DATE

YOUR NAME
ADDRESS

DEALER NAME
(DEALER DBA NAME GOES HERE IF APPLICABLE)
DEALER ADDRESS

ATTN: (CEO, GENERAL MANAGER, REGISTERED AGENT,)

RE: VIN NUMBER FOR VEHICLE

I, (full name), a consumer who is natural and living person, holder in due course,
And creditor affirms that I am familiar with the facts stated within this notice. The purpose of
this letter to provide you physical written notice and directions to be enforced.

On, (insert date of transaction with the dealer) I consummated a consumer credit contract
under good faith and credit. This however, was and is not a loan. I would like to bring to your
attention to the statue 16 CFR § 433.1(i) which iterates “Consumer credit contract is any
instrument which evidences or embodies a debt arising from a “Purchase Money Loan”
transaction or a “financed sale” as defined in paragraphs (d) and (e) of this section.”

With that in mind and proper understanding you can review the definition of a finance charge
as it is legally defined in 12 CFR § 1026.4. With this is mind, I recall, (insert salesman name)
verbally implying that (dealer and/or bank) required a down payment of (*insert down
payment)

With these laws and sequence of events, verbally and otherwise, my federally protected rights
have been violated. It is mentioned in Regulation Z that you can be fined up to $5,000 for giving
false and inaccurate information as well as not providing the consumer with proper and
respective disclosures.

You, (name of dealer), have 30 calendar days to return the falsely and illegally obtained down
payment of (*insert down payment amount*) to me, (insert name), to (*insert mailing address).

Upon receipt of this initial communication, I will keep note of all correspondence, or lack
thereof, made by mail, telecommunications, and otherwise methods of communication. This
communication requires a response within the allotted threshold.

Regards,

(LAST NAME: FIRST-MIDDLE)

U.C.C. 1-308