Carmax Carmax will not work with you as other creditors do Laurel, Maryland

To answer your question about why they would keep responding to this thread if they wanted it to go away....your right they don't respond, they enlist idiots like you to do it.

For you to call Barb and her husband dumb just shows what an idiot you are  it also shows that you are an invested employee of CarMax. How dumb do you really think people are. You are the one being exposed here. It isn't a matter of legality with the repo, it's a matter of working with a consumer who has paid 6 years of payments and who is willing to work to continue in good faith. I hope that you fall on hard times in your cushy environment and are faced with having to have someting repoed after you have struggled in good faith to pay it. You could not be any more insensitive Mr. CarMax employee!!

 

That's not the law, Barb. You quoted an article on eHow's Money site. The author (Ash Miller) doesn't claim it is a law in any state.

I found a section titled Repossessions on the Maryland Department of Labor, Licensing and Regulation web site. The site clearly states:

"Motor vehicles are one of the most common types of consumer goods repossessed. A creditor may repossess your vehicle if loan payments become delinquent, even after one missed payment."

We have now closed the books on that discussion.

Barb,

What you posted was in no way the "law". That is simply "advice" from a consumer help forum!

Are you really that stupid?

A Saturn??? Those cars were JUNK when they were new! Just a small amount of research would have been to your advantage.

Bottom line:

If you feel the repo was illegal, you should have filed a police report, and then had charges pressed on the repo agant for any wrongdoing. Did you do that??? Why not???

It was either illegal or it was legal. Which is it?

What you like or don't like is not relevant here.

Simply doesn't matter.

And, you are both so dumb, you dont know anything about subprime lending, at your age?

Really?

It seems like you and your husband are just plain dumb.

No cure for that at your age.

This is what I found on Maryland Law. It is unclear what the law actually is concerning this, however, this is what I found.

Refinancing a Repossessed  CarMost lenders  don't repossess a vehicle until car payments are significantly past due, often  60 days or more. Once your payments are reported as late and unpaid to  the credit bureaus, it becomes difficult to obtain another car loan. Work with your lender before it seizes your vehicle (which is what I was trying to do) or seek the help of a co-signer if you  can't refinance the car on your own. (Bear in mind that I had just sent them a large payment to bring it closer to current, with a promise to bring it current in two weeks and they told me they were allright with that arrangement).

Read more:  Car Loans & Financing - How To Information | eHow.com http://www.ehow.com/car-loans-and-financing/#ixzz1wh9ephda

Ok, FYI, The vehicle was a 1997 Saturn SL1. It had many mechanical problems when we bought it. He probably paid much more for it than it was worth in the first place. We thought we would get a better deal on a used car at Carmax, and we didn't know it was what you BO's refer to as a subprime lender. The financing was just offered to us, so we took it. We both belong to a credit union, but since we were there, and my husband needed a car for work, as the engine went up in his 15 year old Toyota, we just went with it. I paid cash for my SUV at a regular dealership, and recently traded it in for a new car when the wheel bearing went up. Already had the engine overhauled and didn't want to sink anymore money into it. So the car was about 10 years old when he bought it. He just needed it to get back and forth to work, 8 miles away, and buses don't go to rural areas where he has to drive into to his workplace. Telling someone to hitch hike is a joke too. There is no guarantee you will get picked up at 5 am in the morning and make it to work on time. Some of the crap I have read by you BO's is a joke.

I never said I did not have any help, I just said I have no employees.

Most small businesses cannot afford employee expense due to the workman's comp and UC premiums alone as the direct cost, then the indirect costs as well.

However, I do have a "contract" mechanic on commission, and he sets his own schedule, etc...based on how much he wants to make....on commission, and then I can hire temps as needed without having the employee expense, as the temp agency bears that burden and that's why a $10.00/hr helper costs me $16/hr., but only as needed.

Then, I am big into barter service for service, and product for service...another way to avoid employee costs.

Barb just has a hardcore employee mindset, and will never amount to anything. Think about it, at her age, still using subprime lenders.

Barb wrote, "No employees equals no customers."

My husband has been self-employed since 1986.  He has never had an employee and continues to do very well.  Employees are expensive and are also a pain in the butt for a small business.

Barb the bimbo is badly in need of a reality check.

Josey refers to Patti, Steve, and Robert as team rebut because they can spot a BS claim from the beginning and say so. If you would check out some of SCE's postings you would see that if someone has a real problem with collectors that he can provide a great deal of info to help them out. The same thing goes for Patti and Robert.

They are not the same person and do not work for Carmax. If you had half a brain you would know that SEO's work to push down the results of searches ON THE INTERNET not ROR. For example, every time someone updates this thread it goes up to the top of the search on ROR so if they did in fact work for Carmax why in the world would they keep on responding to you (if they don't this thread goes back to the bottom where it belongs).

Before you go around calling the IRS about SCE's loop-holes you should look at yourself. The same thing is called playing the system. If as you claim Carmax could not repo the car until after 90 days you played the system.

You originally state that you supposedly paid more than the due amount because you wanted to pay ahead. Did you bother to write 3 separate checks? or maybe enclose 3 payment coupons?

The fact that you had to get a car loan through a subprime lender is an clear sign that you and/or your husband seem to have a hard time paying your obligations that is probably why Carmax just took the car instead of having to deal with you any more.

If they sold the car at auction for 500 hundred bucks that means that you and your husband did not take good care of it or it wasn't worth much more than that. By the way why don't you provide some info as to the year and the model of the vehicle?

Barb wrote, "No employees equals no customers."

You are very wrong. There are many thriving solo entrepreneurs in this country. I know one author, one independent insurance agent, one tutor, three software developers, three graphic artists and two auto mechanics that have become very successful without any employees.

"I think it is great that the character 'Robert' came in to the rescue of the character 'Steve.' And I have friend in Sarasota to verify."

I'm sure you'll verify that just like you verified, "They legally cannot repo a car until it is over 3 months overdue."

When are you going to post proof of that claim?

Sorry, even the so called losers get lucky sometimes. HA! I am beginning to think that everyone that has "rebutted" my original post is the same person. It is quite hilarious. I am doing just fine. Husband, in case you DID NOT read all of the posts, is back to work and so am I. So, the BO's have been busted. It was quite hilarious to find out what the BO's really think about the working person. It was, in fact, quite a study, that will be published. I think it is great that the character "Robert" came in to the rescue of the character "Steve." And I have friend in Sarasota to verify. HA.

BO. That explains it all.

So, all of you, Hambuger Pu*y Patti, LOLLOLLOLLOLLOLLOL, is gagging on a load down her throat, and the made up "Steve and Robert" all have referred to me as a looser, among other things, ha, you are the losers. You have no company at all. You are hired geeks to try and discredit any complaint that a person has against a company.  Ok, I said that Carmax did not have to be nice or help me in anyway, and I was accused by these people of having a "sense of entitlement." No, I do not have that. There are companies that have a reputation of being ruthless. That is their right. So...when word gets out about them, people will not do business with them, as every other business does. You see, businesses want people to like them. That is why the rebuttals were not coming from businesses. They are coming from Team  Rebutt.

Who in the hell else would spend their time arguing with a person on the web???? Not a legitimate business. That is for sure. Hired. Hands. Loosing. Patti, is your labia black?

I was wondering how long it would take for the liberal in the op to show!  And as is typical of a liberal, they think everyone should give everything to them free of charge when the world doesn't go their way.  Well, I 've got new for you Barb.....IT DOESN'T WORK THAT WAY!.  Oh yea, it's obvious you are an Odummer fan.  Well, how are you liking that "change" now?  Out of a job (twice plus your husband!), out of a car, and maybe soon to be out of a house!  Yea,  you just keep voting for the socialist now in power...you (and he) will lose in Nov., but you go right ahead and be stupid ....again.  As far as Carmax?  You made a contract.  You broke a contract.  They took legal options open to them.  Too bad, so sad.

AUTHOR: Barb - (United States of America)SUBMITTED: Friday, June 01, 2012LOLOLOL! LOLOLOL!  LOLOLOL! LOLOLOL! LOLOLOL! LOLOLOL!  LOLOLOLOLOL! LOLOLOL!  LOLOLOL! LOLOLOL! LOLOLOL!  

Just give it up and go away with your tail between your legs!

So Barb, I will give you the straight poop here.

1.  All the company wants is their money.  They dont care if you like them or not, so stop giving your self a special place in the hearts of all your creditors thinking they will work with  you  because they want your good will. 

2.  Most of your creditors will never take you back as a customer any more.

3.  Your line that "All the other Creditors Worked with Me is a LOAD OF GARBAGE".  You know how many times I heard that from our customers, when I was trying to collect on a payment that was 90 days late?

4.  Your idea of "Working something out with Car Max" was probably something like "LISTEN CARMAX, I CANNOT PAY YOU CURRENT FOR AT LEAST 30 MORE DAYS, AND THAT IS THE BEST I CAN DO".  So CarMax went out, and took your car, and cut their losses. 

5. I LMFAO when  you were angry that Carmax sold the car at auction for 300.00, and you thought they should have offered to sell the car to you for that price.  YOU ARE TRULY A BAFOON. 

6.  Go ahead and file bankruptcy. 
The filing fee to file bankruptcy is between 200.00 and 2000.00 (that is in Wisconsin).
The Cost of Hiring a lawyer can vary.
There will be fees that the Bankruptcy trustee will charge you each month, for the next 3 - 5 years.
The Cost to your credit will be priceless.

You will pay far more than the 3000.00 that carmax is trying to collect from you.

SUCKER!!!!

Well, Patti, what did you have in your throat to cause that gurgling sound you tried to write in your last post? Did you choke on it? Looked at little obscene, there, Patti. Was it good for you too?

When  are you going to realize that you an object of derision Barb?  

Can't we all just get along?

LOLOLOL! LOLOLOL!  LOLOLOL! LOLOLOL! LOLOLOL! LOLOLOL!  LOLOLOLOLOL! LOLOLOL!  LOLOLOL! LOLOLOL! LOLOLOL!  
Ok, is she laughing out loud? Is she hacking up a hairball? Or is she choking on an object repeatedly shoved down her throat? Or is she mentally challenged, and is drooling?

The Author is Southern Chemical Company, located in Sarasota Florida. In one of your posts, it lists a "Robert" that lives in Buffalo New York. Now, the "Steve" character, supposed BO of the company says he is your friend, but you are now sending posts from exactly where the BO is sending them from. So, Robert, this leads me to believe that you and Steve, are the same person. First, Steve acknowledges you as a "friend" who also is a BO, but your post, Robert, supposedly came from Buffalo. So, did you hop on a jet and are using Steve's business place as your new area to send posts from?

Barb,

In your drunken illiterate stupor, you are still confusing me with Robert!!

Robert pointed this out already.

I never claimed to be longing by the pool.

I never claimed to be married.

I never claimed to have time off.

Etc. Etc. Etc..

Learn how to read and comprehend.

Idiot.

Here is a compilation of Steve's famous words of wit:

1.   I cannot type, and do make minor typos, but that's is.

2.   The bottom line is that you are a deadbeat and an idiot.

3.   You act like a spoiled little child with an entitlement attitude.

4.   You are a liar, or just delusional.

5.   But, I can only imagine what type of hideous creature you are. And, I'm not into illiterates, like you.

6.   Deadbeats shop at Carmax.

7.   The OP has some sort of entitlement attitude

8.   The REASON my business IS successful is because I do not have employees (like you) sucking me dry. (How dry I am)

9.   You are an idiot, and a loser, and deadbeat.

10. I'm a big boy

11. The bottom line is that you are a deadbeat and an idiot.

12. I know how to spell "right".

13. I can tell that you aere a fat and/or hideous creature

14. I am not an alcoholic.

15. I drink 3-4 beers in the entire evening.

16. I'm a big boy. (repeat)

17. You are a very bitter old hag

18. I am 6'2" tall (not short), a full dense head of hair that I cut into a flat top (not bald), I don't smoke anything (no cigar), and although I love dogs more than people, I don't "bark", and I'm 265lbs (not fat), just normal for a guy of 49 years old who drinks a few beers only on weekends with my chicken wings and 10 year younger than me girlfriend.

