Drive Time - Ugly Duckling, Another Victom of the Drive Time (Montecarlow) Monte-car-loan Mofia Brothers ! Phoenix Arizona

I bought a car from Drive time, made all my payment, paid the payoff amount, was waiting for my title in the mail, instead I get a phone call saying I owe 896 bucks plus interest on it cuz it is last and I have 10 days to pay up, I argue with them and they argue back, I talk to the Reginal Manager a mousy lil snot with his head up his A**, he disrespects me and laughs at me.

I hang up and go threw all my payment then realize the $800.00 I put down on the car is not on the original contract, and that there was a buy down that if you put X amount of dallors down your interest drop's from 24% to 21% to 18% ...ect the more you put down the more it drops, this is an insentive to get you to put more down on your car.

I only had $800.00 which I barrowed from my Aunt who was there with me when I bought the car, she handed me the cash and I gave it to the sales woman who was doing the paper work, it was late about 7pm and they were rushing me out as they wanted to go home, so we rushed threw the paper work, I did not have a job at the time and I started my new job the next day at 4am so I to was tired and ready to get my car and go. My credit was bad as I had not been working and bills piled up.

So I took my paper work and car and started to leave and the told me I had to pay for insurance to leave the lot, so I went back in and wrote a check for $150.00 for one day of insurance or (23 hours) then I left I never check the contract after that day. I just made my payments. So now Im checking my contract and see that there was no notation of my down payment of $800.00 and my interest never dropped from 24% to 21% with the down payment.

So I call the company and tell them I found the error that no one put my down payment on the original contract, which was my only reciept. And they say if its not on there it never existed in our eyes, I said I have my Aunt who was there who loaned me the $800.00 dallors and saw the transaction happen with the money, they said that was not good enough I needed a reciept and if I didnt pay they would take my car and it would reck my credit.

I asked them if they ever in there entire life doing buisness ever let a person with out a job and bad credit walk into one of there car lots and walk off with a car with no money down. They said "NO" but if you dont have a reciept then you cant prove it. So I can let them take the car and file a civil suit and get all my money back but then Im without a car for 6 months to a year till I go to court, because I have a witness, or I can pay them the money they say I owe and do a class action against them, Which they will have to pay me the difference in 24% and 21% interest for 5 years and plus return my $800.00,

So that is what I want to do, If I could go with out a car and let them take it, then file a civil case I would get all of my money I paid for the car and be done with this $4,000. piece of junk and get my 18 grand I paid for it back and buy a real car, wish I could do this but I cant do without a car for that period of time till I go to court. So Im here with all of you wanting to join a class act suit.

James
Buena Park, California
U.S.A.