• Report: #127770

Complaint Review: Ugly Duckling - Fan Distributing

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  • Submitted: Mon, January 17, 2005
  • Updated: Fri, February 04, 2005

  • Reported By:Las Vegas Nevada
Ugly Duckling - Fan Distributing
3333 Fremont Street Las Vegas, Nevada U.S.A.

Ugly Duckling - Fan Distributing ripoff, took advantage, destroyed credit, is still causing hardships 6 yrs later Las Vegas Nevada

*Author of original report: Thanks Tim

*Author of original report: Thanks Tim

*Author of original report: Thanks Tim

*Author of original report: Thanks Tim

*Consumer Suggestion: Bad credit and no credit is a roadblock, how you can manipulate the credit system to give you better credit

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I have noticed something in common in most of the reports of the MONSTERS: most of us were young and female. That is not to say that these SLIMEBAGS are above ripping off any man, they just seem to prey on the less fortunate and definately more naive.

I was with my (ex-)fiance when we bought my nightmare. They were able to get me financed for a cute little 95 Kia Sephia without even taking my Pathfinder as a trade in. I thought "Hey this is cool!" Well little did I know that 29.9% was a ludicrous interest rate to pay. I had "bad credit" and that rate was "good for people with bad credit". (I was 20 years old, how bad could my credit have been?) I let them make me think I was doing a good thing for me and my 2 children.

Within that week the car broke down. I had no idea what was wrong with it. They told me that if I could get it to them they would "take a look at it". Well, in the middle of summer, in Las Vegas, it gets pretty hot. When the cooling unit on the car doesn't work, the engine gets REAL hot. Block by block I would pull over to let it cool. Finally got it there and they looked at it, overnight. When I picked it up, it was running again. I thanked them and went on my way.

Later that day the a/c unit went out. They told me not to even bring it in, they could not do anything about it. Luckily, a friend of a friend was a mechanic and got it fixed for me.

After that I did not have anything else go wrong with the car. I was happily paying through the nose for my payments ($380/mo), and my insurance. But, hey, my car ran. That was okay with me.

A few weeks later my soon to be ex-fiance went in with MY Pathfinder and traded it in for a truck. They never even got my signature or okay to use it as a trade in. He left me shortly after, with the truck. So they start calling ME everyday, hateful as ever. Where is he? What is his phone number? They never took into consideration that my soon to be husband has left me with 2 children and all the expenses. I managed to make all my payments and such.

About 6 months later I was driving up through California to see my family. I had both kids and a dog with me. Mind you this is a Kia Sephia. I hit a deer at 4 am, totaled the car. Mt Shasta was the nearest town.

I call the insurance company, (that I was also paying too much for). They said "Let's just get an insurance adjuster to look at it, and we should have you on your way." 2 weeks later they deemed it totaled. They told me I would be getting a check to cover everything.

WELL, because I was paying $9000 for a $3000 car, after what I had paid and what the insurance paid, I still had $4000 left on the car. They expected me to pay that. SINGLE, RECENTLY BEEN LEFT, and now UNEMPLOYED, they wanted me to pay them $3000 for a car that I would never see again.

Well, I moved out of state. And for the last 6 years they have been nothing more than a bad experience. One that I share with anyone I know trying to buy a car.

Last year Josh McHughes Law Firm in Little Rock Arkansas took over the account, (one of them anyway: there are like 3 on my credit report, for some reason). I now pay 22% of what I make a paycheck to a garnishment. Not to mention, I just had my third child 4 months ago. (Which some hateful monster at the Law Firm thought was soooo funny, when I pleaded with them to lower the amount.)

Anyone ready to file class action, I'm with it!

Chris
Las Vegas, Nevada
U.S.A.

This report was posted on Ripoff Report on 01/17/2005 07:04 PM and is a permanent record located here: http://www.ripoffreport.com/r/Ugly-Duckling-Fan-Distributing/Las-Vegas-Nevada/Ugly-Duckling-Fan-Distributing-ripoff-took-advantage-destroyed-credit-is-still-causin-127770. 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 Author of original report

Thanks Tim

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

It is so comforting to know that there is actually people out there with a heart. Your insight is greatly appreciated.

