My husband and I bought a 2002 Polaris in October. We made our payments on time, did everything right. The 'fixed' interest rate of 9% quickly changed to over 20, as well as the 'fixed' payments of $99.00 went to well over $120.00. That really wasn't a big deal to us considering that we were making our payments and still doing what we thought was right. Then, the calls started. They were telling us that our payments were late, even though the check was sent in on time and it had already cleared the bank. On numberous occasions my husband asked them for a fax number to send the canceled check information into them and miraculously, the money was found.
Then, the sky fell. The other day some guy shows up telling me that I had to tell him where the bike was or I was going to go to jail. I have no clue where it is, and I told him this (my husband had used it hunting and left it in a barn on the land he had been hunting at, I have no clue where this land is or how to get there, all it is is trees, no house nothing). He pretty much told me I was lying and that he was going to go get teh cops. I told him that if he didn't leave me alone (this is where I lost my temper) I was going to blow is head off. To this he replied, we'll see about that.
He proceeded to go uptown to the police station and told the officer up there that I had stole his property and threatening to kill myself. The police officer stated that it wasn't his jurisdicion since we lived out of city limits and furthermore, he knew me and if was going to blow any head off, it would be his (yea, I have a hot head sometimes and we're really good friends with this officer, in the good way mind you, we've never had any trouble and don't intend to either).
He kept calling me after all of this and kept telling me that I would be going to jail and all of that. At this point I was getting really upset. I was home alone with our two children and he wouldn't quit calling. I just told him to go ahead and do what he thought he had to do, just leave me out of it. My name was nowhere on the loan for this thing and he had no right to bring me into it.
Finally, I mentioned the wonderful word 'harrassment' and he seemed to just fold. I told him that he needed to quit harrassing me before I took action into my own hands. To this, he replied that he didn't want to talk to me anymore and that I needed to just have my husband call him. For some strange reason, that simple word made him quiver in his patent leather knock off Justins?!
Well, after all this came into light, my husband decided that it was in our best interest to finance the ATV with a local bank and get them out of the picture completely. I am still wondering if they will continue to (oooohhhhh, get ready, here comes the magical word again!) harrass us when it's paid off and we no longer owe them anything? That is still to be determined. But, I think we're better off getting out from under this decietful, demonic, company (if you can call it that). I don't expect them to get it right 100% of the time, but 99% would be a great thing, but then again, for this company 25% would be a huge improvement.
So, in conclusion, if you are thinking about dealing with this demonic cult, please think twice and remember that reading the fine print won't work with them, because it seems you need a microscope to find out the terms they are refering to.
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