• Report: #788734

Complaint Review: United Auto Credit Corp

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  • Submitted: Fri, October 14, 2011
  • Updated: Thu, August 30, 2012

  • Reported By: anonymous — Phoenix Arizona United States of America
United Auto Credit Corp
Phoenix, Arizona United States of America

United Auto Credit Corp UACC closed all there offices here with no warning Phoenix, Arizona

*Consumer Comment: Online bill pay

*Consumer Suggestion: Just use online bill pay! Problem solved!

*Consumer Comment: Why Is This a Problem?

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I have been dealing with this company for a very long time and they are the rudest people I have ever dealt with, making threats and harassing who ever answers the phone.  This company had two locations that I used all the time to make my payments.  One near my work and the other near my home.  When I went to make my payment to my surprise both locations were closed with no forwarding address posted.  Of course since I wasn't able to make my payment they were calling me because now it was late.  I explained that I went to make the payment as I usually do at their office but they were closed.  At that time they told me that I would have to send my payments to California that they didn't have offices here anymore.  

Since that time when I tried to make a payment the person that I was dealing with assumed that because I only had a couple more payments left that I would pay the whole thing off with my income tax check which he did suggest but I did not agree to.  So the payment that I sent which was my regular amount was rejected because it was put into the notes that I would be paying off the loan and they wouldn't take anything but the full amount.  They told me that my car has been charged off their books already and it wont be on my credit report either.  

I have not heard from them for some time now.  I still owe for my car, less than $1000.00.  I need to know what to do about getting this taken care of once and for all and getting the title to my car.  The problem with this company is you never talk to the same person.  When you make arrangements the person you talk to must not put it in the notes because a different person will call you again the same day or the next day to harass you.

This report was posted on Ripoff Report on 10/14/2011 09:55 AM and is a permanent record located here: http://www.ripoffreport.com/r/United-Auto-Credit-Corp/Phoenix-Arizona-/United-Auto-Credit-Corp-UACC-closed-all-there-offices-here-with-no-warning-Phoenix-Arizo-788734. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Online bill pay

AUTHOR: Abi007 - (United States of America)

This is in rebuttal to the one that commented about "we must have subprime issues" I find that very distrubing - most everyone has been late or missed payments on something in my case, the USPS lost my mail from UACC and when we finally received the mail it was in another envelope and tore with amounts and phone numbers missing - So I got on the internet to find the number and called as soon as I received the mail - I was told I was late and there is no grace period.

BUT I also was told that they do NOT TAKE ONLINE bill payments from any banks, it is sent as a check and they do not like that - Yes, they offered other suggestions at more money on my end and even Wal-Mart - which I do not go to EVER - so I called my bank and set up on online bill pay and was told that they do not send checks to this company it is Electronically sent that day - Yes, there are times I have been late and yes we have decent credit not the bestest but decent - but before you go and accuse somebody of being "subprime" you better look to yourself first - because everybody makes mistakes but we all deserve decent service.
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#2 Consumer Suggestion

Just use online bill pay! Problem solved!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

Since you are posting here on ROR, I will assume you have internet access.

Therefore, paying online would be a good option.

Just pay your normal scheduled payment.

Unless....you are a derilect who doesn't have a checking account. After all, you are with a sub-prime lender for a reason.

It seems like you have a history of being late payer, as that is the only reason a finance co would ever call you, or be rude, etc.

There is obviously MUCH more to the story here.

They cannot change the payment terms of your legally binding contract UNLESS they notify you of said change in writing with a 30 day notice, OR you were so far behind on payments they accelerated the loan as per the terms of the contract.

If they rejected your payment, you obviously have a record of that rejection in writing, right??

As it stands now, you may be in default, and they can legally REPO your vehicle. That is probably the way it is going to work out. YOU need to be proactive in getting this resolved. It IS up to you to get that payment made as agreed.

You seem to think that the terms of the loan changed since they closed the local offices. I doubt that there was any guarantee in your original contract that said you would be able to walk in an make a payment.

Grow up. Get over it. Move on.
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#3 Consumer Comment

Why Is This a Problem?

AUTHOR: Jim - (USA)

Why do you need to pay them in person?

Why do you need to talk to them?

Why do you need to make arrangements?

Why???  Probably because your payment history is trash! 

When you make your payments on time, everytime something remarkable happens.  They don't call you.  They are nice to you.  It doesn't matter who answers the phone because there are no "arrangements" to be made.

Do you think that some how, some way you can climb out of this subprime financial swamp YOU immersed yourself into by developing the maturity and responsibility to pay your bills on time?
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