Report: #973292

Complaint Review: Credit Acceptance Corp & HYAT HYAT & LANDAU

  • Submitted: Sat, November 24, 2012
  • Updated: Sat, December 22, 2012
  • Reported By: Richard — Crestview Florida United States of America
  • Credit Acceptance Corp & HYAT HYAT & LANDAU
    7765 SW 87 Avenue Suuite 101
    Miami, Florida
    United States of America

Credit Acceptance Corp & HYAT HYAT & LANDAU Yokasta Dacosta Secretly Garnished paycheck earnings through my work company with non factual rediculous 25% demands of illegal deductions... Miami, Florida

*Consumer Comment: And another victims rises


Show customers why they should trust your business over your competitors...

I am adding my complaint to the many filed against HYAT, HYAT and LANDAU of Miami, FL and would like to add...Credit Acceptance Corp. of Detroit. MI... We were sold a lemon of a car to start with, financed through Credit Acceptance Corp and fell behind on couple of pymts in 2006 due to having a "quad duple by-pass surgery". After borrowing and paying $1000 to this company for a payment arrangement made by Credit Acceptance employee, Juannita...Our car was repoed anyway just 3 wks later before another pymt was to be made! Credit Acceptance Corp REFUSED to make ANY kind of refinanced amounts to lower the payments to make them more bareable during our hardships adding to stressful events...

HYAT, HYAT & Landau began with harrassing letters but...Would not take our many tries of calls and letters with replies of request to work out a satisfied amount of debt between all parties. Time had passed only to recieve another threatening letter dedmanding...We had not complied and blah, blah, blah which was untrue as we had tried on more than several occassions. One final letter on my behalf was mailed with FACTUAL figures of pymts that had been made by myself and wife on the vehicle AND...Factual figures that had been recieved by Credit acceptance & Hyat, HYAT & Landau totalling...more than what initial cost of vehicle started out.

Now HYAT, HYAT & Landau, ...almost 2 yrs later!!!!! with no reply since 2011what so ever to our letter of Factual dates and Listings of ALL monies paid into this vehicle loan...Have SECRETLY went to a judge and had "what we feel" is an illegal judgement resulting in...COLLECTING a rediculous 25% of WAGE DEDUCTIONS from my payroll earnings.

We were NEVER notified on ANY of these SECRET actions committed against these final actions in Oct of what is now, 2012!!!!!! Only to my disbelief when I recieved my latest paycheck with this INSANE 25% deduction taken out of my pay, as though this economy has not brought enough HARDSHIPS to our families...We have CROOKS such as these 2 companies I have listed above thrieving off people like you and me that cannot afford an attorney to protect us and to make RIGHT what they are doing WRONG!!!!!  I only pray this WILL fall into the RIGHT hands that WILL be WILLING to help us!!!!!      Thank you n God bless anyone going throught the same thing... 
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This report was posted on Ripoff Report on 11/24/2012 09:36 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

And another victims rises

AUTHOR: ojul - ()

A) the finance company did not sell you a lemon, that is your problem, you just used their money to buy the lemon and decided not to pay them back by trying to use a sad pathetic story. (surgery, lemon car, etc.)

(Oh and by the way, you are not the only subprime borrower that uses this tactic, they all cry victim with excuses of why they couldnt pay)

B) It doesnt matter that someone had surgery, you still owe the money so you should have made your payments ahead of time.

C) If you did not pay on your due date, end of story, your not a victim, the bank is a victim.  You were trying to rip 'them' off.  

D) You probably assumed if you stopped paying that would be the end of it, but once you found out they garnished your wages you were really upset because you had no intention of paying your debt to them.

E) If you hadnt ripped other people off in the past you wouldnt have had to use this company for financing so stop crying about being a victim.

F) No I am not an employee of this company, I just ran across these posts and found them completely rediculous and felt the need to speak up.  This country is full of victims that feel they are entitled to everything for doing nothing.  

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#2 Consumer Comment


AUTHOR: collectorpro - (United States of America)

Sorry you're going thru a garnishment but when a creditor obtains a judgment, they have the right to issue a writ of garnishment to go after up to 25% of debtor's wages. Just because you "feel" its an unfair judgment doesn't change anything. Did you appear in court at the hearing about this? if so, you had your moment to argue in front of a judge your side and try to sway the judge to see thing in your favor. The judge then will rule either in favor or you or the creditor in the case. My guess is you didn't appear so Credit Acceptance was granted a default judgment by the court. This happens all the time. The issue the Credit Acceptance refused to work with you to refinance the original loan is not the fault of CA, to refinance, you have to seek out another financial institution(bank or credit union) to get a new loan, if you can qualify, and try to get better terms. Bottom line: nothing was done in "secret" as you claim, otherwise you could have had this judgment thrown out for lack of proper notice to you. Did you claim you weren't served a summons to appear in court? Yes? No? did you object for any reason? again my guess is you were so upset and just wanted to blame others that you chose to ignore it and lo and behold, your wages are being garnished to pay back a valid debt. The part about the attorneys office didn't want to work with you means not alot since its up CA to choose to either work out an acceptable repayment plan or not. I work in a financial insutution and deal with legal matters daily and 99% of the time, the offers from a debtor to repay a debt are sadly a joke, so we "chose" to reject their unacceptable offer. If for example, you offer to pay $50 per month on a $10,000 debt but we know what your income is, we would feel we could get alot more thru wage garnishment than accept the $50 per month. Why haven't you filed an objection to the wage garnishment if you feel its wrong??? hmm??? instead of pissing and moaning how they are crooks, DO SOMETHING ABOUT IT!!! sheesh.
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