• Report: #609410

Complaint Review: C.N.A.C. - JD BYRIDER

  • Submitted: Wed, June 02, 2010
  • Updated: Thu, June 03, 2010

  • Reported By: Nicole — Georgia United States of America
C.N.A.C. - JD BYRIDER
2626 S Federal Hwy Delray Beach Florida Delray Beach, Florida United States of America

C.N.A.C. - JD BYRIDER JDByrider Harassing references about my payment Delray Beach, Florida

*Consumer Comment: CNAC nor JD buyrider can harass your references

*Consumer Comment: Not good enough.

*Consumer Comment: What Exactly Do You Expect???

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I purchased my car through this company in April of 2007. For the first 6+ months I paid on time but with loosing my job etc, I had a hard time paying on time. I never have gone more than 2 weeks late except once. They repossessed my car in the middle of the night and tore up my sisters yard. They dragged it 25 feet down hill in her grass. Although I do not pay on time I always pay usually only a week late.

With in one day of being late they are calling my mother who was a reference NOT a co-signer. They harass her 2-3 times a day. She has blocked their calls but she still gets their messages. I personally, being unemployed have no phone. I have no way of contacting them other than by email. My mother asked them to take her off the calling list and they did for about 2 weeks and then proceeded to call her again constantly. They refuse to contact me through email and will not respond. I asked them to email me a credit card form to put my new card on file which will allow me to pay them days earlier and I still have yet to receive that. Do they want their money or not?? Its really ridiculous.

I believe his name is Jim Bartoli. He is a jerk. No compassion unless he gets paid. I've never NOT paid him. Unfortunately my pay period from unemployment has changed so I get paid in between payment dates. I live paycheck to paycheck. If they would change my payment dates Id be ontime. But they have nothing else better to do than harass people all day then try to make it a little easier on the payer and allow themselves to get paid on time. I can not wait till this car is paid. I will never recommend this company to anyone...in fact RUN THE OTHER WAY!!


This report was posted on Ripoff Report on 06/02/2010 07:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/CNAC-JD-BYRIDER/Delray-Beach-Florida-/CNAC-JD-BYRIDER-JDByrider-Harassing-references-about-my-payment-Delray-Beach-Florid-609410. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

CNAC nor JD buyrider can harass your references

AUTHOR: Crystal - ()

 I would suggest that you get yourself an attorney. If CNAC or JD Buyrider was any type of company, they would work with you to be able to help out with changing your dates due for your payment. The references were not filled out so they can contact a person and harrass them.  It is ONLY a reference. If that would happen to me, I would sue their a**es. Read your paperwork, it says NOTHING in it that they have permission to contact your references if the payment is not made and for the smart a** - which is probably an employee of JD Buyrider or CNAC - kiss my a** - it has nothing to do with people not paying their bills. It's about HARD TIMES. Why don't you get a life a***hole...

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#2 Consumer Comment

Not good enough.

AUTHOR: Flynrider - (USA)

"Although I do not pay on time I always pay usually only a week late."

   The reason they had you put those references on your application was so that they could hopefully embarass you in to paying on time.   Apparently, that  hasn't worked.

   The only reason to get a loan from CNAC ( a subprime lender) is because your credit is too messed up to get a loan from a conventional lender.   Subprime lenders are the junkyard dogs of the lending industry.  Since they deal with people who have made it a habit not to meet their obligations, they have, out of necessity,  adopted a very aggressive collection model.  In short, no subprime lender is going to tolerate your casual attitude towards paying your bills.   If you can't pay what you've agreed to pay, you'd better get used it.

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#3 Consumer Comment

What Exactly Do You Expect???

AUTHOR: Jim - (USA)

You gave them references when you filled out the credit application!  Do you think they were asking for them just to send out Christmas cards?  You've got to be kidding!!!

You have no phone.  Do you actually think they are going to forget about you?  If your sister's lawn was torn up by the repo company, then the beef is with them.

Your whole post is riddled with SUB PRIME THINKING!  They are a business, NOT your personal charity.  They did their part by selling you a car and financing you especially in light of your obvious reputation of not paying your bills!  And here you go again...living up perfectly to your reputation.

But there can be a light at the end of the tunnel IF you would start developing some financial good habits.  OK, you lost your job.  An adult takes on another job, even if its not a glamour job so that they can start bringing in some money to pay THEIR OBLIGATIONS.  Why not turn away from sub prime thinking and turn the page?  You can do it...if only you would try.

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