JD Byrider/CNAC Sara, financial manager They repossessed my vehicle after no letter, no notice, no nothing and won't give me a redemption period when they had no right to take it in the first place. Saginaw Michigan

They can sell this same vehicle a hundred different times and every time pick it up just before the second payment and resell it again

This is not a case of them just randomly taking your car just because you hadn't made the second payment yet.  This is a case where you were late and they took the car back per the contract you agreed to.  This is a case where you indicated you could not pay on the due date because you didn't have even a few minutes to get a pre-paid card for 3 days.  But then for several days when you appeared to have the time it became a case of you "assuming" you could just make a double payment at the next payment because you didn't have the money yet.

It appears you never actually ever communicated with them your "asumption" of making a double payment.  So perhaps if you had things would have been different.  Perhaps they would have said no problem, perhaps not.  But you did not even give them the chance and that was a mistake.

So yes in answering that comment.  If they sell it again and those borrowers become delinqent as well, they would do the exact same thing.

But actually having them do that was the best thing that could have happened to you. Because you did not even make it to the second payment before you became late.  History and Statitics would show that the odds are you will be delinquent again. The only difference is that when you were delinquent at a later time, they would reposess the car and charge and instead of being off the hook, you would be legally responsible for any deficency balance as well as having a Repo on your credit.

As for the payment you did make..sorry it is very unlikely you will get any of that back. You may get some of the down payment back based on the charges for the time you did have the car...but you don't get a free ride.

Unforutnatly it comes down to this.  Until you realize the consequences of your attitudes on credit and responsibilities you will be stuck with sub-prime lenders for quite a while to come.

Good Luck

Yes, of course they can repossess the vehicle several hundred times if several hundred borrowers default on the loan.

You repeatedly complained that they would not permit you to obtain the car during the redemption period but when they agreed to it you told them to keep the car.

Unless you change your attitude and start honoring your financial obligations you will be dealing with subprime lenders for a long time to come.

 The whole reason for me even filing anything on rip-off report is to prevent other people from getting taken by this place. As far as my situation is concerned, I spoke with the GM of the location this morning that says yes no problem come get your belongings from the car. Ok great! He also stated that he is the one that makes the decisions about what cars to repo and what cars not to. Apparently there's a clause in the contract that released the contract of both parties if the second payment has not been made.

So, I asked about my down payment and money they have received from me. Then I'm told that there's a charge daily for driving the car. I'm sure there is. So he tells me that it's $844 to redeem the vehicle within the 15 days. Then he says, no no wait a minute, it says here you signed a mutual release of contract. Basically I told JD Byrider to keep the car lol. I told him I never signed that. I want my car and my stuff.

If I bring you the$844 I can do that then? No, we're not able to give you the vehicle. So lemme understand this.... They can sell this same vehicle a hundred different times and every time pick it up just before the second payment and resell it again. No one sees anything wrong with this. Fine, I'll just walk away from it all. Then when it's still on my credit and I get hit with$10,000 collection for a twelve year old car, what action can I take. None, because I rolled over and took it.

"They refuse to return my property that's in the vehicle. They also have failed to provide any documentation as to this late payment, how much the repossessed vehicle is during this redemption period and what I'm being charged for redeeming the car. ” Send them a letter via certified mail requesting the total amount required to redeem the car. Do this quickly because time is running out.

As for my 9 year old daughter, she comes with me everywhere I go. She is home schooled full time and a gifted little girl.  What exactly that has to do with a dealership like JD Byrider preying on consumers I'm really not quite sure.

- Exactly.  So why did you mention her in your post?  I didn't bring this up out of thin air..YOU are the one who is using your daughter to try and gain sympathy.  By the way have you talked to her doctors about perhaps you dragging her every where you go may have something to do with her anxiety and depression.  After all I am sure that being held up with you in a Hospital Room for 3 days without even enough time to go down to a store and purchase a pre-paid card isn't exactly what she would like to be doing.

Second and foremost, regardless of the contract there are laws put into place strictly for the consumer. Like "lemon laws" and Michigan State laws for contractual obligations on the part of the obligee (that means me for those of you that like to run your mouth) to be protected when the obligor doesn't fulfill the contract

- You bought a 10 year old car LEMON laws have NOTHING to do with this. Again...you posted this for one purpose to deflect from the real issue.

It's so innocent consumers do not get screwed by these fly by night companies that go out of their way to take money that's  not rightfully theirs and explain contracts in layman's terms when that's not even what they say and the person reading you the contract can't even pronounce the words correctly.

- I bet you didn't have a problem with them when they were there to allow you to buy a car, and probably the only lender at that. It was only after YOU were late and they held you to the contract that they are all of the sudden evil.  Of course if you did have a problem with that, one has to wonder why you would continue with the sale?

Oh but that's right, your way too smart to do that. Instead you drive your grandma's Cutlass and live in your Mommy's basement
- Well if that was true at least I would be living within my means and not trying to blame everyone else for the sitution I found myself in.

OIkay for what it is worth, I do hope that it works out the way you want, and if it does...great.  Just realize that even though it would be "nice" if they were compasionate or try to work with you(aka allow you to do what ever you want) they are under no legal obligation to do anything more than the law and the contract states.  And you have shown no specific law or specific clause in the contract they actually violated...only what you "think" they should do because of your situation.  

