We allowed our vehicle from JDByrider to be reposessed in January because the vehicle no longer ran and they were not going to fix it. We knew that it would go on our credit after it was sold in auction and we planned on paying the difference.
As we came to find out today that they are reporting to the credit bureau that we are 90 days behind on our payments, but we have not owned or had in our posession the car since Jan. 07. How can they report that we are 90 days behind on our payments when we haven't had the car? Also, they are going to put on there that the car was repoed and still owe a lump sum, so how can they put both on there at the same time?
When I called them and asked, the lady on the other end of the phone asked if I was some kind of lawyer or something. I told her I was not calling to hear her sarcasm but was calling to try to understand this a bit more. Still no straight answer. Does someone out there have a solution???
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