Americredit Auto financing Americredit lied to us, told us that we would get a deferment due to health reasons then harrassed us and did not give us a deferment causing us to further get behind, sent no letter to me, repossesse Charlotte, North Carolina

"We were not behind on our loan for many many months, until my husband had a heart attack while driving and a wreck also.."



'I am also a stage 4 breast cancer survivor, and now disabled from the botched up re-constructive surgery but do draw a long term disability benefit and a SSI benefit.'



So sorry for your problems, but NO lender can take any of that into account.  Their concern is keeping the account current.  They cannot accept these reasons for relieving their clients of their obligations.

If they did, anyone could claim hardship and defer of avoid payment.



"..they turned us over to the credit bureau and ruined our credit, calling it a repossession.."

How could it have been called anything else...it WAS a repossession.



"We feel that we have been wrongfully treated, lied to, harassed and that they are guilty of consumer fraud and should be punished for all of the lies that they have told us. We wish to join a class action suit against them, ASAP. "



What consumer fraud laws have they broken?  What would be the reasonl for any "class action" lawsuit? Who, potentially, would the other members of this class action lawsuit be?



You DON'T have a case.



"They stole  G.M. Certified Hummer H3 that had only 43,000 miles on it, it was new and they stole it from us."

Tell me, exactly how they "stole" this "new" Hummer from you?

This "new" Hummer that had 43,000 miles on it?

Without regard to your husband's condition, there are no provisions in the contract of any lender I've seen which will let you skip three months of payments. Secondly, no contract I've seen gives you, me or anybody else a "pass" because someone is sick. It is true they have refused to "work with" you. They have no obligation to do that and nor does any lender, especially subprime. The reason you are being financed by them is you have a credit reputation of not paying your bills on time. They didn't do this to you...you did. Subprime lenders have heard all the excuses and reasons for somebody not living up to the contract. They usually don't believe any of them because they get lied to everyday. Nobody stole your car...it was a repo as per the contract. The amount of $2400+ that you say they want tells me you were a lot more than just one month late as you allege. It certainly is a regretable situation which has come about as the result of your husband's heart attack but subprime lenders don't mess around. That's why it is imperitive to develope a good credit reputation. In the future, if somebody tells you there's some type of agreement to defer payments, get a name and employee number, then have that agreement placed in writing and sent to you...otherwise there is no agreement. And no, I don't work for them.

In summation, you failed to make required payments on time...there are no special provisions in the contract for so-called hardship cases...they began collections efforts...they did a repo. Nothing illegal or unusual here.