United Auto Acceptance ripof Illegally Reposess Car They got my car only one week past due did not bother to send notice about the repossession. did not follow procedures required by law to repossess the car, did not file with the car for an affidavit to repossess Atlanta Georgia

Both Chris and Gloria are in the repo business in Georgia, and gave their comments, which were apparently ignored. I'd like to know the current status of this case. Who was correct? The people that assumed or the people that work in the business every day? My guess is that the repo man won. The original poster could have mitigated the situation by simply turning the vehicle in voluntarily, but instead chose to try to keep the "junk" vehicle as long as possible, forcing the company to spend money hunting it down. Now Cynthia's problem will be compounded by having to pay the difference in the value of the car because it's damged.

They rip people off by insulting your intelligence? What? How did you come up with that?

Afterall, you're one who read and signed the paper work. If you're not smart enough to understand that when you borrow money you always have to pay it back, then get somebody with some sense to go with you.

Yoshina, you are the last person in the world who should be speaking of intelligence. I feel as though intelligence is something that you just can't grasp.

Get some sense!

Cynthia,

I do understand your concerns, but I have a loan with these people too. They rip people off by attempting to insult your intelligence.

United Auto Acceptance has always had a bad reputation in the ATL area. That why those cars sit uo there at PARS CARS for years at a time.

I will never do business with them again.

I'll have to agree with Jobe. There are some more holes in Cynthia's story, if in fact this was actually her.

When you go to court concerning a matter such as this, the outcome is made a part of PUBLIC RECORD. I contacted the authorities in Austell City, Cobb County, GA and Fulton County, GA. I went to the websites which show these rulings. NOWHERE COULD I FIND WHERE ANY JUDGE HAD MADE A RULING ON SUCH A CASE INVOLVING AN ILLEGAL REPO. Obviously, Jobe was right.

I also spoke with an attorney friend of mine who lives in Diluth. Since Cynthia's situation involved the down payment, there IS NO BINDING CONTRACT with respect to repossesion concerning the loan. Meaning, she didn't hold up her end of the bargain by paying the rest of her down payment on time. There's your binding contract. The company which she did this to, was simply getting their property back. No T16 had to be filed.

He, my attorney friend, went on to state that this was a state matter and not a federal one. He said that there were no federal laws concerning getting back what is rightfully yours.
Obviously the original Cynthia was wrong.

Got anything else retarded to say, Michelle and Cynthia?

I have been reading this thread from the conception. I too thought that Cynthia's story was a little fishy. I don't think that the person who wrote the last rebuttal was actually the original writer. Why?

Because the rebuttal doesn't say "original author." This type stuff was bound to happen sooner or later on this thread. Evidentally, this was somebody who didn't like our Southern friend Aaron. Out of all the people that they could have blistered who rebutted her, the imposter chose Aaron.

Also, Aaron's Sales and Leasing is a home furniture and electronic company. They have nothing to do with financing cars. Never have for that matter. They rent furniture and stereos, not cars. There was no rebuttal concerning this comppany on this thread. Where did the imposter come up with that?

The comment at the end about Aaron's Sales and Leasing only leads me to believe that the person who wrote the last rebuttal is an imposter who has an axe to grind against Aaron from Townsend, TN. I think he's made it pretty clear that he's not involved in banking of any kind. That includes "running a business in Atlanta..."

Defamation and slander are defined in the state of Georgia as "...making remarks which defame a person's character, whether false or true." Obviously the imposter is the one who has trouble understanding law. As much as I disagree with Aaron's practice of blistering non-Southerners, he was right again concerning this thread. I hate to say it but he has a knack for weeding out people that have no legitimate claim.

If the people who read this thread want to believe that the last rebuttal was actually the original Cynthia, you have the right to do so. Nobody ever said that it was against the law to deny the obvious or to be naive.

I've got some questions concerning what the comapny was "fined." Well, how much were they fined? Can you answer that? Sounded to me like they made $300 for letting her drive the car for a month. The judge wouldn't have been able to fine these people for a criminal offense. This would have been civil court. Fishy to you too?

Just remember that if you are going to be an imposter, you need to get your ducks in a row and make sure that your story gels. This was definitely not the original Cynthia. If you are going to impersonate someone, you need to spend more time not contradicting yourself and less time on the computer.

All that I can ask people to do is to read the original post. Then read the last one. I just don't think that it is the same two people. Why would the original author care about Aaron's Sales and Leasing?

The original person's e-mail didn't match up the last person's e-mail. That's why it didn't say Original author. That's why it read "Consumer Suggestion." Only a moron would have tried to get away with this c**k-n-bull story. Whoever you are, you have no future as an impersonator.

