I purchased a car from a local dealership and financing was approved through their bank and myself, a cosigner, and the dealership all signed the purchasing agreement with $500 dollars down. A little after a month they called and said I needed to return the vehicle because the financing did not go through. I returned the car and they have not returned my down payment. The contract stated that if the car needed to be returned the doen payment would be returned. I have tried contacting them multiple times and nobody will return my calls. Should I seek out legal help or loose out?