butter
  • Report: #180545

Complaint Review: Cavalry Portfolio Services As Assignee Of Cavalry Investments As Assignee Of Americredit

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Fri, March 10, 2006
  • Updated: Sat, April 15, 2006

  • Reported By:marysville Washington
Cavalry Portfolio Services As Assignee Of Cavalry Investments As Assignee Of Americredit
7 Skyline Drive Hawthorne, New York U.S.A.

Calvary Portfolio Services As Assignee Of Americredit ripoff Hawthorne New York

*Consumer Comment: Keep Reporting them

*Consumer Comment: Hilda, thanks for the support

*Consumer Comment: what are you so mad about Chip

*Consumer Comment: CHIP YOU ARE AN IDIOT

*Consumer Comment: Let us blow steam

*Consumer Suggestion: To Rachel ... Again

*Consumer Comment: Chip you need to mind your own business

*Consumer Suggestion: Contact WA Dept of Licensing

*Consumer Suggestion: Protect Your Consumer Rights

*Consumer Suggestion: TO RACHEL

*Consumer Comment: So, what is your point Chip?

*Author of original report: Keep your good credit chip

*Consumer Suggestion: My Experience with Americredit

*Consumer Comment: Re: Garnishment....Americredit Dipping Into Your Checking Account

*Author of original report: one week later after garnishment

*Consumer Comment: they will continue to do this because the BBB and Attorney General let them get by with it.

*Consumer Comment: Repossession

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

Six years ago got a car through americredit. Fell on hard times and returned it six months later. They sold the car for 12,800 and charged us 9,907.71.

Cavalry portfolio used plovie law firm in redmond, wa. to bring a lawsuit against us for non-payment in October 28, 2003.

Today, is friday march 10, 2006, without any papers or warning they tried to get 18,000.00 out of our checking account which we didn't have. My husband's payroll is direct deposit on fridays. They took his payroll.

Now we are stuck without any money for gas or food. They took 870.00 and overdrew our account by 100.00. Tried to call them but no one answers the telephone number the bank gave us. We had no clue who was took our money until the bank investigated for us.

Hilda
marysville, Washington
U.S.A.

This report was posted on Ripoff Report on 03/10/2006 10:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cavalry-Portfolio-Services-As-Assignee-Of-Cavalry-Investments-As-Assignee-Of-Americredit/Hawthorne-New-York-10532/Calvary-Portfolio-Services-As-Assignee-Of-Americredit-ripoff-Hawthorne-New-York-180545. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Cavalry Portfolio Services As Assignee Of Cavalry Investments As Assignee Of Americredit

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 17Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Keep Reporting them

AUTHOR: Hilda - (U.S.A.)

Rachel,

Anyone who has any decency knows that milatary people put thier life on hold. They are not in the milatary to make money but to do their duty for this country. I have two brother-in-laws retire from the milatary. Lot's of times they have been in need and the family helps out so I know.

There is something wrong when a company treats our milatary people like they don't matter! A company like Americredit and it's collectors will fall from within. They will turn on each other when they don't get money from the people they harass. Can you imagine working for a company like Americredit. They're employees are probably always on edge and dishonest. Maybe there is one who is an exception but will probably get influenced by the rest. It breaks my heart to read all the stories here. By the way I've emailed all my friends and relatives this ripoffbadbusiness site.

So that others will be aware of bad business all around us. I not only read this site but all the other business's so I can be aware of other ripoff companies and never do business with them.

Sorry for all the troubles you've had in this lifetime. But sounds to me like your building rewards in heaven for all the good you've done and continue to do.
Rachel, THANK-YOU for sacrificing your life in these dangerous times for me and my family. God Bless you and your family.
Hilda
Respond to this report!
What's this?

#2 Consumer Comment

Hilda, thanks for the support

AUTHOR: Rachel - (U.S.A.)

Hello Hilda,

since I dont have a job and I am such an unfit mother, according to Americredit employee , Chip from ANYTOWN, INDIANA, I appreciate your support.

Chip claims his company, has 84 sites and they monitor companies, etc. He works for Americredit or an affiliate or he wouldnt be concerned when people post all the problems they have had with this loanshark of a company. He is on here to demean all the real victims of Americredit and they pay him to do it. He doesnt know anything about what happened between my family and Americredit, so he has no right acting as if these problems did not happen. Actually my husband has a civilian job and is also in the military and I will let CHip tell you what I do since he is an expert on my life.

