I bought some furniture at a furniture store they said monthly payment of 175.00. apparently this was a new company that the furniture store is going through. The furniture store already got paid. I got a call from the finance company telling me that i owe more than what the furniture store told me and now my payments are 299.oo a month or pay off the amount in three months. there is no interest apparently. so since the furniture store lied and i can not afford 299.00 a month i will return the items. it has just been five days can i do this. with out a penalty.