I opened up an account with RoadLoans to help my sister purchase a car two months ago. I am a very credit conscious person and check my balances almost obsessively.
I went to log onto triadfinancial.com to check my account today because I mailed them a payment well over a week ago and it hasn't come out of my account yet. The website doesn't exist anymore! It was available to me last month. I even tried roadloans.com and that website is also gone!
I did a google to see if they changed their website address and this was one of the first pages that came up. Which means it has more hits than any other website involving Triad or Roadloans. I did this to help my sister and now I'm worried I signed up for five years of hell.
After reading as many experiences as I could in the last hour, I went through all my paperwork I signed and I noticed there is no interest formula specified anywhere. It does however state very clearly my monthly payment and the term. It also states the total amount I agreed to pay at the term of the loan. I have moved this contract to a FIREPROOF drawer to eliminate added stress on my end. However, I'm still very worried.
My credit score dropped severely when I opened up this loan because I'm now considered more of a risk. I have opened up 3 new accounts in the last 12 months. (I'm also an obsessive credit report checker) So now I don't think I can refinance! I'm feeling very vulnerable and trapped and I'm so so very sorry to all of you that paid your bills on time in good faith and still had problems with this company. I hope I am not their next victim. The bill was due on the 19th. We'll have to wait and see if I get a call on Monday for my tardiness, even though I mailed it over a week ago to an address located in the same state!
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