I was prior military and had imperfect credit. I seen an ad in the local newspaper from JD Byrider. I drove 85 miles to the car lot. They were like vultures. Everyone "wanted" to help. I fell for it. I was the director of nursing at a large medical facility, I had been a nurse for over 20 years. I was very active in the community and in the school programs. I was only shown a few cars and when I insisted it had to be a truck, they went to the back of the building and got a 1994 Nissan Pick up. They said it was a recent trade in and they had not done the complete check. Also, because I was married and lived in "Kentucky" I had to have my husband co-sign the loan. My husband was a 1SG in the U.S. Army Reserves.
So I left the truck so they could finish their elite safety check and I was to bring my husband back to co sign. We came back the next evening and signed the papers. They said that since it was a truck their manager required a higher down payment. But that was OK, because I could write them a post-dated check for the next two paydays to cover it. I also had to give them names of "people that knew me". I told them that my family was very small and I was not from this area. They assured me that this was only for a reference only. So I gave them 12 names of people that knew me. The doctors, nurses, parents at the band boosters, and my son who was in the Army stationed in Hawaii.
About one week later my electric was disconnected and the water company was at my home to disconnect my water. I called the bank the next business day, which was Monday, and CNAC had turned in the post dated checks the next day after I picked up the truck. My family had to go to a Motel 8 for the weekend, we had no electric or water. All of the meats and foods in the refrigerator and freezer were ruined. And I was extremely embarrassed. Their employees were very rude and hateful when I called to question this.
They called all the references and asked them where the truck was and that I was not paying my car payments. I was not close friends with these people. I was terribly embarrassed when the doctors that I worked for told me they were calling there homes. I asked them to stop numerous times, they continued.
My husband was called to active duty in January. All our creditors were notified. According to the Sailor/Soldier Relief Act the interest was to be lowered to at least 6% while he was serving our country. They stated that he was not on the account and sent a financial request to my employer wanting to know my salary and bonuses. (We had the loan for 20 months at this time). I denied the request with payroll, called the State Attorney, and the BBB.
Well, I'm still making payments, I quit my job, I do not participate in any community events, and they still call and harrass me.in 20 months the truck is serviced as recommended by our machanic, it has had a new clutch, new brakes, a water pump, a drive belt, and a NEW motor. They stated that I did not give them a payment for this payday. (with only 8 telephone calls), I personally took them a replacement check Friday, I got a message today from my bank that I was overdrafted AGAIN. The original check had been run through the bank as well as the replacement check. IMAGINE THAT!!!
I have just a few more payments! If they don't repossess it before then. I have paid over $9,000 and $4,100 in repairs for this 1994 NISSAN Truck. I can not afford to let them take it back, the attorney said that they will sue me for an even larger amount.
Please listen to me!!! Do not buy a vehicle from them walk, ride the bus, ride a bike, or make a deal with a private seller!!! They are rude, hateful, and dishonest people that work for a rip-off company.
Thank You,
Revenia
Munfordville, Kentucky
U.S.A.
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