Unfortunately, they have already begun to garnish my wages, after the court hearing. There is about half of the balance left. It should be over with about June or so, I hope. What gets me is on my report there are 3 different accounts for the same thing. They sold it or gave it away 3 times.

Your ideas are really good. I hope that all who read this post will be able to better their quality of life, by fixing their credit, but mostly by not letting it happen to start with. If nothing else, it was an experience to learn from. This will not happen to me again. I just hope I can help out someone else before it happens to them.
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#2 Author of original report

Thanks Tim

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

It is so comforting to know that there is actually people out there with a heart. Your insight is greatly appreciated.

Unfortunately, they have already begun to garnish my wages, after the court hearing. There is about half of the balance left. It should be over with about June or so, I hope. What gets me is on my report there are 3 different accounts for the same thing. They sold it or gave it away 3 times.

Your ideas are really good. I hope that all who read this post will be able to better their quality of life, by fixing their credit, but mostly by not letting it happen to start with. If nothing else, it was an experience to learn from. This will not happen to me again. I just hope I can help out someone else before it happens to them.
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#3 Author of original report

Thanks Tim

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

It is so comforting to know that there is actually people out there with a heart. Your insight is greatly appreciated.

Unfortunately, they have already begun to garnish my wages, after the court hearing. There is about half of the balance left. It should be over with about June or so, I hope. What gets me is on my report there are 3 different accounts for the same thing. They sold it or gave it away 3 times.

Your ideas are really good. I hope that all who read this post will be able to better their quality of life, by fixing their credit, but mostly by not letting it happen to start with. If nothing else, it was an experience to learn from. This will not happen to me again. I just hope I can help out someone else before it happens to them.
Respond to this report!
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#4 Author of original report

Thanks Tim

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

It is so comforting to know that there is actually people out there with a heart. Your insight is greatly appreciated.

Unfortunately, they have already begun to garnish my wages, after the court hearing. There is about half of the balance left. It should be over with about June or so, I hope. What gets me is on my report there are 3 different accounts for the same thing. They sold it or gave it away 3 times.

Your ideas are really good. I hope that all who read this post will be able to better their quality of life, by fixing their credit, but mostly by not letting it happen to start with. If nothing else, it was an experience to learn from. This will not happen to me again. I just hope I can help out someone else before it happens to them.
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#5 Consumer Suggestion

Bad credit and no credit is a roadblock, how you can manipulate the credit system to give you better credit

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

I understand the situation your in. I'm 22 and i've been through several vehicles. Most of them from "bad credit" financers. Although the cars I got ran and I never got stranded, I did have problems with the waterpumps and cooling fans, as well as the Air Conditioning on a Saturn. If the Kia had a problem with the AC, it was probably a fuse relay.

I have paid 22% on my vehicles. So your almost 30% is actually "too high" for bad credit people. The road block for us when were young is either no credit, or a cell phone bill or utility bill on our credit. Since we never got an opportunity to get a credit card or big loan, we got minor stuff on our records. This only hurts us. I am in the process of cleaning up my credit. Go to yahoo and type in the search "credit repair" and you will find oodles of resources on repairing your credit. Avoid file segregation, this is illegal. If you can work something out with this "law firm" do so. Unless the following is true:
Your account with Ugly Duckling is approaching 7 years old, your past the statue of limitations on this debt (I think in California its 3 or 4 years from the date the debt is owed).

If it is approaching 7 years, you might tough it out. But legally, the negative listing MUST be taken off your credit report. And they cannot relist the original debt. This is your best hope of recovery from this bad debt. In my opinion, you should not pay the rest of the money, because they took advantage of you. They marked up a 3,000 dollar car drastically. Sure, you signed at the dotted lines, but still, we're young and maybe we made some stupid choices when we were younger. But there is always hope for us.

This is NOT a true lawfirm if they haven't taken you to court yet. Since they are a licensed firm in collections, they are actually a collection agency with a lawfirm name. These scare tactics are meant to shake up the consumer and coerce payment with little or no hassle. If your really bent on getting this off your credit soon, propose a settlement with them. Then tell them you will pay this if it will be taken off your credit report. If they refuse, then refuse to pay them. This is the only way to straighten out this bad listing. Why pay it if it will still be on your credit right? Either way your still going to have bad credit, only difference is you save 3,000 dollars.

