credit company trying to make me liable for product I don't want

What is the name of your state? AZ

I bought one of those vacuums they sell door to door, I called w/i the 3 days to have them pick it up, there # was disconnected. I signed a loan app with Beneficial but it ended up being denied anyway.

They must have gave it to a new company who is now hounding me for the money, but I don't want the vacuum, I've tried to give it back numerous times, they say that the loan is paid and that they can't use the vacuum, they just want the money. I never signed anything with any other credit company. Can they really make me liable?

They are just taking advantage of my gullible self. What can I do?
Thank you!
Jade

[JETX]

What does the agreement say about cancelling the contract?? If the sale was done in your home (as you say), the contract should state the requirements. The problem here is... you say that you tried to cancel within the 3 day 'cooling off' period by calling them. Most states require that this 'cancellation notice' be in writing, not be verbal (phone).

Simply, if you did not comply with the requirements of the contract and your state laws, you have allowed the contract to validate. And that would make you liable for the claims being made.

The applicable Arizona statute requires that this notice be in WRITING. Read Chapter 15 at:
[url]http://www.azleg.state.az.us/ars/44/title44.htm[/url]

For more information, go to:
[url]http://law.freeadvice.com/resources/gov_material/ftc_cooling_off_rule_5_96.htm[/url]
or
[url]http://www.law.arizona.edu/library/internet/legal_guides/consumer_protection/Three_Day_Cancellation_Rule.htm[/url]