I had some financial trouble in the past with mostly medical bills and had to file bankruptcy. Due to this I couldn't get a car loan. The car I was driving was a 94 with over 220K miles. It was always breaking down and that was making me miss work. I needed another car. I didn't have the money for a big down payment and ended up at JD Byrider. Well, at first the "program" sounded great and the salesman, who doesn't work for them anymore, made it sound wonderful. I had never bought a car before with payments since all the others I had were bought outright from friends and private deals.
So, I signed up for the "program" and bought a 2001 Ford Taurus with 73K miles. It ran great for the first few months but now the trans is slipping badly, the rotors are warped and a bunch of little things like dash lights and mirror adjustments are not working.
A few months ago, August 20th, I lost my job but found another one quickly and didn't fall behind on my payments at all. I did call them to see if I could pay weekly since that is how the new job was paying me and they said that was fine. All was well for a bit until I realized I wasn't able to keep that job due to the lifting requirement not being disclosed to me at first and my health not allowing me to do it. So, I went to another job which is working out great.in the month that I was out of work I fell one week behind on my payments and the phone calls started. They call me sometimes 5 times a day even though I just made a payment in person and they were very nice. The account manager who holds my account, Debbie at the Hermitage, PA location, is EVIL! I called the one week to let them know that I got mandated and would not be able to make it in by 6pm to make my payment. I would drive up after work to put it in the drop box. She literally screamed at me and told me I was an irresponsible idiot and if I wanted to keep my car then I would find a way up there right then to pay it. Up to this point I had never been even a day late!
Right now, I still have the car but am a week behind on payments because I don't get a check until the 11/05 and I told them this and that I would catch up everything on that day. They keep telling me they're coming to get my car so I keep hiding it even though I've never seen a tow truck at my house, I have video surveillance. I don't know how soon they actually come to repo but that Debbie lady told me that if I was even 1 day late they would be out that night to get my car.
They have no sympathy for anyone. Haven't any of them ever fallen in a pinch and needed a few weeks to pay something? Have a heart people. I'm not * that they sold me a car that was worth 5K for over 11K or that it is already having problems which they won't fix. I just wanted a short amount of time to get caught up. I will never recommend them to anyone and I am going through a legal service to find out if there is any recourse for harassment and being treated the way that woman did to me. I don't speak to anyone in that way and I sure won't accept it from her.
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