I purchased my 1998 Mitsubishi Mirage at a car dealership in February of 1999 and that is the day I messed up my credit. I was only given a choice of two cars which were the same except one was a manual and the other and automatic. I chose the automatic. I was 20 at the time and had very good credit.
I was told I needed to get my dad to co-sign with me, which he did not want to do but did so anyway because the dealer informed us he could be removed from the contract after 6 months. I was also told I did not have to pay for the month of February and payments would start in March. That worked out for me b/c I used all my money for the down payment and did not get paid until the end of March. WELL, come March 1st I had received a bill for February! That should have been my cue to go ahead and turn the car back in.
After purchasing that car I've had nothing but trouble. I lost my job and when I informed Arcadia, they let me miss one month and after that told me to pay them the regular $251.48 and when I could not, they harrassed me, my sisters, my aunt, friends, neighbors, and my parents DEMANDING I pay them. I am finally getting on my feet again with another job and my boss has already gotten telephone calls from Arcadia wanting her address.
The car I have is garbage anyway. A police officer told me when he was trying to unlock my door, it looks like the car had been broken into, the door light stayed on until I put masking tape over the doors (3 of them), there is a small hole on the floor in the back behind the drivers seat. I had to get a new transmission, a new back bumper because I was in an accident. And the accident I had was b/c something is wrong with the gas pedal and I could not get out of the road soon enough.
For anyone who is trying to get a car and you are told you could only get financing thru Arcadia... Go ELSEWHERE!
Did I mention I owe about $7,000 on a $10,000 car the is only worth about $4,000 if that? Oh yeah, it's been about 3 years since the tape player worked...
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