jd byrider and cnac they straight ripped me off cincinnati, Ohio

I recently sold a car to a guy who has no bank account. He owns a number of rental houses that he paid cash for. He decided years ago that he was not going to finance anything. He has no debit or credit cards. He paid for the car with cash. Unfortunately I feel sorry for him. Perhaps he never travels. It is very difficult to pay for an airline ticket on line without a credit or debit card and the same thing holds true for paying for a hotel, renting a car, or buying ANYTHING on line. You are bucking the system if you insist on never using a bank. Also the money in a tin box under your bed might get stolen.

Seriously, if you never buy anything on time you end up with no credit. You are taken advantage of by sub prime lenders who sell you overpriced merchandise (good or bad) at a high interest rate. They do this because many people with no credit are this way because they have had repossesions ,lawsuits, or other problems. The dealership runs a risk selling them a car so they make sure that the initial downpayment may be what they actually have in the car. The rest pays the overhead. Is this fair? Depends whether you are the buyer or seller. The risk is theirs.

If I were someone who decided to pay cash as I go for the most part I would use a bank for a savings account or a checking account (that I would rarely use) and get a debit card that is tied to the money in your account. You can then buy things on line. I would establish credit by having something like a department store credit card based on your income and bank records. Occasionally I would buy something cheap. Put it on the credit card and pay it off at the end of each month. You will soon have a great credit score.

If I buy a car and have the cash I would ONLY deal with a private owner who has no overhead and no need to overcharge . He knows what he could get from a dealer for his car -essentially whatever the dealer could buy the car at auction for regardless of what the "Blue Book" says. He will make a small profit selling you the car. You have already checked wholesale and retail prices so you know the ballpark price of that car. You can see service records and can take the car to a mechanic to have it checked out before you buy it. You can pay cash for it and you will OWN it.

There is no need to deal with sub prime dealers in cars, loans or anything else if you have cash. Don't make this mistake again.

First of all I want to say, I have a car from JD byrider currently. Yes I had bad credit, and I needed a car really bad. And in this economy, it is hard to find someone with great to perfect credit. Did I make mistakes before where I had to pay what I thought was just a high interest rate for a car absolutely. But to pay 12,900 for a 5000 dollar car and have a high interest rate of 22% please tell me how that is not taking advantage of someone who needs help? Am I greatful to them for helping me? Yes. But I am not greatful knowing that I am being taken advantage of because i made a few mistakes when younger. I don't see how kicking someone when they are down is the right thing to do. I can't even trade my car in or i would have negative equity bc of how much i still owe on it after almost two years. I am going to end up paying 16000 dollars for a 5000 dollar car. and you say that we knew we were going to pay outrageously for our car but not 3x the actually worth amount. The way you speak you have never made a mistake which if your human than i know that is obvioulsy wrong. Regardless what anyone says they still take advantage of anyone who needs help.

... And not once should I have ever submitted a response to any of you -- There are lots of people out there who know exactly what this is about, and they also know exactly what you all are about; each of you work for some sort of ripoff entity, or you wouldn't be so inclined to make these sad attempts to insult me, and you can call me whatever you want, as your remarks sponsor my theory, that you each have a part in ripping somebody off somewhere and that you're pathetic in thinking that I would give a tinker's damn about whatever you say  -- You cannot defend those scam artists, it's ridiculous for any of you to even try; people are fed up with this kind of thing and as a result, the credit system as a whole is on the decline (I cannot be deceived; again, you need to stop) and not necessarily because of the current state of the economy -- More people are going to cash transactions and couldn't care less about establishing credit, owning real estate; statistics are showing that people are not purchasing new cars as much as they are repairing and maintaining the older ones they already own -- People with prime credit scores are also experiencing how fickle the banks have become, just before and since their gracious governmental bailout, and lots of them are looking at cash reserve now more favorably over credit extensions -- What I like most about this is that the number of people in similar circumstances to my own are reading this and thinking it through, and the majority of them are not deceived either and they will see this whole thing the same way I do, and they'll keep their hard-earned money out of the hands of greedy opportunitst criminals such as you guys -- Lots of people manage quite nicely without being enslaved and abused by the so-called credit system; they know it's not mandatory (or necessary) to hang themselves with a mortgage to have a happy home and a happy life, and for those who choose to do so, I say more power to them and God bless them all, I am so not a hater like you guys are ...   