This site is set up for companies to defend themselves and to make right the wrongs they have done to people. But what they do is hire spies like Chip to do their dirty work for them.
IF they were so legitimate and had nothing to hide then they wouldnt refuse to show up at court. They wouldnt refuse to send proof of how they come up with these trumped up charges and Hilda you know yourself the problems that you have had and who am I to say you didnt have them. I believe you every other person who has had to deal with these loansharks. They wouldnt sent so many different amounts that you supposedly owe and change it every time you call them. In the beginning, we never even got a payment book or coupon, so we called them continuously and finally Stephanie Locklin emailed us and said she didnt know where the coupon book was but to go ahead and just mail the payment in and gave us the address. I have read on here how several other customers have had trouble gettng payment books also.

IT took them months to send us a coupon book and offer no explaination as to why. THey are disorganized and no matter how many people you talk to , you get a different story. Other businesses we have dealt with send our coupons or payment books before the first payment.

The problem that the majority of people have with Americredit is posting payments properly and posting western union payments also. I learned to send in my info certified but they have a way of signing a name that is not legible.
There would be some sort of initial scribbled or a name so poorly written , you couldnt figure out what it said. When you go to court it is very important to have names. And these loansharks train their customers to make sure the names are illegible. Some of the certified letters we have sent are not even dated. We had to go through the Postmaster to force them to start signing their names to the certified return letters. I guess Chip forgot to mention that in his investigation. We sent letters addressed to each and evey CEO and it was never signed by anyone but had some sort of w @@@@@ on it and that is all. No date or anything of delivery. So, the postmaster had to go back and trace through all my receipts who actually signed for it and what date. Americredit is so crooked that they are ashamed to put their name on anything when they receive it. What correspondence we have received from them, there is never a signature on a letter. Just a department and a number to call that is useless.
Usually you are transferred all over the place and each time I have asked for a supervisor, I get someone who states I am just a minimum wage worker and I dont know why you were referred to me. Then I would tell them who referred me to them and they would send me right back to the same incompetent.

The governemnet issues military orders and we have no control how they are written up. We sent them certified mail several times, and had them faxed from our bank on several occassions. Even the bank manager said Americredit was just playing games and being hateful. She stated that they were deliberately doing that as a stall tactic so they wouldnt have to reduce our interest rate. BY the time deployemnt came, they still refused to accept the military orders.
They first stated they didnt receive them and then they tried to say that they didnt like the way they were written. Who are they to question the federal government in how they write their orders. We sent the orders to three different departments as we were told to do , so there is no way that all these departments didnt receive them. Anytime we questioned this, we would get the answer well i have to turn this over to the Legal Dept. The JAG finally got through to these loansharks and told them that they were going to accept the official military orders or else they would be in court. THEN AND ONLY THEN would they accept them. It took them over 3 months to do this and in the meantime they were still showing the interest rate before reduction. They refused to take the interest rate off and that is how the problem first started. secondly, they did not give us the interest rate for the total months of deployment as stated by their contract and also the SCRA.

So, Hilda when I state what has happened to me, I am showing other people what Americredit is capable of doing and if they still chose to go with them, then that is their concern. There are too many similiar horror stories on here where it shows how crooked Americredit is.

They dont even pay their employees a decent wage as much as they make off of consumers, they could pay them alot more. I can uncerstand why employees dont try to help you more when you call, because they know Americredit will do what they want to , no matter what.

Alot of people dont know about the rip-off reports and dont find out about companies until it is too late. I have seen a list of companies on the homepage but I never go on their websites because I have no reason to. I am only concerned with potential creditors or ones that have ripped me off. Job or no job, you dont come on here throwing off on others for their misfortunes and for things that happen alot of times out of our control.

Chip is just a jerk and he knows nothing about being a full time mother, working and taking care of a terminally ill brother. My brother had aids and lived a year longer than the doctors gave him and it was very stressful taking care of him and very demanding. I wouldnt have traded it for the world. What I taught my child was care and compassion and not turning your back on people in time of need. What she saw was discrimination against him and prejudices against him by family members and some so called friends. What my child saw was that we stick by our family and look after them and no matter what disease they have or how they got it.
My child was educated about aids and knows more about it than most adults do. She had a hero worship for my brother and still speaks of him fondly. I also have two dogs Chip and one of them was my brothers who died. It is not another sob story as Chip refers to us as, it is just facts , plain and simple and since he is so concerned about my parenting skills, he needs to be able to tell fact from fiction.


My child knows all about responsiblity and she knows exactly what the deal is about Americredit. She is an honor roll student and very athletic and also has received many awards for speeches and so on. We are not a bunch of lowlifes on here wanting sympathy. We are just telling our situations on how this company who operates as loansharks, ripped us off.

What Chip does is look down on people and thinks that we deserve this treatment by Americredit.
He is paid to do his job but he is not destroying my credibility or demeaning my experience with these loansharks, I dont care how much AMERICREDIT PAYS HIM.

