JD ByRider Rip off Springdale Arkansas

 It was about same amount of time passed on second repo. The 700 was furnished by a close friend whom offered it up moments aftrr they came and got it. I was and am very greatful for it . And if you really must know about my low score then here you go.

I have a low score because of lots of credit cards that my now exwife maxed out. Fortunately i was able to file bankruptcy when i knew divorce was inevitable. I was not going to Stuck paying on 8 credit cards she decided to have field day maxing out. Yes the cards were all in my name.

Now what my point is with all this we dont live in a perfect world and a little compasion and understanding about lifes little blunders that happen would make lives better. There is no neeed to kick someone when they are down. I understand there are deadbeats out there and the course of action would be appropriate. But not everyone is a deadbeat.

I never missed a payment or even late for that matter until recently. In fact i had to pay extra the first three months because they screwed up by taking my payment on autodraft two days early causing an overdraft in my account.

My payments were supposed to be every other friday but they decided that Wednesday was better for whatever reason and they never offered reimbursement for the penalties i paid due to there clerical screw up. And yes it was there fault for my payments being pulled on Wednesday because my contract plainly stated every other Friday.

Nice sidestep.  The only repo you continue to give us infomration on is the first one.  So let's go with that,  You got the car back after paying $700. So of course one must ask is how exactly did you get the $700 and why did it take them actually reposessing the car before you came up with it? Remember you hadn't gotten your paycheck yet.  I would bet that you didn't owe $700 and if you had made the same effort to pay before it was reposessed as you did to get the car back you would have not had to come up with as much money.

But you sidestepped anything on the second repo and how much time you were asking for, and I bet may be a bit more telling?  So how late were you on the second and the big question...how much time were you asking for?

You made two comments...
I have no intentions of not getting caught up on payments.
Furthermore i have no intentions of defaulting on my loan

This is typical "Sub-Prime" speak.  But actions speak louder than words. You had no intetion of losing your other job..but it happened? You had no intention of the hiring process taking longer..but it happened.  You had no intenition of what ever caused you to end up with a low credit score in the first place...but it happened.

So of course one can truly believe that you have no "intention" of not getting caught up. But what you have shown the company through your actions is contrary to that.  So why would a company believe your "intention" now?

You say you aren't going to buy another car from them. And for htat you are right. You are probably going to end up with a lender that is MUCH..MUCH..worse. There are lenders that will put GPS devices on your car and the momement you are a day late they disable your car from starting. If you don't pay in 2-3 days your car is reposesed with no chance to get it back.  If you think the cost of this car was bad or the interest rate was horrible, you haven't seen anything yet.

Good Luck.

 Furthermore i have no intentions of defaulting on my loan and am fuly aware of my decision to buy the car. Will i buy again from them again.... absolutely not. If my experience will prevent someone else from making same mistake i did and buy somewhere else than im happy with that. Maybe if enough people come forward about being taken advantage of because of low credit scores something will be done about it. Everybody deserves to be treated fairly and respectably no matter what.

 It was ten days late. When they repossessed it. They knew i lost my job and was in the hiring process of a new job. As for previous delinquencies i did not have any. No previous repossession, no defaults ect ect. I have no intentions of not getting caught up on payments. But new job hiring process seems to take a littke bit and first paycheck has to come in before payment is made. I cant speed up that process and a little more then ten days should allowed without harassment. Life happens and common decency to not kick a man when he is down should apply. Give me a chance to get back up and fulfill my obligation instead of being a roadblock

First of all they are a Sub-Prime lender/dealer. You end up with these types of dealers because you have not proven you can handle the responsibility of credit. Most likely you have had previous defaults, delinquencies, and even other Repo's on your credit. Oh and if your first response to that is that those weren't your fault, don't bother. As that is the typical Sub-Prime attitude showing through, and is in reality just proof of why you are in this situation.

The fact is that when you took out the loan you made an agreement to make regular payments on the loan.  Were there any conditions that said you only had to pay when you could? Of course not. So just like every other lender, when you fail to make your payments they have the right to reposes the car.

Now, of course a lender COULD do things to help you out, and if they do..great. But there is no requirement and if they don't it is not a RipOff. However, in your case I bet you weren't late by a day or two so they were giving you at least SOME time..you just wanted more.

I am curious just how much extra time did you want and how late were you before the first repo? Then how much time did you want and how much time did they give you before they reposed it the second time.

Oh and as for the warranty, that is a separate issue.

Your dissatisfaction with the cost of the car is a case of buyer’s remorse. You can expect your request for warranty service to be declined when you fail to honor your financial obligation to pay for the vehicle and the warranty.

Is there a clause in the financial agreement that permits you to delay payments due to loss of income? If yes, then you may have a valid complaint. If not, then you did not honor the terms of the financial agreement; therefore, both repossessions were not a rip-off.