JD Byrider They set you up to fail Columbia South Carolina

May 16th, 2016, I purchased a vehicle, put $700.00 down, went on deferred payments for $400.00 each on 5/20, 6/3, 6/17 and 7/1/2016. I made a payment of $200.00 on 5/19/2016 to cover the gap insurance for 2 months.  Acct. # 6819409. I made the first 2 payments on time, I found out my sales dropped at work and called them to let them know my payment would be late, they said make as soon as you can, we can pick up the car because you have no grace period, I said OK. I had also asked about my tags, they said they did not have them yet. I sent an e-mail mid June and called a few times asking about my tags and to keep in touch with them about when my next payment would be made.

In the interim, I received a call from Mr. Williams who told me that I was set for recovery and they saw where my payments was made on 6/29/2016, I had a payment due on 7/1/2016 and that payment needed to be made immediately and they had my permanent tags to my vehicle. The dealer tags expired 6/30/2016. So I called them and let them know I would make the last $400.00 payment as soon as I could, advising them again that my pay had decreased, I asked for my permanent tags and then was told they did not have them. I also informed them since they accepted the payment for the vehicle almost two weeks late they breached the contract and accepted the modified terms, I was then told to make the payment as soon as I can. On 6/30/2016, the dealer tags expired, I sent e-mails and made calls about my permanent tags, I was told the message was left with CNAC and no one ever got back to me. I called DMV and they told me I could not drive the vehicle because I would be driving illegally and to get the tags from the dealer. I had to park the car on 6/30/2016.

On 7/14/2016, I made the last payment of $400.00 and called them to let them know I had made the payment and told them I had not been driving the car and to please send me my tags, they then said they did not have them, I informed them Mr. Williams told me last month the tags were there at the dealership and they were holding them because the payment was late, they denied any acknowledgement of this. My first regular payment was due 7/15/2016, I advised the dealer I would pay it on 7/22/2016 and then I would be back on track, because you have accepted the last 2 deferred down payments late this should not be a problem, he then said "Oh, you finished paying off your downpayment"? I said yes..he said the down payment is not refundable and IIf I don't get the regular car payment by tomorrow by 7;00pm, I will have your vehicle picked up. I told him them why did you accept the other 2 payments late and not just pick the vehicle up then? That is $800.00 that you are saying I threw away and I could not drive the vehicle? He said it was in your contract that the down payment is not refundable. I told him that was not right, you should have picked up the vehicle on 6/18/2016 when that payment was missed instead of accepting 2 payments after that, which were both late but now you are saying you will pick up my vehicle because this payment is late? I told him the vehicle had been parked because I was not able to drive it due to expired tags, he said oh well that's not our fault.

They picked up the vehicle on 7/17/2016, I was on my way to get my stuff out of the vehicle and decided to call first and was told that I had to make an appt to get my belongings, so I did. I made the appt. for 7/25/2016, when I got there the vehicle would not crank, I told him probably because it sat for a few weeks, he could not drive it out to me so I could physically get my stuff, I had to rely on him getting my stuff, he said I was not allowed in the bay area. Once I received my stuff, he wanted me to sign a disclaimer that I would not retaliate against their company for the way the sale was handled, I refused to sign it and he said well, I will put a repo on your credit report then. The tag area had a open sign, no one there, they said oh well. The tag/title area had a sign on it saying open M-F, 9 to 3 and I asked if I can go ahead and get the tag that was sent to you for my vehicle, no one was back there and they told me the lady comes in when she wants to and they do not know where she keeps he stuff at. They said we will mail it to you or maybe DMV mailed it to you. I never received the tag for the vehicle.