In March of 2005, The Consumer Law Group settled a case against a Virginia franchise car dealership. The dealership advertised a vehicle at one price, but when our client went to pick up the vehicle, the dealership sold it to him for about $5,000 more without his noticing the change since the contract’s monthly payment was what had been promised. Three weeks later, after our client signed the contract and made a large down payment, the vehicle was repossessed because the financing fell through. This practice is known as a “yo-yo deal” or “spot delivery.” The Consumer Law Group threatened a law suit under the Truth in Lending Act (TILA) and the Uniform Commercial Code (UCC). The case was settled for $35,000.