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- This is Dan Whitney with the Whitney Law Firm in Towson, Maryland. You found this video because you're trying to figure out what to do when the car dealership refuses to cancel the warranty. So I've been a lawyer for about 10 years. Part of my practice is suing car dealerships, I sue them for a lot of different reasons including when they refuse to cancel the warranty. So the first step is how did the warranty get purchased? Did the customer actually want to buy the warranty or were they deceived into thinking that they had to buy the warranty? Plenty of people want to buy warranties or vehicle service contracts or other aftermarket products that you have the right to cancel later. Other times the car dealership will tell a customer that in order for financing to be approved, they are required to purchase the warranty, vehicle service contract prepaid maintenance, gap insurance, whatever it is as a term of the financing approval. What they'll say is the bank wants you to protect your investment. And if you don't know better or you don't know otherwise, you might think, well, okay, I guess it's reasonable. I guess I have to buy this 1,000, 2,000, 3, $4,000 product. The truth is I've not seen a bank that requires anybody to purchase a warranty or a vehicle service contract or prepaid maintenance or gap insurance to have their financing approved. But it's an easy way for car dealers and finance managers in particular, to make extra money, to sell another product and to get their commission and overall profit to be higher. Of course, money is the main reason for why they don't let you cancel the warranty or other aftermarket product. So usually the reason that they don't let you cancel it, many people wanna cancel within the first 90 days. Sometimes it happens after, but a lot of times it's in that first 90 days after the person buys it then they think about it and they realize, you know what? I don't think I really need this thing. I've got enough protection with the manufacturer's warranty or, you know, I know a good mechanic, I'd rather just have my couple of thousand dollars back. Here's what usually happens, finance managers, if they're able to sell a warranty and it doesn't get canceled within 90 days, 90 days is the usual industry standard. If a warranty gets canceled within 90 days, the commission gets taken out of the finance manager's pay plan, they're gonna have to pay it back if they were already paid on it. If they can somehow postpone it until after 90 days, they will get to keep all the commission they made. Of course, what that means for the customer is they're probably not gonna get a full 100% refund after 90 days, they might only get a pro-rata reduction of maybe 95 or 90% or something else. So that's why a lot...