JD Byrider/CNAC Rip-off! Repossessed Vehicle with no Negotiation. I have to pay to get my possessions back. Orlando Florida

Thank you Jim, whoever you are. Each J.D. Byrider is an individually owned Franchise. I don't know about any reports on other franchisees, but here in Orlando we really do try to take care of our customers. That's one reason we even give (that's right give, not sell) an 18 month 18,000 mile warranty on our cars.
Stop in and let me buy you a cup of coffee some day.

Mr. Smith, no need to deny who you are, your secret's safe with me, wink, wink. I've said it and I'll say it again, I didn't write a bad check. I don't deny the check being returned by my bank, that's actually good for me because it opened my eyes to business people like you. I've even told my friends overseas what happened and they are aghast at the situation.

Even in their country when a customer's check is returned they're given the opportunity to make good on it. That's all. If you have customers, you want to retain them, you just don't accept another check, cash only, nothing wrong with doing that. You seem to be the guilty one here, perhaps my words have hit home? You do see the error of your business practices? I also don't have to write in all caps to get my point across. Did anyone ever tell you that's bad manners? No need to respond.

Donna:

This is sad but typical of the society we live in. When all is said and done, you brought this upon yourself, not Marc or his dealership. How many times does it need to be said...YOU wrote a bad check. It was the VERY FIRST check you wrote to them...and it bounced! Yes Donna, it is a crime, check your statutes again. You should be upset and you should use this experience to learn from it. You need to be spending your time being upset about writing a bad check and how this stupid practice came back to bite you in a very sensitive place!

I have a feeling no matter who or how many times people point out to you the cause of this problem--YOU--you don't have the maturity to look in the mirror and own up to it!

Instead, blame and defame Marc and his store! Its incredible and very sad. If this check had been good, you wouldn't be in this position right now, would you? You owe Marc an apology. But instead, you'll find fault with him, their policies and procedures.

You wrote the BAD CHECK, you caused this problem and you are 100% to blame! No, my name isn't Jim Smith and I do not work for JB or CNAC.

Thank you Mr. Jim Smith, regardless of whatever you say, and all your other associates with JD Byrider and CNAC, you're allowed to put your two cents in, we live in a democracy. If a customer writes a check to an account and it is returned for non payment that is not a crime in the State of Florida so says the Statutes. Its as simple as this, I messed up, the world already knows this, I admit when I'm wrong, I'm not chicken.

You took back your vehicle, that's your perogative. I'm moving on and I've learned my lesson here. The manner in which your company does business is what's questionable here. Within two weeks of us acquiring the vehicle and while the downpayment arrangement was being made. I've heard many stories. Companies like yours don't give people a chance to fix a problem.

Let's hope that one day it doesn't come back to bite you. People who I've talked to have never heard of such a thing, the way you guys conducted yourself, they say something is definately wrong there. Yes, my fault the check was returned unpaid but you are given a chance to make restitution. Now you get to recycle that van another time to the next customer who will be unaware that you don't care as much as you make them think you do.

You just get whatever money you can from customers and when the opportunity presents itself you go for the kill. But that's life, you live and you learn. I've said my peace. I think you all doth protest too much. Its strange how many of you actually have the time to read these reports uh. There is something here that just doesn't add up. From now on I'll do the same, this is now my "bible" before I embark on anything new.

Thank you Mr. Jim Smith, regardless of whatever you say, and all your other associates with JD Byrider and CNAC, you're allowed to put your two cents in, we live in a democracy. If a customer writes a check to an account and it is returned for non payment that is not a crime in the State of Florida so says the Statutes. Its as simple as this, I messed up, the world already knows this, I admit when I'm wrong, I'm not chicken.

You took back your vehicle, that's your perogative. I'm moving on and I've learned my lesson here. The manner in which your company does business is what's questionable here. Within two weeks of us acquiring the vehicle and while the downpayment arrangement was being made. I've heard many stories. Companies like yours don't give people a chance to fix a problem.

Let's hope that one day it doesn't come back to bite you. People who I've talked to have never heard of such a thing, the way you guys conducted yourself, they say something is definately wrong there. Yes, my fault the check was returned unpaid but you are given a chance to make restitution. Now you get to recycle that van another time to the next customer who will be unaware that you don't care as much as you make them think you do.

