I live in a smaller town and on 29/01/2016 rang up a dealer in Perth for RAC inspection for a used car. The dealer agreed in return for $500 deposit on the car which I paid on the phone by credit card. Later on 01/02/2016, the car was found to have problems requiring expensive work and I declined to buy the car. The dealer is refusing to refund the money and threatening to send the lawyer's notice. I had only paid the deposit for getting the car inspected and haven't signed any forms except for the privacy act authorization agreement online on 29/01/2016 for loan processing in case I want to buy the car. I am also worried that on 29th I also sent my payslip and bank details for loan paperwork and fear that they might be misused by them.