You still never told us about the written warranty. What is covered?

"the credit system is failing... I am patiently waiting for the whole credit system to fail"

The credit system is strong and will never fail. Without credit most corporations and the housing market (as bad as it is) would not exist. Unemployment would be sky high. We would suffer a great depression. Why would you want that?

"I see that you sit and do nothing but send out these rebuttals on almost everybody else on the site"

Then you know we don't work for JD Byrider.

Your car was repossessed due to nonpayment and you have no credit but yet you claim to have another car. If that's true, then someone else paid for it. Hey, there's that credit thing again. This time it's someone else's credit.

"I chose a while ago not to be a part of the credit system any longer"

That decision was made for you. LOL.

Save your money so you can afford a house when you're 80. You'll be able to move in just before you die.

This individual is quite obviously in need of professional help. I hope he/she gets it.

"I am glad that I chose a while ago not to be a part of the credit system any longer; there are lots of people like me, capable but smart enough not to get involved with credit, which is why the credit system is failing, thank goodness and Godspeed to the Cash Only Crew, ..."
Why are you patronizing a "deadbeat" car lot.  This makes no sense whatsoever.
Are you just trying to justify your actions? If that's your thing, go for it...dumb as it looks.

Each and every one of you must work for one of those criminalistic organizations such as a JD Byrider/CNAC -- I say this because you all sound rather defensive, and because you don't know me or anything about my creditworthiness, skip it, and accept the fact that there are likely thousands upon thousands of places like them, and even more people like you -- There are millions of people who do the right thing the right way and still get taken advantage of, and whether I did the right thing or not is not the issue; those people defrauded a contract and I am going to call them on it -- I had the sick displeasure of observing someone at a JD Byrider location recently, in a meltdown, because one of their 'mechanics' set that person's car completely on fire with a blow torch as we stood and watched, so don't tell me this 'business' will be around much longer -- Believe me when I say my responses to you are mild, because again, you don't know me; I could impress you in such a way that you wouldn't dare hit another keystroke on this thing, and as it always goes, each of you will have a day as well, because it also rains on the unjust -- I am glad that I chose a while ago not to be a part of the credit system any longer; there are lots of people like me, capable but smart enough not to get involved with credit, which is why the credit system is failing, thank goodness and Godspeed to the Cash Only Crew, and I don't have to bet that each of you naysayers are mortgaged to the hilt with a suicidal verve, and that you still think a wallet full of plastic is an achievement -- I work for everything I own, no borrowing anywhere, worked myself through school, proudly, and not one of you can take that away from me -- Not upset in the least by your commentary; I still say you all must be required to submit those commentaries under court order, or to provide sustainence to your self-righteousness -- You couldn't be further from wrong; there was a warranty, and furthermore, they've admitted they agreed to the repairs with no response to the question of avoidance, othe than standard operational procedure, or their claims of the 'inability to perform such repairs' -- Like I said, they are not to remain in business for long; other cities have already run them out of town, and I will operate for the same thing here -- It hurts to know that I have witnessed someone experiencing something worse than my own situation with these clowns, and for all of you to attempt to support these criminalistic organizations with your rebuttals, if you can call it that, is laughable -- I see that you sit and do nothing but send out these rebuttals on almost everybody else on the site, so I promise you, I don't take it personally, maybe that's your only job, and that's sad to me ... P.S.  No walking for me; I have another car, sorry haters, I am more intelligent than you assume, and more industrious than you'll ever know --
What I do know is that I will be vindicated in this, and in any other wrongdoing that crosses my path because I set everything straight and I'm not the loser credit-criminal you want me to be -- Problem is, all you naysayers, like these ripoff organizations, try to categorize people in similar situations as deadbeats, and that's just not reality; lots of people who pay for things, in full and on time, still get ripped off, and yes, it happens to people with good credit too, they're out there to do this to anybody and everybody if they can get away with it ... This time, they won't, so say whatever you want, I might not respond next time because I am bored with you all, and smart people know that a credit score does not determine your worth or your wealth -- I am patiently waiting for the whole credit system to fail; it won't take long, and it won't stop me from living -- You guys, the naysayers and creditmongers, on the other hand, are in for a very big surprise soon enough and I won't feel sorry for any of you, just as I don't want anybody feeling sorry for me, I'll fix this myself, too easy; got into this site just to see how things went, not expecting resolution here, or friends, so say whatever you want, this JD Byrider/CNAC mess is being cleaned up nicely in my favor as I send this, because I have faith and no worries ...  I sincerely hope that anybody else out there who has been taken advantage of by these people, or any other garbage-peddler out there, finds resolution as well ... Be blessed; I am ...

