I too was such a victim in the Canton OHIO area from this company.
My payment's were automatically taken from the checking account. They took the payment out whenever: it was never the same time as stated in the contract, which bounced my account a couple times and they sure didn't pay the overdraft fee's either.
I switched job's and told this company I had to change my due date to the 15th and last day of the month. This company refused to work with me and kept charging me a late fee payment on top of the regular car payment.
Several times a week the office girl named Tena would call and leave messages my payment was late and when was I making it.
Repeatedly I told her. I only get paid on the 15th and the last day of the month. She was very rude and told me I had to pay it or they'd reposs the car.
Then she was calling my employer asking to give me a message.
They even sent them a letter verifying when my payday's were and they were willing to do payroll deduction. This company refused saying they could not change the due date.
On June 21st, 07 Tena called me saying I had to make the car payment now and the late charge fee or they were going to repose the car. I told them fine come and get it it was sitting in the driveway and the key was in the glove box. For three weeks the car sat in the driveway. Finally I had enough and drove the car to their car lot on the corner of West Tusc. and Wertz in Canton OH Friday the 13th, July 07.
On the 18th I went in and sign release paper's on the car.
Several weeks later I received a notice in the mail saying:
ON 7/25/7 CNAC repossessed your 2000 CHEVROLET IMPALA
serial number 2G1WP55E6Y9265624. The Collateral for you loan #1708056.
You are in default because
1. You failed to pay your installments when due 7/2/7.
2. You failed to maintain full coverage car insurance with CNAC as Loss Payee.
3. CNAC, in good faith, believes that you cannot, or will not, pay or perform Your obligations under the Retail Instamment Contract.
If this is your second, or greater, default you must pay off with cash or certified funds the entire Loan balance before NA in order to reclain vehicle. If your vehicle was impounded by the public official, you many not be able to reclaim the vehicle. In that case you will have to contact that official or agency to determine your rights to the vehicle. If this is your first under the Contract, you may cure this default be paying to CNAC, in cash or certified funds in total of:
1. Installments due and past due $632.48
2. Unpaid delinguency charges $ 40.00
3. Redemption Fee * $ 25.00
*Note: the total repossession expense is $205.00 of which $180 will be added to your loan balance, if you reclaim the vehicle.
4. Security deposit equal to two (2) installments $316.24
5. TOTAL $1013.72
YOU MUST ALSO RE-QUALIFY FOR YOUR LOAN by providing veriable proof of residence full time regular employment, sufficient income for all obligations, working home phone number, and full coverage car insurance policy that list CNAC as loss payee/lien holder as required by your loan contract.
NOTICE OF SALE
Such payments and information must be received by CNAC no later than 21 days after your vehicle was repossessed that date is 8/14/7 you do not cure the default before that date, CNAC will sell the above-mentioned vehicle at public auction on 8/18/07 11AM at Consolidated Auto Auction, 351 16th Street SW, New Philadelphia OH 44663. The vehicle will not be sold for less than $50.00.
YOU WILL BE HELD LIABLE FOR ANY DEFICIENCY
Your vehicle is now in a storage lot and will remain there until the day of the auction. You may recover any personal items remaining in the vehicle up to 30 days after the date of Repossession. If you need to retrieve items before that time, you may call us to arrange a mutually agreeable time and place for you to remove those items from the vehicle.
Funny part is my brother and I took the car to the car lot on W> Tusc and Wertz in Canton OHIO on Friday the 13th, July 07 and put the key inside their drop box. I also went in and signed a release paper saying I turned the vehicle in because they refused to change the due date on my payments due to a job change pay days were not until the 15th and last day of the month. So how could the I D 10 T's have repossessed it. DAH!!! Here's your sign dumby.
The full coverage on the vehicle was not cancelled until July 31st, 2007. My insurance agent notifed them by mail when I showed her a copy of the above letter they sent me.
Notice in the above letter they say they are going to requalify you for the loan, yet when I only wanted them to change my due date they flat of refused to do it.
Now I have to go to court over this ###.