19. As to how I spend my time Barbie dear;  when I made the other

rebuttal I was lounging by our pool watching my wife and 8 month old

grandson playing in the pool.  That's the up side to being self employed

(Ok, does Steve have a wife AND girlfriend).  He must be an Arab or a Mormon. Or is Steve cheating on his wife with his 10 year younger girlfriend?) It seems that the "BO" may be in some trouble "O."

20. I don't get any time off, I work 7 days a week running my business

21. I was lounging by our pool watching my wife and 8 month old

grandson playing in the pool. That's the up side to being self employed.

(There seems to be a little discrepency here concerning Steve's 7 day work week and lounging by the pool, it's the upside to being self employed). Perhaps Steve lives on another planet, that affords him an 8 day week

22. You are a very bitter old hag.

23. And an illiterate, and a liar

24. I'm a big boy (repeat)

Yeah Yeah Yeah...You're a big boy Steve..we get it.

However, the OP was NOT "ripped off".

It was only a percieved "rip off" due to her entitlement attitude and Obama sticker on her bumper.

Actually, it was the OP who engaged in the ONLY "rip off" here.She entered into a contract and then DEFAULTED on that contract and then drove around in the vehicle for THREE MONTHS for FREE until the lender did a repo of said vehicle AS PER THE CONTRACT the OP signed and agreed to!

The repo was perfectly legitimate.

No rip off on the part of Carmax.

The OP filed a malicious and false rip off report against a business.

That is the real rip off here.

Robert, thanks for the input. I saw that right away.

For Barb...I'll keep it real short so you can comprehend.

I don't care what you think or what you like.

Period.

You are an idiot, and a loser, and deadbeat.

You know nothing about owning or running a business, so your comments mean nothing as they are made out of ignorance.

You are an employee, and of an employee mindset, and that's only when you are not unemployed and dodging your creditors.

The REASON my business IS successful is because I do not have employees (like you) sucking me dry.

Employee cost is HUGE.

I don't need employees in my business at this time, as I contract whatever services I need, or do the work myself.

You are a loser, and will always be a loser.

You don't have what it takes to be a business owner.

I do.

And, you are still an illiterate, and a liar.

You failed to meet your financial obligation under a finance contract that you willingly signed, and then you scream rip off when the lender did a repo, as provided for in that very same contract YOU signed.

Then, YOU engaged in a rip off against the lender when you drove THEIR car around for FREE for THREE MONTHS.

I can see clearly by your low educational level, entitlement attitude, etc. that you are an Obama supporter, right? You have the gimme my free struff mentality because you are too stupid to do anything for yourself.

 Lost direction is an understatement, does Team Rebutt think that people who post are blind?? It is Team Rebutt who is the one that tries to cloud the issue. Just let people post in peace.

This thread has lost its direction. The initial post was about a borrower that defaulted on an auto loan and then falsely accused the lender of ripping her off because that lender was unwilling to change the terms of a signed contract. Due to the vehicle repossession, Barb's credit is in the toilet and she will not enjoy single digit interest rates for [at least] ten years.

I can't tell you last time that I've have had so many laughs from a ROR post!  I love logging in an getting my evening chuckle after I get off (gasp, say it isn't so) work.  Keep it going Barbie!!!!

All I can say at this point is that our beloved "English major" needs to either return to school for some remedial reading comprehension or lay off whatever it is she's taking that is causing her to be so confused and hateful.  The problem with Barbie is she just can't seem to remember what she reads.  In the nonsense below, she is attributing Steve with something I wrote.

Good grief.  It's no wonder you've had credit issues Barb.

Here's her nonsense:


Yes you did Stevie. You take time off anytime you want, this is in one of your previous posts:


As to how I spend my time Barbie dear;  when I made the other
rebuttal I was lounging by our pool watching my wife and 8 month old
grandson playing in the pool.  That's the up side to being self employed; you work when you want and play when you want.  I tried to offer some assistance to you and I got "slapped in the face" for it.  That's OK. 


I'm a big boy.



Show me exactly where I said that.


I just told you, Stevo.



You are a liar, or just delusional.


Nope, Stevo, you are the liar, I just proved it. Read ut again Stevie Boy:



I don't get any time off, I work 7 days a week running my business.


As to how I spend my time Barbie dear;  when I made the other
rebuttal I was lounging by our pool watching my wife and 8 month old
grandson playing in the pool.  That's the up side to being self
employed; you work when you want and play when you want.  I tried to
offer some assistance to you and I got "slapped in the face" for it. 
That's OK. 


I'm a big boy.



I don't have any "employees" at all.

I never said I have time off.

Yes you did Stevie. You take time off anytime you want, this is in one of your previous posts:

As to how I spend my time Barbie dear;  when I made the other rebuttal I was lounging by our pool watching my wife and 8 month old grandson playing in the pool.  That's the up side to being self employed; you work when you want and play when you want.  I tried to offer some assistance to you and I got "slapped in the face" for it.  That's OK. 

I'm a big boy.

Show me exactly where I said that.

I just told you, Stevo.

You are a liar, or just delusional.

Nope, Stevo, you are the liar, I just proved it. Read ut again Stevie Boy:

I don't get any time off, I work 7 days a week running my business.

As to how I spend my time Barbie dear;  when I made the other rebuttal I was lounging by our pool watching my wife and 8 month old grandson playing in the pool.  That's the up side to being self employed; you work when you want and play when you want.  I tried to offer some assistance to you and I got "slapped in the face" for it.  That's OK. 

I'm a big boy.

I don't have any "employees" at all.

No the sign of a thriving business. No employees equals no customers.

Not in the budget.

Stevie has to be careful with what little money he has.

No male employees. No female employees.

Stevie is the only employee. And he makes his own hours, see previous quotation.

What part of NO EMPLOYEES is confusing to you?

That isn't confusing Stevie, when companies have not employees, they are out of business.



My business has grown fourfold in the past 12 months.

Steve from a previous post:  I play the same loopholes as the rich, so I will never pay taxes, legally.  (Stevie has loopholes to get out of paying his taxes. I'm sure the IRS will be interested in this)

I am not an alcoholic.

(The rhetoric of a true alcohlic)

I drink ONLY on Saturday evening and ONLY at our weekly get together and barbeque.

(He feels the need to exlain to me his drinking habit)



I drink 3-4 beers in the entire evening.

(More explaining about his drinking habit)



That in no way makes an alcoholic.

(More explaining about his drinking habit)



Alcoholics drink every day and cannot go without it.

(He fancies himself being an authority on addictions)



That's not me.

(He is living in denial)



I dare you to post your picture here.

(OMG. He wants to see my picture.)



I can tell that you aere a fat and/or hideous creature.

(Now Stevie has superpowers. He knows what I look like without ever seeing me. He insists that I am a hideous creature, yet wants to give me a lookover).



I would bet on it.

Stevie is also a betting man. Another addiction leading to financial ruin.



Your posts are all full of major spelling and grammar mistakes, while mine are not.

(Stevie, missed his calling. Instead of selling chemicals that ruin our environment, he fancies himself an authority on the use of proper grammer). 



I cannot type, and do make minor typos, but that's is.

(He only makes minor mistakes. He feels he is obligated to me in some way to concede to this)



You make serious errors in spelling and grammar all the way through your posts, yet to claim to be an English major!

(Stevo has never taken an English class in his life, so he doesn't know that it is ok to to relax and just communicate when not writing a story or essay for an editor)



I know how to spell "right".

(He, wants me to know he knows how to spell "right.")



That was obviously sarcasim that you are too stupid to understand.

(Steve is calling me stupid)



The bottom line is that you are a deadbeat and an idiot.

(And a deadbgeat and an idiot)



You have proven that, in a public forum.

(He must be running low on the booze)



And, this last post to which I am referring to now contributed not one thing useful or accurate, and was written with a very childish and immature demeanor.

(I think Stevo is all worked up now)



You act like a spoiled little child with an entitlement attitude.

(Stevie is angry because his business is failing. No employees. Boozing. And spends his days arround the pool in his drunken stupor and in denial over his alcoholism and failing business)



Hope you get it together Stevie.

I never said I have time off.

Show me exactly where I said that.

You are a liar, or just delusional.

I don't get any time off, I work 7 days a week running my business.

I don't have any "employees" at all.

Not in the budget.

No male employees. No female employees.

What part of NO EMPLOYEES is confusing to you?

My business has grown fourfold in the past 12 months.

I was paying all overhead out of revenue in the 3rd month.

I am not an alcoholic.

I drink ONLY on Saturday evening and ONLY at our weekly get together and barbeque.

I drink 3-4 beers in the entire evening.

That in no way makes an alcoholic.

Alcoholics drink every day and cannot go without it.

That's not me.

I dare you to post your picture here.

I can tell that you aere a fat and/or hideous creature.

I would bet on it.

Your posts are all full of major spelling and grammar mistakes, while mine are not.

I cannot type, and do make minor typos, but that's is.

You make serious errors in spelling and grammar all the way through your posts, yet to claim to be an English major!

I know how to spell "right".

That was obviously sarcasim that you are too stupid to understand.

The bottom line is that you are a deadbeat and an idiot.

You have proven that, in a public forum.

And, this last post to which I am referring to now contributed not one thing useful or accurate, and was written with a very childish and immature demeanor.

You act like a spoiled little child with an entitlement attitude.

Barb,

I simply posted those physical attributes in response to your post where you portrayed me as short, fat,bald, etc. It certainly was not a "personal ad" of any kind. I'm not looking.

(He thinks he is hot, so he DID post his physical attributes, if it can be believed)

But, I can only imagine what type of hideous creature you are. And, I'm not into illiterates, like you.

Steve's Assumption: (he imagines me to be a hideous creature, and not a human being. He also imagines me to be illiterate.).....and, he thinks I am interested in him. ewe.

English major? Riggghhhhttt. (Stevie, you spell like teenagers text. It is "right," not Riggghhhttt.

FYI...The position you speak of is no longer referred to as a "secretary".

That term went out a long time ago as it was considered sexist and discriminatory. (Stevo, assumes the role of teacher, he fancies himself a scholar and an equal opportunity employer, although he has no women working for him).

But, you are an old hag who thinks she knows everything. (Stevo, resorts to name calling, as he is calling me an old hag. I think Steve is expressing his anger)

The proper term is "administrative assistant". (And, I don't have either, I do it myself). (A company owner without an "administrative assistant" as Stevie says, is the rhetoric of a failing business, or an owner too cheap to hire an assistant. Yet he says he has plenty of time off. Is that because he doesn't have many customers, or any administrative things to do?)

You made alot of assumptions, all of which were wrong. (Stevo made alot of assumptions, hmmm. let's see. I'm an old hag, among others).

You are a very bitter old hag. (Ooopsie Daisy, there he goes again. I'm an old hag)

And an illiterate, and a liar. (....and again...is Steve repeating himself, a common thing for alcoholics to do. At least he admits he is a weekend alcoholic)

Grow up, and go back to the third grade and learn some basic spelling and grammar. (Stevo, would like me to go back to his level to be able to communicate better with him)

Steve, please, for your family and business sake get some help for your alcoholism. There are plenty of people to help you. AA for instance. Please do not ruin your family with your drinking problem. They also have anger management classes.

