I have had enough of Triads' criminal behavior. I got a loan through them on 2004. Although most of the time I didn't have trouble with them, after reading some of these posts about them, I've started to fear that Triad would start on me like they have with all of you others here. Well, it appears that Triad has done exactly as I feared.
On May 6th, I traded my car in. I was getting close to being 30 days late on my loan, the payment or payoff needing to happen on the 15th. I wrote the check for my new vehicle, and drove off.
Now I know I am responsible for the loan and payment until their payoff is received. But I have no control over how long it takes the new loan to get funded and for the dealer to get the payoff to Triad. I got two calls today, May 17th. One this morning from Triad. The person I talked to was halfway decent to me and I explained that the dealer was waiting for the loan to fund so he could send the payoff out. She noted that in my account.
This afternoon, I got a call from a "Kimberly" at Triad. This one was one of those knuckle busters who came out of the gate threatening me with going to the dealer and taking the car back from them, telling me how I am responsible for the note and payments, etc, etc. She also said the I have already been reported 30 days late to the credit bureaus (nice of 'em, eh?)
She wanted me to give ther the name of my salesman so she could get me, her and him on a conference call, to try to intimidate him into doing something (what, I don't know as he is not in the loop anymore).
I told her if she wanted to call someone, to call the finance dept at the dealer. So, she did (after saying at the beginning of the call that Triad doesn't make calls like that)... I'm put on hold, and I come back on in the middle of the conversation with her and the finance guy who dod my deal. During the conversation about when the dealer would have the check to her, I jumped in and warned the finance guy to hide the vehicle as "Kimberly" was threatening me with going to the dealership and re-po'ing the car. (She did get the dealer name, address, etc... The kind of info one would need to give the re-po company)
"Kimblery" also said they were recinding the deferred payment I got back in November '05 (a deferrment I paid a fee for, now)... Looks like it boils down to this; Either Triad is planning to snatch the car before the payoff gets there (she was told by the finance guy she should have it by next Wed. May 24th), or try to change the payoff amount to include that deferred payment (realize, now, that the payoff amount quoted to the dealer on May 11th includes any late fees, and also that deferred payment, in effect trying to get the payment twice).
This sounds wierd, I know, but I put nothing past Triad at this point, trying to otherwise make the deal go bad, which means I would have to take back my new car and take my old car back, so Triad can pick it up. (This makes me appear paranoid, I know, but just remember who I am talking about).
Bottom line, Triad is trying to make this thing as difficult on me as possible, using their slime ball, bullying intimidation tactics on me. When all is said and done, I still have no control over how long it takes for the new loan to fund and for Triad to get their payoff. Many lessons learned for me, but Triad didn't have to be such assholes about this. Anyone else would have been much more flexible, and not acting like I was some kind of deadbeat slimebucket.
I know what a contract is, I know I am responsible for the payments. I am sorry that this process took longer than the 15th of May to get finished, but there is nothing I can do about it. But the way Triad treats people to me is criminal.
So, for anyone out there who wants to re-tort with one of your "it's your own *&*& fault" posts, UP YOURS! And to Triad CSRs Marie, Jessica, and Deana Cortes, Triad bucket carriers who respond to this and other Triad threads with your senseless blathering in defense of Triad, don't bother. Save your breath.
Angie, how can I get in touch with you in a way that can be posted here without the Editor deleting contact information? I want to be part of any class action that gets started on these beasts.
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