First off you need to learn how to read before you make some ridiculous comment. A T16 has to be filed before the repossession of the vehicle and the company got fined and it cost them more than it would have had they done it the right way. The judge said that because the contract was signed and they agreed to take payments on the down payment that it was a legal and binding contract.
I had the car less than a month and the judge ordered them to return my possessions to me and he ordered them to return the car. I informed him then that I didn't want the car but would like a return of my money. He granted them usage but I got $700 back out of my money. He also informed them that because they violated the law that they were not allowed to place this on my credit report. There wasn't anything in the contract about the default other than if timely payments weren't made that they would seek to repossess the property. The judge said regardless of what they put in the contract a T16 still has to be filed.
Aaron you speak about me you haven't thought about the appearance that you give people about southerners. I have to question whether you are even an adult. You sound more like a teenager to me. You ask why I haven't posted a rebuttal? Because I don't have all day to play on the computer I have to work for a living. Also, this is a civil matter and it isn't defamation of character if what has been stated is true. It is only slander or defamation if the information is false. You don't seem to know much about the law.
For the person that was making a complaint against Aaron's Sales and Leasing they are not a company I would want to do business with.

If you didn't care what we think about you then you WOULDN'T have made the comment. Sometimes the truth hurts.

I want to know when God changed his/her name to Jackie. Who made you reverand? You expect us to think that you are a Christian? You're just CRAZY!

You don't know diddley about Southern culture. Just because some of your family moved here doesn't mean that you were educated automatically on our culture.

Haven't you been told before that where your family moved to has nothing to do with the original post? d**n, you're dense!

YOU are the cause of your own problems. Not us. You need to seek some professional help. Not only are you condescending, you are also ignorant.

You're right, the ditor didn't intend on a bunch of whiney asses posting on these threads, so stay the hell off the computer.

The reason Chris made such good sense is because he is from the South. He's probably not some balloon mouth mid-westerner who thinks we care about where their family is located.

Murphy didn't say that it wasn't ok for you tell everyone "God Bless You." Where did you come up with that? You have a strong imagination which is good. You just need to get the paranoia out of your system. No wonder you live in what is called a "swing state". You don't know what's coming or going.

LEARN TO MAKE SOME SENSE BEFORE YOU POST ON THIS THREAD AGAIN!

Most of you folks have forgotten about the original post. Where is Cynthia from Austell, Georgia? Why hasn't she updated her post? Obviously, Aaron was correct in assuming that she was telling a big tale. If she had been able to do something about the situation, then I'm sure she would have reported back. Thanks, Aaron.

Forget about what all these dip-shits have to say like Michelle, Jackie and Darren. You made them look like the twinkle-toed mental midgets that they are and I for one agree with you 100% of the time. From now on, you should just ignore people like them. Of course, we wouldn't get to see you call them out. I enjoy the entertainment too much. Keep up the good work!

I wouldn't doubt it a bit, if JACKIE was actually Darren's alter-ego masquerading as a woman. Whoever it is, one thing is for sure: it is ridiculous to think that she (Jackie) offered any real useful information. She obviously thinks too much of her self.

You are silly. You contradicted yourself again. You just can't fathom the thought that nobody likes you. You just can't keep your mouth shut, either. You say one thing then say another. Are you on medication for some sort of mental disease? They should take your internet access away, there at the nut farm.

Aaron is correct. You are wrong. You are not a Christian. If you were you never would have paid any mind to any of these people. You would rather argue, though. Ever heard the term "FLIP-FLOP"? Well, you are the picture of the definition.

Haven't these folks made it clear that nobody cares anything about your geneology? Why would you even see fit to explain where they've all moved to or from? You're mixed up in the head. I'll say it now: I don't even care about the original post. I would like to also say that you are a FRUITCAKE. You should give it a rest. You are making all mid-westerners look bad with your abstract reasoning. Oh yeah, and by the way, we don't care who you have a problem with from Waldorf, Maryland. Obviously they think that you are a nut also.

If there is anyone who is not very "bright", it's you Jackie. You are the typical hypocritical church-goer that I have learned to mistrust. People like you are the reason that I don't go to church.

Really Jackie, you should try to contact Darren. I think that you two would make a nice couple....... Couple Of NUTS!

Well, I hadn't planned on responding again, because this thread doesn't really affect my life all that much. However, there are some assumptions and comments being made that need to be corrected.

1. Let's start with Murphy. My father was born and raised in the southwestern corner of Missouri. My grandmother still lives there, and has never resided up here. My Uncle moved from Missouri to Virginia. Once again, never touched this area. So, yes, my family is from the South. I am not. My point in saying that was that I am well acquainted with the Southern culture and I didn't need a lecture on it. (My mother has siblings that moved to the South. My father is from there, just to clear up the coming questions on that). God Bless, Murphy. I'm going to be busy for the rest of the afternoon reading my Bible. I'm going to try to find out when God changed his name from God to Murphy.

