United Auto Credit [UACC] review: It has been total hell! 25

To all you people whining and complaining you knew what you signed want better options get better credit I have had no issues with this company but again I knew what I was signing they fully explained how everything worked make your payments get better credit take responsibility for your own actions this company does exactly what they tell you too honestly they are ones taking the risk giving expensive loans to one's haven't proven themselves be thankful someone financed you

My son made the worst mistake of his life when he took a loan for 40K at 16% with this usurious and predatory company. They fully understood that his expense-to-income ratio was upside down before they approved the loan. He was completely misguided in applying for the loan, but he really did not understand just what he was doing. United Auto Credit, on the other hand, knew full well what they were doing. No credit? Sure, we'll hang you up in legal fees and interest payments for the rest of your life, and when you default on your loan, we'll repossess your auto, sell it off at auction, and push you into bankruptcy.

This company should not be allowed to make loans. Period. Congress should act to regulate them. Usury is defined as an interest rate over 45% in Colorado. Really. It use to be over 7%. Coloradans are being screwed by their own legislature as well. This kind of regulation is injurious to all Coloradans.

to all the people on here singing UACC praises, glad you are an employee of this ripoff company because that's the ONLY way you're not getting harassed. That is a company used for people with not so good credit so stop fronting like you pay your bills on time because if you did, u wouldn't have to deal with them. Have a seat and stop lying.

I hate UACC too... they reported me late, when I proved to them they reported my file in correctly they deleted the entire file so, Now I can not received credit for making my payments on time for 5 years.. I agree something should be done about them

For the people who have other bills to pay here's a thought. Buy a car that fits your budget! It may not be the car that you want, but it's the car that you need for now. If you are useing a company like UACC that tells me you have credit issues. For one reason or another you were unable to pay your bills in the past. Yes there are people out there who have fallin on hard times. I am one of them. These companies exisit to help people reestabliah credit after a south turn of events. Unfourtantly, it also teaches other people it's ok to pay your bills late. Or to repo a car. I'll just get another one. Companies like these take HUGE RISKS when offering you a loan. So when I hear people complain about collection practices, I have very little sympithy. So, in summeration. You fail to pay your bills in the past. A company takes a risk by giving you money and you fail to pay them back on time you have the audacity to complain about it. I have to ask who's the arragont one in this equasion! Take some responsibilty in your life, pay your bills on time and you won't have to work with compaines that have these type of collection pollicies put into place.

They are totally horrible. I will never take a out a loan from them again. I just ignore there phone calls because they are so rude and ignorant. I pay off my loan next month after 5 years...never again...I truly hope they go out of business or a class action is filed due to they way they treat their customers.

yes i agree with the problom that UACC is doing because they feel that if you can not pay your carpayment on time their should come and take the car i always known that we should a 30 days before they start call. but they feel that when the next day after your carpayment is due that should get they money plus the late charge on top of it. they do not feel that some people lose their job or have to go to school and just working a part-time job and have to pay other bill to. but i can also say that some of the employees at UACC try to work with you and give you some extra day if you call they and let them know that you do not have the money.

UACC does have a few bad apples but there are also good guys that work there also. I had a few problems with a couple of the workers but after talking to management and paying with a moneygram through Walmart every month ON TIME I never here from them anymore. They even worked with me to change the payment due date to make it easier on my budgeting. We are never late on our payments anymore and after reading these comment I will never be late again...luckily the information they have for place of residence is totaly bull so they probably couldn't find the truck for atleast a month...lol Anyways...I guess what I'm saying is yes they suck but if you pay on time you won't hear from them.

I was sent information on participating in a class action suit in Miami fl, but my daughter was cleaning and through it away..I had to call to participate ...does anyone have the number..My car was repoed by them.

UACC took my rent money when they repoed my car for being delinquent for 8 days. My wallet was in the glovebox and the manager took it and said this is one payment. Him and the repo man laughed and joked when they locked the car up, my wife was crying and she was pregnant. He said "too bad, its not my fault your husbands a dead beat mam, and they laughed. I was humiliated, now I have a good job and make good money, and I was able to get a loan thru my credit union, ..but I tell eveyone in Texas, dont trust them and dont do business with UACC, they are a bunch of legalized thugs wearing white ### and ties, ..they put on the appearance of being professional, but its just a front, in reality they are ignorant and non-educated. The UACC manager I spoke to use to brag about how he did not even have a GED but that he was promoted to branch manager by UACC. When I called in to complain about it, some idiot named Radigan who claimed to be a President but was probably some high school drop out just basically giggled and hung up. I contacted the department of small business consumer affairs they notified me they have recieved numerous complaints and that the company is currently being investigated for illegal collection practices and cooking the books for the share holders, lets cross are fingers and hope the greedy ### get what they deserve..:)

The poster above(James Smith) must be a POS UACC worker because I see alot of posts that state I made the payment a week/month ahead of schedule and this piece of ### company didn't do their job to get their money but instead harass their customers. How the ### are they not suppose to be pissed when a payment is made on time but this ###ing company tells the credit companies that they didn't.

Strangely I see a pattern to your complaints. I notice that the word LATE appears repeatedly in regards to your payments. Here is a little tidbit of information: UACC is a business and you entered into a contract with them to make good on your payment for an auto loan. You are OBLIGATED by laws in your respective states to render that payment or suffer whatever penalties they impose. Just because you do not agree with or like that these are happening to you does in no way make them a BAD company.

I have myself had to make payment arrangements with UACC on two separate occasions. Neither time was in any way a bad experience because I spoke with them with respect that I myself wished to receive. Learn to handle your issues with respect and professionalism and you will find that your life will be expnentially easier to get through.

I make a payment in yours Pensacola Florida Offices. They told me , my payment is 33 days over due. It only a week. Because they say my Decemeber payment. So I paid 305.00 For my december payment, and I ask for two weeks to make my january paymeny. Since this company supose din't get my payment. My bank statement show me that they got a payment. I din't appreciate this company pulling my legs about my payment.

LOL TOO BAD UACC DOES NOT OPERATE UNDER FDCPA

You people have no idea how bad it is. No idea. If you ever have a complaint against any type of debt collector then send them a letter via certified mail telling them this only: "This is my formal request via certified mail tracking number:---- ---- ---- ----, that I am hereby invoking my rights under the FDCPA Sec. 805 (c), that you Cease and Desist any and all communications for all accounts you have on file for me, and for all time." be sure to include an identifier like your social and/or account number. This will shut them up real fast. Did you know that if they don't stop communicating besides to advise you they are ceasing communications, then you have the option to sue them in small claims court for each offense. This will cost you about 5 dollars. Well worth it. Also, go to this website: http://www.creditinfocenter.com/ for more on your rights, oh yeah, go to barnes and noble and purchase a book for 20 buck and KNOW YOUR RIGHTS, YOU HAVE PLENTY AND JUST DON'T KNOW IT. I sued and won 2,000.00 dollars because they were wanting to settle out of court. Don't threaten to sue one of their retarted reps they can do nothing. Call your Secretary of States office, and ask for UACC's register agent, that's who you have to sue, and provide a subpoena to honestly get their attention. Did you know, in order to sue in small claims court in Bexar County Texas, that it cost me 82.00 dollars. Yeehaw, guys I make a living off this crap, it's awesome. For more info go to the website listed above, or e-mail me at jvonallmen84@hotmail.com Go get um guys!