Business ProfileforWestlake Financial Services

Upon studying Consumer Law according to The Truth and Lending ACT (TILA)in 15 USC 1605 THE DETERMAINATION OF A FINANCE CHARGE (a) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The Finance Charge does not include charges of a type payable in a comparable cash transaction.So if "Cash" Cannot be used in Any Consumer Credit Transaction why do I have to put a down payment on a vehicle, it's actually unlawful, illegal and misleading information that's stated in 15 USC 1640 Civil Liability I have the right to obtained twice the amount of a Finance Charge = $81,340 A down payment does not give or guaranteed me credit,I'm already a creditworthy appliciant in 12 CFR ****** Rules Concerning Extensions of Credit.(a) Individual accounts. A creditor shall not refuse to ***** an individual account to a creditworthy applicant on the basis of ***, marital status, or any other prohibited basis.Furthermore in 15 USC 1602 (I) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So when I filled out the pre-qualifier application on CarGurus through ********* Financial my credit card or social security number was ran I need to received my benefit! and sign a Purchase Agreement along with the Title and Insurance included...I honestly deserve a Brand New Vehicle I'm willing to negotiate Futhermore in 12 USC 412 Appliciation for Notes; Collateral Required So the application actually pays for the asset of getting a vehicle with the finance company depositing the application and obtaining the principal and interest...