FACTS ARE FACTS HILDA AND SOME PEOPLE JUST ARENT SMART ENOUGH TO SEPARATE FACTS FROM FICTION. JUST LOOK AT THE WEBSITE AS A WHOLE. MORE NEGATIVES THAN POSITIVES AND THAT SHOULD TELL PEOPLE SOMETHING.

AMERICREDIT ARE LOANSHARKS, AND CROOKS AND ARE NOHTING BUT A BIG RIP-OFF AND THAT IS WHY THEY ARE SO POPULAR.

THANKS AGAIN FOR THE SUPPORT HILDA

RACHEL ( ANOTHER VICTIM OF AMERICREDIT LOANSHARKS)
Respond to this report!
What's this?

#3 Consumer Comment

what are you so mad about Chip

AUTHOR: Jack - (U.S.A.)

Chip, Chip , Chip
What in the world is wrong with you? Did I hit too close to home when I said you work for Americredit? Obviously there is alot of truth there because you got way too defensive over it.
You dont have any idea about anybody's dealings with Americredit or how many jobs they have worked and so on. IF you had read so many of my postings, you wouldnt be making such ignorant statments as you make.

And as far as your question about do I have kids, yes I do as I have stated before. I had twins, but one of them died, so if that makes you feel better. Obviously you are a first class jerk, and it shows in everything you say. And yes the problems did start with the reduced interest rate and it has happened numerous times to other military personnel. Once again, as you have been many times, you are incorrect.
And for your information, smart mouth, I do have a car and a truck, but thanks for asking.

Only someone getting some kind of compensation from Americredit would even bother to get so hot in the collar over this. If you have such a great love affair with them, that is wonderful, but there are hundreds, probably thousands of others who havent and that is where class action law suits come in. These are more than sob stories and working extra jobs and so forth.
From most of the employees that I have spoken to at Americreidt they only make minimum wage anyway, because the CEO's pocket the rest.
So you would have to work two and three jobs working for them. You have no idea what my situation is or was with Americredit.

The reason you are on here is to report back to Americredit about the consumers who have the guts to stand up to them for their underhanded tactics that they use. You want to intimidate us and make us stop reporting the truth about them.
They dont have the guts to defend themselves, so they hire people like you to do it for them.
Americredit is beneath working with a customer and they are too much of a coward to do it themselves. That is why they ignore certified letters and so on. They play the same game with everyone, so you can save your speech for someone at Americredit.

Consumers need to make sure they know there are loansharks out here like Americredit. I wish someone had told me before I ever did business with them. Unfortunately, I didnt research them before I signed a contract with them, and that is my fault. But, it is not my fault they refuse to abide by the law and abide by their own contract. They changed the rules as they go along and are the worst company in the world to misplace, yeah right, payments and force you to refax, re-mail, keep sending things certified and so on. THat is nothing but harrassment and they do it all the time.

Americredit has always been one to do as they pleased and have been allowed to get by with it.
Several of their higher-ups have been in trouble for stock fraud and embezzlement. OF course I am sure this goes on in alot of companies, but worse when you are dealing with loansharks.

Between taking care of a terminal ill brother for two-years and working two jobs, I know what it is like too, thanks for your concern, though.
On top of being a Mom, caregiver and so forth.
I am not the lowlife you and Americredit make everybody out to be. I never gave a sob story to Americredit Loansharks, I just tried to get the reduced interest rate that is required by law and they refused to do it until the Pentagon got involved. Also, Homeland security had to get involved to stop them from asking military information not related to the loan.
Some people are called non-stop and some they just ignore and play their loanshark game with.
I have read too many reports on this website not to believe what they have done to other consumers and what they are still capable of doing. You dont continuously lose military orders when they are sent six times certified and even faxed over and over and over. That is deliberate and just another way they try to not give military people the reduced rate. They do it all the time and are still doing it.

Too bad you think so little of military personnel to think they dont deserve the reduced interest rate under the SCRA. While you are enjoying your nice life, your 2 dogs and all your many friends and family AND YOUR CAR!!!!

And working for Americredit, you better remember who makes the sacrifices for you to enjoy your nice life.
Freedom does not come without a price and you are very dispresectful to these people who have even died for all of our freedoms. You have the same mentality as Americredit and that is the reason you would work for such an unscrupulous company.

Just because consumers post their negative experiences that they have had with Americredit,
doesnt give you the right to demean them the way you have.

YOU ARE A FIRST CLASS JERK.
Respond to this report!
What's this?

#4 Consumer Comment

CHIP YOU ARE AN IDIOT

AUTHOR: Jack - (U.S.A.)

