In October I was attempting to sell my 2001 Honda Accord and was contacted by someone at American Auto Management who explained they are a good alternative to selling a car. They said they had a "worry-free" situation where they place someone in your car and then guarantee that every monthly payment is made. Sounded pretty good, so in January I finally went in and turned the car over.
So on January 8 American Auto Management entered into a contract with me concerning my 2001 Honda Accord. They would find a user to take over payments, and then they guaranteed payments would be made on time to my credit union every month.
They said they would notify me as soon as a user was found. After not hearing whether my vehicle had been placed for several weeks, I called AAM and asked what was going on and why I didn't see my car on the list of available vehicles if a user had not been found.
He said a user had been found and I should have received a letter, but said this "must have fallen through the cracks." He said he was the owner and assured me I didn't have to worry about the vehicle anymore, that payments would be made and that I could cancel my insurance.
I finally received a letter dated Feb. 4th, the day I called in, from the owner, Denny Hilliard, indicating that I was no longer responsible for the payments on the vehicle. They were to make the $347 payment that was due on February 20th. A few weeks after that I received a letter from my credit union indicating that the February payment was not made and that the March one was also due shortly.
I called around March 15th and told them 2 payments needed to be made, that one was very late, and was promised by Eddie Calles that it would "be taken care of." When I told him I needed better than that, he again assured it would be taken care of.
So I called my credit union on Friday, March 18, to see if they had received payment from AAM. They had not. When I explained the situation and that I didn't want to have a negative report on my credit report, they suggested I make a payment by phone since that coming Monday the account would be more than 30 days past due. I made the payment myself by phone and the next Monday showed up at the AAM office.
I demanded reimbursement and told them that the March payment was already now a day late. I also gave him paperwork from my credit union telling me that they had not received the insurance verification for the new user. I asked him to verify the insurance and to see that all future payments were made on time, etc. Eddie paid me in cash for my check by phone and assured I should trust him and it would all be better from here on it.
That was March 21st, and it wasn't until April 4th that my March payment was finally made, and that was only after I called him personally and told him it still had not been made, so he wrote out the check while I was on the phone.
And as of April 14th, I was still trying to get them to send appropriate verification to my credit union to avoid being charged $2200 for an insurance policy. And now today, April 15th, when Eddie Calles said my April payment should be made, there has not been a payment received.
Not one promise our obligation in the contract has been kept by AAM. Because I didn't want to have to deal with this nightmare for four more years, until my vehicle is paid off, I went into the AAM office today to request my vehicle back, indicating they had not honored the contract and I was done with them. Eddie Calles, the manager, started yelling at me for daring to come in there and say he had not done what he said he would do.
He couldn't provide any proof of a payment for March when he dared to pull the payment file out and "show me" that he's kept his word. He finally threatened to call the police for trespassing, and I told him I would do everything in my power to raise hell for him and his company. With only one of the payments made in the 3 months they have had my vehicle, they might as well be driving a stolen car!
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