You didn't claim the vehicle was under warranty until your fourth post but on your first post you admit to using the car payment to pay for repairs. Nobody would do something that foolish if they had a written warranty. You evaded my questions about the test-drive either because you didn't take it for a test-drive or you are embarrassed to admit you purchased and drove a car with the check engine light on.

The check engine light could indicate an oil pressure, engine temperature, or drivetrain problem, which are serious and require immediate attention.

Enjoy those long daily walks. It will be 7-10 years before you qualify for a decent interest rate.

Do you have that in writing? It NOT, it's useless, as you've found out.  The written contract ALWAYS prevails.  Signing a contract without the repairs already made or written into the contract, is a very foolish way to do business.

"I am solely focused on the fact that I have been ripped off by a shoddy organization pretending to do business as automotive sales/financing, they sold me a vehicle UNDER WARRANTY stating that it had been inspected and was roadworthy and it is not, they agreed to correct the problems I cited after test-driving the vehicle "
I would wager you have no WRITTEN warranty what-so-ever and your hope of getting free repairs is going nowhere.

You wouldn't even be dealing with companies like this unless you've proven in the past that your credit is in the toilet and doesn't look like it will ever get better.

You reject any good advice given you and then initiate personal attacks.  You have fated yourself to continue to have problems like this far into your future.

Find something else to do -- Pay attention to this, if nothing else:  This is not a medium for anybody to discuss my belief system, stop that, you are not reaching me, I serve a God, and for the last comment I saw and feel no need to read, you wouldn't know Jesus if he kicked you in the face (get ready) -- I am solely focused on the fact that I have been ripped off by a shoddy organization pretending to do business as automotive sales/financing, they sold me a vehicle UNDER WARRANTY stating that it had been inspected and was roadworthy and it is not, they agreed to correct the problems I cited after test-driving the vehicle and have been avoiding to do so for almost two years now, with regular-enough contacts and visits for them to have done something other than render the vehicle into worse condition after 'inspecting/diagnosing/servicing' recently -- You negative commentators reek of belonging to organizations such as the one trying to burn me; maybe you have to make these comments as part of restitution, don't know and don't care -- There are enough people who have experienced the same or even worse than what I am experiencing from the same 'company', and eventually this place is going to have to straighten up or close up, but all I can tell you is that my situation will be corrected because I will continue until they address it and set things straight, period -- Say whatever you want in the negative, in an attempt to defend such actions by such places, ripping people off, or in an attempt to tell me something you assume I don't know; I am intelligent enough to ignore you and I am sure others visiting this site in similar situations are as well, they will only focus on getting the problem resolved and getting their money's worth, that's all this is fr me, I'm not about something for nothing, these crooked organizations are ...  