Barb,

I simply posted those physical attributes in response to your post where you portrayed me as short, fat,bald, etc. It certainly was not a "personal ad" of any kind. I'm not looking.

But, I can only imagine what type of hideous creature you are. And, I'm not into illiterates, like you.

English major? Riggghhhhttt.

FYI...The position you speak of is no longer referred to as a "secretary".

That term went out a long time ago as it was considered sexist and discriminatory.

But, you are an old hag who thinks she knows everything.

The proper term is "administrative assistant". (And, I don't have either, I do it myself).

You made alot of assumptions, all of which were wrong.

You are a very bitter old hag.

And an illiterate, and a liar.

Grow up, and go back to the third grade and learn some basic spelling and grammar.

Personal ad from Steve:

I am 6'2" tall (not short), a full dense head of hair (thanks to the hairplugs) that I cut into a flat top (not bald), I don't smoke anything (no cigar), and although I love dogs more than people, I don't "bark", (I much prefer to meow) and I'm 265lbs (not fat), just normal for a guy of 49 years old who drinks a few beers (gets hammered) only on weekends with my chicken wings (and a big bag of pigs feet) and a 10 year younger than me girlfriend. (Who is only there for the money) (He is bragging here about his young girlfriend he ditched his wife for) 

(He is trying to sell himself as he thinks he is good looking)

Once more, I don't work for a chemical company.... I own it.(sounds like the commercial for the hair club for men) Therefore, I will get on the internet whenever I want. (I always do what I want when I want because I am an overbearing type A personality). And, I don't have any women working for me (because I an a male chauvanist pig) at the moment, (I even have a male secretary) but if any show up looking for work, I would surely hire them as long as they could spell better than you. (and try to corner them in my office for some hanky panky and hope the girlfriend doesn't catch me)

Ok Stevo, you have a nice evening.

For the last post about politic, you should never mentioned about it at all because politic is all bias. There is no one node that is always right because both nodes have right and wrong. Throwing in politic in a place where it does not belong could cause even more argument and will be off topic.

For the OP, I already said what I said and it is LEGAL. If you can find the law that said it is illegal for creditors to repossess their property (car) once their borrower is in default (not make a payment on time), then you would be right and others will surely apologize you. Please stop giving irrelevant info and go off topic -- you default the loan and Carmax did not work with you but repossessed the car.

For anyone else who comes in to read this report and may get into similar situation in the future, think twice before making a loan. You are obligated to make your payment on time. If you cannot, you cannot and must not expect that any creditor will work with you because they are not obligated to.

PS: I am an independent but lean toward democrat. However, I do not like to see politic involved in a problem that has nothing to do with politic. Want to talk politic? Create its own post.

I am neither Republican nor Democrat. I am independant. I vote for who I think would be capabled of doing a good job. I don't think I should have introduced my complaint into the politica arena, however I said some things to see what kind of reaction I would get after being attacked several times. My husband has since been called back to work and I start a new job on Monday making pretty damned good money, so my financial picture will brighten. Even if I have to buy another vehicle (my car is one year old, my financial lender for that vehicle pushed back the payment a month to help us) as the title of the repod car was in both of our names, we will be able to pay cash for one after a couple of months. A friend who has multiple vehicles lent us one of hers until we can buy another one.

We are taking a partial settlement for a lawsuit tomorrow evening and our attorney is filing a rather large suit against a medical facility that prescribed a medication to my husband that caused heart failure, and did not give him the warning paper that is required by law to be given with prescriptions that I am sure you are familiar with.  When a pharmacy fills a prescription, they give you a paper with information and includes possible side effects and what to do should you experience any. The doctor denied giving him the meds, but we have the bottle, with the docs name on it. He is ok now, but his heart as a much greater chance of going out of rhythm again as the blood backed up into the chambers and he almost had a massive heart attack because the heart was not pumping the blood as it should. He had to be shocked to get his heart back into rhythm after many days in the ICU. So, we will be able to pay off Carmax, as a matter of fact, I am going to speak with him concerning Carmax and the laws in this state concerning repo and what my rights are under the law.

The creditors that lended us a courtesy will now be paid the full amount on time and in time, our credit rating will improve.

I believe that this young president inherited a mess from George W. Bush that this country may take a long time to get out of. I believe that he is trying to keep people from loosing their homes, and because of him, I was able to refi my home at a lower rate, and remain in it. 

Everyone, have a nice evening, and sing a round of Kumbaya. Oh, and to the gentlemen who was formerly bragging about being in business for himself and was lounging around the pool. I lounged around mine today too. Surfs up.

Barb,
I am sorry that you have had financial difficulties of late. Regrettably though for all of us the bank, creditors, lenders, etc., will not be very sympathetic to your difficulties. In other words (as so many have already commented) a debt is a debt, end of story.

I am confused however as to how Obama entered this picture. I am a Southern Baptist conservative Republican. I am a retired HS Math teacher. My wife is a Black Jewish liberal democrat. My wife is a retired HS Chemistry teacher. We have been married over 40 years and we couldn't be more different. Funny enough though we both read your letter and agreed that debts must be paid.

As far as your political leanings perhaps you ought to look to Mr. Obama and question why you & your unemployed husband could possibly support this president and all of his failed economic policies.

I wish you & your husband better luck in the future and I hope that you will recover financially.

"The consumer had a right to make a complaint"

I agree with that statement. Everyone is entitled to voice his or her opinion. The author posted a Ripoff Report against a company claiming they ripped her off because they were unwilling to alter the terms of a contract. That rip-off claim is not an opinion; it is a false allegation.

"some business owners as well as some financial institutions are insensitive to the consumer"

I agree with that statement. However, insensitivity is not a rip-off. It is highly unlikely the contract included a sensitivity clause.

"firing back to the consumer with things as minute as spelling errors and going way off the track of what this conversation was about in the first place"

After the author lost her case in the court of public opinion she chose to cloud the issue with smoke and mirrors. She claimed to be an English Major, which clearly was untrue due to her poor use of sentence structure (It was not about spelling errors).

I visited a Carmax location several years ago. I found their vehicle pricing to be at least 25% over market value and their interest rates were exorbitant. I determined that wasn't the place for someone (me) with excellent credit and a long job history. I have read many unfavorable reviews of their policies and would not recommend them to anyone. However, they have the right to hold a customer to the terms of a signed agreement.

The term rip-off is defined as a fraud or swindle. The author of this report did not describe the definition of a rip-off.

Your comment appears to be from a levelheaded person that read this report objectively. Welcome aboard.

 Team Rebutt does not care about the reports at all, all the Team is worry about is grammar and left field comments which has nothing to do with the original posts. After a while the original posts get lost in the nonsense from Team Rebutt. Continue to post as you please, Team Rebutt will not win. One member, maybe some more seem to believe name calling with solve problems and belittling people who post with also make the problems clear up. They must have some sort of bylaws for their club. The Team is one of the worst group around. Yep I picking for a fight.

Actually, Barb, you assume people are employees just because you are a loser in an employee mentality.

Robert and I are both business owners. We do not know each other personally, except for being regulars here on ROR for several years.

You callm us idiots, but we are smart enough not to be employees anymore, as that is a losing proposition. You better look in the mirror when you use the term "loser".

As far as my appearance goes, you couldn't be more wrong. Granted, at 49 years old, I don't have the body of a 25 year old, but even as a disabled veteran with 10 years of military service, I can outperform most youngsters, mentally and physically.

I am 6'2" tall (not short), a full dense head of hair that I cut into a flat top (not bald), I don't smoke anything (no cigar), and although I love dogs more than people, I don't "bark", and I'm 265lbs (not fat), just normal for a guy of 49 years old who drinks a few beers only on weekends with my chicken wings and 10 year younger than me girlfriend.

Once more, I don't work for a chemical company.... I own it. Therefore, I will get on the internet whenever I want. And, I don't have any women working for me at the moment, but if any show up looking for work, I would surely hire them as long as they could spell better than you.

>>

Go back to workAUTHOR: Barb -  (United States of America)SUBMITTED: Tuesday, May 29, 2012POSTED: Tuesday, May 29, 2012

Get off the computer and go back to work. You are stealing money from your company by hanging out on the web. No go back to work! I have a job, and I start Monday. I will not be hanging on the web, defending myself against idiots like you. I will be WORKING. By the way, I did rent out my basement, but the person was unreliable and had to be evicted and doubled my electric bill as well. And, I love your sexist remark about me spending money on myself getting my nails done, you sexist pig. When I was LAID OFF, I got rid of any extras, including cable tv. I did everything I could to make ends meet. And, as I've said. I sent them a payment and one more would have brought it current. How many women work for your company? Maybe you should be investigated. Due to your sexist remark about me indulging myself in things such as "getting my nails done" really tells alot about you. I picture a short, fat, bald, beer bellied pig, barking out orders with a cigar hanging out of his mouth. That is if you really work for a chemical company. And where was it again? Sarasota Florida. Go figure.  Lots of Florida people here

>>

Steve, it's obvious to me that Barb forgot to log on as "K Schwartz."    

Robert of Buffalo, New York.  So you and Steve from Southern Chemical Company, 4380 Independence Ct. Unit B Sarasota Florida (941) 312-5085 way down south in the Sunshine State are close and personal friends on a first name basis? Now, how, pray tell, did that happen?

I am not "K Schwartz" but that is the person I was going to quote. The only person on this thread that has tried to make any sense out of this and seems to have read what I had to say without disecting it, commenting on my typing, or referring to me as part of the unwashed masses, that the banker called me.

Thank You, Robert. You're a peach.

Mark,

This site is for posting any rip off, when in fact there was one.

The person who started this thread was in fact the one who actually engaged in a rip off against Carmax when she failed to meet her obligations under the contract she signed.

Carmax DID NOT engage in any rip off against the OP, even thogh she feels that they have.

They have not.

The OP has some sort of entitlement attitude that makes her think that a business should work with her when she cannot make her payments as agreed. That's just nonsense.

A business is in business to make money, not to be a welfare agency for deadbeats.

The OP drove around for FREE for 3 months in the vehicle that Carmax owned.

So, you are saying that they had no right to repo that vehicle even though the OP was in DEFAULT?

Really?

Carmax is a SUBPRIME lender.

They deal ONLY with people who have horrible credit that have already proven they are not financially responsible.

People with cash, or good credit DO NOT shop at Carmax!

Deadbeats shop at Carmax.

So, if you are even considering shopping at Carmax, that just means that your credit sucks too.

Don't act like you have better options, because if you did, you would not even consider Carmax.

FYI...I do not now, nor have I ever worked at Carmax or any affiliated company.

Get off the computer and go back to work. You are stealing money from your company by hanging out on the web. No go back to work! I have a job, and I start Monday. I will not be hanging on the web, defending myself against idiots like you. I will be WORKING. By the way, I did rent out my basement, but the person was unreliable and had to be evicted and doubled my electric bill as well. And, I love your sexist remark about me spending money on myself getting my nails done, you sexist pig. When I was LAID OFF, I got rid of any extras, including cable tv. I did everything I could to make ends meet. And, as I've said. I sent them a payment and one more would have brought it current. How many women work for your company? Maybe you should be investigated. Due to your sexist remark about me indulging myself in things such as "getting my nails done" really tells alot about you. I picture a short, fat, bald, beer bellied pig, barking out orders with a cigar hanging out of his mouth. That is if you really work for a chemical company. And where was it again? Sarasota Florida. Go figure.  Lots of Florida people here.