2. Wynn -- No one's whining except for you. I am not contridicting myself. I said that I agree with Darren 99% of the time (aka: not 100%). I have the ability to agree with Aaron in certain respects. The way he bashes people is not one of them.

3. Joe, before you sit there and tell me that I need to get out of things that don't concern me, you should do what Jon said. Take a nice long look in the mirror. This didn't concern you any, did it? Yet you posted anyways. Furthermore, please look at #1. I don't care what most Southerners think of me, nor do most Midwesterners, East Coasters, etc care what anyone from any other part of the country think of them.

I do believe that a lot of you misconstrued my education comment to Aaron. If that is the case, I WILL apologize, as that may have come acrossed wrong. I meant that ANYONE'S upbringing, education, etc affects a lot of the situations on this board. Some aren't too bright and they cause problems for themselves.

To anyone who made the comment about my post not adding anything to the thread, I think you condtradicted YOURSELVES when you all posted. Again, that didn't have anything to do with the original thread, did it? I chose to make my comments, you chose to make yours, but it was only okay when you made yours. I don't think that the Editor intended this site for a bunch of people whining like babies because someone said something they didn't like. If you want to argue with someone who will continue answer you, go find a post from Waldorf, Maryland. She'll argue with you. I have better things to do with my time. Props to Chris, by the way. He's from Georgia, but he only felt that he needed to respond to the original post. Apparently he realizes that people are entitled to their own opinions.

And since Murphy doesn't think it's okay for me to say God Bless, I'll just tell everyone to Take Care.

Now, as a repoman in GA Ive run across this situation more than once while in the middle of a repo!! 1)Most people dont notice the tiny little clause in their loan paperwork at the bottom somewhere..They call it "first payment default"....Miss the first payment of any type whether it be the remainder of a down payment or a regular payment,the car will be out for repo the next day no questions asked unless prior arrangements have been made!!! 2)The legal owner of the vehicle (the name on the title) is the dealership..UNTIL YOUR NAME appears on the title without a lien, its not you vehicle!!!!!!! Read you contract and then tell me its a so called illegal repo! Ive done this for 9 years and never have i had anything such as an illegal repo come up...They (finance company) send us the documents we dont guess at these things!!! We are professionals!! As to your personal affects..that was wrong of them They do have the right to empty out THEIR vehicle of your crap but they should have allowed you access to it after paying a fee.

When did the fact that you have family that moved to South have anything to do with car repossession in Georgia? Tell me when? You are out there lady!

We know when someone is not from the South. We know when people are raised by someone who is not from the South. Your comments are worthless. Your assumptions are false. You can't pull the wool over our Southern eyes. You are wasting your time and everybody else's time by filing rebuttals that are,to say the least, ridiculous and un-substantiated.

You need to find something better to do with your time. You need to quit worrying over issues that don't concern you. You need to educate yourself about what most Southerners think of you. That education starts with me telling you that you are so full of s**t that I bet your eyes are brown.

GOOD DAY!

It's amazing that so many people have time to waste by rebutting on grammar and personal feelings. I am a business owner and resent that the original complainant felt it was OK to not pay her bill, and then blame everyone else for this misfortune. If my customers don't pay their bills then I can't pay mine, and my landlord doesn't care to hear my excuses either. Even a business owner can be living check to check, and I need your payment to feed my kids. Why is the dealership portrayed as the bad guy for following the agreed upon system? I'm sorry your car was snatched, they are thieves if anything was missing (100% agreed), but if you really want to blame someone please stroll over to the mirror and have a good, long look. Next time, don't take on the debt if you can't pay it. It's only fair for all.

I just wanted to point out that you contradicted yourself Jackie. You stated that you agree with Darren 99% of the time in your first post. In your second post you said that you didn't DISAGREE with Aaron. Well, you can't do both. Either you agree or disagree. You sound like the flip-flopper democratic presidential candidate. This inconsistency proves part of Aaron's theories on liberalism. Every time you open your big midwestern mouth, you reinforce that Aaron is correct in his observations.

Aaron isn't bullying anybody. This site isn't a physical confrontation. It's typical of people like yourself to start crying like you have in your two rebuttals. WHAAAAAAA! You sound like a big baby who needs to take a long liberal nap.

People can tell something about you from your comments. You added nothing to the original post again. You are not helping anyone. If there's any bullying going on here, it's you and Darren. You are very much mis-informed.

P.S. QUIT YER WHINING!

Despite what you think, we Southerners would be able to tell that your family is not from the South. Accent or not, they're actions would tell us that are from some other place than here. It takes several generations to be endoctrinated into the true southern culture. They were still raised by people who aren't from here. You think too much of yourself to think that you can pull that one over on us.

