Triad hosed us from the beginning. Let's look at this from the start -
First months payment was sent out 11 days before it was due. We started getting calls on day 11 stating that the payment was not received. We now faced a late payment... I was ticked and called the company the next day asking if it was received and they stated, "yes, it posted yesterday, but it takes 24 to 48 hours for the payment to post." So I asked why they would call on the due date and start in about late payments. I was told that should we 'choose' to mail the payment in, we needed to do so 2 weeks in advance.
Now let me state that at the time of financing, we had to pay $1100 down payment on a $13K vehicle, and we had no checking/savings account nor a credit card. Making a payment via money order 2 weeks in advance is tough especially when you are paid once a month, which they were told and that is why the payment was due 5 days after my pay date. The 2nd payment was by money order and was received on time. No word from them.
The third payment was sent via money order exactly the same amount of time before the due date as the prior month and they said they never received it. I advised them that I would then cancel the money order and send a new payment (like I could afford to be out an extra $350). I was then told that if I cancelled the money order and they received it and it was returned to them I would face HUGE fines (I don't recall how much they said, but it was almost my car payment). I money-grammed another payment at my own expense.
The fourth month, I cancelled the money order as it was not cashed yet. I had my employer go ahead and call in a payment off of his debit card. The payment was withdrawn but not applied to my account. There was a money transfer laying out in limbo not doing anything, so he cancelled the payment and took cash down and moneygrammed ot for me.
This is the month that I was told that we were due to have the car taken back because we do not have a checking/savings account anymore. I came unglued and told them we have not had one since way before getting the loan, and the woman told me that we were inelegible for financing through them without it. I thought, 'well, you messsed up then, and gave us the financing'
THe fifth month payment was sent 2.5 weeks early via money order and was told it was not received in time and the fees that were assessed to the account because of the previous two months makes that payment ($344) entirely late payments. We still owed a payment.
Month 6: The business I was working for was going under... Long story... By the end of this month I sent them a payment from my dads account... Guess what? Did not count as a payment, it was last months payment minus late fees minus penalty minus who knows what... So now we were behind by 1.5 months...
Month 7: no paycheck for me, told deffered payment papers were in the mail...
Called again - still in the mail...
Called again - still in the mail...
Called again - still in the mail...
Do you see the pattern? Well it changed... Suddenly it was, 'hey, I am your friend, talk to noone but me' when I asked for a manager... We are now in...
Month 8: received a nasty call from an agent (yes ever since month 5 it was at least four calls a day) saying they were going to get the car if I did not send $100 dollars in late fees by the end of the day... Borrowed the money and did it, then a few days later they call my wife screaming and yelling... I call Jackie the agent who was my 'friend' and she said no, it is cool no repo, do not talk to anyone but me...
Fast forward to the end of the month... Car is picked up and suddenly we owe them $1400 to get the car back from them after a 3 AM repo... It took them days to give us the total as they stated they had no way of knowing where our car was... We are without it now and (2 months later) have no idea what we still owe them, or where the rest of our personal belongings are out of the car...
We paid them at least 2500 on the car throughout our experience including the down payment and after the repo they said our balance was over $16K... That is ridiculous, and I am out the money and we are without credit at all... Help me to let everyone know that Triad is a scam... Horrible!
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