JD Byrider More than a Ripoff. Des Moines Iowa

I could have sworn it was Richard, I was also reading it on my phone.. That's not really the important matter that I'm going to address here. I didn't know that I could go somewhere else, because my mom (curse her [oh Lord, should I even say that? You guys are just going to twist that on my now I just know it.]) told me that with no credit I had not choice. This is because for so long I had even been denied small credit cards because I didn't have any established credit.

So neither of us really believed that any other dealership would bother trying to get me a loan. Obviously we were wrong. That's not the problem here, the problem is the company knew that and they knew then that they could take advantage of me. As for not asking about the price. JD Byrider supposedly has a policy where they don't show you the price of the vehicle you're purchasing until they draw up the paperwork.

To address my failure to attempt to negotiate a lower price: have you ever been through the buying process at JD Byrider? They sit you down, and before they even tell you what kind of cars they have available that you might like, they do what any dealer would do: they ask you about your current financial situation.  They actually go a little deeper than just having you fill out a credit application, they question you about your disposable income, how much you make each month, how much you spend on driving, how much you spend on entertainment, how much you spend on groceries, so on and so forth. 

When you're finished describing your life to them, the salesperson leaves you and a financial person comes to you and says, okay we've budgeted you here, so we have THIS car that will work for you. They don't tell you how much it is, they tell you how much your payments will be spread over three years. They tell you what a good reliable car it is. They tell you that a lot of people have had this car and really love it. They tell you how perfect it will fit in with your lifestyle and how affordable the payments are. They explain the 20% interest rate and how it's a "high risk" interest rate because your credit is too low to get a car somewhere else(I was told this multiple times by at least three people).

I told them that I didn't like the payment amounts and asked why they were so high. They basically told me ("basically" means I'm paraphrasing here) that I was going to have to make some sacrifices and give up some things I didn't need if I wanted to have a car. This made cold hard sense to me and I nodded and agreed to look at the car. 

There wasn't much to look at really, it was an ugly, boring 2004 Chevy Malibu Classic, but it was a car and it ran. I test drove it, and I was overflowing with glee because I was actually going to have a car.

The main thing here, is I was alone, shy, in need of a car, and as I've said before, naive. I didn't know I could get better, and I was scared to negotiate with them, because I needed a car. I have recognized and addressed my faults, but the moral of the story is what I've been saying from the beginning: JD Byrider takes advantage of people in need. 

Like I've told Robert(not Richard) I don't care if you believe me. This report isn't for you, or for him, or for anybody who is going to come in here and chastise me for my mistake in opening myself up to being taken advantage of. This report is for the people who, unlike me, would research JD Byrider before hand and think it's a great idea. I want as many people as possible to see how they take advantage of people.

I don't think that it will ever help to close the company down or anything like that. I certainly don't think it will help them to change their ways. However, if I can stop at least one person from the trouble that I've gone through with them, then I know I've done something.

“Really Richard?... Okay.. can you read at all?”

Apparently you don’t excel in reading because for some reason you think someone named Richard responded to your report.

“I went to JD Byrider because I didn't know that I could go somewhere else”

I would expect there are other subprime auto lenders in the Des Moines area.

“They didn't tell me how much it was going to cost until I was signing the paperwork”

Not only did you not ask about the price but you also failed to attempt to negotiate a lower price. That’s a shame.

 I hit the nail on the head.  You are getting your information about the other dealer..from the salesperson.  Umm..it sure looks like I know what I am talking about.

Oh and as for your sister.  Guess what in some cases NO credit is actually better than bad or limited credit.  So it is possible but unlikely that she was able to get a car loan without a co-signer.  It all depends on several factors you (amazingly) failed to mention.  What was your Debt to Income Ratio compared to hers's.  Did any of your history include any late payments(even 1).  Did it include any delinquent balances.   What is the terms of the loan, loan amount, down payments, interest rate, length of time.  I bet when you compare  your two cases together you will find that they are actually quite different.

It is also always amazing how the car gets worse as you continue to post and according to you this site just happened to totally block out all of the other issues the first time you posted...yea nice try.

I doubt these additional incidents actually happened.  Well either that or you have some very strange priorities deciding to focus on sun visors instead of the suposed car reving up to 4000 RPM and instead of them not finding the incident because the light went off to them being able to figure out it was the 02 Sensor and Catalytic converter.

Umm..I wonder what else you left off.   Perhaps your next post will be how you were driving down the road and all 4 wheels just flew off and you rolled the car down the side of a 5,000 foot cliff but was able to walk away without a scratch.  But somehow this site didn't post that the first 2 times.

Oh and as an FYI it is actually illegal in most states for a manufacturer or warranty company to void the warranty because you refuse to have them do the work.  You need to read the full text of the warranty to see what exclusion it actually contains.