You're just as bad as Darren. You added nothing to the topic of this post. You just want to argue and lay out your philosophy on life. Well, we don't care. You are the proof that Aaron's philosophy on "where you're from" is a good one and that most midwesterners are liberals and hypocrites.

Aaron, thanks for not holding back with people like Darren and the women who first printed this post. You saw straight through her story and that's something that neither Darren nor Jackie were able to do. I appreciate you and your Southern Philosophy. Don't let people like Darren and Jackie hold you down. They just like to hear themselves talk and get-off when they can tell people to look at their handy-work on line.

I bashed his area of the region? Can you outline where I did that, exactly? My only point was that he's constantly bashing Midwesterners, and I wasn't going to give him the option of doing so, as I have family from the South. My point is simply that he is constantly bullying people on this website and I can't take anymore of it. If he weren't so rude, I wouldn't mind his comments. In fact, I don't necessarily DISAGREE with them. Just the manner in which they are presented. So why don't you think about that for a minute. Yanno what? Was it the education bit that made you think I was bashing Southerners? Go back and read it again. I think you'll find that I wasn't.

By the way ... thanks for calling me a fool. It's always nice to prove to people that you can jump to conclusions without knowing someone. This isn't going to be an issue of "I like Aaron and you don't, so you're a fool!". This was simply me voicing my opinion, as you were voicing yours. I don't plan on responding again, so anything you say will fall on deaf ears. Just remember this, though. You don't know this woman, so you don't necessarily know what happened.

God Bless

Jackie, you scolded Aaron for talking about your region of the country. Then, you hypocritically made an observation and comment about where he is from. Now how is that? You are the type of person who believes that other people don't have the right to criticize you, but you have the right to criticize them. You are a hypocrite to say the least. A midwest hypocrite. I'm sure that you are a liberal, too. But that's ok. It's just not ok to be conservative, right? Nice reasoning.

You did nothing to add to this issue. You just made yourself out to be the a*s. Trust me when I say that more people agree with Aaron than you think. His comments toward the person who made this post were just what she needed to hear. He was able to tell that her story didn't gel and let her know that. You should refrain from making a fool out of yourself like Darren. Of course since you are a fool, that would be ok. It's just not ok to think rationally, right? Nice reasoning.

Did God want you to come on here and call people names? I think not. You need to read your bible some more before you start making yourself out to be a Christian. God Bless You, too!

Yanno what, Aaron? I've refrained from posting this on so many occassions. Good thing I'm in a bad mood today. Putting aside whether you are correct or incorrect in your rebuttals to others, you are an a*s. I can't take anymore of your bullying others, nor can I take anymore of your comments about Midwesterners, or people making Southerners "look bad".

This has nothing to do with where you are from. Intelligence, upbringing, and education? For certain threads, it would work wonders. But where you live? Not really. Also, please don't respond with some stupid comment about me being a tree-hugging, liberalized midwesterner. You want my opinion on things? Just read Darren's posts. I agree with him 99% of the time. Keep in mind, my father was raised in southern Missouri, his brother now lives in Virginia.

My other uncle, who was raised in WI, now lives in Georgia (my cousins even have accents!) and his brother has lived in Texas for so long that you would never know he was originally from here. So don't start any of that crap with me. Long and short of it, you are no better to the "little man" than most of these ripoff companies.

My thought on the original post? I'm sorry it happened to you, Honey. But in all reality, it was still their car. Let it go, move on, and always remember so it doesn't happen again. Take your 12,000 and go buy a brand new Corolla or something. It'll last longer anyways! :)

God Bless, everyone.

Bubba,
7206 BMTS
2140th Comm. Det. 20
728th TCS
TUSLOG Det. 16
2140th Comm. Det. 16
1965 Comm.


You?

We should all appreciate Aaron's down home point of view. While I disagree with some of his "Yankee Liberal" bashing, he generally makes a legitimate point concerning what ever the original topic may be. This Darren from Neenah, Wisconsin never does. He just likes to attack Aaron and everybody else. Have any of you ever seen him agree with anything posted?

Darren you're a silly moron. Give us all a break from your unsubstantiated and irrational attacks. Every time that you post a rebuttal on what ever topic it may be, you only reinforce that Aaron is correct in calling you a liar and a communist.

I've never filled one of these things out but I feel compelled to do so at this time. I read this page all the time and have had the misfortune of seeing this girly-man Darren attack Aaron on every occassion that he can.

While Aaron has been quite abrasive at times, he has generally put Darren in his place. Aaron is right in the fact that this squirt Darren can't read what is written right in front of his face. I don't buy Darren's story either. If he actually was a disabled vet then he wouldn't be such a "pinko liberal" as Aaron likes to call him.

