Complaint Review: Carmel Financial

In 2012 we had a salesman come to our door to sell us a water softener.  We explained to him that we did not have enough money for it and when he asked how much we could afford I explained to him the most I could pay is 150 a month.  He said what he could do is keep my payments at 150 and I made sure to find out how long we would pay which he specifically told me we would only pay for three years.  He also said he was throwing in an automatic garage door opener and security system with cameras as an incentive and we wouldnt have a payment for 6 months.  He actually gave us the cash for the garage and told us to use that to pay for the garage.  When they came out to install everything they drilled a 2 inch hole through our wall above our back door and ran cables threw our living room for the cameras which broke after a month of having them and once we saw them drilling the hole it was too late to stop them.  3 months later I received a call from carmel financial stating we owed a payment I explained what the salesman told me we didnt have a payment for 6 months and they said that was not the case.  I also received a bill from them stating that if we paid 150 a month we would pay for 16 years which is an astronomical amount for a water softener.  Too make a long story short I told them I wanted the contract and I would not pay until I received which I received two years later.  I believe  that the contract they sent was not what I signed since I would have never signed for a revolving line of credit.  They placed a UCC lien on my property the same month that the water softener was purchased without telling me and now I am about to be served with a lawsuit by Carmel financial for over 13,000.  I am guesstimating the amount since that is what is showing on my credit report as charged off.  I do not know the name of the company that sold it to us and there is no info on the water softener.  No name brand or anything.  I have been searching for documentation but I don’t remember receiving documents from the salesman.  I guess I can chalk this up to stupidity of first time homebuyers.