I've seen many bad reviews concerning Carmax. This is by far the most interesting argument going back and forth that I have seen. I've read many of the complaints against them on this website. What I see going on here is a complaint written by a consumer. The consumer had a right to make a complaint and the people making statements about the complaint have every right to post their opinion as well. I have noticed, however, that all or most of the rebuttals were made by people employed in the financial sector, or a business. There is a "Team Rebutt" that pops up once in awhile too, and I don't know what that is about. It is unfortuneatly obvious, that some business owners as well as some financial institutions are insensitive to the consumer. It is a good thing that there are businesses and financial insititutions that are, in fact, concerned about the people they do businesss with. It seems that everyone involved who either owns a business or works for a financial institution has the time to spend on their computer, reading complaints from consumers and firing back to the consumer with things as minute as spelling errors and going way off the track of what this conversation was about in the first place.

I read one person'a statement who is employed by a financial institution refer to the consumer/consumers, as "unwashed masses." I, would love to know what financial insitution this person is employed by. Their job, would no doubt, be compromised.

I always research the reputation of businesses before I do business with them. I am in the market for a vehicle and there is a Carmax near my home so I decided to research their reputation. I have seen  more complaints against them than any other business I have ever researched. I will not be doing business with them. Not just because I have read this conversation, but other complaints as well. I hope this was helpful.

It appears at first glance that someone is impersonating barb (posting under her name), or she is so batsh*t crazy that she is now talking about herself in the third person!

Steve, it's obvious to me that Barb forgot to log on as "K Schwartz."

Both her and "K Schwartz" keep stating that "everyone" is attacking-simply not true.  I offered information and advice in my first two rebuttals, but alas these fools won't acknowledge that.  It appears to me that our "English major" cannot even determine the source of the rebuttals.  There are TWO Roberts making rebuttals here.  I am not the Robert from Irving and he is not me.

Tell us Barb, did you bother to to follow the link I posted and read the article about repossessions in Maryland?  If Carmax failed to comply with any aspect of Maryland law germane to auto repossessions you very likely can successfully sue them for damages.  I suspect such a lawsuit would be settled out of court very quickly by Carmax.  Have you bothered to consult with an attorney about this?

FYI, if you decide to file for bankruptcy protection you are going to have to obtain credit counseling; something I am more than familiar with.  I suggest you obtain the counseling NOW, even if you don't file for bankruptcy protection.  Credit counseling will educate you and help you avoid this type of problem in the future. 

As to being an English major, I would expect one to have better WORD and VERB USAGE.  I don't pick on spelling errors but grammar and sentence structure are different matters.  All anyone has to do is read Barb's convoluted statement about going to high school, vocational school, and college "all at the same time" to realize this alleged "English major" cannot use written language effectively.  Perhaps we'll see some RipOff reports by Barb about her high school, vocational school, and college.

As to how I spend my time Barbie dear;  when I made the other rebuttal I was lounging by our pool watching my wife and 8 month old grandson playing in the pool.  That's the up side to being self employed; you work when you want and play when you want.  I tried to offer some assistance to you and I got "slapped in the face" for it.  That's OK.  I'm a big boy.

You made your mess dearie, now you get to lay in it.  If that sounds like a "right wing attack" on you, that's YOUR PROBLEM.  You clearly cannot fathom how you've given the world the impression that you're a mean spirited, vile person who cannot and will not accept any statements that don't agree with your perceived victim hood.

You still haven't shown where there is a law that forces them to wait 3 months before repossessing a vehicle.  Have you finally decided to ignore that little fib you made?

P.S.  Do try to remember which log in to use for your next string of nasty rebuttals.

It's GRAMMAR, not "Grammer".

Surely an English major would know that, and it's not a typo, as you put it in two different places.

(ROR even offers a free spell check when you post)

The bottom line here is that you are very confused in regards to reality, and you have tripped yourself up with your multiple lies.

You are functionally illiterate, so it is clear that you never got any kind of degree.

Since you are unemployed, you should not be too busy to try and communicate as the educated professional you claim to be.

And, there was no rip off on the part of Carmax.

They simply enforced their rights under the terms of the contract YOU SIGNED!!

You ripped them off by driving their vehicle around for free for 3 months!

They should file a rip off report against you!

Sorry, once again. I was attemting to quote something from another post and kept getting interrupted and didn't put the quotation down correctly and credit the person who said it.  There goes my grammer again. Keep on hammering away at my typing errors and by all means amuse yourselves. That is what the topic of this thread is for anyway, isn't it? To rip up my grammer and my typing?

It appears at first glance that someone is impersonating barb (posting under her name), or she is so batsh*t crazy that she is now talking about herself in the third person! Look at the first line in the post below where Barb (The OP) talks about herself in the third person!

Update By AuthorDear coastAUTHOR: Barb -  (United States of America)SUBMITTED: Monday, May 28, 2012POSTED: Monday, May 28, 2012

Leave iti alone already, coast. Carmax did the woman wrong. In these posts you call people liars, tear their posts apart. Don't you think I know what you are? As the Outlaw Josey Wales in a previous post gave it away. It clearly indicates that you are on the payroll of a company designed to clean up any complaints that may be damaging to a company. All of these rebuttals from your Team Rebutt, are bullshit. You are the liars. You are online pretending to be consumers. You are not. You are paid advocates representing companies that have bad reputations. You and your friends are so obvious it is laughable. I don't need a dictionary to look up what I know you are,  and if you don't like the way I type, so what. I am not writing a proposal for congress to review, I am, unfortuneatly communicating with an outcast of society. A nerd of sorts, who is angry because of the rejection recieved. When backed into a corner, you lash out at people's grammer, typing ability, and things that have nothing at all to do with the original complaint. The only friends you have are online and you do not intercede with people in person. You are not liked by people, other than cyberfriends, and you do not date, and spend a great deal of time masterbating to porn. Typical nerd.

And, once again, Carmax did not do anyone wrong!!

Why is this so hard for nitwits to comprehend??

The buyer defaulted on the loan, and Carmax excerised their right to secure their collateral, as spelled out in the finance contract!

How is this a ripoff?

The buyer defaulted, AND drove around in the vehicle owned by Carmax for FREE for 3 months!

The buyer engaged in the only rip off here.

No business should be "expected" to "work with you" just because you decide not to honor the contract...for whatever the reason...doesn't matter.

But, I would bet that this OP, (Barb) still paid her cable, etc. along with other non-essentials the whole time she was not paying her car payment.

That is the entitlement attitude I was talking about.

She bragged about a big fancy house....but did she take in a renter to help cover her bills? Why not?

I bet she still had money for all of her "wants" like getting her hair and nails done, etc..but still couldn't make a car payment...because she EXPECTED the finance company to "work with her" because of her entitlement attitude.

You mean you really don't have a p***s hanging under your skirt?

Rip off report busters statement When It Comes your unwanted internet information we not only manage your repartition but We also do Interactively Marketing at the same time for an appropriate affordable price. Ripoffreportbusters.com 's: main focus is to bust, brake and bury Rip Off Reports and Complaintboard.com reports, take off negative feedback on any myspace, facebook, blogs, or parked unwanted website Propaganda. At the same time we are also strengthening your companys page rank and search engine optimization with up to 10 keywords. Rip Off Report Busters bring in new business and new website traffic. We are known for being experienced and professional high-tech team of nerds, geeks and computer gurus who literally eat, sleep and breathe the world wide web. By perfecting this package we make it the most affordable way to beat everyone in the industry for pricing. We have better products, give the most keywords, suppress all the unwanted internet information, and strengthen your companys continuously revenue stream with our famous SEO.Nerds: We are experienced nerds and Gurus that have natural Internet knowledge and we literally live on the World Wide Web 24/7! We are constantly staying up to date and learning about the newest technologies to grow your company! We are now happy to solve all of your Internet needs.

Company based out of Miami Florida.

Leave iti alone already, coast. Carmax did the woman wrong. In these posts you call people liars, tear their posts apart. Don't you think I know what you are? As the Outlaw Josey Wales in a previous post gave it away. It clearly indicates that you are on the payroll of a company designed to clean up any complaints that may be damaging to a company. All of these rebuttals from your Team Rebutt, are bullshit. You are the liars. You are online pretending to be consumers. You are not. You are paid advocates representing companies that have bad reputations. You and your friends are so obvious it is laughable. I don't need a dictionary to look up what I know you are,  and if you don't like the way I type, so what. I am not writing a proposal for congress to review, I am, unfortuneatly communicating with an outcast of society. A nerd of sorts, who is angry because of the rejection recieved. When backed into a corner, you lash out at people's grammer, typing ability, and things that have nothing at all to do with the original complaint. The only friends you have are online and you do not intercede with people in person. You are not liked by people, other than cyberfriends, and you do not date, and spend a great deal of time masterbating to porn. Typical nerd.

The terms you use surely do indicate that you and the rebuttal team certainly know each other. WE. and KEEP US AMUSED...and IT'S A LOOSING BATTLE....It is very interesting that "WE" finds the misfortune of another amusing. I find "WE" very amusing.  

This makes no sense at all.  I have no idea what or who a rebuttal team is and have not communicated or known anyone at all on this website.  Seriously, if you want this to stop; just quit replying.  Until then, you will just be an object of amusement.

Here Ya Go!



Rip off report busters statement When It Comes your unwanted internet information we not only manage your repartition but We also do Interactively Marketing at the same time for an appropriate affordable price.



Ripoffreportbusters.com 's: main focus is to bust, brake and bury Rip Off Reports and Complaintboard.com reports, take off negative feedback on any myspace, facebook, blogs, or parked unwanted website Propaganda. At the same time we are also strengthening your companys page rank and search engine optimization with up to 10 keywords. Rip Off Report Busters bring in new business and new website traffic. We are known for being experienced and professional high-tech team of nerds, geeks and computer gurus who literally eat, sleep and breathe the world wide web. By perfecting this package we make it the most affordable way to beat everyone in the industry for pricing.  We have better products, give the most keywords, suppress all the unwanted internet information, and strengthen your companys continuously revenue stream with our famous SEO.



Nerds: We are experienced nerds and Gurus that have natural Internet knowledge and we literally live on the World Wide Web 24/7! We are constantly staying up to date and learning about the newest technologies to grow your company! We are now happy to solve all of your Internet needs.

The terms you use surely do indicate that you and the rebuttal team certainly know each other. WE. and KEEP US AMUSED...and IT'S A LOOSING BATTLE....It is very interesting that "WE" finds the misfortune of another amusing. I find "WE" very amusing.  

"So, coast, why did you choose to have such a variety of transportation."

I did what I had to do to keep that job and save money to buy a car. Walking and hitchhiking work together. Then I bought a bike. I rode the bike to Albertsons and locked it up there. Then I caught the bus.

"You are a real go getter aren't you, coast."

Yes, thank you.

"Do they call you coast, after the soap because you need to bathe?"

No.

"Creditors in this day and age DO work with their loyal customers who have made timely payments"

Her auto payments were not timely. She was three months delinquent.

"Even college educated people loose their jobs"

lose NOT loose

"wanted to loose their homes?"

lose NOT loose

"WATCH THE NEWS"

Open a dictionary.

You are STILL missing the obvious.

No one is downplaying our economic situation.

It simply doesn't matter.

The fact of the fatter is that this Barb character posted a "rip off" report where no "rip off" existed.It's just that simple, and nothing else matters.

She did not live up to the terms of her finance contract, and the lender, as agreed in that contract decided to repo THEIR collateral in order to cut their losses.

Carmax is a business that caters to people with bad credit.

That is their business.

Carmax did not engage in a rip off.

Barb filed a false complaint against this business.

