In October I purchased a 2000 Chevrolet Cavalier that had 90,000 miles on it. It's a 2 door, nothing fancy. Blue Book value on it right now is no more than $2000. The sticker price was $7000 and with interest I will have paid $12,000 for a $2000 vehicle.
From October until June I was never even a day late with a payment, as the funds were taken directly out of my banking account.
In early June I lost my job due to medical reasons and made sure JD Byrider and their finance company (CNAC FINANCIAL) knew what was going on. I was behind four payments totalling $508. I got a letter in late July that stated if i did not pay the $508 by August 5th, they were going to begin repossession of my vehicle. I told them I could have them paid in full by August 8th and they actually refused payment stating that even if i was to pay the $508 by the 8th, they would still be repossessing it as they need the full amount BY the August 5th.
Note; by this time I had already paid off the sticker price of $7000 and only had the $5000 worth of interest left to pay...
Since then I have not paid them a dime. They took me to court Monday, October 6th and were granted rights to the vehicle. The next morning I received a voicemail from the tow truck guy looking to take my car, saying that if i did not turn the car in by the end of the day I would be found in contempt of court and the car would be issued stolen. I just got my life back on track and am getting a new vehicle on November 7th, so I let them know I will be dropping off the Cavalier on November 7th.
Now yesterday morning, my phone doesn't even ring, I just received a voicemail. A man stating he was 'Deputy Sherriff Heinamann' (who surprisingly didn't leave a badge number, a district, a county, or even a phone number) called and said that he was going over a complaint and just to save me JAIL time and more court costs, he recommend I call JD Byrider and get something straightened out.
At this point and time, I am not only affraid for my well being, but also anyone else's who may have to take this torture. They have called everyone of my references numerous times, and they have all also explained the whole situation.
I recommend that a company like this be put out of business. How can they charge 24% interest and make you pay $10,000 more than a car is Blue Booked at? Also, how can they call and harrass people, threaten, and impersonate a police officer? They can have the car back, and hopefully people start to get the message that places like JD Byrider hurt you more than they will ever help you!
0 comments