• Report: #881242

Complaint Review: J.D. Byrider

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  • Submitted: Fri, May 11, 2012
  • Updated: Fri, May 11, 2012

  • Reported By: Janet — Muskegon Michigan United States of America
J.D. Byrider
3692 Airline Rd Muskegon, Michigan United States of America

J.D. Byrider Helping people.. MY FOOT!! Muskegon, Michigan

*Consumer Comment: Maybe

*Consumer Suggestion: Not Legally Yours

*Consumer Comment: Here is how..

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My partner and I went to J.D. Byrider to get a vehicle because we couldn't get financing anywhere else. We got financing but couldn't come up with the down payment needed for the insurance to be able to take the car home.  On the 3rd day after much talking over.. we decided we couldn't afford to buy the car and called the dealership and told them we wanted to cancel the purchase since we had not taken possession of the vehicle. They informed us that we could NOT cancel and we would be held to the $12,000 contract. The person we talked to on the phone kept asking us when we were coming in to pick up the car.  We kept telling him we couldn't and wanted to cancel.  Is this how J.D. Byrider makes their money??  So much for  HELPING people.  We are on fixed incomes and after going over everything we owed.. we would only have $25.00 a month left. How can we get them to cancel?

This report was posted on Ripoff Report on 05/11/2012 06:49 AM and is a permanent record located here: http://www.ripoffreport.com/r/JD-Byrider/Muskegon-Michigan-49444/JD-Byrider-Helping-people-MY-FOOT-Muskegon-Michigan-881242. 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

Maybe

AUTHOR: MochaG - (United States of America)

That may or may not be true about signing a contract and it is not legally yours. If the contract said otherwise, regardless the car is delivered, it is your legal obligation.

Hope you have learned this that do NOT try to live above your mean. You already knew that you could not afford or you knew the budget you could spent, but you still went ahead. You need to learn it the hard way -- get into debt -- and learn to get out of it. Then you should have a good sense of how NOT to over spend what you have.
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#2 Consumer Suggestion

Not Legally Yours

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

Even if you signed a purchase agreement you aren't legally bound until you take delivery of the car. Since you have not done that you have nothing to worry about. If they try parking the car in front of you house to fake a delivery just call the police and have it towed as an abandoned car.
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#3 Consumer Comment

Here is how..

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

The answer is simple, but you probably won't like it.  Just don't not make the payments.  Of course when you do you will be come delinquent.  Then after a period of time they will repossess the car, because you didn't actually take the car off of the lot it may be as soon as you miss one payment.  They will then sell the car at auction for a fraction of the value, and then come after you for the balance of the loan.  If you fail to pay that they will turn you over to collections and may eventually sue you.

Sorry..I told you that you wouldn't like it.  But because you signed the paperwork you made a legal obligation to purchase the car and make the payments for a specific amount at specific times.  It doesn't matter if you physically have taken possession of the car you have already done the "damage".

Oh and if you can't even come up with the down payment for the insurance, it would have only been a matter of time before you would have missed your payments anyways, and had it repossessed.  So it may just be best to cut your losses and move on anyways.  With your post one really does not have to wonder why you were declined by others and ended up at a Sub-Prime lender.  But if you think they are bad, just wait until you try to get a car with a Repossession on your credit.
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