Do yourself a favor Darren and quite buggin' Aaron. You make yourself look bad by posting so many attacks against him. Nothing you say has any merit regarding Aaron's history and to say the least it is defamatory to lie about someone. If you are a Man Of GOD like you say, then you shouldn't throw stones or point fingers. Aaron sounds like the kind of guy who has an arm and will sling them back. You yourself should start practicing what you preach and try to add something to this site that is worthy of being printed.

I have met a few people from Wisconsin and they're not all bad, just Darren. Get a life!

Ok, first of all everyone should step back and take a breath. None of this is helping...
First of all let me say that I see both points of view.

The consumer feels that since she gave this man money for this car and completed what ever paperwork she completed it is now her's providing she makes her payments and keeps it insured...unfortunately, and though this is normally the case, it is not correct this time because she never finished the initial contract...ie the down payment, on a contract you must sign saying you will provide a down payment of a certain amount and then produce it...at no time before the money is in the dealers hand does he even have to let you leave the lot....however he did, a mistake I'm sure he will no longer make..

Now because he did two things could have happend either (A you come back and pay and your contract becomes effective
or (B you do not make the agreed upon payment and your contract is null and void

YOU did not come back and pay therefore you have no contract. If there is no contract you are just using his property at this point without his consent and he can pick it up at any time...no paperwork needed...because you never purchased the car.. you test drove it and never brought it back...as far as your money paid...you would have had one heck of an argument to get it back had you only had the car a few days but here it is how long? A month or more before he gets it back. you probably won't see that money again...I would just chalk it up to a really cheap month long car rental and walk away... Because I started out really pulling for you but the more I read about the money tranaction the quicker I realized you were on the losing end.
and I honestly think trying to fight for this money back will end of giving you nothing more than a headache...trust me I've been there.

AND TRUST ME WHEN I SAY THIS: Most of these people are not trying to help you they are arguing like young children and in the future when you really need advise again this is not where I would go. this is a great place to lodge a complaint and get a response from the other party, or other knowledgable individuals...but I would waste my time reading most of these...God knows I wish I hadn't. Good luck honey and remember "once bitten, twice shy"

. This is why I posted my attorney's name. This is just one more case of how you, Darren, cannot comprehend what you are reading.

By saying that you were about to comment on MY dealership shows that you are just out to attack me. You go right ahead..... People who CAN read will just see this as another one of your unsubstantiated rantings. He assumes now that since I posted three times that this is my dealership. Just go back and look at how many times he has posted bogus comments on the rest of this sight. I counted 11 postings on one issue.

Darren says that he is a substitue teacher and then goes on to state that he hasn't receievd his teaching certificate, yet. The school that he says that he went to was a vocational school then claims that he received a bachelor's degree from a school that doesn't exist.

Darren is a poor little man. His lies have become more interesting with every post that he makes. No, there will be no more trash talk. I don't have to call you out for what you are, people can tell from your postings that you are a fool.

By the way, Darren also makes the statement that he is a disabled veteran in one of his other posts. I doubt very seriously at this point that he could have made it through boot camp. Check out some of his other posts and judge for yourself what kind of fool that he is.

Darren is a whiner and a liar in the worst way. Obvioulsy he doesn't work for a living. Why do I say that you might ask? He has all day to single people out and start attacking them on this sight. Just look at how many posts he has made.

Just remember one thing: If you tell Darren that he is wrong, he can't handle it. He lives in a fairy-tale world. The EDitor of this sight is just about ready to block Darren's access over some of the crap he has written in the past. After speaking with him on the phone, I would say that Darren's last post sealed the deal.

Hi,
Anyone who knows anything about communication knows that it is the responsibility of the writer/speaker to be as clear as possible for the maxiumum benefit of conveying the message to the audience.

However, among the things that Aaron hold in contempt are; education (unless from his alma mater which is questionable whether he has one... read on),geographical location, ethnicity, political parties, ethnic sounding names, and the list could go on.

That said, Aaron you wrote... "Hey STEVE... You should have put a comma after response. You should have written, "...response, one can..."
Once again, I DO NOT OWN A CAR DEALERSHIP. Where do you folks get this? Learn to read!"

Here is what they read:
"P.S. My attorney's name is Kevin Shepard and his office is in Maryville, TN. You might want to tell the judge that, too, when you tell him that this my dealership. I can assure you trouble with the court system, whether state or federal." It was not clear that you didn't have the dealership. You just said that this lawyer was the one to contact concerning your dealership.

Also, if Steve would have used the comma as you suggested it would have been a comma splice which would have been wrong.

I too was about to comment on your dealership because that would have been the third story you have here.

