Complaint Review: Hosto Buchan Law Firm - Little rock Arkansas
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- Author Not Confirmed
- Hosto Buchan Law Firm Po box 3397 Little rock, Arkansas USA
- Phone:
- Web:
- Category: Car Financing
Hosto Buchan Law Firm Credit acceptance Corp. Sued for 4000 for car i returned. It was a lemon. Little rock Arkansas
*Consumer Comment: A repossession doesn't wipe out the debt
*Consumer Comment: Test Drive
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Me and my husband bought a car from this company. It was apparently a drug repossession due to the fact after we bought it we realized every seat and panel had been removed and not put back. The back seat want attached to the floor and my kids set there. The front seats where crooked and not bolted down. Twice in one week the breaks locked up, in the rain, and threw us in the ditch spinning out of control. One of those times my kids where in the car. This car was extremely dangerous so we decided to give it back after paying for it over a year. Mind you in a good driver with nothing on my record. Not even a speeding violation. I was the co signor and they are harrasing me and trying to garnish anything they can. Im a mother of 3 with no job and in terrified they will take the only car I have. I cannot afford to pay them when my only income is child support.
This report was posted on Ripoff Report on 08/05/2016 08:06 AM and is a permanent record located here: https://www.ripoffreport.com/reports/hosto-buchan-law-firm/little-rock-arkansas-72203/hosto-buchan-law-firm-credit-acceptance-corp-sued-for-4000-for-car-i-returned-it-was-a-1320844. 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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#2 Consumer Comment
A repossession doesn't wipe out the debt
AUTHOR: FloridaNative - (USA)
SUBMITTED: Friday, September 30, 2016
Time for a little bit of reality. When you returned the vehicle, it DOES NOT EXTINGUISH THE DEBT. What do I mean by that statement? It means that you are still responsible for repayment of the money you borrowed to buy the vehicle. The purchase contract for the vehicle and the loan are two different things. Once you return the vehicle, the dealer then sells it (at auction usually) for pennies on the dollar and you are responsible for repaying the balance due on the loan per the loan contract you signed. In addition to the deficiency amount of the loan, you are also responsible for collection expenses including attorney fees, repo fees and any other fee allowed by the financing agreement you signed. By the way, this is standard for all vehicle contracts so you aren't being singled out at all. Take some time to research your responsibilities and possible remedies.
PS The previous rebuttal is also right. You could have saved yourself a lot of time, trouble and money by doing a test drive before you negotiated and signed a contract to purchase this vehicle.
#1 Consumer Comment
Test Drive
AUTHOR: Jim - (USA)
SUBMITTED: Tuesday, August 09, 2016
Did you even bother to test drive this thing? You say the seats were crooked. Fairly obvious, right? Why didn't you see that in a TEST DRIVE and move on to another car? Your only income is child support? Why doesn't your husband work? Why can't you work? Looks to me you couldn't even afford this car and that's why you're in a VOLUNTARY REPO. Oh by the way...the word is "BRAKES"!
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