Universal Acceptance Corporation UAC WARNING: Buyer Beware - Be Very Aware Edina Minnesota

I purchased a car from UAC in 2012.   I have had several issues with this company.  I have been in the hospital twice with year and will continue medical treatment well into 2014, and I had to make payment arrangements with them they they are not honoring.

First issue, they constantly call me at work during working hours.  It is again company policy to take personal calls at work, and I have asked them to call me after I get off and I do take their calls when I am not working, but they continue to call several times a day if I am late or even when I'm not late.

Secondly, they call and harassment my friends and family.  This has happened several times over the past year.

Third, they disclosed personal information about my signed agreement with them to a family member and pressured him to make a payment which he finally did to get them off the phone with him.

When I call in to talk with them, I never get the same answer twice.  Communication is inconsistent.  They cannot even give me an accurate account balance or interst rate.  One week, the interest rate is 20% and the next week, the interest rate is 50%.  There is no consistency.

Then there is their "warranty" which is really nothing.  For me to get any warranty work, I have to pay $200-$300 out of my pocket just to get the car looked to determine if there is any warranty work that can be done.  The transmission is out, the starter is out, and the motor was burning 2 quarters of oil every other day before the transmission went out.  It is now sitting in the driveway and unable to be driven.  I still own another year on the card and will have to contine to make payments eventhough I can't drive the car.

What really sucks is that the blue book value on the car is $985.  I have already paid nearly $6000, and I still owe another $3300 principle plus 30%-50% interest; it varies and I never know from one month to the next how much it will be.  Very little I pay goes towards the principle.  I cannot find the contract I signed since I  was moving at the time I purchased the car.  If I can find their physical location, I can file suit against them because they have violated several Federal Trade Laws, but I can't suit until I can have them served.