FIRST OF ALL BIG MAN, YOU BETTER WATCH HOW YOU TALK TO A WOMAN. SECOND OF ALL, RACHEL IS ON HERE TALKING ABOUT A PROBLEM SHE HAD WITH A COMPANY AND YOU ARE ON HERE BECAUSE YOU DIDNT HAVE A PROBLEM. YOU ARE THE LOSER AND THE LOWLIFE HERE BECAUSE WHY WOULD YOU CARE ABOUT WHAT OTHERS SAY ABOUT AMERICREDIT UNLESS YOU ARE AFFILITAED WITH THEM.

AS RACHEL STATED, WE ALL COULD FIND A COMPANY ON THE RIP-OFF REPORTS THAT WE MIGHT LIKE, BUT WE DONT RIDICULE AND DEMEAN OTHERS FOR THEM NOT LIKING THE COMPANY. YOU WILL SEE PLENTY OF REPORTS ON AMERICREDIT WHERE RACHEL HAS COMPLAINED, BUT YOU WILL NOT SEE HER ON ANY OTHER REPORTS WASING HER TIME REPORTING ABOUT OTHER COMPANIES THAT SHE LIKES AS GOOD AS YOU DO AMERICREDIT.

IT IS NOT YOUR JOB TO TAKE WHAT CONSUMERS SAY ON HERE AND DEMEAN THEM AND THROW OFF ON THEM.
YOU KNOW NOTHING ABOUT RACHEL AND YOU KNOW NOTHING ABOUT HER EXPERIENCE WITH AMERICREDIT.
I AM HAPPY YOU LIKE THEM SO GOOD, BUT OTHERS OF US HAVENT HAD GREAT EXPERIENCES WITH THEM AND YOU ARE NOT IN CHARGE OF CONSUMERS WHO DON TLIKE THEM. YOU ARE RUDE, OBNOXIOUS AND A FIRST CLASS JERK AND NOT MUCH OF A MAN TO TALK LIKE YOU DO TO A WOMAN.

IF YOU HAD ANY IDEA WHAT AMERICREDIT HAS DONE TO HER , AND I MEAN UNDERHANDED THINGS, YOU WOULDNT BE ON HERE BEING SO ARROGANT LIKE YOU ARE.
STEALING PEOPLES SOCIAL SECURITY CARDS AND STEALING TROHPIES THAT YOUR CHILD HAS WON FOR COMING IN 4TH RUNNER UP IN A SPOKESMODEL DIVISON IS NOT AN UPSTANDING COMPANY. THIS COMPANY HAS NO MORALS ABOUT ANYTHING AND YOU WOULD FIT RIGHT IN WORKING THERE AND I AM SURE YOU ALREADY DO.

THE PROBLEM DID START OVER A REDUCED MILITARY INTEREST RATE AND I KNOW THAT TO BE A FACT.
DONT YOU EVER GET ON THIS WEBSITE AND INSULT RACHEL AGAIN OR YOU WILL BE IN COURT RIGHT ALONG WITH AMERICREDIT.

AMERICREDIT IS CAPAPBLE OF ANYTHING AND IT ISNT ABOUT WANTING YOUR MONEY AND HAVING SOB STORIES AND ALL THAT OTHER IDIOTIC STUFF YOU WROTE ABOUT.
IT IS ABOUT CHARGING MORE THAN THE INTENDED INTEREST RATE AND ADDED ALL THESE OTHER TRUMPED
UP CHARGES TO CUSTOMERS AND THEN NOT TELLING THEM UNTIL AFTER THE FACT. AS USUAL YOU DONT KNOW WHAT THE HECK YOU ARE TALKING ABOUT.
YOU ACT LIKE A LITTLE SNOTTY NOSE KID WHO HAS TO HAVE THEIR WAY.

WE ARE THRILLED ON HERE THAT YOU LIKE AMERICREDIT SO MUCH. WE JUST HAPPEN TO KNOW THE REAL DEAL WITH THEM AND THEY DO THE SAME THING TO TOO MANY OTHER CONSUMERS FOR THIS NOT TO BE TRUE.

IF IT MAKES YOU FEEL LIKE A BIG MAN TO THROW OFF ON A WOMAN AND INSULT HER AS A MOTHER AND SO ON, THEN YOU SHOULD BE WALKING PRETTY TALL TODAY.


RACHEL. JUST IGNORE HIM, BECAUSE IGNORANCE IS BLISS.
Respond to this report!
What's this?

#5 Consumer Comment

Let us blow steam

AUTHOR: Hilda - (U.S.A.)

