JD ByRider - CNAC
Sold me a hunk o junk lotsa problems, sued me w/o notice sold my debt 4 times now ripoff

I along with my ex husband purchased a van from JD ByRider / CNAC in 2001. I purchased the service agreement and they had the vehicle more than I did. I paid every two weeks even though I didnt have the vehicle for weeks and weeks at a time. They never fixed the problem i would drive away and stall out down the block.

I was told by them I could have it fixed somewhere else, nevermind the fact I bought the service agreement with them! My ex husband ended up with the van and the debt in the divorce decree. While looking up my record online I noticed they sued me and him for the vehicle even though they didnt serve either of us. (He left it on the side of the road after it broke down AGAIN, and he didnt make ONE payment either, my fault for marrying an idiot I know.) I was ordered to pay around $150 plus replevin.

I do not know where the vehicle is at all. Since then my debt to them which has now climbed to almost 20,000 with all of their fees, has been sold to four different companies.

I sent the last one a copy of the judgement along with a drop dead letter since they were so not nice to me or understanding of the situation. Needless to say the debt is almost 7 years old and I know they have to list the correct date on my credit report, however they have sold my debt to make it look like I opened a loan with the company and CNAC has my debt listed as a charge-off after I contested all this action on my credit report which is now totally screwed.

Besides the fact they keep selling the debt after they sued me what am I missing here this seems so illegal! I know a lot of people who have been suckered unfortunately by this company.

Do I have legal recourse?

Seems to me like they have broken the law quite a few times as well as these "collection/loan" agencies whatever they are. What can I do I am lost on this and feel I deserve vindication.

Oh and please anyone reading this don't get tempted by their ads. They lied to my face and said they were seperate companies JD ByRider and CNAC, however I caught them in that lie when I showed them the first good remark on my credit report that listed them both as creditors.

Company: JD ByRider - CNAC
Country: USA
State: Wisconsin
City: Milwaukee
Address: 7606 N 76th St

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