If they are garnishing your wages, you might be able to stop them. In Texas, it is not legal to garnish wages for a consumer debt. In California, because you have kids, you might have some recourse. I'd fight them tooth and nail on this if you feel you've been duped. They are very unprofessional jerks to laugh at you like that. If you want to law back for awhile, you might see about getting help from your family members. See if any of them have good credit. See if they can co-sign a loan for you. Or a vehicle at a GOOD rate of 5.9%. If they have credit cards, ask them if they can list you as an authorized user. If they are overly concerned about giving you provilleges to use their card, explain to them that you don't need the card. They can have the card with your name embossed on it mailed to them. The only thing this accomplishes, is you being on their account also. Whenever they make payments, this also shows up on your credit reports. After a few years, you've 'demonstrated' a good paying history. Almost guaranteeing you at least a gold card with Discover. If you would like more tips on 'manipulating the credit system' look up credit repair and restoration on the net. A wealth of information can show you how to get it done legally and with minimal cost (except in cases where you might have to pay a collection account to have it removed from your credit). Many people scoff at this advice. They scoff because they have worked very hard to build credit for 20 or more years. Back in the 70s and 80s, Pinger, Intellus, and CRS (Credit Reporting Services) ran the show. There were no proven methods to restore bad credit. The myth "only time will heal your credit report" WAS true. Now it's not. We can manipulate the system, using a friend as a piggyback ride, or using loopholes to make collection agencies break the FCRA (therefore forcing them by law to remove our negative credit!).

People who didn't have these accomodations are upset because the younger generation is finding easy credit fixes, some are immoral but they do work. How else can you explain kids in their late teens or early 20's running around with gold and platinum Discover or Amex cards? Many of them having limits of 20,000 dollars or more. They really do scoff at that. I read one post where someone complained about all the posts on how to get out of a credit jam. They stated "what about advice on how to better manage money in the future?" I say to that person "Who asked the credit bureaus to start stealing our information and then make money off of us?"

I scoff at the fact that when were young, we get pinned down because of one or two mistakes, or we didn't make a mistake. But infact, we have no credit. Sure, we have to earn our way into the credit world. But if we can do it the easy way, I fully encourage it. See, I had a score of 470 for Transunion. I am now running close to 700 because of these simply credit fixes. I got one collection agency to break the FCRA. I disputed my bad credit item and they had to respond to the dispute in 30 days. They failed to do this and the listing was removed. I used my parents, and 2 of my friends to add me as authorized users of their credit cards. No, I don't use the cards. I told them to shred the card when it was mailed to them. I even told them I don't want to know the name of the company they are with. To assure them I wouldn't get any funny ideas. For the past year and a half I have had over 90,000 dollars of credit being managed "very good" in my profile.

Here's another trick. Go to a bank that allows secured loans. Take anywheres from 300 to 1,000 dollars and deposit it in a savings account. A few days later request a secured loan from that bank. They will give you the loan of however much you put in the savings account. Go to another bank and make out a savings account. Do the same thing. Repeat the process with the third bank. Do this so you can have 3 loans out, with your original 1,000 dollars still in your hand. By the time your first loan payments come due, use that money for the loan payments. Pay off all three in about 6 months. You might find this easy if you do 300 dollars, but stretching it if you use 1,000 dollars. Either way, 6 months down the road, you now have triple your money because you "invested it" in these loans. You now a bigger wad of cash than you started out, and you have 3 A-1 listings on your credit reports. MAKE SURE they will report these loans to the credit bureaus.

Restoring your credit and getting it in top notch shape might take a year or longer (worst case scenario) but in the long run you will run scores of 700+ if you get a piggy back ride from your friends and you get those bank loans listed. Then you should have no problem getting a credit card of your own. I am sorry this is so long, but I couldn't summarize everything in short.

I will express my disgust at Ugly Duckling and the credit bureaus for capatilizing off of us. Their days will come. As an advantage, knowing how to manipulate the credit system can come in handy for you and your kids. Remember, this nation is credit hungry, and cash starving.

Good luck with everything.
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