I understood when I went to the lot that I was there because of my credit and had no choice. I knew the risks of purchasing used vehicles, especially from BH, PH car lots. I even tolerated chronic overheating (never the same problem twice), lights burning out repeatedly (for unknown reasons), and basically replacing every part on the car within the first year. Fine, whatever. At least I had a car.
I began to get suspicious of the company when I want in (already a payment ahead) to make yet another early payment, and they asked me for the keys. According to them, because this was considered a high-risk loan, the fact that I had just moved to another apartment and hadn't yet provided a new address and phone number, that they had grounds to reposess the vehicle. Thank god I went in when I did to make the second early payment or I would not have had a ride home from work. Or a case - manditory arbitration. Nice try. I thought that was kind of funny.
So a couple of months later, as the wheel axle was about to break, I was told by the mechanic that the car had obviously been severely wrecked at some point. That was the one question I asked SPECIFICALLY when I bought this car. "Noooo! Of coarse not. This car has been well cared for." I did wonder how they could be certain, but I also knew that it was illegal for them to say with conviction that it had not if it had or if they didn't know.
I have paid the $13,000 loan (on a '97 Neon) down to $2,000. Because of just pure disgust, I have told them to shove that amount up their butts and intended to have them come pick the car up. But the loan has been charged off. So either, who do I give it to, or can I get the title? How does this work? I know it's somewhat irresponsible, but I think it's fair that this death trap money pit at least be in my name. I would rather trade it in than give them the money AND a relatively functional vehicle.
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