One being a college graduate from Auburn that owns his own house... the other is a college drop out that delivers pizza pies again at the age of 32 (how is that court case going?) and now I thought you were saying that you have a car dealership.

Now, with all this being said, I can expect more trash talk from Aaron.

To all that want to verify the validity of my claims versus anything that Aaron has to say, I would recommend doing a search here on ROR for both our names. Then judge for yourself.

(Hey Aaron, only two more semesters before I get my teaching license! I can't wait!)

Thanks,

Aaron, I knew you would come back, one more time because you are a person who likes to hear himself talk. I happened upon this interesting piece by accident as I had an issue with Aaron's Sales and Leasing and through my search, brought this situation to light because of your name.

You are so confused, it is not I that has responded 5 TIMES in very lengthly paragraphes to someone that isn't even associated with you. You say your tired of people who abuse "the system" What gives you the right to judge this particular case? And if you haven't noticed....nobody cares about you except to say chill out!

You are that crazy driver on the road that thinks he can cut in front of everyone and nearly cause an accident, your the slow wit in the grocery store who takes 12 items to a 10 items or less express line, Your that guy who parks in the handicapp zone thinking you lack of intelligence qualifies you. THAT MAKES IT EVERYONE'S Concern, including mine.

You call me stupid?... that is funny stuff!!! I am a very successful corporate executive and happily married for the last 4 years with 2 kids (yes, we are multiplying). Maybe thats your problem, your not happy. Too bad for you and everyone else that has to deal with you daily. AS you say CAN'T YOU READ!!!! you wrote back so many times and you want to point fingers at other people saying they are stupid and have no life.

BABY STEPS Aaron... take a 12 step program!....though I have NEVER needed counsel or medication to lead a happy life, you definitely do.

You're right, I'm angry. I'm angry at stupid people for doing stupid things and then trying to blame the consequences on someone else's actions. I'm tired of people using OUR justice system to pursue unsubstantiated claims. You should be angry also, but I suspect that you're just some fruitcake lock-in whose only friend is the computer.

I appreciate your concern for my well-being, though. Just because you are currently taking some form of medication, doesn't mean that I'm interested. I'll have to refrain from whatever counseling it is that you're receiving.

By the way, I am a business owner. It's tough dealing with people who try to rip you off, but we do our best. Cynthia is a fool and you are her understudy. Once again: I DO NOT OWN ANY BUSINESSES IN GEORGIA. I AM NOT NOR WILL I EVER BE A REPO MAN. I AM NOT DIRECTLY (or indirectly)INVOLVED IN THIS MATTER. I've said that several times. Can you not read? What in the hell is wrong you people?

Michelle, you said it yourself, "....consumer reports that have nothing to do with you." As long as I'm an American citizen, every report on this site has something to do with me. You and Cynthia should get together an form an organization dedicated to helping the stupid. Of course, that would be the blind leading the blind.

You Michelle, should get off your behind and do something "productive" besides sitting around looking for someone else's argument to get involved with. You don't even understand what's going on here. You're a FOOL.

Since I'm tired of reading a bunch of WHINER'S rebuttals, I will no longer be posting any rebuttals. I work for a living and don't have all day like you michelle, to check up on this site everytime there is a rebuttal. They fill up my E-mail also. ADIOS MUCHACHOES!

You MAY need to recheck the GA. repo laws for motor vehicles. Here is the excerpt from the CURRENT (2004) 50 state repo/legal guide for georgia.
( just trying to be helpful )



Georgia

TITLE STATE: Yes
SECURITY INTERESTS: Shown on title held by lienholder.
LICENSE REGISTRATION: Georgia Motor Vehicle Division, 270 Washington Street, Atlanta, Georgia 30334. Tel: (404)362-6500.
RECOVERY REQUIREMENT: As per UCC, repossession allowed without committing a breach of the peace.
DOCUMENTS REQUIRED FOR LIQUIDATION: Title, copy of contract, bill of sale, affidavit of repossession (T-16).
PLATES: Remain with the vehicle.

Aaron, take some advice, your anger towards the original rip off report and all susequent rebuttals are a strong indication that you are either directly involved or seriously troubled to get so upset. There are medications that may help you calm down or take up a hobby other than attacking the validity of consumer reports that have nothing to do with you. Thank goodness you are not a business owner because heaven help all of us (as you say) if we were to fall victim to your business savy or lack there of. Get some help...really...do something productive in society.

1st of all you didn't pay all of your down payment as agreed....and legally it is still the dealer's car...THEY are the owner. 2nd of all, I work in the repossession industry and Georgia is considered a "self--help" state which means that they (the finance company or leinholder) ARE NOT required to notify you prior to repossession. Leinholders/Finance Companies in the State Of Georgia by law have the right to repossess your vehicle if you are only ONE/1 day past due. They also have the right by law to repossess your vehicle if you allow your full coverage insurance to lapse. So before you start thinking court and seeing dollar signs I suggest you do more research before you make an a*s of your self.