The only "rip off" here was engaged in by the OP when she decided to drive that car around for free for 3 months while she wasn't making the agreed upon payments!

Empathy, consideration, etc. have no bearing on this situation.

It is a business transaction and nothing more.

One party in that business transaction failed to perform as agreed.

Problem solved.

Get over it.

Ok, these rebuttals keep popping up in my e-mail so I suppose I will respond. Ok coast, I think it was you, who took the time to point out the grammatical errors made by the woman who reported Carmax. This is just the kind of crap I'm talking about. You ran out of things to say about her financial hardship, so you go after her grammer. How nice of you to "overlook" her spelling errors. You are a joke. Your train has jumped the tracks. I believe that this thread is about the unethical treatment of people by Carmax. And how do you know she is not an English major. English majors make typos, mispell words, and misplace commas all the time. That is why writers have the people called "editors." That is why there are people called "proofreaders" for professional writers with English degrees. This is not a college based forum so it is unnecessary to make sure everything is written correctly. The idea is simply to get your point across.  You, once again, are grasping at straws. She wins, you loose. What are you going to do to her next, coast?

I watch Fox news every morning and haven't been to a McDonald's (or any other fast food pit) in 38 years.  Not that it matters (and I'm sure that you will have a comment on this too) but I am a vegetarian.

Had I known you were going to grade my posts, I would have done a better job. NOT! My college English professors have informed me that it is not necessary to watch your p's and q's when communicating in general. See? You attack me once again for my typing and spelling in a vain attempt to prove that you are superior to me in every way. Hey look everybody! She didn't spell that word correctly. You attack my character, my financial hardship, and now my improper use of grammer. Sorry Bub, these posts are not a college essay for you to grade. Please attack me on another level, ok? It just goes to show that you are on the attack for anything you can find, that really doesn't have anything to do with the issue at hand.

I am female, so my wife isn't screwing the pool boy or gardener.  That's my goal once I get a gardener and pool boy!  Anyway, when I first started in the banking industry at age 18, degrees were not required.  I started as a secretary and worked my way up.  I have taken banking specific courses and an currently pursuing my RMA Credit Risk Certified designation.  I have been in banking for 36 years and my experience speaks for itself.  I have been employed with six different banking institutions in 36 years and have never been without employment for longer than 3 months.  The 3 month gap way only because I left my employment in California voluntarily to move to Florida.

Learn to read? I've seen everyone rip this woman's posts to shreds over minor spelling and typorgraphical errors. I've read everyone's posts. Patti? Even college educated people loose their jobs and have problems. Stop watching American Idol and watch CNN for a while. Read a newspaper. Inform yourself. Put down the bon bons and switch your channel to a news channel. Become an informed. Instead of watching soaps, turn on the computer and read the unemployment stats, and the foreclosure rates. Do you suppose those folks wanted to loose their homes? Ever seen a tent city? Do you suppose that the people who lost their homes wanted to? C'mon Patti, get informed. Gain a little insight. You may also find that if you dig deep enough, you will find a shred of empathy for your fellow humans. You may even find yourself buying a dollar hamburger at McDonalds for the banker when his financial insitution fails. Nah, you will just pass him by. It's not your problem, right?

You walked, rode a bike, hitch hiked, rode a bus to work? YOU HAD A JOB. This woman did not have a job so she could ride a bike, hitch hike, take a bus, a plane or a train or a trycycle to work. She said that she called her creditors and they all worked with her until she got out of her financial predicament. Every one of them with the execption of Carmax. So, coast, why did you choose to have such a variety of transportation. Are you fickle? Could not decide which mode of transportation worked for you? Get up in the morning and think, uh, I'll take the bus today...no..I'll walk..no I'll take the bus today..no I'll walk. If your job was withing walking distance, why didn't you walk every day and save the money that it cost to ride the bus? You are a real go getter aren't you, coast. I would never have been back here to respond to this rediculous thread, but there it was in my e-mail. Do they call you coast, after the soap because you need to bathe? You have no common sense at all. Creditors in this day and age DO work with their loyal customers who have made timely payments. From what I can see, she called her creditors and told them of the situation and they were happy to give her temporary relief until she could find employment. They didn't have to do that, but they did. She was not asking for special treatment. It is something that many American's are facing every day in this economy and Maryland has the highest foreclosure rate in the country. It was nice of her creditors to extend that courtesy to her. And I am sure that she is not the only person that has had that courtesy extended. I believe that what she is trying to say, is the fact that if a person has a vehicle financed through Carmax and asks them to extend temporary relief, they are barking up the wrong tree. It is very helpful knowledge to know about their policy as my car if financed through them, and God forbid, if anything should happen to my job, I will know that they will not extend any kind of temporary relief for me. What you and everyone else on this thread is saying is that Carmax was exercising their right under the law to take back her car. But she said she did speak to a customer service rep, he accepted her payment, and she was due to make another one which would have brought her current. They took the car anyway. If you read my thread, I agreed that they were probably operating within their rights under the law, but ethically, no. Sorry, but no. What they did to her was ethically wrong as she was communicating with them and doing everything in her power to bring the payment current. What they did to her was wrong. Period. Contract or no contract, why do you suppose her other creditors extended her a courtesy, including her mortgage institution alloweing her to refi instead of foreclose? Do you think that a mortgage company would have allowed her to refinance her house if she had not been making timely payments in the past? And, do you think that her other creditors would have extended her the courtesy of temporary relief is she had not made timely payments in the past? What is wrong with Carmax? I have researched them extensively and they are a shady company. So go ahead and tear this post to ribbons. I don't care. And a banker laughing her face about her financial situation. That disgusts me. Her financial situation was amusing to him. Disgusting. And he doesn't even have an education. Would you trust your money to a financial institution that hires people without a college education? How do you suppose he made his way up the ladder of success taking care of finances without the benefit of a college education? He says he works for an internation banking company, without benefit of any type of learning institution. Is the bank of Nigeria? Maybe he is the one that spams me all the time and wants my banking information so he can send me millions of dollars.

"I am still layed off"

The term is laid off NOT layed off.

"I don't recommend anyone buying a vehicle from them."

buy NOT buying

"sell it for less than it's value"

It's is a contraction for it has or it is. An English Major knows that its is a possessive pronoun. This is the ultimate proof that you are not an English Major.

"So the credit card issuers usually give you a six month period to lower your payments and pay only the principle"

principal NOT principle

Proper use of principle: Barb's principles entitled her to compare an auto repossession to a miscarriage.

"If not, Prove otherwise"

Prove should not be capitalized.

"every one of my creditor's were willing to adjust things"

creditors NOT creditor's

"Carmax does not have to do anything for it's CUSTOMERS."

Once again you have incorrectly used the contraction it's even though it isn't a possessive pronoun.


I skipped over your spelling errors. You clearly lied about being an English Major. It is apparent that you lied about having great credit because you would have borrowed money to catch-up on your delinquent payments to avoid the repossession.

We all await your response to Ramjet's request for proof that a vehicle loan must be more than three months delinquent before it can be repossessed. You admitted that you were three months behind so is it your claim that they had to wait one more day for it to be over three months delinquent?

Let's just keep this simple.

Rip Off Report is a place to post when you have been ripped off. Right?



Carmax repo'd the car of the OP when the OP failed to make payments as agreed.

Carmax excercised their rights as per the finance contract.

I can't see the rip off here on the part of Carmax.

Carmax did nothing wrong, legally, or ethically.

They are running a business, not a welfare agency.

However, the OP did use that vehicle that belonged to Carmax without making payments as agreed, so therefore, the real ripoff here was perpetrated by the OP against Carmax.

Carmax will get the last laugh though, as they always sue for deficiency when a repo vehicle gets resold at auction.

The OP will get sued for that remaining $2500, plus costs, and a judgement will most likely be obtained and the OP's paycheck will get garnished as soon as she gets back to work, as will her husbands paycheck.

If I were Carmax, I would do it just for spite for the false report being posted here!

Sorry I overlooked that you aren an ignorant uneducated person. I thought by the position you hold that the proprieters of the institution would have you produce credentials. I am a good reader and writer, but have been back to college last year as an English/Science major. When communicating on this type of thing, my professors find it uneccesary to write in MLA format, or ALA, or Chicago, which, as an uneducated person, would not understand. So...you are the sarge in charge, eh? Well, I feel pretty bad when a financial institution hires someone without a college degree. You should try it sometime, when you feel confirdent about yourslef, and your wife isn't banging the Mexican gardner.  OH MY, I have done it again. It is not really too much to get upset about really. I am sure she loves you, and it is only a sex thing with her and the pool boy, oh, I meant to say Jose'.  Once again, you jumped at the opportunity to grasp at an oversight on my behalf. Grab my typos and everthing you have. But, Mr. Popinjay, enjoy my posts. I may be kind enough to sell them to you, either tha or you want a domnitrix to really pump you. You keep coming back for more. I personally would like you to count. X + -9, X=___ answer? Now who would hire a financial advisor who can't even count. Yeah, Counh DeMonet? No, Count de Money.

FYI, as an English major as my second major, I have never received less than 100%  Alzo, in frame, of he late author, Mark Twain. Never argue witrh stupid people. They will drag you down to thier level and beat you at their own game. Think about it. I feel your pain. To walk in the midst of intelligernt folks must be very hare on you.

"the responses on this thread are truly heartless and show the human nature of persons who have never done without."

How about the responses from those of us that have 'done without', but worked hard for years to overcome those hardships and build up our credit? I walked, rode the bus, rode a bike, and hitchhiked to work when I couldn't afford a car. I defeated adversities and paid my bills on time so it irritates me when I read that someone expects special treatment and claims she was ripped off because a lender would not agree to extend the written agreement outside the four corners of a contract.

No, K Schwartz, it is not unethical for a lender to expect a borrower to honor the terms of a signed contract. All parties sign an agreement to verify those parties agree to the terms. Any modifications to the agreement must be agreed to by all parties. Carmax did not agree to modify the contract. It's not that complicated to understand.

I own a car from Carmax and it doesn't run too well. I wanted to see if anyone else had had any problems with this dealership and I found this website. I typed in Carmax and this thread was the first thing I found. I have read every post from the woman who filed the complaint to all of the responses. This woman, apparently has had her share of problems, quite recently, and it appears that she and her husband are responsible people. I am not a bit surpised that she is angry, as the responses on this thread are truly heartless and show the human nature of persons who have never done without. Were you all born with a silver spoon in your mouth? Is it your nature to kick someone when they are down? I myself have financed through dealerships as they offer it to you, usually with a ten percent or so down payment. It is a shame that most working people can't just take a day off and go shopping for a loan. It is also a shame that we all can't be rich bankers, trouncing about bragging about their good fortune without a proper education. You did not get lucky. You cut throats and kissed booty on your way up. Face it, without a proper education, you should not be in your position unless you need to be surgically removed from your boss's behind.

I especially want to thank that banker for his post. It really tells people what the banks, that were bailed out by the government, paid for by the people, really feel about people. They are amused by this woman's financial hardship. Every single one of you deserved every thing she said. I don't blame her one bit. Good Lord, some of even made an issue out of one of her typographical errors. What kind of stuff is that? She even clarified that it was a typo, yet some of you went marching on, grasping at straws to get to her throat.  

And, Mr. Work for the Bank, if it wasn't for the government bailout, that nice house of yours that was paid off in five years would have been sold just to pay the taxes on it. I am sure you are proud of your job, and how you somehow managed to kiss your way up the ladder of success, being a highly uneducated individual, should be sent somewhere for some sensitivity training. 

