Universal Acceptance Corporation - UAC Heartless Edina Minnesota

I have had perfect payments with UAC. This is my 2nd loan through UAC. My first loan I paid off, with no late payments...not ONE! I wanted a better vehical, and figured now that they know me and I'm not going to be a bad customer, they would give me a better vehical. And they did. I have had my Explorer since August 2007. I still have never missed any payments. In October of 2008, I had been laid off from my job. I continued to make payments on a regular basis, filed for unemployment, depleted my accounts down to zero just trying to keep my family affloat. I was in contact with UAC and to let them know what was going on and that I was sorry, but I will do the best I can, and make some payments every month to try to keep up and to let them know I wasn't going to dive out on them. They were rude and made me feel like a bad person because I couldn't make my full payments. And everytime I would call them, they would always ask, "You want us to come and get the car then?" or "You can donate Plasma, they will pay you 30 dollars a time!" or "You really need to make a payment on this, you have NO grace period." They have asked me to donate plasma, borrow money from friends and family, pawn my belongings. I need to remind you I have been with UAC for over 3 years, and to be treated like this is horrible, especially in this time of the economy. I have now found out that my job is no longer available. I am getting 178 dollars a week from unemployment. I've been sending UAC 75 dollars a week, and they are still giving me harrassing phone calls and saying that I'm in rears, and they can take my income tax refund, and reposses the car. And all this is happeneing WHILE I'm making some sort of monetary payments...I couldn't imagine what would happen if I didn't make ANY payments. I asked them, if they reposses the car, then I'm not liable for anything, right? Not the case.....THEY say...they would reposess the car and sell it at auction and then minus that off of what I owe. Do they think I am dumb? THIS is what they will do...they will reposess the car, put it back on the CarHop lot, and sell it for another $9,000. They are not going to auction a vehical off for a petty grand when they can get 9 grand, you know what I'm saying? And FYI, the second time I bought a car...they guy who sold it to me said he was surprised to see a white girl come in, he usually only deals with blacks...I took HUGE offense to that. Who cares what color I am, ANYONE can have financial diffuculties. So, apparently, a little racist too. Which I thought was funny due to the fact that over half of their employees at UAC are African American. Beware of this company...heartless, money hungry, crooked, sons of a b******.

Elissa
Morristown, Minnesota
U.S.A.