You just get whatever money you can from customers and when the opportunity presents itself you go for the kill. But that's life, you live and you learn. I've said my peace. I think you all doth protest too much. Its strange how many of you actually have the time to read these reports uh. There is something here that just doesn't add up. From now on I'll do the same, this is now my "bible" before I embark on anything new.

Thank you Mr. Jim Smith, regardless of whatever you say, and all your other associates with JD Byrider and CNAC, you're allowed to put your two cents in, we live in a democracy. If a customer writes a check to an account and it is returned for non payment that is not a crime in the State of Florida so says the Statutes. Its as simple as this, I messed up, the world already knows this, I admit when I'm wrong, I'm not chicken.

You took back your vehicle, that's your perogative. I'm moving on and I've learned my lesson here. The manner in which your company does business is what's questionable here. Within two weeks of us acquiring the vehicle and while the downpayment arrangement was being made. I've heard many stories. Companies like yours don't give people a chance to fix a problem.

Let's hope that one day it doesn't come back to bite you. People who I've talked to have never heard of such a thing, the way you guys conducted yourself, they say something is definately wrong there. Yes, my fault the check was returned unpaid but you are given a chance to make restitution. Now you get to recycle that van another time to the next customer who will be unaware that you don't care as much as you make them think you do.

You just get whatever money you can from customers and when the opportunity presents itself you go for the kill. But that's life, you live and you learn. I've said my peace. I think you all doth protest too much. Its strange how many of you actually have the time to read these reports uh. There is something here that just doesn't add up. From now on I'll do the same, this is now my "bible" before I embark on anything new.

Thank you Mr. Jim Smith, regardless of whatever you say, and all your other associates with JD Byrider and CNAC, you're allowed to put your two cents in, we live in a democracy. If a customer writes a check to an account and it is returned for non payment that is not a crime in the State of Florida so says the Statutes. Its as simple as this, I messed up, the world already knows this, I admit when I'm wrong, I'm not chicken.

You took back your vehicle, that's your perogative. I'm moving on and I've learned my lesson here. The manner in which your company does business is what's questionable here. Within two weeks of us acquiring the vehicle and while the downpayment arrangement was being made. I've heard many stories. Companies like yours don't give people a chance to fix a problem.

Let's hope that one day it doesn't come back to bite you. People who I've talked to have never heard of such a thing, the way you guys conducted yourself, they say something is definately wrong there. Yes, my fault the check was returned unpaid but you are given a chance to make restitution. Now you get to recycle that van another time to the next customer who will be unaware that you don't care as much as you make them think you do.

You just get whatever money you can from customers and when the opportunity presents itself you go for the kill. But that's life, you live and you learn. I've said my peace. I think you all doth protest too much. Its strange how many of you actually have the time to read these reports uh. There is something here that just doesn't add up. From now on I'll do the same, this is now my "bible" before I embark on anything new.

Bottom line is it is illegal in Florida to write a bad check (i.e. a check when there is not sufficient funds in the account to cover), how could you be unaware that you didn't have the money in the bank? You have a history of writing bad checks. When a lender realizes they are getting ripped off by a non paying buyer, they are not likely to call in a warning to the dishonest person. The lender may file a complaint with the Florida Attorney General, and take other actions to protect themselves.
Don't buy something on credit that you don't intend on paying for, period. Does that not make sense? You have every blah, blah, excuse in the world. You should have done what you promised. Remember the T.V. show Truth or Consequences?

General Manager

Donna:

I am no fan of this operation...the chain as a whole has tons and tons of complaints. But without regard to that lets look at the facts:

YOU wrote a BAD check! Read that again...YOU wrote a BAD check. Donna, who wrote the bad check?

So having established that, how is this dealership a ripoff since YOU wrote the bad check? I'd really like to read your "reasoning" about this!

