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Report: #1413229

Complaint Review: JD Byrider/CNAC - Saginaw Michigan

  • Submitted:
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  • Reported By: Irritated — Saginaw Michigan United States
  • JD Byrider/CNAC 6011 Bay Rd. Saginaw, Michigan United States

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In October 2017 after sitting at JD Byrider for 8 hours and test driving 4 different cars I finally purchased a 2005 Pontiac G6 with only 57,000 original miles according to the dealer. Originally I had gone in to JDB two weeks prior because I was interested in purchasing a 2007 Aspen. The truck was beautiful but something about it didn't make sense. The first salesman I talked to about it, all of a sudden had left the company and anytime I asked what happened hours co-workers would change the subject. The day I bought the G6 I was dead set on buying the Aspen. The salesman I worked with that took the place of the one that left, we'll call him "J". J informed me that no matter what I bought I did NOT want to buy the Aspen. I was relentless and wanted to know why. After test driving 4 cars I still wanted the Aspen, so finally I got a bit of truth. The Aspen was a piece of garbage according to J. The engine had blown after several problems and it wasn't even the actual miles they were claiming that the vehicle had. The body, had over 300,000 miles on it but the new engine was what they were claiming on the records with around 140,000 miles. I felt uneasy. J showed me the G6 and I was instantly excited. Beautiful color, heated seats, and what they claimed to be only 57,000 original miles. I was sold. Eight hours later, myself and my two friends finally were ready to leave JDB. I say through several videos, signed the contract and was informed that I had purchased insurance as long as I paid the additional money with my biweekly payments I was covered with insurance and didn't need to worry. Finance informed me that the first payment due two weeks later was for the "promissory note", (JDB'S way of increasing your down payment on paper so your payments on the vehicle are more reasonable for those of us with not so great credit) however the actual "car payment" wouldn't start until December 25th. I honestly was so excited to have a great little car I really didn't care and was so exhausted after being there so day I probably could've been told they needed my left arm and I would've said ok. After two weeks I came into JDB and paid my first payment of $317. A lot of money for a 12year old car. But the way it was explained it was only the promissory note payments that were higher and in December they would drop. It also included the supposed insurance I was paying for. I had also explained to CNAC (JDB'S bank) that they had made my payments due too soon and that I didn't get paid till late night after they were closed so they needed to be changed. I was told I only needed to sign a form and she couldn't find it so I could do it when I made the next payment. The next payment was due on the 14th of November.

I am a CNA and my client had fallen that morning. She was extremely injured and I couldn't leave her side. I called CNAC to tell them what had happened and every time I called I spoke with Nicole. I also talked to Nicole again the 15th and 16th and informed her that I was at the hospital with my client and her family. Eventually my client was transferred to Ann Arbor and I was there every step of the way explaining to Nicole what was going on. There were a couple times I had told her I was going to try and make the payment however given the severity of the situation there was no way possible I could leave to come back to Saginaw or even leave to put money on my prepaid card. The family wasn't even able to pay me my full check because of the sudden emergency. I totally understood and assumed I'd double the payments on the 28th when the next one was due. On Wednesday November 22nd CNAC arrived at my house and took possession (repossessed) my vehicle. I never got a call, a letter, a warning, a threat, NOTHING. The last time I had spoken with Nicole from CNAC I told her I had planned on being home to take care of everything Monday. I guess next time instead of trying to let someone know you're doing everything you can tell them you don't care, is apparent no matter what I said they had already decided what they were going to do. There had been a series of things that just don't add up. First, when I purchased the car I signed the odometer statement that's submitted to the state when your plate is issued. There title for the car has no mileage reported at all. Why did I sign an odometer statement if they failed to report it? That makes me think I was lied to as well about the miles on the G6. Second, the day I bought my car JDB sold the Aspen to an older couple both retired and on disability. How unethical and horrible to take a person's money knowing you're selling them garbage. Also when I realized the car was gone I called Nicole. The answers they gave me as to why the vehicle was taken make absolutely no sense. I went up to the dealer to physically speak with Sara who is the financial manager. She takes me in an office to tell me she refuses to give back the car and she demands almost a thousand dollars to get it back. I was never given a redemption period. Sara tells me I have close of business day to get the money to her. It was already after 2 o'clock. That's less than 4 hours to come up with three times what was even due and then it was only a week late due to unforseen emergency circumstances. As if things couldn't get any worse, my daughter's Christmas presents are in the trunk of the car. I tried to speak with the salesman that sold me the car and Sara threatened to call the police on me. This woman is rude, ignorant and has no business in the position she's in. You do not use personal judgement or experience in a professional environment when making decisions about if a person is "deserving" to get their vehicle back. I did everything anyone else that purchases a car there does and finances are not an issue. Why is it she had made a comment stating" she didn't feel I could get the car back and she decided she was ending my contract". Does she not realize that the minute they falsified a state document for application of title the contract was already breached or is that the reason they picked the car up. Sara then informs me that I need to just walk away so she can take the car off my credit and then resell the car to someone else. That's the most ridiculous thing I've ever heard. Sara also told me that the extra money they were charging me every month was NOT insurance at all. It was only coverage in addition to the state minimum insurance that I had to pay for also. The coverage they provide that I was paying for only covers the car if something happens that insurance won't pay for. In other words the deceived me and when I didn't catch on they took my car.

