J.D.Byrider / Cnac / harassment/bullies/deception
I bought this car on the Idea that I would improve my Credit. That's what they say in there add, Good cars for people with bad Credit. Yet it should be-We'll sell you a car just to see how much abuse you can take. I happened to get a better deal than most, considering all the consumers that have already complained, my car has only broke down once and I replaced the radiator Myself. You see, First thing I noticed was the front end had markings on the frame of a part that was from a junkyard. That is when I realized something else when my fan belt broke. I thought I bought a six cylinder yet the belt I bought did not fit and it was actually a four cylinder.I except full responsibility for this, since I never counted the spark plugs.Anyway, my real problems started from the first time I was a day late(over a year of on-time payments).The reason was, I was laid off because of work slowing, yet I started a side job.This side job I was working on wouldn't be finished till Sunday and I would be able to pay them on Monday instead of Friday, my regular day for direct payment from my bank account, witch I canceled the day I was let go.I called CNAC and let them know I would be getting a check on Monday.On Saturday half the people that I used as references called me and stated that CNAC was looking for me and I missed my car payment.Six family and friends for one day late!This was after I called and let them know my circumstances.This happened everytime I was a day Late regardless if I call in or not.I've begged to stop calling other people and they state -you signed that a day late we can take your car back and call these people anytime this happened.Harassment is a light word for the way these people work.I've been dealing with this for three years and just recently past the halfway mark for the amount I have to pay for this car.I paid $11, 000 for a this car, $180.00 every two weeks that's worth maybe $2, 000 now and I still owe 5, 500.Trying to get your credit status upgraded by this company is not only a Joke, its Humiliating, and the lack of respect, Degrading you to all the people you know(you have to list 12 peoples names addresses and numbers to CNAC just to get through the Financing part of buying the car, (thats all the people I know by the way).Never working with you, I'm convinced they make money somehow by Repossessing these vehicles. I still make these payments out of spite just to not let them ruin my credit completely. This Purchase has to be the worst mistake of my Financial Life.They could careless who they hurt or step on in your family to get they're money.I'm just barely holding on in this economy and to have this added stress of your worst nightmare of someone to owe money too.OK I have to tell you this One last situation-It was a Friday my car payment is due. I get another call from CNAC, this day is the due day, not a Late day, yet I've already been called five times to make my car payment(this happens every time on my due date).It happens to be 7:30 pm and I answer the phone happy that I have a Check in hand and let them know I will bring cash to the office in the morning. This seems to outrage the manager john that I would even consider waiting until tomorrow. He told me I still had time to Go to K-mart which has Check cashing and after cashing the check for a 5% fee, go to Western Union and Electronically send him the payment. I said this would probably cost me $30.00 to pay my payment in this manner. He said if I don't pay it tonoght I could lose my truck before I got up the next morning.These are the tactics that they continually throw at you if you are going to be a day late, not to mention the numerous times they say with Contempt "you can't find anyone to loan you the money!".These people are ruthless and I could go on all Day about similar situations. Someone Please Help...
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