JT

So, now we're the ones who are the bad people uh Marc? Your "repossession" of the vehicle was done after 3am in the morning and before 8am, your company have our phone number, if there was any concerns for the customer, we would have been notified about the situation before it came to this. We would have also been notified to at least get our possessions out of the vehicle. Our community is gated, so the recovery people obviously snucked in. And yes, our daughter's child seat and other personal items are being held at ransom. Why should I pay $50 to get them back? Don't give me the story that it's by law, blah, blah, that is just an excuse. That's just another way for you and your associates to make money off of hapless people or just be honest and say it's an additional incentive fee for the companies who are hired to do that service for companies like yours. We are regular hard working americans who live a honest life and lead a life of example for our children. People who strive to make their lives work, it may not be perfect and we may not be as financially well off but we are honest people. Yes, we have credit issues, name me one person who doesn't. So, that's now a crime and we are now dregs of society? I beg to differ Marc. You need to go into the real world and experience what real americans do everyday, life. But, unlike you, I won't get personal. I wrote a check because I had money that would clear it. Not a bad check to a company because I was trying to rip them off. When you write a check to an account, you do so because you have a business relationship and if the check doesn't clear the thing to do is, contact the customer and have it taken care of immediately or redoposit it to have it paid. As I said in my first report, our check payment bounced, that was not a deliberate act. Before my next deposit went into my account another check came in, hence the check being return. Sometimes my back will pay some checks, it chose not to pay that one, maybe that was a good sign. I've checked with my bank and that check was only submitted once. Our payment was due on Saturday, there was no way to get to their office on that day so I called to let them know and asked if we could make the payment on that following Monday. We received the ok to do that. That's exactly what we did. Is the purpose of having a vehicle not to drive it to and fro from your daily activities? Is it supposed to stay in one place or be there for ornamental purposes? Driving in our fine city means going back and forth, sometimes quite a distance, 25 or more miles, does it not? Well Marc, since you are implying that my family was up to no good, let me inform you that we were perfectly in our rights to use the vehicle to go to the amusement parks, go to the beach and go anywhere we pleased. And that was within Orange county. And while all that activity wasn't what we did often, we had visitors in town. So if we must give you details, there you have it. As I see it, you and your company are just there to feed on the disadvantages of people. The vehicle we knew was overcharged, more than twice the amount but that was ok, we accepted that. And that's the price people with credit problems will pay because they become desperate and having a vehicle is so essential here. Let me respond to one more thing that Marc implied in his rebuttal: "If you can't make the payment, you should not borrow the money. It is customers like this that make it difficult for other people with credit proplems (people who need credit the most)to obtain financing." We told him that we could only afford to pay a deposit of $100. They came back to us and told us they will approve the contract if we can pay at least $300. I said ok, I can borrow some money from my friend and get that to you. This sealed the deal. So, to state that "you should not borrow money", doesn't even deserve a response. In no way do I or my husband make it difficult for other people to get financing with your company, that's slander. To blame us for your companies reneging on it's contracted statement, i.e., #3:"I understand that CNAC charges a service fee of twenty dollars ($20.00) for ANY check returned to CNAC by reason of non-sufficeint funds or a stop-payment order. I also understand that if a check is not honored by the bank, regardless of the reason, CNAC will require that all future payments be made by way of cash, money order or certified check." Well, need I say more? So your company says it's there to help people with credit problems but you really don't. Not when you don't allow a customer to make amends. That is what upset me at first, the fact that he insulted me on the phone. And that as a legitimate business who "supposedly cares about its customers" didn't give us the chance to make amends. Your boss refused our coming in to take care of the returned check and any other charges so that we could get the vehicle back. I swallowed my pride and decided that this one wasn't worth it. But I had to let others know about it. The only thing we did wrong Marc, was to get involved in the first place. I should have read all the other Rip-off reports on this website before doing business with JD Byrider and CNAC. So, others are welcome to go to you, that's what your company is there for and obviosly you provide a service that will still be used. But the way in which you guys do business, that's questionable. So, buyers, be AWARE!