Chip,

Do your job to monitor this site for negative comments about a company. Your job is to monitor and make positive comments for the company that compensates you. But don't gang up on Rachel, she has a legitimate reason to be here. She's mad because through circumstances beyond her control have caused havoc in her life. She has given her life for this country and I respect her highly for this. If she has children, she's probably a good mother and showing her children valuable lessons in life! One is stand up for wrong and defend yourself. Never become a doormat for anyone to stomp all over you.

The reason I'm on this site is I had a problem and wanted others who are going through the same thing to learn from my experience. Vice-versa I learn from them. We share valuable information with others. Which is what this site is all about.

Personally, this site helped me like group support to do what I had to do with my particular situation. Thanks to all those who have given me advice. I've looked and investigated everything that was suggested from all those wonderful people who responded. Your advice to Rachel about working two or three jobs I don't think is good for anyone. People need to work normal hours and relax and take care of your home and kids too. When on my death bed I know I'll never say I wish I would of worked more than one job. But I will say I wish I would have spent more time with my kids and husband.

Take care and do relax,
Hilda
Respond to this report!
What's this?

#6 Consumer Suggestion

To Rachel ... Again

AUTHOR: Chip - (U.S.A.)

First of all, to be clear, I DON'T WORK FOR AMERICREDIT.

Second of all, not that it's any of YOUR business, but it's PART OF MY JOB to monitor this site for my company. You see, my company has 84 sites across the country, and when we see a negative post about it here and on other boards, our Compliance Department investigates to see if the problem is 1) legitimate and 2) to see if it can be resolved.

Third -- your car was repossessed, right? That had very little to do with your interest rate -- an interest rate that you knew about and agreed to WHEN YOU SIGNED AND ENTERED INTO THE CONTRACT. Your car was repossessed because you fell behind on the payments. Period. I don't get the connection between their failure to reduce the interest rate and the fact your vehicle was repossessed. And, bottom line, take some personal responsibility here. Your anger is completely misdirected. As I said previously, Americredit loans to people with bad credit. You had bad credit. Your car was repossessed for more reasons than Americredit's failure to reduce the interest rate. Fact.

And, regarding your comment about me not having a life, I've seen a lot of posts from you here, so what does that say about your life? Huh? By the way, I've NEVER had a car repossessed. You obviously can't make the same claim. So, I have a life: a good job, a nice home, 2 dogs, and lots of friends and family...oh, AND A CAR.

I'm not on here to defend every company. To be clear, and I'll write this like I would to my 16-year-old nephew: Americredit came through for me. I NEVER had a problem with them. Not once. I paid the loan off quickly and without incident. As long as you are posting ON A PUBLIC BOARD (which, by the way, exposes you to scrutiny and criticism), I feel other visitors to this site should know that they provide responsible consumers with financial solutions that work. If you were falling behind on payments, you should have gotten a job, or a 2nd job, or a 3rd job to make ends meet. I've done it, and, if I have to, will do it again.

So, get over yourself, quit blaming all the wrong people for your own mistakes, and, take your own advice and get a life. God, if you have kids, I really hope you're teaching them personal responsibility, but, if you're the example, most likely you're not.
Respond to this report!
What's this?

#7 Consumer Comment

Chip you need to mind your own business

AUTHOR: Rachel - (U.S.A.)

IF you had walked in any of our shoes, you wouldnt even be on here defending Americredit. You have no idea what my interest rate was and it was under 20 percent thank you.
YOu obviously have nothing better to do but get on rip-off reports and defend companies who you obviously must work for or you know someone who works for them.

IF you had a life, you wouldnt have to look at reports on companies you like. If you had such a great experience with them, then become a spokesperson for them or better yet get a raise on your job , since you appear to be working for them.

Since you have decided to get in my business and be so critical of something you know nothing about, the problem we had with them was becasue they refused to accept my husbands military orders and give us the reduced interest rate.
IF they were so great it wouldnt have taken a JAG to make them do what they shouldhave done to start with. so once again you know nothing of what you are saying.

I would be glad to provide you with the letter from the JAG forcing them to do their job, if you are so interested.

You know people like you are just trying to be smart and make others feel even worse than they already do. I have had plenty of other businesses that I may like and others may not, but I dont get on websites running my mouth about something I dont have any experience in.
IF I think a business is so great, I dont need to get on their website and read others rip-off reports and then throw off on them for their misfortunes.

You have no respect for the military or for anyone for that matter to get on here and make such rude remarks as you have. ot.

There is a difference in running a business and running one as loansharks. Americredit got nasty as you say because they were forced to abide by the law under the SCRA, so they got mad over it and went and tried to add back interest that the military personnel are not supposed to pay while deployed.