I know the world is a rough place. I work in it and live in it every day of my life. I've seen the good and the bad, and the ugly, as the so called Team Rebutt uses Clint Eastwood as it's logo, which is, a copyright infringement. In every one of these rebuttals, not a kind word was said to her. Time to get a bike, was a response. I will tell you, time to get a life. I will never deal with Carmax again and I would not recommend it to anyone else. Was Carmax operating withing the law, probably. Was it ethically wrong, after she spoke to their customer service and sent them money with a promise to send more in a couple of weeks? You bet it was. And there is nobody on this thread besides me and that other woman that understands how important it is for a successful business to maintain good eithics with thier customers. Word travels fast.

As long as you want to keep the crowd amused, please feel free.  Really, it's a losing battle on your part.

Feel free to share my comments about the "unfeeling" and "uncaring" banking industry.  #1)  No we really don't care about the unwashed masses, such as you; and #2)  I work for a foreign based bank that never received any bail out funds.  

That may be the first step to gaining financial freedom>

 I am happy that you have had the benefit of college. 

I said that I only had a high school education and did NOT have the benefit of college.  So by having a college education, you should be one step ahead of me, shouldn't you?

I am happy that you find my situation amusing. I am going to copy and paste that and show people just exactly what banking people really think. I am happy that you have had the benefit of college. I also too have had the benefit of college and trade school as well and bought my first home when I was 18, after working two part time jobs and going to high school, trade school, and college at the same time. I am happy that you are a big banker and when things happen to consumers, it amuses you.

When I purchased the car from Carmax, I financed it at their request with a hefty down payment to keep my payments low.  My Chevy Blazer I paid for with cash. So, amuse yourself.  And I do not have to stop responding as long as your rebuttals keep showing up in my e-mail. Banks should have never been bailed out and you will fail again. Donald Trump was right. You should have been forced for file Chapter 13.

Barb Havent you figured out by now that until you stop replying here that no one is going to leave you alone?  You are amusement for people (including me!!).  Actually, please keep replying. They cancelled Desperate Housewives and our BBQ  got rained out by TS Beryl.

 I had A1 credit and always had timely payments.  And Im sure that is why you had to finance your car with Carmax.  As others have mentioned, they are a subprime lender and subprime lenders do not usually work with people.  The people that are forced to work with subprime lenders have already proved their creditworthiness.

If youve been working for 33 years, then Im probably around your age. I am 54.  I only have a high school education.  I never had the benefit of college.  So anyway..today, I am a Vice President of an international banking institution.  I am a credit risk manager, specifically.  Lucky, no.  I worked my way up.

Im sure you dont care and will have some harsh words to say that leave nothing to the imagination, but I own my home free and clear (paid it off in 5 years), I bought my 2010 car with cash (on 12/31/09), owe no credit card bills or any other debt. In addition, I have a very nice retirement savings.  I realize that not everyone can do this, but I am proud of what I have accomplished.

Let's disect your lies...

In your original post, you said that you were paying on the Carmax loan for 6 years, which means that your credit was NOT "A1" as you put it until "Autumn 2011", or you would not have dealt with them in the first place. People only deal with Carmax when their credit is crap. NOBODY with good credit deals with Carmax. This is a fact, and just common sense, so please don't insult my intelligence.

Second, there is no such thing as "A1" credit. Personal credit is rated by a "score" which is numerical, and generally has a range between 300 and 850. There is no such thing as an "A1" rating.

Furthermore, I am not a company. I am an individual who owns a company. And, I will never pay for your healthcare, guranteed, because I play the same loopholes as the rich, so I will never pay taxes, legally.

The bottom line here is that your credit has been crap since at least 2005, otherwise you would have not been dealing with a company like Carmax who deals exclusively in the sub-prime market.

Furthermore, you should go back to the third grade and learn proper word use, spelling, etc. You are not nearly as smart as you think you are, and I can see right through a liar.

And, you certainly do have an entitlement attitude, whether you realize it or not. I can spot an Obama follower a mile away.

Loser.

>>

Dear Southern Chemical COMPANY. You are a company and not an individual.  I have worked for the last 33 years of my life and earned everything I own. Only in the Autumn of 2011 I hit a rough patch in my finances. You do not know me personally, so please, do not insult my integrity. Once again, ONCE AGAIN, my other creditors stood by me because I had A1 credit and always had timely payments. ONCE AGAIN, Carmax was unwilling to work with me. And yes, "work with me is my way of saying HELP HELP HELP, my husband and I are without jobs. AND my other creditors appreciated that I called them and spoke with them about the situation. And no, Carmax does not have to do anything for it's CUSTOMERS. I get it? ok? A sense of entitlement. What a joke. You do not even know me or my history and responsibilities that I have lived up to, yet you are judging me and saying I have a sense of entitlement. Go to hell. And have a nice holiday. I have spoke with others in the same situation. Fortuneatly, they didn't have their car financed through Carmax. And, I was told by other individuals that their creditors worked with them as well. Now that I am gainfully employed, I am sure that my other creditors are glad they worked with me and now will be getting their full payments. Carmax can shove that car right up their a*s. Yes, I get it, Carmax does not have to work with anyone. That is the rule that they live by and it is one word that I will spread from here to Kingdom Come. Oh, and, go back to your cookout. A friend of ours just gave us an extra car to use. Know why? Because we are untrustworty dregs of society. We are irresponsible and everyone hates us. That is why a friend lent us a vehicle so both me and my husband can get to work. We are just bad people, with a sense of entitlement. We can't wait for universal healthcare, so you will be paying for my healthcare. Thank you, in advance.

>>

Dear Southern Chemical COMPANY. You are a company and not an individual.  I have worked for the last 33 years of my life and earned everything I own. Only in the Autumn of 2011 I hit a rough patch in my finances. You do not know me personally, so please, do not insult my integrity. Once again, ONCE AGAIN, my other creditors stood by me because I had A1 credit and always had timely payments. ONCE AGAIN, Carmax was unwilling to work with me. And yes, "work with me is my way of saying HELP HELP HELP, my husband and I are without jobs. AND my other creditors appreciated that I called them and spoke with them about the situation. And no, Carmax does not have to do anything for it's CUSTOMERS. I get it? ok? A sense of entitlement. What a joke. You do not even know me or my history and responsibilities that I have lived up to, yet you are judging me and saying I have a sense of entitlement. Go to hell. And have a nice holiday. I have spoke with others in the same situation. Fortuneatly, they didn't have their car financed through Carmax. And, I was told by other individuals that their creditors worked with them as well. Now that I am gainfully employed, I am sure that my other creditors are glad they worked with me and now will be getting their full payments. Carmax can shove that car right up their a*s. Yes, I get it, Carmax does not have to work with anyone. That is the rule that they live by and it is one word that I will spread from here to Kingdom Come. Oh, and, go back to your cookout. A friend of ours just gave us an extra car to use. Know why? Because we are untrustworty dregs of society. We are irresponsible and everyone hates us. That is why a friend lent us a vehicle so both me and my husband can get to work. We are just bad people, with a sense of entitlement. We can't wait for universal healthcare, so you will be paying for my healthcare. Thank you, in advance.

Dear Southern Chemical COMPANY. You are a company and not an individual.  I have worked for the last 33 years of my life and earned everything I own. Only in the Autumn of 2011 I hit a rough patch in my finances. You do not know me personally, so please, do not insult my integrity. Once again, ONCE AGAIN, my other creditors stood by me because I had A1 credit and always had timely payments. ONCE AGAIN, Carmax was unwilling to work with me. And yes, "work with me is my way of saying HELP HELP HELP, my husband and I are without jobs. AND my other creditors appreciated that I called them and spoke with them about the situation. And no, Carmax does not have to do anything for it's CUSTOMERS. I get it? ok? A sense of entitlement. What a joke. You do not even know me or my history and responsibilities that I have lived up to, yet you are judging me and saying I have a sense of entitlement. Go to hell. And have a nice holiday. I have spoke with others in the same situation. Fortuneatly, they didn't have their car financed through Carmax. And, I was told by other individuals that their creditors worked with them as well. Now that I am gainfully employed, I am sure that my other creditors are glad they worked with me and now will be getting their full payments. Carmax can shove that car right up their a*s. Yes, I get it, Carmax does not have to work with anyone. That is the rule that they live by and it is one word that I will spread from here to Kingdom Come. Oh, and, go back to your cookout. A friend of ours just gave us an extra car to use. Know why? Because we are untrustworty dregs of society. We are irresponsible and everyone hates us. That is why a friend lent us a vehicle so both me and my husband can get to work. We are just bad people, with a sense of entitlement. We can't wait for universal healthcare, so you will be paying for my healthcare. Thank you, in advance.

Barb,

I know it sucks to lose something you need, especially after paying on it for so long, and almost owning it.

That is unfortunate.

HOWEVER....you have this very strong entitlement attitude that is just plain wrong.

Carmax is a BUSINESS, not a welfare agency. They are in business to make money, and your problems are not their problems.

You obviously bought a vehicle you could not afford. You stated that both you and your husband were working and got "layed off" . Well, IF you were living within your means, you would have had savings to cover those car payments. What about unemployment compensation? What about managing your priorities?

And, why were you dealing with Carmax in the first place? Just the fact that you had to deal with Carmax, tells us that you have a pattern of financial irresponsibility in your life, as they are hard core subprime "second chance" car dealers/lenders.

You actually engaged in a rip off against Carmax as you expected to be able to drive THEIR car for FREE, just because you were irresponsible!

Why do you feel that Carmax was obligated to "work with you"?

That expectation was simply unreasonable.

Lose the welfare mentality.

You are entitled to NOTHING.

Get over it.

Time to invest in a bicycle and/or a bus pass.

Owning a car is NOT a "right".

No. I am not delusional. I just can't stand the ultra right wing mentality, which caused this country to be in the mess it is in. Fortuneatly, my dear Team Rebutt, or may I just call you Butt, as a term of endearment. You do nothing besides get online and laugh in the face of persons who have been mistreated by businesses. Anyway, Butt, I am now gainfully employed, and as my financial picture brightens, I'll be thinking about you hanging out online and making people feel even more miserable in their individual situations. I am not, by nature and angry person at all. So feel free, as you always do, to cut my posts to ribbons. I don't care. Anyone with an ounce of common sense knows what you are doing and why. By the way, do you still have all your teeth Butt? You are safe as long as you only exist online, but Butt, if you attack people in the real world, the way you do on this one, some day you will cross the wrong person Butt,  and that will be it. I suspect, but have no proof, that are you what society refers to a nerd that has been outcasted by everyone that you sought to be like and are indulging yourself in the misfortune of others. You know, the people that rejected you. Have a nice holiday, Butt. I am going to enjoy myself and celebrate my new employment. You stay on your computer, all lonely, Butt, over this holiday. And do what comforts you best. Now I will go and get the food ready for the grill, and take a dip in my inground pool and wait for my guests to arrive.

 Stacie , you and Team Rebutt are so far off in left field it's not funny. Why why must Team Rebutt tear into every report with a fine tooth comb???? This has never been explained. And when Team Rebutt is attacked the team cries like little babies, oops I did like Kimmie and called the Team name. Strange how name calling still does not solve the problem. I will give it a rest when Team Rebutt rests, til then I came to live in peace or reply to every rebuttal I can. Either way I am here to stay. 

You let someone you don't even know piss you off. It's awful when people do things to other people that is hurtful, isn't it? It's aweful when someone has a great job one day and is on unemployment the next, isn't it? Yes, I said those things and got a reaction from you because you didn't like it. Now you know how it feels when someone does something like that.

Are you delusional?  You didn't make me angry at all and nothing in my posts (rebuttals 21 and 26) indicate anger.  In #21 I corrected your misinformation and in #26 I provided MORE helpful information. 