Seriously. I have no idea what I could have done to make you feel the need to try so hard to make me look like the bad guy. You have got to be working for the company or something. I have been victimized by this company and everything I've posted is a fact. You're just taking everything I say and twisting it to make it seem like I've done something wrong here. The only thing I've done wrong is being naive enough to buy from a company like this. I never got information from anybody but the salesperson at JD Byrider.

She told me that my credit was nowhere near good enough to get a car somewhere else, and throughout the entire transaction I was told how much they were helping me. I didn't know that I had other options, all I knew was that I needed a car and I needed one fast. They didn't tell me how much it was going to cost until I was signing the paperwork. You can believe whatever you want, that doesn't really matter to me. What matters to me is that I get the word to as many people as possible what kind of company this is, because I don't want other people to be taken advantage of like I was.

Apparently I didn't post my updated report of what happened. So, this is what's missing....

Not long after that, on my way home from spending time with my friends, my car made a loud bang and from that point wouldn't accelerate until it got up to about 4000 RPMs and the check engine light was flashing. I was almost home, so I kept going. When I got home I called a tow and had it taken in. They told me it was my catalytic converter and my O2 sensors. The O2 sensors they could cover under warranty, but not the CAT. So I had to pay a dandy $200 to get that fixed. They didn't get a chance to fix the O2 sensors because they wanted me to have a car for the weekend, which was actually really kind and thoughtful of them. TWO WEEKS later... yes you read that right... TWO WEEKS LATER THE SAME THING HAPPENED. So I had it towed in again, obviously. When they finally got back to me, they told me that they couldn't find anything wrong with the car. I explained exactly what happened. I told them that I wanted them to replace the O2 sensors since that didn't get completed last time, and I asked them to check the spark plugs. I was told that wouldn't be covered under warranty unless the check engine light came on for it. I told the gentleman that I spoke to that I read online that a bad O2 sensor can sometimes destroy the spark plugs, basically refusing to take no for an answer. So, they fixed all of that and I was pleased. I picked up my car and HALF WAY HOME the check engine light came on again. I took it to an O'Reilly's immediately and the problem detected was, get this, the catalytic converter. I have heard from multiple people that this is because of the replaced O2 sensors, that sometimes the computer needs reset, so I'm not entirely worried about that. However, you'd think TRAINED mechanics would know that and would reset the car's computer after replacing the O2s.

 Now, I have tried to get a new car, but because of the ridiculously high loan amount, and the fact that my car is only worth $2000 now, I can't get a new car at all. No bank will refinance with me because the value of the car is only a fifth of what I still own on it. 

So, Richard, you're not ENTIRELY stupid... just mostly.

Okay.. can you read at all? Because seriously... it seems like you only picked out your favorite bits of my report and decided that they were the only bits that were actually included. Let me reitterate... I did not know that I had another option. My credit score was 640. They told me to my face that I couldn't get a car somewhere else. I went to JD Byrider because I didn't know that I could go somewhere else and I needed a car immediately. No I didn't get told later by the other dealership that they would have given me a better deal. I know for a fact that they would have given me a better deal because my sister was able to get a car with absolutely zero credit, from said dealership without even having a cosigner. So no, I was not a "high risk" borrower as they lead me to believe. On top of the sporatic security system, I've also had my car break down twice from exhaust issues, both within two weeks of each other, which, had you actually read my entire report, you would have noticed. The only reason I agreed to pay double my car's value and the 20% interset rate is because I didn't know any better, and they took advantage of that fact. And yes they give free oil changes, it may be surprising to you, but I know how to change oil, but they don't want you to do any repairs yourself otherwise it can void your warranty. And read that again, because I said "The only good thing about JD Byrider is the free oil changes." And thank you so much for your grand advice on getting AAA, I've actually now got two different roadside assistance plans that cover towing, so your little helpful hint, not entirely helpful.

So please, Richard before you try to sound like you know anything, actually read the article. I'm going to assume you work for JD Byrider, because honestly, who spends their time vehemently trying to protect their honor? If you don't work for them and that's how you spend your time, you are a sad individual.

 If this other dealer is so great why did you agree to pay double your car's value at a 20% interest rate? 

Umm..perhaps because the other dealer isn't that great..or is it because even they couldn't help you with your credit situation.  Or perhaps it is what the salesman told you when you told them your "horror" story about this dealer.

Well here is a little thing you should know.  The job of a Salesman is to SELL they are going to try and put the most positive spin they can on anything.  As such many will say what ever it takes to get you in the door and start to sell you a car.  So if you really think that they are going to give a "high risk" borrower the same interest rate(or even anything close) as a person who has a 800+ FICO score you are living in a fantasy world.  

So let's get to your "RipOff".  If I read this correctly you had 2 visors fall off, a security system issue where you had to pay for towing and a Check Engine light that comes on sporatically.  On top of that they actually give you free oil changes if you can come in between 7-9AM.  Yea this hardly screams "RipOff", especially as used cars go.

Oh and one more hint.  If you had something like AAA(Under $100 a year) they would have towed your car for free.