 Honestly I could care less as to even read your entire rebuttal because ignorant people such as you have no time to look at the way our society has changed in the eye of the consumer. As for my 9 year old daughter, she comes with me everywhere I go. She is home schooled full time and a gifted little girl. What exactly that has to do with a dealership like JD Byrider preying on consumers I'm really not quite sure. I would suggest someone such as yourself go take a law class and obtain ANOTHER useless degree since you seem to be the type of person that would rather bury themselves in useless knowledge instead of dealing with the realities of society. Lemme guess, you must be some sort of gamer or computer programmer. People that interact everyday with other humans don't pass judgments such as yours. We try and work things out as humanely and rationally as possible. The reality of the contract I signed and what's really happened here are two different things. Never once did I say that I was NOT late on my payment. I haven't even owned the car a month and yes I was a week late. Second and foremost, regardless of the contract there are laws put into place strictly for the consumer. Like "lemon laws" and Michigan State laws for contractual obligations on the part of the obligee (that means me for those of you that like to run your mouth) to be protected when the obligor doesn't fulfill the contract. I have a fifteen day redemption period no matter what. And as for you hoping I get what I deserve. I think I already have but being subjected to your ignorant rants pertaining to karma or whatever it is you think it's going to teach me a lesson. Do you people even know what this website is for? It's so innocent consumers do not get screwed by these fly by night companies that go out of their way to take money that's not rightfully theirs and explain contracts in layman's terms when that's not even what they say and the person reading you the contract can't even pronounce the words correctly. Get a clue! I'm not trying to get anything out of this. I think I've gotten enough bull for a lifetime thank you. So the next time you want to COMMENT on my post why don't you realize I wrote it so morons like yourself don't go buy a car there. Oh but that's right, your way too smart to do that. Instead you drive your grandma's Cutlass and live in your Mommy's basement playing World Of Warcraft with 11 year old little boys all day!

Another Sub-Prime borrower who thinks that they can just change legal agreements they signed.

3/4 of your report is just fluff that is unrelated and has no bearing on the repo. The only reason you put it in your report is to try and defect the real reason for the repossion and to try and convice people(including youreslf) that none of this was your fault.

I just want to say that I hope that client pays well. After all what you have posted here is that as a PRIVATE CNA, you traveled over 80 miles to stay with your client. You at no time over 3+ days(14th,15th,16th) had the chance to leave their side.  So what did you do with your depressed, anxiety ridden, 9 year old daughter who also suffers from joint pain? Did you leave her to fend for herself?

But then we get even more excuses. In that 3 day period you didn't have a single point of time to go down and load a pre-paid card or send a money gram to them.  Was the hospital staff that incompetent that the REGISTERED NURSES and DOCTORS at the hosptial couldn't watch your client for the 30 minutes this would have taken you? Even an hour I think your client would have been fine.  If not then you need to contact the State ASAP as that hospital needs to be shut down and as a CNA it is your legal duty to report all of the violations you must have seen. 

As for the repo. This may be a shock for you but they are not a charity. Do you really think that all of the paperwork and videos they had you review was because they trusted you or had no intention of getting their money back? The notification that you could get the car reposssed was in the original loan documents that YOU signed and basically stated that if you became deliqnuent they had that right.

As for this magical 15-Day right of redemption. That is one thing you got almost right. You do have 15 days, but that is 15 days to pay off the ENTIRE loan as well as any reposseion and storage fees. They are under ZERO oblgition to just allow you to "catch up".  Now, of course they could do that if they wish but anything they do above requiring you to pay the full loan balance isn't something they are required to do.

Oh and NO I do not work for them or any dealer. And if you think they are any different you will find most finance companies don't take too kindly to people who don't make their payments.

 There's just one problem, I've been back there since last Wednesday when it was originally taken there times now. They refuse to return my property that's in the vehicle. They also have failed to provide any documentation as to this late payment, how much the repossessed vehicle is during this redemption period and what I'm being charged for redeeming the car. You don't just show up with 11,000 dollars in hand or why would you finance the vehicle to begin with. I'm fully aware of the law, the problem is this is not being done following it. I talked with several people working for this dealership and finally made a little headway. I do know that Sara is not the GM for them nor does she have the right to take a car n disappear without it returning my belongings or using a statement or notice of funds due. If there's anyone that's actually resolved this sort of a problem their input would be much appreciated. Thanks.

In Michigan, the lender can repossess the vehicle without prior notice. The borrower has 15-days following the repossession to pay off the loan plus repossession fees to redeem the car. Ignore their demands for immediate payment. The seller knows the law so just show up with the full balance due on the loan plus repossession fees within 15-days following the repossession and they will return the vehicle to you.

 Regardless of my failure to make a lousy $270 payment on a 12 year old vehicle there are still LAWS. Including a 15 day redemption period. Before you make comments about what's relevant information do some research. Read a book not my post and find something better to do with your time. Like read ALL the other reports regarding JD BYRIDER.

 "there was no way possible I could leave to come back to Saginaw or even leave to put money on my prepaid card” Unless there are no mailboxes in Saginaw or Ann Arbor you could have mailed them the payment. All hospitals have mail drops. They all sell stamps and envelopes. Most of your report contains irrelevant information. Your complaints about the Aspen, insurance and odometer reading are just attempts to mask the fact that you failed to honor the terms of the financial agreement. The repossession was justified.