Now that I am a wretched person, you should do the moral thing and say a prayer for my soul. But you will not, because I deliberatly said things to piss you off.

I didn't get angry at all.  Actually, I feel pity towards you.  You are correct that I will not pray for you, but not for the reason you state.  I won't pray for you because I don't believe in your "god."  My way of helping folks is to take action or provide information; not lighting candles, waving incense, and rocking on my heels while chanting.

 Once again....I was warning consumers about Carmax's ethics concerning working with their customers in this tough economic time. And all I got back from the extreme right wing is how I didn't do my part in a financial agreement.

I must have missed the part where I told you you didn't do your part.  Kindly point out where I told you this.

And, I was told to stop complaining. HA. Isn't that what this site is designed for?

Not by me.  You're so wrapped up in yourself and your problems that your anger and hatred of others completely blinds you to any assistance offered.  Hopefully you will follow some of the advice I offered you-it will help you in the future.

Pitiful, just plain pitiful.

Thank you for letting me get under your skin. Did I strike a nerve? Comparing a repo to an unborn child. Wow. No I am not trash. Abortion is legal. I am a against it, but it is legal. So why don't you go and pull your head out of your ultra right wing political a*s and go and fight for the rights of the unborn? You haven't done so, have you? No, I am not trash, I assure you. But you will be when the wheel of Karma turns on you for your bad choices in life that do not involve politics. So go and throw some steaks on the grill and have a nice holiday. Unless you can provide me with proof that you have protested against abortion, your words mean nothing. Get off of the golf course, and pick up a sign and go to your nearest abortion clinic, and let them know how you really feel. You won't. Your time is worth money and your maincure is very important to you. You dress up for work everyday, and wear a suit and tie. And, you spend way too much time on the web arguing with a person who does not care about what you think at all. You most likely have a very small p***s and are uptight about it. Probably got teased alot by the guys in the locker room at high school. Sorry Bub, I have no mercy for you. You need to know what it is like to have somebody or something get under your skin. Thank you for the opportunity. I hope it has been a good learning experience for you. This is the last lesson you will get. If you come back for more, you need to go and see what a domintrix can do for you. And you think I'm trash. You don't know when to shut up and walk away. You are a lowlife.

Comparing an unborn child to a repoed car.  You are not only trash but a disgusting individual.  What next - are you going to wish AIDS or Cancer on someone who has the audacity to make a comment?? YOU broke the contract - you did not make good on the payments therefore your car was repoed.

Good luck to you - with your attitude you are gonna need it.

Yes. I got a rise out of you. You didn't like my comments and that is what it was designed to do. You let someone you don't even know piss you off. It's awful when people do things to other people that is hurtful, isn't it? It's aweful when someone has a great job one day and is on unemployment the next, isn't it? Yes, I said those things and got a reaction from you because you didn't like it. Now you know how it feels when someone does something like that. Now that I am a wretched person, you should do the moral thing and say a prayer for my soul. But you will not, because I deliberatly said things to piss you off. Once again....I was warning consumers about Carmax's ethics concerning working with their customers in this tough economic time. And all I got back from the extreme right wing is how I didn't do my part in a financial agreement. I did the responsible thing. I phoned my creditors. And once again, they all were willing to help except Carmax. Why does anyone suppose that every one of my creditor's were willing to adjust things temporarily and Carmax was not? I have another car financed and they were helpful. Do you know why they were helpful? Because I always made my payments on time, as I did with Carmax. And, I was told to stop complaining. HA. Isn't that what this site is designed for?

"I hope someone in your family has a miscarriage"

What kind of person would hope for a horrendous tragedy of that magnitude upon a family? That deplorable statement displays your true colors.

Take a deep breath, relax, and re-read rebuttal # 21.  I gave you factual information that will help you and others in the future.  I do not work for anyone (self-employed) and I perform voluntary credit counseling through my sisters church (certified with the National Association of Certified Credit Counselors.)

Here is a helpful article about vehicle repossessions in Maryland:  http://www.ehow.com/list_7324094_car-repossession-laws-maryland.html

If they violated Maryland laws, you probably have a cause of action to sue them.  I suggest you consult with a competent attorney immediately.  I would also suggest to you that you contact a non-profit credit counseling service in your area-they can assist you and educate you so that you may avoid these types of pitfalls in the future.

I hope one day, somebody pisses on your in the gutter. It will happen. It will and I have willed it to be so.

I guess you didnt read my rebuttal (#21.)  If you did read it, then youre just another fool who gets too emotional when folks dont agree with you to recognize helpful advice.  You used CarMax as your lender; this indicates that you had credit issues BEFORE you purchased the car.  Heres more free advice for the future:  NEVER, ever use dealer financing for vehicle purchases.

Do you understand the problems with unemployment in this country and the illegals that are driving the wages we make either part time or full time down?

Do YOU know that we have minimum wage laws?  Do you know how to report employers who violate these laws? 

I hope you find yourself in the gutter and have to w***e your mother out to eat a hambuger. I would not wish that on anyone, but I would LOVE to honor my contracts.

 Now go and finger yourself and think about your right wing candadates. I am sick of this conversation and I think it comes from the proprieters of the website. This website will be reported as one that the proprieters theroff are part of the ultra right wing class that doesn't give a d**n about people. I hope someone in your family has a miscarriage and you have to suffer to know what it is like. I really do. Humans like you have never had to scrape for anything. Are you weened off of your  mother's titties yet?

Wow!  Youre just full of love and peace, arent you?  You do not have a monopoly on financial hardships-been there, done that.  I spent 20 years in the USAF (MSgt), got divorced in 1978 and had to pay off THREE law firms and went to Consumer Credit Counselors of Sacramento for help-been helping others ever since.  During the first three years of my divorce, life was very difficult but I never displayed the hate and ill will against folks with different views as you have done here.

With all your hate filled postings and poor use of language, I ask myself what type of person wishes ill upon others?

Thank God for President Obama.

That explains it.  I am not surprised. Please tell me, what has Obama done that is GOOD for you?

So now that you've had your silly tantrum, please post the law that says they can't repossess your car until the loan is 3 months over due.

You're response is laughable.  

What planet do you live on? Do you understand the problems with unemployment in this country and the illegals that are driving the wages we make either part time or full time down? I hope you find yourself in the gutter and have to w***e your mother out to eat a hambuger. I would not wish that on anyone, but I would LOVE to honor my contracts. Perhaps you missed the part about me calling my creditors and reporting to them about the situation. Thank God for President Obama. Now go and finger yourself and think about your right wing candadates. I am sick of this conversation and I think it comes from the proprieters of the website. This website will be reported as one that the proprieters theroff are part of the ultra right wing class that doesn't give a d**n about people. I hope someone in your family has a miscarriage and you have to suffer to know what it is like. I really do. Humans like you have never had to scrape for anything. Are you weened off of your  mother's titties yet?

Ok, it isi obvious that you have a network of people who file rebuttals on behalf of businesses. Ok, Team Re-Butt. if you like Carmax so bad, take a Southwest to BWI and go to Carmax and ask the manager to drop his drawers so you can stick you nose in his butt and give it the best French Kiss you can think of. Be sure to let me know when you do this, as I would like media coverage, as well as my own personal footage. And, you are paid to do this. If not, Prove otherwise, like telling me where you work, and where your wife works, and where your kids go to school. That would prove that you are a real person. You are a nothing but a bunch of ultra right wing republicans. I hope one day, somebody pisses on your in the gutter. It will happen. It will and I have willed it to be so. Happy for now, think of me when you fall.

 I would listen to Bobby, he knows everything

That is what the late charge is for on the payment book.

No it isn't.  The late charge or the "pay this amount after xx date" is an ADMINISTRATIVE LATE FEE and is a flat rate.  It is not applied to the loan balance in any way and it in no way will prevent a repossession.

Additionally, almost all auto loans are "simple interest" loans.  What this means is when you are late with a payment, the creditor will assess ADDITIONAL INTEREST on the balance of the loan and add it to the principal.  Folks who pay even one payment late can be in for a rude surprise when they think they have paid off the loan-in reality the loan is not paid off because of the added interest.  Being late with payments early in the loan has a greater effect on the balance than being late during the ending of the loan.

Example:  loan for 60 months at $300 per month.  On months   8, 22, and 47 you pay 5 days late.  You pay the administrative late fee as stated in your payment book stubs.  After you make payment #60 you think the loan is paid and demand the title/release letter but the creditor tells you that you still owe about XXX dollars due to late payments.  The reality is that there is still a balance remaining on the loan.  Many folks get caught by this.

The way to avoid this rude surprise is to contact the creditor and ask how much you need to pay, INCLUDING ADDITIONAL INTEREST, to make up for the late payment and keep the loan "on schedule."  ALL banks will tell you a figure (required by Federal and State statutes), you pay the figure as arranged, and when payment #60 is made, voila, the loan is indeed paid off.

Kindly tell me what law states that you have to be 3 months late for the creditor to repossess.  Here in NY State, ONE DAY is enough if the creditor wishes to push it through.  Most won't repo it this quickly unless you have a track record of being late or skipping payments.

You're getting more and more foolish! A payment is due when it is due. One minute into the day after the payment is due, it is LATE! A repo is a possibility anytime the payment is LATE be it one day or 90 days. They were more than gracious with you...allowing you to string them along as long as you did. It is to their benefit to not do a repo but whenever they feel the security for the loan is in jeopardy, a repo is ordered. They trusted you for 90 days. They indeed were very, very kind to you for allowing you all that slack. Most repo actions would have started long before that.

They legally cannot repo a car until it is over 3 months overdue
- But that comment is so out there I had to let you know you are 100% wrong.  If you truly believe this, I can see why you had issues.  But of course if you want to prove me wrong please post the specific law you are referring to that makes it illegal to repossess a car before you are 3 months late.

Are you sure your name is not Sharon?

They legally cannot repo a car until it is over 3 months overdue. They don't have a hit squad out and hit the repo button if you are a day late. That is what the late charge is for on the payment book. But you are correct. The customer service rep took my money which would have brought the payment close to being current and then the took the car. I am just saying what they did IS unethical and in a time of financial turmoil in this country every single creditor I owe appreciated the fact that I called them and told them what was going on and they were only too glad to help. They would rather get something than nothing, and most people, when they hit a bad financial crunch in their lives, do recover from it, and they know it. So the credit card issuers usually give you a six month period to lower your payments and pay only the principle, to get your total amount owed down, and then you resume normal payments. I am just warning people that Carmax will not help you if you find yourself laid off. Nobody wants to NOT make their payments as it hurts their credit. Plus, if you ahve a husband and wife laid off at the same time, how are they going to go out and work 3 part time jobs when there is a family to take care of. That was a rediculous suggestion, and the person who suggested it has probably never hit a bad financial pinch in his or her life. Besides, part time jobs are rare where I live as well. They are mostly taken up by high school kids making minimum wage. It's not like you can go knocking on doors and filling out applications anymore. It all must be done online. I have excellent credentials and references and am willing to work any shift with overtime. The unemployment rate in Maryland is over 8 percent. I have several job search engines that send me updates and jobs that have been posted and I apply for everything that I qualify to do. It also gives me the stats on how many people are applying. Sometimes as many as 3 to 400 persons are applying for the same job.  

There is one point I agree that the creditor exploited on the OP is when the OP called and was told that it would be OK to send money 2 weeks later in order to catch up with all the payment, but they repossessed the car right after they got the money. They could do this because it is legal and this is very unethical. If they wanted to repo the car in the first place, they should have done that before they got the money.

