The first and most effective thing you can do is to report Fraud on your account, and have your account number changed; If the "pre-auth" was made to a Debit or Credit card attached to your account, this is even easier: you report your debit/credit card as lost/stolen and get a new one.
once you do this, it doesn't matter how many times the company tries to put through a payment, pre-authorized or not, because there is a STOP on that particular card. In the case of your account number being changed- they cannot put any payment through on a closed account. Changing your account numbers is a little more difficult, but if you claim that a checkbook was stolen they will usually change the account number for you (basically opening a new account). They should do this since your account information is on the checks, and anyone who has stolen them can setup "pre-authorized" payments to your account.
No.
It depends on how the contract was written. It also depends on the laws of the state and the condition of the car when it was purchased.
If you are purchasing an automobile can the dealership file a warrant for your arrest if you miss a payment?
By taking delivery of this vehicle you are agreeing to the terms of the contract. If you could not meet the down payment requirement then you should have never taken delivery. You can try talking to them to work out a payment plan of some sort.
I can't say for sure but according to my research the most likely candidate is Preauthorized electronic transfer. Check the payment again and see if you have set this up at your bank or online for a preauthroized fund transfer.
No but accepting payment does.
Yes they can.
Yes. If your payment is due on October 01, then that is the payment for October. I'm not sure why you would think it's the September payment...
If you signed a contract with payment agreements, you own the car. There's no 3-day cancel rule that applies to vehicles.
If the dealership holds the title (Buy Here, Pay Here) then yes. If the bank you financed it with already has the title and you have your tags, then no. The dealership can, however, place a judgment on you for the amount of the down payment.
You will need to pay a down payment when you get a car at a new dealership.
Absolutely, and it's probably in your contract. Once the due date for payment has passed, the car belongs to the dealership. It depends upon whether the laws of the state where the vehicle was purchased allow judicial and/or non judicial repossession of secured property. If your contract states "no grace period" then the car is "ripe" for Repossession. In some States there is a semi-lengthy Repo process that may buy you some time but if the necessary payment is not made by Closing Time of the Dealership on said day, the car CAN be repossessed THAT night. I base this on Georgia Law. Y-THINK-Y