The truth is that the lender (CNAC) repossessed this vehicle because the customer's first payment check bounced (it was not good when written, and it is still no good as of this date, and the bank refused the check on the second attempt to deposit it) and they were late on the second payment. The customer's loan closing was video recorded with their permission; anyone who would like to see what was really promised by either party is invited to come view the video.
The lender granted credit to these people with a poor credit history, based on their promise to pay promptly which they broke. They drove the vehicle for about 2 weeks an put hundreds miles on it. The $50.00 fee is granted by the State of Florida to the repo company for storing and transporting the customer's personal property, it has nothing to do with J.D. Byrider or CNAC. The $300 dollars the customer forfeited does not even cover the sales tax and license fees. Both the seller, J.D. Byrider, and the lender, CNAC, lost money on this transaction.

The customer broke their promise to pay and are upset that the lender (CNAC) was forced to take back the car for non-payment. You cannot finance a car anywhere and then not pay as agreed without suffering the consequences. If you can't make the payment, you should not borrow the money. It is customers like this that make it difficult for other people with credit proplems (people who need credit the most)to obtain financing.

The truth is that the lender (CNAC) repossessed this vehicle because the customer's first payment check bounced (it was not good when written, and it is still no good as of this date, and the bank refused the check on the second attempt to deposit it) and they were late on the second payment. The customer's loan closing was video recorded with their permission; anyone who would like to see what was really promised by either party is invited to come view the video.
The lender granted credit to these people with a poor credit history, based on their promise to pay promptly which they broke. They drove the vehicle for about 2 weeks an put hundreds miles on it. The $50.00 fee is granted by the State of Florida to the repo company for storing and transporting the customer's personal property, it has nothing to do with J.D. Byrider or CNAC. The $300 dollars the customer forfeited does not even cover the sales tax and license fees. Both the seller, J.D. Byrider, and the lender, CNAC, lost money on this transaction.

The customer broke their promise to pay and are upset that the lender (CNAC) was forced to take back the car for non-payment. You cannot finance a car anywhere and then not pay as agreed without suffering the consequences. If you can't make the payment, you should not borrow the money. It is customers like this that make it difficult for other people with credit proplems (people who need credit the most)to obtain financing.

The truth is that the lender (CNAC) repossessed this vehicle because the customer's first payment check bounced (it was not good when written, and it is still no good as of this date, and the bank refused the check on the second attempt to deposit it) and they were late on the second payment. The customer's loan closing was video recorded with their permission; anyone who would like to see what was really promised by either party is invited to come view the video.
The lender granted credit to these people with a poor credit history, based on their promise to pay promptly which they broke. They drove the vehicle for about 2 weeks an put hundreds miles on it. The $50.00 fee is granted by the State of Florida to the repo company for storing and transporting the customer's personal property, it has nothing to do with J.D. Byrider or CNAC. The $300 dollars the customer forfeited does not even cover the sales tax and license fees. Both the seller, J.D. Byrider, and the lender, CNAC, lost money on this transaction.

The customer broke their promise to pay and are upset that the lender (CNAC) was forced to take back the car for non-payment. You cannot finance a car anywhere and then not pay as agreed without suffering the consequences. If you can't make the payment, you should not borrow the money. It is customers like this that make it difficult for other people with credit proplems (people who need credit the most)to obtain financing.

The truth is that the lender (CNAC) repossessed this vehicle because the customer's first payment check bounced (it was not good when written, and it is still no good as of this date, and the bank refused the check on the second attempt to deposit it) and they were late on the second payment. The customer's loan closing was video recorded with their permission; anyone who would like to see what was really promised by either party is invited to come view the video.
The lender granted credit to these people with a poor credit history, based on their promise to pay promptly which they broke. They drove the vehicle for about 2 weeks an put hundreds miles on it. The $50.00 fee is granted by the State of Florida to the repo company for storing and transporting the customer's personal property, it has nothing to do with J.D. Byrider or CNAC. The $300 dollars the customer forfeited does not even cover the sales tax and license fees. Both the seller, J.D. Byrider, and the lender, CNAC, lost money on this transaction.

The customer broke their promise to pay and are upset that the lender (CNAC) was forced to take back the car for non-payment. You cannot finance a car anywhere and then not pay as agreed without suffering the consequences. If you can't make the payment, you should not borrow the money. It is customers like this that make it difficult for other people with credit proplems (people who need credit the most)to obtain financing.