Report: #427253

Complaint Review: Jd Byryder Cnac - St Clairsville Ohio

  • Submitted:
  • Updated:
  • Reported By: Crescent Pennsylvania
  • Jd Byryder Cnac 67701 Mall Road St Clairsville, Ohio U.S.A.

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I bought a car in 2003, because i did not have good credit, i went to jdbyrider, which i soon found was a mistake. The interest they said i would be paying was not what it actually was. I was told 19.9 percent, but it said in the paperwork almost 29 percent. The car was probably bought at an auction for about $1,000 and they put a price tag of about $5,000 on the car. My monthly payments were to be approximatly $379 if I remember correctly.

I had a hard time affording that. I became late with payments, and they called me at my place of employment, they harrassed me and embarassed me in front of my superviser. I told them to come and get it, that I didn't want it anymore. I simply couldn't afford it, what with full coverage insurance and all my other expenses. I was bad judgement on my part, i do admit. I thought i would be able to afford the car when i got it, but lost hours at work and i tried to explain my situation. After approx 6 months they came to get the car.

I saw that they were reporting the full purchase price on my credit report. I also know that they are not allowed to do that, not if they resold the car, which i am sure they did. If they sold the car for a lower amt than on my credit report they can only put the difference on my credit report. I disputed it with experian, and within a month it was taken off my credit report.

I encourage everyone to at least try this. I wrote on my dispute that i happen to know that they resold the car and that I can prove it. I hope this helps someone out there.

Crescent, Pennsylvania

This report was posted on Ripoff Report on 02/22/2009 06:33 PM and is a permanent record located here: https://www.ripoffreport.com/reports/jd-byryder-cnac/st-clairsville-ohio-43950/jd-byrider-getting-even-with-jdbyrider-st-clairsville-ohio-427253. 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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#2 Consumer Suggestion

Words of Wisdom to live by when purchasing a vehicle

AUTHOR: Tammy - (U.S.A.)

POSTED: Thursday, March 12, 2009
I have read many reports on here pertaining to Oak Motors and JD Byrider - and they are all basically the same. I do not mean to sound cruel here, but many of the reports filed have many easy grammatical errors (thay - THEY, mader - MATTER for just an example here), which makes one wonder if that is not the main problem here.

I understand having to purchase from a buy here pay here as my credit is not the best either, and I have had to purchase this way before. However, my purchase was from more of a Mom/Pop operation so that may have had more to my better experience. Why would you sign a contract when they told you one thing, then the paperwork reflected something else? Too many people, I've come to see after reading so many of these reports, are afraid to speak up when they need to. You got very lucky in getting it removed from your credit report, but you better re-check it here in a while, as they were informed and the correct price may be on there now.

Ok, this is for anyone going ANYWHERE to buy a used vehicle:

1) Do not be in such a hurry that you have to sign something that day. Take the vehicle on a test drive and to a mechanic. Have the mechanic look for the most obvious - oil, brakes and the such. NO MECHANIC WILL BE ABLE TO TELL YOU IF SOMETHING IS GOING TO HAPPEN A FEW DAYS, FEW MONTHS OR EVEN A MONTH LATER! They can not tell you if the motor is going to blow, it's going to need a tune-up in the near future and so on. My ex was a mechanic and lost a couple of friends over this little fact.

2) If you have found one you like, get the best price you can get them down to and tell them you will think about it. Be realistic - the chances of someone being interested in the same vehicle are low - just a ploy. The 'this offer is only good for tonight' is also just a ploy. Go home and do research!! Check the blue book price and go back prepared!!

If they still don't want to give you what you want to pay then tell them there is another lot you can go to and walk off the lot. Chances are you are not going to get your car! My Grandfather & Grandmother (which later became me helping him) would go into the office and when the salesperson started with the offers Grandma would say "Clyde that other place told us so & so" or "Clyde I just don't think we can afford that right now" and it worked. We also had to walk one time and sure enough didn't get to the car!

3) If repairs need to be made, such as brakes, steering, belts, make sure it is covered in the contract!!!!!!!!! If they won't - then walk - same as above. Why didn't I say oil change? My ex always said it doesn't matter if they did it there, ALWAYS do it yourself along with cap, rotor, and wires. If you don't know what I mean there, then ask a mechanic.

Again, not the dealer or a mechanic is going to be able to tell if the engine is going to blow the day after tomorrow, as well as some other major things, so keep that in mind. If there is something that has had to be repaired more than three consecutive times there is such a thing called the 'Lemon Law' and this pertains to used as well as new. If they are still unwilling to budge, it's wonder what a call to the BBB and/or Consumer Board at the Mayors office can do!

4) Make sure you FULLY understand what you are signing. You are dealing with a buy her pay here, so they are not going to be as lenient as a finance company. If you are going to have problems making a payment don't just rely on a phone call. GO to the office and tell them and get it in writing!!!!!!

They don't care if you been paying on it for a couple of weeks or several years, a contract is a contract and never, never, ever ASSUME they are going to be understanding if you are a couple of days late and you don't call them. Do you know how many times that happens to them and people move and they can't find them???? How much do you think they are out of then?

5) If they repo a vehicle they have every right to turn around re-sell it or auction it and charge you for the amount outstanding that they did not get. There is nothing against the law on that one. I myself have been a victim of this in the past and it was not with a bhph, it was through a regular car lot and finance company. ANY loan company has the right to call the loan at any point in time. FULLY understand what you are signing, do not make assumptions. If you do not understand something then ask. If you don't like their answer then have someone knowledgeable to read it!

6) As far as finance charges go, you are buying from a bhph, which means you obviously have not so good credit. EVEN if you were to go to a new/used dealership with a co-signer you would probably still be paying that high interest rate. Again, I know from experience.

Again, I do not mean to sound derogatory in this - but if you walk in acting like you are a hick and don't know s**+* from shinola, they are going to try to take you for every thing ya got!

Please people, wise up and be informed!
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#1 Consumer Comment

Whats the difference?

AUTHOR: Joe - (U.S.A.)

POSTED: Monday, February 23, 2009
Whats the difference what the interest rate was? You knew what the payment was. How do you know how much the dealer paid for this car and how do you know where he purchased it? Why is it this dealerships fault that you are a deadbeat and can't afford to pay your bills????
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