I get ahead of myself sometimes... TWO and TWO have never added up to MORE than FOUR...

Hey STEVE... You should have put a comma after response. You should have written, "...response, one can..."

Once again, I DO NOT OWN A CAR DEALERSHIP. Where do you folks get this? Learn to read!

I AM NOT A CAR DEALER. I DO NOT OWN ANY BUSINESSES IN ATLANTA. Can't you read? Now who's the one who isn't very smart?

There's nothing about her story that makes sense. This wasn't an actual REPO. Can you not see this or are you just in denial of the obvious?

By the way... Is "REVENGE" a justifiable reason to defame someone's character in court with lies? I think not. In case you don't realize it, this is CRIMINAL also. You need to go back and read the last few posts very carefully. I believe that you've missed some valuable information included in these reports. Any fool can see straight through this women's story. TWO and TWO have never added up to FOUR.

According to Cynthia's last rebuttal, she stated that she HAD PLANS TO GO BEFORE A MAGISTRATE, not that she'd already been. We haven't received an update from her yet, in case you didn't know.

You're right REPO men will steal everything they get their hands on, especially since they are THIEVES for a living. Get your facts straight. This is what REPO men get paid to do: They steal property back from people who are stealing by not paying their bills on time. She made a deal on the down payment, not on any kind of financing. Once more: THIS WAS NOT AN ACTUAL BANK REPO SITUATION.

ONE MORE TIME: I AM NOT A CAR DEALER NOR AM I A REPO MAN. You're about as sharp as Cynthia. I actually thought that you were pretty smart with your first rebuttal and agreed with you. But I promise I won't back you up in the future.

Hey Cynthia, keep right on doing what you had planned to do. Be sure and tell us what happened but be truthful. This will prove my point. By the way, I managed to contact the police myself, but they wouldn't comment on your case until it was resolved. They did, however, elude to fact that your story was, "...A LITTLE FISHY...."

GOD BLESS ALL OF YOU, YOU NEED IT!

Aaron is way over the line on this point. He is not a very bright car dealer to ADMIT that he would gladly STEAL (in a criminal manner). Sorry, but "revenge" is not a justifiable reason to take someone's wallet and cd's.

It was smart of you to go to a magistrate and make an affidavit of what you had in the vehicle. Go to the dealer immediately, with the police, and demand that your property be returned. Good luck. Repo men always steal everything they get their hands on. If they can't produce it, file a criminal complaint.

Aaron is way over the line on this point. He is not a very bright car dealer to ADMIT that he would gladly STEAL (in a criminal manner). Sorry, but "revenge" is not a justifiable reason to take someone's wallet and cd's.

It was smart of you to go to a magistrate and make an affidavit of what you had in the vehicle. Go to the dealer immediately, with the police, and demand that your property be returned. Good luck. Repo men always steal everything they get their hands on. If they can't produce it, file a criminal complaint.

Aaron is way over the line on this point. He is not a very bright car dealer to ADMIT that he would gladly STEAL (in a criminal manner). Sorry, but "revenge" is not a justifiable reason to take someone's wallet and cd's.

It was smart of you to go to a magistrate and make an affidavit of what you had in the vehicle. Go to the dealer immediately, with the police, and demand that your property be returned. Good luck. Repo men always steal everything they get their hands on. If they can't produce it, file a criminal complaint.

After reading Aaron's response one can only assume from his sentence structure his dealership is not one you may want to shop at.

After reading Aaron's response one can only assume from his sentence structure his dealership is not one you may want to shop at.

After reading Aaron's response one can only assume from his sentence structure his dealership is not one you may want to shop at.

First of all, you stated that it was Georgia law and then went on to say that the same thing was federal law. Well.... Which one is it? You are obviously confused. Do you honestly know what you're talking about? I think not. You are obviously a confused individual mad about your own behavior. Since you didn't get your way, you want to take it out on the people who gave YOU the benefit of the doubt. They assumed that you were honest. Obviously, the dealership was wrong.

The dealer did this for you as a favor and YOU dropped the ball by not holding up your end of the bargain. This was never an actual repo where you have to file all that crap in order to claim possession.

Secondly, the fact that this is the bank's policy doesn't change a thing. You still knew that you weren't going to be able to pay the rest on time. How can it be my dealership? Like I'd own a business in Atlanta; I'd be afraid of people like you robbing me blind! I'd have to come in an extra hour every morning to run the crack-heads off. Who wants to deal with that everyday.

Furthermore..... If you paid $12,000 down, then why didn't you have $13,000? I think you're not giving us the whole truth about what went on. Most people who have $12,000 in their hands, aren't waiting for their next check to clear the bank.

