*** Berg General Manager This is a notice to communicate difficulties with the transaction connected with account number XXXXXXXXXXXX that I have been made aware of. As demonstrated in EXHIBIT A, ***** Chevrolet inc is a creditor as defined in 15 U.S.Code 1602(g). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B. The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT A 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605(a). "The finance charge does not include cash comparables. In this contract, the "down payment" is demonstrated in EXHIBIT C as cash down payment . This is a violation of 15 U.S.Code 1640(a) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. It is clear Koons Chevrolet inc would be held liable under criminal liability in the court of law in accordance with 15 U.S.Code § 1611(a) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act . To remedy this situation I am requesting -return of my down payment EXHIBIT Cmade payable to me in the amount of 6147.23 via check to ****** **** I only want communication from this point to be in writing unless you are calling to settle this matter . Arbitration is next see exhibit D Please cease and desist any other communication other than writing to me in regards to this matter. You have 30 days to comply before legal action becomes necessary. I look forward to hearing from you soon . Certified Mail number :XXXXXXXXXXXXXXXXXXXX