However, the rest of the report points could be avoided if the OP followed the contract. What if the company repo the car on the first day the OP missed the payment, the story on here would be a bit different but that is still the OP's false -- not be able to make a payment on time regarding the contract. The expectation that everyone whom the OP owed to must help the OP is NOT valid. Is it a bad business practice for the creditor? May be but not necessary to be true. The thing is that the OP/borrower has already had the good; whereas, the creditor is out of money. Regardless the total amount of payment up to the date it is repo, the amount agreed in the contract is the expected amount that the OP agreed to pay in the first place. If the OP breeched the contract first, the OP MUST NOT and CANNOT expect a solution which would favor the OP.

How dare you accuse me of not wanting to work? You do not know me. How dare you? You don't know me, my life situation, or anything. This is a webpage designed to file reports on business. I'd like to see you orchestrate working 3 part time jobs and squeezing them into an 8 hour shift. Where do you work? You will not say. Does your mommy know your are on the computer? Or does your boss? Or is it your job to just sit at your desk and write these things? There are bad things coming your way. And when they happen, I want you to think of me.  

The figures I quoted regarding $8 per hour compensation for a part time job were based on just working two eight hour shifts per week, for a total of just 16 hours per week...well within a reasonable expectation but only available to someone who wants to work, wants to resolve a problem and would rather take initiative rather than wallow in the sewer pipes of complaining.

All thru this exchange your case has been, they have been unwilling to "work" with you which in your opinion means they should have been more understanding and given you a chance to get current. In your latest submission, you admit you were NINETY days late when you made the large payment. Ninety days! All thru those NINETY days they could have picked up the car instead, they were patient, trusting, gracious and forgiving. During, that NINETY days you were stringing them along but still they gave you a chance! Ninety days...thats about twelve weeks. Lets say we consider it eleven weeks. During that eleven week period you or your husband could have taken a part time job. At just eight bucks per hour, the gross would be 128 and assuming 20% in deductions, about 102. For the entire eleven weeks that comes out to $1126 which is more than enough to have paid them!!! You made repeated references to a husband who also works which is an open admission you are BOTH able bodied. One of you could have worked while the other stayed home with the kids. However, by your own admission, this is below your dignity. As your positions continue to be destroyed you continue to offer ZERO in the form of an intelligent rebuttle instead opting for more childish foolish rants. I feel sorry for your husband.

 If you read the entire post, it says it was financed for 5 years.

 They now expect us to pay for a vehicle that would have been paid off in one year. It was financed for 6 years. We paid for that vehicle for 6 years with 1 to go and they would not work with us.

I think there is someone else that should reread the entire post.

Who said that? Yes, we had 1 year left to pay the vehicle off. So what makes better sense? Repo or work with the customer? When my husband and I were both laid off at the same time, sounds like you have never been laid off in your life, we immediately did the responsible thing and called our creditors. They either dropped their rates for a 6 month period of time, and in the case of my mortage, dropped the rate permanently and we refinanced. When calling Carmax and asking for a temporary interest rate drop to make the car payment smaller until we were either A) called back to work, or B) found a new employer. We were both called back to work, and then I was laid off again. I can't go out and work 2 or 3 part time jobs for minimum wage. I have children to raise. How could I pay for their care and be here to raise them? Yeah, I know, it's not Carmax's problem. You sound like an ultra right wing republican. We never asked to be laid off. My husband has been at the same job for 15 years. I work in the defense and aerospace industry and I never expected a layoff either. Not two of them in 3 months. I have always had steady employment. So, what do you do for a living that allows you to spend so much time on the computer everyday, writing rebuttals to my complaint? Does your boss know you are using valuable company time? I am online sending out resumes every single day and hoping to hear from prosepective employers, which I have. And...along with that, your rebuttals. Thanks for your opinion, now go and get your manicure.

 Of course Team Rebutt knows about car finances, they know everything 

Again no one here works for CarMax and while I really don't want to speak for anyone else.  You can just about guarantee that regardless of the company name posted the same people would be saying pretty much the same thing.

Now, it's good that every other one of your creditors worked with you, but that does not make a creditor who doesn't a RipOff.   With the exception of your Mortgage were any of your other creditors "secured" debts?  How delinquent were you with them?  How much did you owe?  Were any of them already with Collection Agencies?  All of that makes a difference in how willing they are to work with you.  With CarMax did you have a perfect history up until 3 months ago when all of the sudden you just stopped paying them, or over time did you just become more delinquent?  Just like the other factors determine if a creditor will work with you, this information could determine if a creditor is not willing to work with you.

You say you understand that they did exactly what they are allowed to do, and that you understand that you made an agreement to allow them to do this.  But when they actually tried to hold you to your agreement you are calling foul.  You don't get to have it both ways.

By the way if you really think CarMax was evil, just wait until you start reading reports on the lenders you will be stuck with since you now have a Repo on your Credit Report.

I spoke with them and sent them a large amount of money. The payment was only 3 months behind, and I told them that I would be sending in extra money to get the payment back up being on time. I made a large payment toward the amount owed and promised to make another payment in two weeks. That would have brought it current. They accepted my money, and then took the vehicle. That is what I meant by working with me. Allowing me to pay them extra money until it was current. They wanted ALL the money, which I did not have and would not have for another couple of weeks. Had they allowed me to do this, the payments would have been current and back on track. The customer service rep lied to me and told me that they would not repo the car.

Ok, thanks for the comment on my typographical error. If you read the entire post, it says it was financed for 5 years. I don't care what you say, ALL creditors have worked with us and Carmax would not. They are not my priest, they are evil. Just read what others say about them. You are fighting too hard for Carmax without looking at the big picture which leads me to believe that you work for them. I have never seen anybody fight so hard for a company than you. I hope that Carmax is paying you well,  and I think you deserve a raise for the beloved things you say about them. You defend them like they are your mommy. Sorry Bub, but it is bad business practice. I said they don't have to be nice, but you keep defending them. No they don't have to be nice once again. Did you get that? I'll say it again. They don't have to be nice. But every single creditor has worked with us including the mortgage company. So what is wrong with Carmax? Don't they care about their customers? By the way, how much are they paying you? And don't hand me that crap about contractural agreements. You seem to have some expertise, Carmax employee. All of my financial obligations are contractural, you idiot, but all of them work with their customers because they care about their customers and do not want to get a bad name.

I strongly suspect, but have no way of knowing, that the rebuttal was made by Carmax. Most people in this high unemployment environment that our country is suffering from is well aware of the struggle to stay
employed
- The standard response when someone doesn't like what is said.  Well if you even took a look around this site you would see how silly your claim is.  Between me, Jim and Flynnrider I think we have been accused off working for several dozen different companies.  Which is sort of ironic if you really think that is true because you can't even find one to earn some extra money to make your payments.

They are the only and only creditors who do not care about their customers.
- Sorry but that is BS.  I can guarantee you if you did even a minor search you would see people complaining about how creditors that worked with you were the only one's who didn't work with them.  By the way you are not a customer..you are a debtor who didn't fulfill the legal agreement you signed with them.

I have tweeted this, and I also own my own domain website
- But again you can't seem to find the time to search for another job.  Even if it is flipping burgers at your local fast food joint or cleaning restrooms at the local bus station.

Carmax actually thinks I am going to pay for a car that they repod. I will file for bankruptcy before they get a cent out of me. Bye.
- I have a surprise for you.  Even if you file for Bankruptcy you may still have to pay them back.  Because you see it is not you who gets to decide about your Bankruptcy, it is the Federal Bankruptcy Court.  If they determine you make enough money to pay off your debts they will either dismiss your BK or they will put you in a Chapter 13 which means you must make payments toward your debts for 3-5 years.  Oh and you also don't get to pick and choose what creditors will go under the BK, ALL of your creditors will be included.  Yes even the ones that worked with you.


By the way you never really mentioned exactly how you wanted Carmax to "work" with you?  And is this a case of them truly not willing to work with you, or a case where you didn't like what they suggested.

"all of the interst as well as the principle was paid"

The interest (NOT interst) and principal (NOT principle) have not been paid. That's why the car was repossessed.

"However, that is not the sign of a good business and consumers should be aware of their business practices."

It is a sign of good business. It is a deterrent to others (such as you) that expect to receive special treatment.

"They are a ripoff."

No, you are the offender. You failed to honor an agreement. You were not ripped off. You will continue to have lousy credit and high interest rates (if you can even get financing over the next ten years) until you change your attitude (and pay your bills).

I strongly suspect, but have no way of knowing, that the rebuttal was made by Carmax. Most people in this high unemployment environment that our country is suffering from is well aware of the struggle to stay employed. As I have said earlier, NO, you are right, Carmax certainly has the right, under the law, to not be so nice to the persons who have bought vehicles from them. They have every right, under the law, to repo a car when it was financed through CARMAX for 6 years, when the person who financed it was going through what most of this country is, financial hardship, and after all of the interst as well as the principle was paid, the car was paid for, technically. They just do not care. They are the only and only creditors who do not care about their customers. Just look at the complaints against them. They are a ripoff. They could have worked with us, but they did not care at all. Don't deal with them. They are a ripofff. I would like the person who wrote the rebuttal to identify themselves, and where they work? Will you do that, Carmax employee? I have tweeted this, and I also own my own domain website. While this country is in financial trouble, Carmax actually thinks I am going to pay for a car that they repod. I will file for bankruptcy before they get a cent out of me. Bye.

  On this site it's clear that "work with us" is just another way of saying that you cannot meet your obligations and you expect the lender to accept what you offer.    You should not expect Carmax to roll over as easily as your other creditors.   They're subprime lenders, so they already expect that a fair percentage of their customers are not going to pay as promised.   As subprime lenders they cannot afford to accept default (a.k.a. work with us) from their customers that didn't pay.  They'd be broke in a month.  What they do is to collect the collateral that secured the loan in order to cut their losses.   When you borrow from a subprime lender, it is considered a second chance.  When you don't pay, you shouldn't automatically expect a third chance.   The lower you scrape the lender barrel, the less tolerant they are about default. 

First you say you financed it for 6 years. Then you say you paid for 6 years and have one more to go. Then later you say you've been paying for 5 years. Interesting. Then you seem to be hinting at some sort of impropriety because they are holding you to contract terms which YOU agreed to. When there is a repo, the balance DOES NOT magically disappear. You are on the hook for the full contracted amount whether or not you have the car. This is standard procedure and is not in any way, shape, form or regard illegal, unethical or improper. You are doing business with them for one thing and one thing alone...THEIR MONEY. You did not hire them to be your financial advisor, your priest, your rabbi, your minister, your social worker, your friend or your mother. You wanted their money and they assumed you were big enough and mature enough to know that money needs to be paid back with each and every payment on time, every time. To far too many people who don't pay their bills on time, the phrase "work with us" means they are going to sit back and do nothing when payments don't come as promised. Sorry, finance doesn't work that way. What a responsible person does is the very next day, they do whatever they need to do to increase cash flow even if it means several part time jobs. The only excuse you, me or any other person has which will work with a creditor is we have died. Welcome to the cold hard facts of life and no, I don't work for them.

Any creditor who will not work with individuals, especially in times of economic problems facing the citizens of our country, is not doing good business. Sure, they don't have to be nice. They do not have to help you do anything. However, that is not the sign of a good business and consumers should be aware of their business practices. I have another vehicle financed through another institution. They have worked with us and our payment has been brought up to current. Carmax would not allow us to work with them to make this possible. Instead, after making 5 years of steady payments, they chose to repossess the vehicle and sell it for less than it's value and stick us with the bill. Sorry, that is not a sign of a good business that cares about their customers.

"Every one of our creditors have worked with us"

That is an option but not a requirement. There is no rip off here.