In 2001 I bought a USED Nissan Xterra for my daughter, she was paying for it. At the dealership that day, they had me give them 2 post dated checks, totalling $7,000 for a down payment, which took me almost a year to pay off. We never got credit for the money.
I asked for the checks back, and checked into it, and it was against the law for them to even hold checks like that. My daughter paid $526.43 per month. 2004 rolls around, which means she has paid over $25,000 on a vehicle that wasn't worth $20,000 brand new. I lost my job in June and Angie broke her hip, was out of work, but I borrowed $1,600 from a friend and sent to Transouth in January.
They had a habit of never giving us proper credit. Angie did not live with me at that time so I was unaware of how the account was being handled. It turns out they were harassing her constantly, adding on this fee and that fee, etc. She went back to work but died in March at age 29, from a blood clot. During this time I was completely devastated.
I did not know the Xterra had even been repossessed until a member of my family told me they had picked it up from where Angie had been living. If I had known I would have tried to work out something after all the money we lost. These companies are a complete rip off!
Now, CitiFinancial has hired a third party, Mann Bracken, LLC, 209 10th Ave., Nashville, TN 37203, atty. Nicholas H. Adler (615) 296-9337 and has summoned me to Civil Court for $7,5222.75. Not only can I not pay this, I don't feel I should have too.
I wasn't notified or given a chance to keep the vehicle, and after losing my child made it that much more horrible. I am a good person and they have also left on my credit report that my original loan was $36,000 (for a USED vehicle) and no explanation of payments or anything. If Angie had been so behind, wouldn't they have taken the vehicle long before 4 years had passed? I need an attorney to help me because I would love to counter sue for being ripped off and for harassment to me and my daughter that ended up in her losing her life. I am not gainfully employed because I suffer from depression and anxiety. I have worked for 30 years so I am not just pretending so I wont have to work. I have to support myself. Any help would be greatly appreciated.
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