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https://www.edmunds.com/car-loan/dont-fall-prey-to-spot-delivery-scams-and-yo-yo-financing.html
A practice called "spot delivery" sometimes pulls new car buyers back into dealerships to pay higher interest rates and bigger down payments on what they thought were done deals.
https://www.ftc.gov/sites/default/files/documents/public_comments/public-roundtables-protecting-consumers-sale-and-leasing-motor-vehicles-project-no.p104811-00043%C2%A0/00043-80228.pdf
“SPOT DELIVERY” IS ANTICIPATORY THEFT AND ALWAYS VIOLATES THE TRUTH IN LENDING ACT RAYMOND G. INGALSBE PALM BEACH GARDENS, FLORIDA Yo-Yo/Spot Delivery. The scenario is the same in all so-called spot deliveries, otherwise called yo-yo transactions. The consumer visits an auto dealer, takes a test drive, signs a creditFile Size: 105KB
https://www.theconsumerlawgroup.com/library/consumer-law-beware-of-the-spot-delivery-technique.cfm
Beware of the "Spot Delivery" Technique, a High-Pressure Sales Tactic Used by Car Dealers. The "spot delivery" is a technique that car dealers use to get you to take delivery of a vehicle immediately after you agree on a car deal.Location: 1508 Willow Lawn Drive, #220, Richmond, 23230, VA
https://www.autocheatsheet.com/car-dealer-scams/spot-delivery-car-dealer-scam.html
Everything you ever wanted to know about the spot delivery car dealer scam, but didn't know who to ask. Also known in the industry as the "financing fell through scam," "resign documents scam" or "yo-yo financing scam." This dealer tactic is very common and widely used in dealerships today.
https://www.ok.gov/omvc/documents/OMVC%20Sample%20Spot%20Delivery%20Form%20JAN2012.pdf
www.ok.govFile Size: 80KB
https://www.avvo.com/legal-answers/spot-delivery-of-a-automoble-2385.html
In many states, that can be illegal. Look at your sales paperwork for a document that is often called a Spot Delivery Agreement and then check with a local Consumer Law lawyer. A Spot Delivery Agreement is a paper that says what how long the dealer has to set up the loan and what happens if they don't get it done on time.
https://www.carbuyingtips.com/top-10-scams/scam1.htm
May 28, 2019 · Also, if the dealer pulls the Spot Delivery Scam on you, be sure to file a complaint with the Better Business Bureau, let your frustration warn others. You can also file a complaint through your state's Attorney General Web site. They are all aware of Spot Delivery Scams, it's a common complaint.
http://consumer.georgia.gov/consumer-topics/spot-delivery-pitfalls
In spot delivery, the buyer takes possession of the vehicle “on the spot,” upon making a commitment to buy or lease on installment, but not yet having a definite arrangement for financing with a bank or finance company. There are inherent advantages and disadvantages to this practice.
http://idealersupplies.com/spot-delivery-form-iada-26/
Spot Delivery Agreement form. Executable as a prelude to an exchange of ownership of a vehicle(s) when the dealer placing a Retail Installment Contract with a lending institution. 8.5 x 11 document. Three-Part form. Qty: 100 Per Pack
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