DriveTime ripoff Gilbert Arizona

I bought a car from DriveTime in April. Before I was even able to make a payment I was hit in an accident that totaled out the car.

My insurance of course paid what the car was worth but I was left with a $3348.23 debt for the remainder of the sticker price. The only loss prevention was that they wanted me to pay $600 and I could be in a new car.

I had already put $1100 as a down payment. I had to see a chiropractor due to the accident and did not have $600. They wanted me to still pay $196 every 2 weeks for a car I did not have.

They agreed to accept $100 every 2 weeks until October. I paid on time every 2 weeks like I had agreed. This was an attempt to rebuild my credit.

They called me on 6-18-04, a week before my payment was due. They confirmed that some one had entered the wrong date and it would be fixed. On 6-19-04 I got a call for the same reason and when I told the person of the call on the 18th, the woman was rude with me.

I work the graveyard shift so these calls woke me up. And on 6-21-04 I got another phone call for the same reason. I set them straight and filed a complaint on the Federal web site for unfair credit practices.

I continued to make my payments as per the agreement. I even have notices DriveTime sent me as to when my next payment was due and how much. These notices confirm my agreement.

I called On 8-5-04 to make my payment and was told my account was in charge off, but they did accept my payment. Now I have this charge off on my credit even though I upheld my end of the agreement.

If I hadnt paid my account would have been a charge off. They wanted to hold me to the original agreement. I no longer had the car, however if I had paid them as much money as my insurance company did I would have been over 40 payments ahead of agreement.

I did not want to buy another car with a company the did not offer GAP insurance. I did not know this or I would not have bought the car.

I want to know what I can do to take care of this. I upheld my end of the dept repayment and they ruined my credit and gave me hours of phone argument.

I tried to take care of a debt and the end result is the same as if I hadnt paid them a dime. I feel I was punished for being honest and now I want this debt removed from my credit since I upheld my end of the agreement and they breached the agreement when they called 3 times to collect a debt that wasnt due yet.

Vickie
Apache Junction, Arizona
U.S.A.