Credit rebuilders with a down payment or secured credit card for good payment history...
I went to Ugly Duckling Auto Sales twice because I had credit problems and I was turned away from major auto sales dealerships. I earn enough to qualify for a auto loan from the major dealerships but I have quite a few blemishes on my credit.
My first trip to Ugly Duckling Auto Sales in the year 1999 resulted in the salesmen telling me that I would have to buy a certain auto I did not want. It was a 93 Ford Thunderbird with over 210,000 miles at a cost of $10,500.00 at 26%APR. He said "You have bad credit and I will only arrange financing for this particular auto you have no choice." I subsequently left the dealership without purchasing a vehicle.
I sent a email to thier corporate office detailing how unprofessional and rude the experience was. I received a phone call from a different location apologizing for the behavior. He contacted me three more times in the next week stating if I come by his location he would make it a better experience.
My second experience was a little better as far as unprofessional sales people but, Ugly Duckling Auto Sales had a promotion of receiving your down payment refunded or a secured visa credit card in the amount of your down payment. I chose the visa credit card. My down payment was for $2000.00 after I made six months of ontime payments I would receive the card processing from thier corporate offices.
I made all my payments on time and after about eight months I had seen no paperwork nor processing for the visa. I contacted the sales manager and inquored about it. I was told that I need to contact the corporate office to discuss this with them. I emailed them about fifteen times before I received a response of the application will be mailed to you but, you will have to qualify for the card and the limit is $250.00.
To date I have seen no application nor a card or even an explanation as to what happened. My paperwork from the sale states I would receive a secured visa card in the amount of my down payment. This is a classic rip off of unfortunate people whom have blemished credit.
I accecpted the high interest rates because I knew I needed to start rebuilding my credit and I figured it was the way to do it. Do not believe Ugly Duckling Auto Sales deceptive selling tactics. As a footnote I have yet to see my two years worth of ontime payments and early payments nor the car loan show up on my credit report. Buyer beware when it comes to Ugly Duckling Auto Sales.
Michael
Smithville, Texas
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