I would like to share my own story about how Im getting back at Americredit. I purchased my gold, 1999 Chevrolet, Monte Carlo in February of 2000. Things were great at first I had a nice job and could afford all my bills. Then in July of 2000 I got laid off. I got another job but wasnt making near what I had been. I was late on a couple of payments and had to put up with harassing phone calls from americredit reps. The only reason I could figure why they were calling was to see if I was still breathing cause they werent going to any money from me.
Then in June of 2002 I was in really bad financial trouble, like I had no money! I didnt even have money to feed my son or myself. I borrowed money from family to help with the bills but I couldnt see any light at the end of the tunnel. During this whole time I had kept in contact with Americredit, and they had deferred some payments for me. But I was now coming close to being three months behind. The phone calls got worse, it wasnt just about asking for the payments, they personally attacked me. Told me that I should sell any valuables I have to come up with the money. They even told me to go to the Department of Human Services, that they had a program that would help me make a payment. By the way they dont.
Then by a heinous act of my ex-mother-in-law, she gave them the phone number to a temp job I was working. This real piece of work named Mike Murphy called and wanted to know why I hadnt made a payment. Duh, cause I dont have it, and I told him not to call me at work, he said that he would call me where ever he felt like and that I should make my payments, and that I was nothing but a small minded looser!
Needless to say I hung up on him. After I got home from work I called the customer service number to file a complaint about Mr. Murphy. I spoke with some woman who claimed to be his supervisor and said that she would take care of it and apologized to me for the way I was treated and that he wouldnt be calling me anymore. When I returned to work the next day my boss approached me and said that a Mike Murphy called for me and when he was told that I was not allowed to take personal phone calls and not to call there again, he cussed out my boss.
I called customer service again to complain. I informed the lady that I was going to sue if the harassing phone calls didnt stop. She sarcastically asked me how was I going to afford an attorney if I couldnt pay my car payment. I informed her that the law was on my side and that I didnt have to seek a private attorney to sue them. She then tried to turn the tables by bringing up the fact that my account was past due and that they were coming to get the vehicle, I told her to COME AND GET IT! Then I advised her that I know what scare tactics are and the only one who will lose is americredit, because if they repo the car they wouldnt get another red cent from me.
I tried filing a complaint with the better business bureau, Americredit never responded to resolve it. I went online to file a complaint with the home office, no one ever responded. All they care about is getting the money and they will stoop to the lowest levels to try and do it. I decided if they wouldnt address the problem I had to take action on my own.
I finally made up my mind that I was sick and tired of the harassing and degrading calls. I had my phone disconnected, and I moved. I havent made a payment to Americredit since August of 2002. Word has gotten back to me that they have sent the repo man for the car but they havent been able to find it. They wont find it either. I am probably on Americredit most wanted list, who cares? I am sick and tired of them thinking they can treat you any way they want to and I have decided to settle out of court and awarded myself a free car, ha ha ha!
Some people might say that Im ruining my credit, well a little to late to worry about that now. It was ruined after the first late payment. Or that I signed a contract and promised to pay, true I did make a promise, but this is my solution to get even with Americredit.
some where in, Maryland
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