Autotrakk Lycoming Auto Trust taking advantage of the situation Williamsport, Pennsylvania

This company likes to take advantage of people and families who are in dire financial situations and have trouble finding financing for a vehicle.

I responded to an advertisement for easy auto loans. It advertised for help for people with bad or no credit, even if there had been repositions or bankruptcies.

they took some information over the phone, and told me that they thought that they could help. I was told to come in to look at their inventory. Myself, my wife andtwo of our daughters went to the dealership, Priceless Automotive, in Uniontown, Pennsylvania. we were looking over the vehicles that were on the lot, when a salesman came out and aske what we were looking for and our names, which seemed perfectly normal as this was not our first time at a car dealer. He went into the office and came back out with a female salesperson and told us " We pulled your file, here, what do you think of this van?" We told them that we were not looking for a van but for a small SUV that was good on gas. We inquired about a few that were there and were tald that none of those vehicles would fit into the programs that they had for us. they already knew from the information that had been given to them, since they pulled our file, what our financial situation was and where we stood on a down payment and monthly payments. Still the "only vehicle" they had for us was this van. We were also very honest and open with them, so they knew that we felt that they were our last hope, and they played on that telling us that they probably were the "only" ones that would help us.

To shorten this report, they wanted sixteen hundred down ( they knew that we had only five hundred) they said thats ok, we just won't tell the bank and you can make payments to us,making us believe that they were really trying to help us. We agreed and they started the paper work. Now keep in mind that they had on file that we could only afford around three hundred a month, and they were reminded this several times. aftre the paperwork was done and signed, their "Fianacial Manager" came in and took over the situation. He showed us that our payment would be $113.09 (This we thought was great). He talked about the down payment, and said that to not cause trouble for us, that if anybody from their financers bank should ask,"Don't say anything about the payments for the down payment". When things were almost done, he told us about a device that would be put into the van so that if we didn't make our payments they could disable the van. I believe his words were "this isn't a tracking device, its only a switch to turn the car off if you don't make your payments. Jokingly we said that payments wouldn't be a problem, especially, since they were able to get the payments down to $113.09 a month. That's when we were told that it was $113.09 a week and if we were more than three days lote, that the car would be disabled and would not start until all late payments and any late fees or penalties were paid.As I said they knew were we stood on needing a vehicle and what our financial situation was.

Now, it's bad enough that we were made to feel that this was our last resort and that we had no other options on geting a vehicle, we would now be hit paying $452.36 without lat fees or anything else, the insurance, because of the coverage limits that they wanted or we could not get the loan approved, costs anither $186.00 a month which now has raised our payments to $638.36, without the payments to the dealership, Priceless Automotive of Uniontown, Pennsylvania, for the down paymentthat they told us not to say anything to the finance company, Autotrakk of Williamsport, Pennsylvania.