First off RJ, you are correct in that neither you or I or anyone else here is to "judge" anybody.  The Biblical definition of "judge" is to determine who will or will not receive eternal life in heaven.  Only one person has the ability and the power to do that...Jesus Christ of Nazareth...period, end of story on that FACT.  We are however in our DESIGN and our BUILD given the power to DISCERN between right and wrong, to make decisions and use wisdom in making those decisions which HE will give us if we ask HIM.  As such there is a big, big, major, giant size difference in the terms "to judge" and "to discern".  They ARE NOT and never will mean the same thing.  People take exception to the rendering of an opinion by another (because that opinion may point out something wrong or follish that person did) and claim what the person did was "judging" rather than using discernment to analyze the situation and render an opinion based on his/her professional knowledge or experience.  In other words, they don't like the analysis so they find fault not with the analysis or reasoning, but instead find fault with the person or attempt to cast some sort of "shadow" on that person rather than do what a reasonable person would do, consider the validity of the opinion. 

In this case,  Robert, myself and some others have attempted to point out some things which you could have done differently and things you shouldn't have done all based on our professional experience, education and credentialing which apparently is beyond your own expertise in these matters.  That point is not a criticism but an observation.  In your response, you've not debated the nature of our advice, instead, you attempt to cast some type of cloud over our advice by alleging a conflict of interest such as we must work for the dealership.  Then in an entirely immature fashion your response in summary is: "I'm going to take my toys and go home!"  How sad.

My advice to you is talk to your clergyman about the difference between "judging" and "discernment". 

Secondly, do everything you can to build your credit score so you never again need to do business with a subprime dealership as per the reasons in one of my earlier posts.

As far as legal remedies, if you bought this car "AS IS" then you signed various forms indicating the sale was "AS IS" and, as such, you have no case. 

As far as a repo, the repair costs and contractual agreement you signed to make each and every payment on time are two different matters.  You need to make the payments without regard to the condition of the car and, as such, you have no case.

But since you apparently resent us who have rendered advice to you, my final suggestion is to ask your clergyman if he knows an attorney in your church congregation (and you should be in a church congregation as opposed to a lone ranger Christian) who will see you pro bono, meaning the attorney will see you and render initial advice for free.

Please be guided accordingly.

How did the brakes, front end, fan, heat, and A/C perform during the test drive? Why did you purchase a vehicle with the check engine and ABS lights on?

Jim,

You and Robert must work for one of these so-called 'businesses' that exist only to rob people -- And your name is Jim, not Jesus:  Say nothing about my spiritual journey, work on yours as you attempt to judge, knowing that you can't -- JD Byrider and CNAC will not get away with what they do to people; I am grateful for this site and the BBB, as this one will soon be resolved and I'll see to it -- Don't need anybody's instruction about credit; I made the right decision to create a credit history and made the wrong decision going to JD Byrider, and that does not mean I should let them take advantage of me, and for anyone else out there being ripped off by these kinds of fools like a JD Byrider, let them have it, stand up for yourself, and don't be discouraged by commentary from people like these two, as I assure you, they will have a turn in getting ripped off -- I pay for what is mine, I don't expect something for nothing like they do and I only expect my money's worth, but in this case, the attempt to rip me off will not work; I will not stop until I am vindicated, so get over it, Jim and Robert, and anybody else attempting to play devil's advocate, key word being devil, you work for the devil, why else would you take such a stance, as if there is no such thing as a person being ripped off ... It's happening all over the place and people are not having it and I am one of them ... Not having it ...

Yes, Jesus would want you to be a good steward of the money you have. For example, if you are going to buy on credit, then have an excellent credit score so you don't need to use a SUBPRIME dealership and HUGE interest rates. Not only that, most SUBPRIME dealerships like YOU chose only sell tired, worn out, problem cars like YOU have. Since we're talking Jesus and how He wants us to make wise decisions and use our money with the utmost of wisdom, I guess you need to do some explaining to Him.

The gentleman in question here, Robert, is usually right on dead center with his advice. When he renders his advice and hits the nail perfectly on the head, the OP usually can't stand it because they are so full of themselves they can't possibly be wrong. Their typical response is "you must work for them". So not only using your resources WITH WISDOM and PRIDE are just two areas of your spiritual journey you need further instuction and guidance with.

