I got my vehicle years ago, financed through this company. Same old story... in the military, young and inexperienced, got a car 'cause I needed one. That's my fault.
No, what's amazing to me is the way they talk to you, their customer. I get that they'd be huffy about a late payment - I'll admit I've had a couple with them - but literally, from the first one, without any prior history of it, they will talk to you like fecal matter, sometimes cuss at you when they feel like it. Doesn't exactly motivate you when they're already threatening legal action when you're 24 hours late.
So, long story short, the transmission blows on this car. I notice in the contract that it's covered under a warranty by SNACC for 5 years. I call them up to have them honor it... No dice. Considering this, I held off paying the payment so I can save up for a transmission build. SNACC calls a couple days later (expected, I grant) and I tell them I'm trying to save up money to fix the transmission... That's still under their warranty... And that's why I'm late. The female on the other end suddenly gets nice (she was practically screaming before) and tells me that the company will reimburse me for the repairs after I pay for it... If I pay a payment now. Found out later from one of their other reps (as I suspected at the time) that SNACC never reimburses for repairs, period.
So this is when I called the financing department and told them they can do whatever they like legally to collect the money. Just take the car - I told them I'd be far more compliant with payment if I had the opportunity to discuss the matter in court with a civil judge.
This is when the reduculousness kicks in. That was two years ago. The car's still parked on my property. They will not take the vehicle, as they state that it's not their vehicle. The money is. Funny thing the car registration says...
They repeatedly send threatening letters, demanding money or they will proceed with legal action "immediately". They never do. That's a clear violation with FDCPA, by the by.
They do other stuff, and maybe I'll add to this after they submit their canned rebuttal to the webpage that gives zero information on their domain.
Bottom line: don't go with them. They're hilarious headaches, at best.
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