I bought a car from JD Byrider in 2008. I was young, without credit, and had no other choice, or so I thought at that time. Anyways, They took my tax check of 800 dollars as my down payment. Then a couple weeks later 350 dollars then they said I had 101 payments of 173 dollars. I have paid these payments every other week for the last 3 years. I was told I would have my car paid off in June, now they are telling me it will be December. For three years I have thought June, then they changed it. Also I was told that.
Anyways, before my warranty was up I took my car in because it wouldn't back up on a hill. They sent it back saying nothing was wrong with it. Obviously they didn't try to back it up on a hill.
I've been late on my payment a couple of times, but always made up my payments. They always like to harass me when I am late.
On Christmas Eve, last year, they called me saying I was late on my payment, and I knew I made my payment. They kept stating that if I didn't pay them now, then they would repossess my car, and well, I hung up the phone on them saying Good luck finding a tow truck on Christmas! That next Monday when the bank opened up again I went to see what happened to the money I put in there for my car. It turned out that CNAC posted a payment of 140.00. I thought it was weird because they always post 173.00.
The bank looked up there records and found out that they took out somebody else's payment from my account then tried to take out my payment the very next day. All that harassment on Christmas eve was all about there own mistake. This charged me late fees on my other bills, plus my bank fees of 30.00 each time! I thought it was bullcrap really! They sent me a check of 60.00 to pay my bank fees though. It didn't really fix all the crap I had to go through that week.
Because of that, my next payment of 173.00 I figured I would pay late so I could pay my other bills first that they screwed me over on in the first place. Well, they called me today saying they needed the money now. I told them I can't pay til Monday, and they are threatening to take my car. I just don't get it. They can screw me!? Why can't I be a weak late?
All I really want to do is give the car back. If it was in mint condition it would only be worth 4000 dollars. Its not, and I still owe 4000 dollars. All together, I will have paid over 18000 dollars. It's not fare. I could be using that money on my babies, who need diapers and milk. I work my butt off just so they can have their money. Why are they allowed to charge me so much. The interest on my loan to by a car from JD Byrider that CNAC financed is like 25%.
Why don't they explain this in high school before you start real life? Can anybody help? Can I tell them to take the car and still be able to buy a house in a year or two? Can I win if they take me to court? If I give the car back, can they really garnish my wages? Why are they able to do this to me and my family, I'm nothing but a waitress at a restaurant. I only make 1200 dollars a month and they get a third of that. It's just not fare. Please, just help me. Anybody, what should I do?
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