IT doesnt take much to piss this kind of company off and when you operate as loansharks, you will stoop at nothing to get more money.

CHRIS YOU ARE A JERK, and I wouldnt want to walk in anyone shoes who acts like you do and cant understand that others have been treated very unfairly by this company. IT isnt about a sob story as you so rudely stated.

You need a life bad.
Respond to this report!
What's this?

#8 Consumer Suggestion

Contact WA Dept of Licensing

AUTHOR: Heather - (U.S.A.)

Hilda:

I just did a search on the Washington State Department of Licensing's website and did not come up with Calvary as being licensed. Call the department at 360-664-1389 to confirm.

If in fact they are NOT licensed, then their deduction from your checking account is a CRIMINAL offense!!!

Just look at an excerpt from your state's law...

RCW 19.16.430
Violations -- Operating agency without a license -- Penalty -- Return of fees or compensation.

(1) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both.

(2) Any person who operates as a collection agency or out-of-state collection agency in the state of Washington without a valid license issued pursuant to this chapter shall not charge or receive any fee or compensation on any moneys received or collected while operating without a license or on any moneys received or collected while operating with a license but received or collected as a result of his or its acts as a collection agency or out-of-state collection agency while not licensed hereunder. All such moneys collected or received shall be forthwith returned to the owners of the accounts on which the moneys were paid.

[1994 c 195 10; 1973 1st ex.s. c 20 6; 1971 ex.s. c 253 34.]

THIS MEANS YOU NEED TO GET YOURSELF TO AN ATTORNEY ASAP. THEY WILL DEFEND YOU AGAINST THESE GUYS. They'll wind up having to pay YOU money because they chose to break the law. Good luck!!
Respond to this report!
What's this?

#9 Consumer Suggestion

Protect Your Consumer Rights

AUTHOR: Heather - (U.S.A.)

Hilda:

Before filing for bankruptcy, you need to be talking to an attorney that specializes in consumer law (specifically dealing with debt collections). You can find one in your area at the NACA website.

Prior to garnishing your bank accout, the Collection Agency must do the following:

1. Be licenced to collect in your state (are they?).
2. Have a court-sanctioned judgement against you.
3. They need to have properly served you with a lawsuit complaint prior to getting the judgement (so you could have defended yourself in court). Did they do this?
4. Your state laws need to allow for garnishment of wages. Do they?

A bankruptcy attorney does not specialize in this type of situation and are not prepared to help you get a creditor off of your back without filing for bankruptcy.

Calvary is a vicious collector that specializing in breaking quite a few collection laws in order to obtain their money. Bud Hibbs, a consumer advocate, has a lot of bad things to say about this particular company. You can find his site on the web with a simple search. Defend yourself before calling it quits if you can.
Respond to this report!
What's this?

#10 Consumer Suggestion

TO RACHEL

AUTHOR: Chip - (U.S.A.)

I realize that you are frustrated, and, trust me, you're right, I haven't walked in your shoes, but YOU haven't walked in MINE, either. I have had my share of ups and downs in life. No, I am not in the military, and no, I have not had a job loss as a result of 9-11, but here's my point (to be clear):

Americredit is a business. They are in business to recoup their money that they loaned out, and make a nice profit. They are entitled to that. Before you signed their contract, you should have known what you were getting into (what type of interest rate you were getting (If they were "loansharks," you should have walked away from the deal)) -- I did...if I remember it something like 20%, which I knew was outrageous. But, I bought a modest vehicle -- I think it was less than $10,000 -- and made sure they Americredit was second in line to get paid after food/rent/utilities.

I know it's hard to remove yourself emotionally, but at the end of the day, they have to run their business. It's not personal, it's business (I really hate that saying, but I have come to accept that). They are not disrespecting servicemen, and I admit that I'm not familiar with your specific situation. And I'm not defending their practices...all I'm saying is that this company gave me a loan and I was grateful. I had no problems with them, like I said, and I think people who read your comments should know that there are others who have had positive experiences with them.

It sounds like you were in default, and, of course, lenders get ugly when you are in default. You can't blame them for wanting their money -- wouldn't you if you were the CEO of Americredit? You certainly wouldn't listen to every sob story from people all over the country about how they couldn't pay...Americredit has its own bills to pay. About them not adhering to the law, I can't speak to that -- of course, we're only hearing one side of the story -- yours.

And to Hilda -- I do realize there is no such thing as job security, and I have lost a job. I know it's a shock to your finances (and self esteem), but I got through it...working retail, bartending, etc., and managed to pay my bills (in full). I hope it never happens again, but, if it does, I will take the same approach that worked for me once before.
Respond to this report!
What's this?

