• Report: #1095983

Complaint Review: JD Byrider

  • Submitted: Thu, October 31, 2013
  • Updated: Thu, October 31, 2013

  • Reported By: darren — jacksonville Florida
JD Byrider
1285 Cassat Ave Jacksonville, Florida USA

JD Byrider Mrs Bridgette,accounts-claims -Mr Ben, sale man, Misleading customers just to make a sale/giving false info.about their insurance company. Jacksonville Florida

*Consumer Comment: You don't understand how loans and insurance coverage works

*Consumer Comment: Where Did You Get Your Law License???

*General Comment: do you

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jan/2013-my wife and i brought a car from this company at the time of signing the paper work mr ben the sale man for this company was feeding us all good reports about this company .he states the car we brought long as we make all our payment on time it will help us re build our credit it will look real good if we make six payments on time we will be in good standers with the company which we did. we even made 6payments a head of time-we was so happy that we got the car. we also let mr ben know that my wife got in an accident which total our last car. at that time mr ben explained to us that jd byrider also has an insurance if the car is wreck or total lost we will be taken care of that the car will be pay for in full so that cost a little extra which we got. -the car we got was a 2002 mitusbsi galant after taxes an all they sold the car to us for $ 17,000 total- .

on Sept-2013 my wife was in a bad accident which total the car out we call jd byrider let them know what happen they told us we didn't have nothing to worry about because we was cover with there insurance full cover. this statement comes from mrs bridgette(claims-accounts) just hold on we will be senting out our inspector in a week. inspector came out and looked at the car and total it out. he turned the paper work in mrs bridgette in form us it will take up a bout a week or two before they cut a check to them but make sure you stay currect until we get the check.  we did we was paying for a car we wasn't driving or have in our possiession. the insurance company towed the car. i just found out that we have a outstanding balance of 7,000 dollars they want us to pay for a car we dont have. they told us that the insurance that we have only payed the book value of the car and we must pay the remaining. i inform them that when i got their insurance they told me that their insurance will pay the car off if any thing goes wrong thats why i got their insurance. now theyre been very rude an nastly they also wrote a letter stating that we dont have the car that they insurance have the car.-now they trying to stop other car dealer from approve us a car because of the balance they have on our credit .they needs to hold to their words and stop over chargeing people and telling lies to make a sale they need to close down-please help


This report was posted on Ripoff Report on 10/31/2013 09:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/JD-Byrider/Jacksonville-Florida-32205/JD-Byrider-Mrs-Bridgetteaccounts-claims-Mr-Ben-sale-man-Misleading-customers-just-to-1095983. 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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Updates & Rebuttals

#1 Consumer Comment

You don't understand how loans and insurance coverage works

AUTHOR: FloridaNative - ()

It's shocking when you find out that the full coverage insurance you thought you had only covers the value of the vehicle and not the remaining amount of the loan. But it is true. Unless you had gap insurance in place to cover the difference between the amount the insurance company pays and the amount of the loan, you are on the hook for the balance.

Not only are you on the hook, but until it is paid the lender can persue you for payment and get a judgment against you if you don't pay the balance off right away.

Yes, it can be reported on your credit. It probably will be reported too as a warning to other lenders that you don't follow through with your loan agreements.

The longer it remains unpaid, the more you owe the lender due to default interest, late fees, penalties, collection fees and whatever else the lender can charge in accordance with the loan agreement default provision (because you are in default).

No, I don't work for this lender or car dealer, but I do read any contract before I sign it - that's how I know. Go back to your contract and see what the penalties are for default on your loan so you know how to handle it.

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#2 Consumer Comment

Where Did You Get Your Law License???

AUTHOR: Jim - ()

First off, if I can make out what you're saying is you had full coverage insurance which is required as a condition of the contract.  Nothing new or unusual with that.  That full coverage insurance COVERS THE CAR and NOT the loan.  In a total loss, that insurance pays the value of the CAR one second before the collision.  See that?  It covers THE CAR and NOT THE LOAN. 

You were upside down in the deal which means you owe more than the car is worth.  As such you are on the hook for the rest of the loan amount.  Yes, so-called "gap" insurance would have covered that extra amount.  If you didn't have it, you are on the hook.  No need for court action...it won't help you.  Nothing unusual about being upside down in the deal and being on the hook for the loan amount in case of total loss. 

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#3 General Comment

do you

AUTHOR: buck - ()

is in your contract that you signed. If so take them to court....  the insurance you talk about is called gap insurance. I dont think they sell you or provide you that type of insurance. 

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