My daughter is 9 years old, diagnosed with both depression and anxiety. That car gets her to and from counseling appointments and Ann Arbor for the joint pain she's suffered since she could speak. JDB or CNAC don't care. They don't care about the elderly couple that will spend their life savings fixing that bucket Aspen they sold them. They don't care about the hundreds of other people they've done this to. Someone needs to step up and help. If there is any attorney out there willing to take this case I will put them to shame with the lies and all the crap they feed these poor consumers. People buy cars there because they don't have many options, but that doesn't give them the right to take advantage of people. I also found out they don't even have an active General Manager so Miss Sara has taken it upon herself to act as such. Go back to your desk and your calculator and leave the real job to the people that know how to do it. You couldn't even run a daycare why are you making decisions that ruin people's lives!!

This report was posted on Ripoff Report on 11/23/2017 04:30 PM and is a permanent record located here: https://www.ripoffreport.com/reports/jd-byridercnac/saginaw-michigan-48603/jd-byridercnac-sara-financial-manager-they-repossessed-my-vehicle-after-no-letter-no-n-1413229. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
4Author
7Consumer
0Employee/Owner

#11 Consumer Comment

Invalid Logic

AUTHOR: Robert - (United States)

POSTED: Tuesday, November 28, 2017

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

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#10 Consumer Comment

Subprime for Life?

AUTHOR: coast - (United States)

POSTED: Tuesday, November 28, 2017

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.

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#9 Author of original report

Completely disgusted

AUTHOR: Finished - (United States)

POSTED: Monday, November 27, 2017

 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.

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#8 Consumer Suggestion

Recommendation

AUTHOR: coast - (United States)

POSTED: Monday, November 27, 2017

"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.

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#7 Consumer Comment

Exactly...

AUTHOR: Robert - (United States)

POSTED: Sunday, November 26, 2017

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.  

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#6 Author of original report

No time to even bother with ignorance such as yours

AUTHOR: Ignorance is bliss - (United States)

POSTED: Sunday, November 26, 2017

 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!

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#5 Consumer Comment

Another Sub-Prime borrower

AUTHOR: Robert - (United States)

POSTED: Sunday, November 26, 2017

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.

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#4 Author of original report

Sounds easy.....

AUTHOR: Irritated - (United States)

POSTED: Sunday, November 26, 2017

 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.

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#3 Consumer Comment

Simple Resolution

AUTHOR: coast - (United States)

POSTED: Saturday, November 25, 2017

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.

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#2 Author of original report

You must work for a dealership

AUTHOR: Annoyed - (United States)

POSTED: Friday, November 24, 2017

 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.

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#1 Consumer Comment

Send money not excuses

AUTHOR: coast - (United States)

POSTED: Friday, November 24, 2017

 "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.

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