#11 Consumer Comment

So, what is your point Chip?

AUTHOR: Rachel - (U.S.A.)

just because you havent been used and abused by Americredit doesnt make you an expert on them. Only till you walk in someone's elses shoes can you comment on how we have been treated. .
It is people like you who make it hard on the other hundreds and hundreds of us who have been put through hell and back because of this company. After you lose your job after 20 years with the airline after 9/11 and after you have been deployed several times to Iraq and been treated like a piece of crap by this company, then you have no idea what the others of us have endured. When you are fightng for your country and they refuse to give you the reduced interest rate that is actually the law and you have to get the JAG to force these loansharks to abide by the law, then you will see what we have been through. When they call up and threaten your family and friends and then send goons to your house and steal your social security card and steal items belonging to your children, then you get on here and defend them then.

Keep defending them all you want to, but the negatives outweigh the positives and if I hadnt had a problem with them, I wouldnt be on here reading about what other people say to start with. IF they are so great, why read about them?
You have no idea what these loansharks are capable of doing and if you did even care what they have done to others , you would never defend them the way you have.

THEY ARE NOTHING BUT LIARS AND HAVE NOTHING BUT ATTORNEYS WORKING FOR THEM AND SCAM CONSUMERS DAILY AND CALL IT LEGAL.

I DIDNT FLY THE PLANES INTO THE BUILDINGS AND HAVE MY LIFE TURNED UPSIDE DOWN AND HAVE A JOB DESTROYED BY THIS EVIL TERRORIST ACT AND NEITHER DID ANY ONE ELSE INVOLVED. DONT GET SO SMUG THAT YOU THINK YOU CANT FALL ON HARD TIMES.

AMERICREDIT TREATS US LIKE SCUMBAGS AND LOWLIFES AND DONT EVEN HAVE THE DECENCY TO RESPECT THE SERVICEMEN AND WOMEN WHO FIGHT FOR FREEDOMS THAT THEY ALSO ENJOY. IT REALLY UPSETS ME WHEN PEOPLE GET ON HERE PRAISING AMERICREDIT AFTER READING WHAT THEY HAVE DONE OVER AND OVER AND OVER AGAIN TO CONSUMERS. JUST KNOWING WHAT THEY HAVE DONE TO OTHERS, WOULD MAKE ME NOT WANT TO COMMENT AT ALL, EVEN IF THEY HADNT DONE THE SAME THING TO ME AS THEY DID TO OTHERS.

I FOR ONE DID HAVE EXCELLENT CREDIT UNTIL 9/11 AND ALSO AFTER TAKING CARE OF A TERMINALLY ILL BROTHER, MY CREDIT WAS FAR FROM PERFECT, SO AMERICREDIT TAKES THIS AND USES IT AND THEN CHARGES YOU LOANHARK AMOJNTS AND YOU HAVE THE NERVE TO GET ON HERE AND DEFEND THEM?

YOU NEED TO GET A JOB WORKING THERE IF YOU ARE THAT FOND OF THEM.

ASK THE PEOPLE WHO HAVE BEEN THROUGH H**L AND BACK WHAT THEY THINK OF YOUR COMMENTS.
Respond to this report!
What's this?

#12 Author of original report

Keep your good credit chip

AUTHOR: Hilda - (U.S.A.)

Chip,
Everything you did we did except everyone has different situations such as: good steady job, a family, college education, a good career, new laws that effect jobs such as the one that passed in our state of Washinton in the year of our losses. I-695 which affected the construction industry lack of work. Weather related layoffs, and I could go on. If you haven't been effected by anything just keep on living you will. I hope not but just keep up the good work. Sounds like your doing good now hope you won't get downsized or replaced in the future because noone knows what the future will bring.

God Bless
Respond to this report!
What's this?

#13 Consumer Suggestion

My Experience with Americredit

AUTHOR: Chip - (U.S.A.)

I have read all of these negative comments re: Americredit. First, I have never been employed by them, but I was a former customer right out of grad school wil, at the time, I had blemished credit. This was in 1998. I got a modest car -- a Nissan -- with a $300/mo payment and a high interest rate. I ALWAYS paid on time...never had a problem with my payments being applied, and after about 16 months, I sold the car to an individual, paid off the note and made a tiny profit, and leased a car through Toyota Financial. I NEVER had a single problem with this company, other than it took them what I thought to be a longer than normal time to send me the title (I overnighted them a certified check to pay off the balance), and I was grateful that I got a loan, which ultimately enabled me to re-establish my credit and finance through a prime lender.