Hi Robert,

Couple of things for you:  My apologies for your inability to cope in the lithium shortage, and for the fact that you sound like a CNAC agent or an unskilled collector, or otherwise underpaid, if you do anything that relates to gainful employment -- If you were indeed a clear-thinking individual, you would know exactly why I did what I did; there are intelligent-enough readers out there who might be willing to let you in on it, I won't, no reason for me to help you -- Before you say something else stupid, I'll submit that I only went to these fools for a second car, and that I will never again be a slave to the dictates of a banking institution, as they believe I should load up on credit lines in order to be accepted by them again to finance a new car, as my income is sufficient but my credit does not exist:  For you, that means I do not have bad credit, I  choose not to open up accounts or secure a mortgage to appease the banks; I simply use cash because I can and I will continue to do so -- I don't expect you to know this Robert, but there are ways for places like CNAC and JD Byrider to rig up a vehicle just long enough to make it out of the lot; in my case, the salesperson agreed to make these repairs on day two and they have avoided me for almost two years, it wasn't about waiting, it is their avoidance and steadfast refusal to address the fact that they are selling vehicles that are not roadworthy, which means they break the law, so I'm smart enough to insist and persist -- What you say doesn't offend me Robert; I could explain this more in depth to you but I am clear that this is beyond your realm of comprehension, I am only pleased to see that you can actually read, wondering now who helped you with the spelling, and knowing that my SAT scores would make yours invisible, if only you were a graduate of somewhere other than Suxtaby U -- Praying right now for somebody caring to step into your life, Robert; in the meantime, try Jesus ...  

How did the brakes, front end, fan, heat, and A/C perform during the test drive? Why did you purchase a vehicle with the check engine and ABS lights on?

Yes Robert, he/she certainly took it for a test drive. Only a total idiot would purchase a car without a test drive.

Let me guess that you were probably not Valedictorian at your High School.

, and these problems were in existence day one
- Since just about every one of those things could easily be found in a test drive how come you still bought the car?  After all you did test drive it didn't you?

i had to use the payment on occasion to make repairs
- Where in your Loan agreement did it say you could do that..I'll give you a hint..NO WHERE.

the collectors called my employment with a cease and desist to the employment on file, they called me twice after 9pm which is illegal in all 50 states
- That's probably the funniest thing you said.  The only thing the "cease and desist" did was to delay them calling you for a few minutes why they were laughing so hard passing it around. 

My guess is that you are confusing the Original Creditor(which they are) with a 3rd party Collection Agency.  Because with the exception of only a couple of states(and I don't think Ohio is one of them) Original Creditors have a lot more leeway in contacting the debtor.   So you can ask them to stop calling you at work but they don't have to stop.  But if they were a 3rd party collection agency you could send a Cease Communications letter that would keep them from calling.

i hear them laughing as they hang up again
- Especially if you were spouting off the comments you made from above.

i sent a certified letter to the corporate headquarters on 2/3/2012 i requesting management response; i am so angry over this that i included a copy of the current payment and told them i will send it when they make the necessary repairs
- I stand corrected.  This is probably the funniest thing you said.  You have now had the car for almost 2 years and you are still expecting them to repair the car?  I have news for you.  The car you bought was As-Is.  The second you drove off the lot unless you had something in writing stating they would take care of the repairs YOU became responsible for all repairs.

on 2/7/2012 jd byrider spitefully repossessed the vehicle with only the 02/2012 payment missing and they have a copy of the certified funds for that payment
- Wow imagine that.  You effectively tease them with a payment, threatening them to do repairs or you won't give them the money on a car for over 2 years and you wonder why they repossessed it?  I guess you are the type of person who goes to the Zoo and dangles a piece of chicken in front of the Lion Cage and then wonder why your hand is all of the sudden in the Lions Stomach.

I have some more news for you.  You now have a Repossession on your credit report. If you thought it was hard getting a car before..just wait until you try and get one now.  Not only that but they will sell the car at auction, this will be sold for probably about 1/4 of the balance of the loan.  The thing you need to care about is that you are still responsible for the difference.  If you fail to pay this they will turn you over to a Collection Agency and may eventually sue you.