Lastly.... If the authorites had actually taken you seriously, then you would not have to go before a magistrate. Obviously, the police had a problem or two with your little story, too. They simply didn't believe you.

Just a little advice....... When you bring a criminal case against someone and then aren't able to prove your case, you are liable for defamation and slander. Also, if the judge can hold you in contempt for perjury. Both of these things can cost you a fortune and I hope they do. I'm not telling you this in order to help you out. I'm simply telling you what is probably going to happen. Your story simply doesn't make sense.

By the way... Nobody knew that is was a DURANGO until you told us on your last post. You're the one that said you bought a defective vehicle. You didn't say what type of vehicle that it was. If there was something wrong with the first one, then why in hell would you want to get another one? That just reinforces the fact that you don't have much sense.

One more thing... Only an idiot would leave such personal items in a vehicle. That's not very smart. Whether the judge gives you an order of return or not, the repo folks are simply going to say that there were no such items in DURANGO. They've probably already removed them. I would if I caught someone trying to rip me off. You can't handle a little bit of your own medicine, can you? I hope they got every bit of your stuff and you can't get it back. You deserve it. You drove their car for a month and they got your stuff. Live with it and quit whining! Get over the oppression! The man ain't keeping you down, you're holding yourself down!

Anybody with any intellect at all could have come-up with a better story than this. People like you make me sick. You're the reason that our court systems are so bogged down with frivolous cases.

Obviously you were unable to read Mike's rebuttal. He was right and you are wrong. I bet the judge tells you to hit the road. Lying in court is a much more serious offense than a so-called "illegal repo." Is that really a term? Or just something else that you've made up?

When YOU make a deal with someone, then you need to at least have the HONESTY to hold up your end of the bargain! I didn't say that you were dumb, I asked if you were retarded? Well, are ya?

P.S. My attorney's name is Kevin Shepard and his office is in Maryville, TN. You might want to tell the judge that, too, when you tell him that this my dealership. I can assure you trouble with the court system, whether state or federal.

PAY YOUR BILLS ON TIME!

I bet that ED the EDitor is so proud of me for not giving you the cussing that you so rightfully deserve!

If United Auto Acceptance did not send you a certified letter with a "notice of default and the right to cure" don't walk to a attorney's office ... run.

Also most people don't know when a financial institution sends you the notice you have to be in default other wise its invalid.

a repossession affidavit has to be filed with the court or it is an illegal repo. An illegal repo is bad news for dealers because there also has to be a right to cure filed before the repo affidavit can be granted. This is federal law.
Furthermore the dealership has refused to give me my personal items back such as my wallet, driver's license, cd's and a gift that was in the car. Spoke to the police about that this morning and will be going to the magistrate tomorrow, they refused to give me the corporate office number which would have been a big help I am getting an order from him in the morning for a return of the personal items in the vehicle.

Furthermore for the comment about the bank holding the check for five days that is the policy of Bank of America who is our bank, maybe you should call and check with them before you make comment because you are the one who looks like an idiot and not me, expecially when that check is for 12,000, I was going to pay the Durango off, but not now. I will go find another one expecially after the junk comment. Not sure if this comes from your dealership but I am sure that the judge won't be pleased with it.

The deal isn't done until the down payment is fully paid. The dealer doesn't have to give you the car until it is. He was "doing you a favor" letting you use it, and he's within his rights to take it back if he wants to.

You don't want this car anyway, it is defective. It is unlikely that you will be able to get the other part of the downpayment back (the "Once You Have Their Money, Never Give it Back" doctrine). But if the dealer comes after you for more money or puts bad things on your credit report, you have some legal recourse.

I can't believe that you even let us know about your problem. What problem? YOU were the one who was late. I'm sure that you were told or at least signed paperwork letting you know what would happen if you didn't pay what you were supposed to, when you were supposed to.

What do you mean ....."I had to wait 5 days for the funds to become available after being deposited." That's the craziest thing that I've heard in awhile. Basically that means that you were not going to be able to pay on time. You knew this. Maybe if you had called and told these folks about your predicament, then maybe they would have worked something out with you.

Now's not the time to complain about the car being junk. It was junk when you bought it. You should have had the car checked-out by a qualified mechanic. That's your fault. Hell, it's all your fault that your car was repossessed.

I'm a little ashamed of you. Through the words of your post, you act like you did nothing wrong when in fact, it was YOU who screwed up the deal. You do ALL SOUTHERNERS a disservice by posting such ignorant and ridiculous claims. I would think that someone from such a fine place as Georgia would have a little more sense than that!

Take this little deal as a learning experience and PAY YOUR BILLS ON TIME YA FOOL!