Americredit is a sub prime lender, which means they take risks on people who have proven themselves to be financial risks for whatever reason. Life happens to people every day -- illness, job loss, and even storms -- but they do have a business to run, and you can't expect them to let you our of your obligation to them.
Respond to this report!
What's this?

#14 Consumer Comment

Re: Garnishment....Americredit Dipping Into Your Checking Account

AUTHOR: Sherri - (U.S.A.)

First off, I would go to the bank or credit union (Personally, we belong to a credit union and I have had to deal with this stuff before, but not garnishments.) I would fill out a sheet to reverse the charge stating that I never authorized it! If you sign for a EFT from your account, then they can deduct money from your account, but they cannot dip their dirty little fingers into your account without your permission. Yes, it is scary if you have given them your checking account number for records. I would fill out one of those sheets and state that I never gave permission for them to take payments from my account.

There are laws about garnishments. I would look into things. They can't just take your paycheck and leave you with nothing! I would contact an attorney, the attorney general and the local police or sheriff's department! Now, if they were government that would be a different story. Government companies such as the military CAN take your IRS refund, for example. We know that because my hubby lost 4 jobs and we weren't able to pay on a credit card so it is being paid for with our IRS refunds. So, I would check into things. They can't just grab your money with their greedy little paws!
Respond to this report!
What's this?

#15 Author of original report

one week later after garnishment

AUTHOR: Hilda - (U.S.A.)

Well it's been a week since we got our bank account garnished. When it happened I got on the ball and wrote a complaint to attorney generals office. Also, send an email to the governor, ex-attorney general in our state. Then I contacted the three major tv newstations and emailed my story to them. In particular the investigations department. Haven't heard from anybody yet except an email from the attorney general's office that they have sent it to the proper department. Wrote a letter to the law firm stating what I was doing and to let them know I was going to hold him liable for any damages resulting from my bad health due to cancellation of my medical insurance.

On the positive side I went to see an attorney that deals with stopping lawsuits, garnishment etc... It takes bankruptcy to get rid of these guys. So I filed for chapter 7. I went and paid the lawyer today and took all the paper work completed. The new law says you have to be counseled by a debt counselor that the lawyer provides to you. They charge 50.00 for a briefing of budgeting etc... It took 35 minutes and husband was on his way to work and they confrenced him in. It is required for both husband and wife to take the briefing togather.

They gave me a site in the internet to collect our certificate of counseling and off it went to the attorney. You need it in order to file bankrupcy. Then in a couple of weeks part two another class to help make a budget and pay sixty dollars for that. If you don't take it your bankruptcy won't get discharged.

It's really sad that we had just refinaced and were ready to get a new low interest rate in a year. Well, now all the creditors have to be listed including friends, relatives you owe and payday loans that dont show up in credit reports. It's nerve wrecking. While I was at the lawyers office I heard the secrtary telling a client who called because she had just gotten three bank accounts garnished. She told her the sooner you file you can get protection. It feels like a dark cloud fell over us but i know there is sunny day coming.

Respond to this report!
What's this?

#16 Consumer Comment

they will continue to do this because the BBB and Attorney General let them get by with it.

AUTHOR: Rachel - (U.S.A.)

There is nothing that Americredit does that will ever surprise me. I am still fighting them over what they have been doing to us for almost a year now. They are the most underhanded and biggest bunch of lowlifes that are in business.They operate as loansharks and that is exactly how they have been allowed to operate.
I still have reported them to all of these agencies and am going to continue to report them until something is done. Send in copies of the rip-off reports and let them see how consumers are treated.
The law means nothing to them because they break it daily. The rules change as they go along and no matter who you speak to, the story changes.
I have so many names I could start my own dictionary. When you try to call these people back they never answer, or dont return your calls. The CEO's are a bunch of lowlifes and will not help the customers at all.
I think I would report them to the BBB and at least speak to an attorney about them taking money illegally out of my checking account.

I am so sorry this has happened to you and all we can do is just keep reporting them over and over and over again until something is done.
Respond to this report!
What's this?

#17 Consumer Comment

Repossession

AUTHOR: Laura - (U.S.A.)

I just read your comment on Americredit and the so called "law firm" they used to collect the amount due for the repossesed car. Can I just say it scared me to death? We just had Americredit repossess our car. I think I will call my bank and tell them to not allow any money to be taken out by Americredit or this law firm without my knowledge. I will also pass this along to my husband. I am astounded that the bank did not call you and ask you if it was OK to deduct this amount from your checking/savings.

I am also astounded that this "free" country of ours allows people like Americredit such leeway in harrassing their customers and such leeway to collect their money. There are so many of us out there that are besides ourselves to have Americredit stopped. Yet, to date, they are still in business and still making their customers feel like royal dumb a**es.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory