Complaint Review: Triad Financial - Road Loans - Huntington Beach California
- Triad Financial - Road Loans 7711 Center Av:Suite100 Huntington Beach, California U.S.A.
- Phone: 714-373-8300
- Web:
- Category: Car Financing
Triad Financial - Road Loans Ripoff unfair lending ruthless-will ruin your credit Huntington Beach California
*Consumer Comment: Another Subprime Whiner!
*Consumer Comment: Your response was idiotic ...read his rebuttal again
*Consumer Comment: Not Her Fault
*Consumer Comment: I'll stand by comments...
*Consumer Comment: It's not her fault
*Consumer Comment: It's not her fault
*Consumer Comment: It's not her fault
*Consumer Comment: You did it to yourself...
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
Ripoff Report
willing to make a
commitment to
customer satisfaction
Click here now..
I too had a car from this company my intrest 25% inetrest. Car note was 347.00 a month I had constant problems out of this car between having it repaired every other month to just sitting in my yard for close to a year I still, paid these people. I got calls 7-8 times per day even if i did a check by phone & you could see that by pulling up my account. I still got calls, I finally gave the car back, I called them to come & get it ! Then after I chose for them to come & get it! They stopped calling me & everytime I did get through to a MGR. asking them why haven't they sent a truck out to get it. They let the car sit in my yard for almost 2 months before they decided to send someone out to get it.
Sadly to say the nicest person I did talk to was the REPO guy. I told him how to get to my house & left him the key & everything. They sold my car @ auction for around $3,000 I recieved a Deficiency letter telling me I will still have to pay them 6000.00. I had that car for close to 5 yrs paying 347.00. And I still owe that kind of money for a 2000 Mazda that already had 30,000 miles on it when i bought it. Yes I want to be in this lawsuit. I do not want money out of this !!I want this account deleted from my credit! I paid rather well with these people. But if it take having the whole account deleted from my credit where I would also loose the good marks made by me through paying them on time SO BE IT! THESE PEOPLE PREY ON people fresh out of bankrupcty offering a new start on life & I fell for it! HOOK, LINE & SINKER!! I wish I had never knew these people . Yes I want in on the CLASS ACTION SUIT!! I WANT THIS OFF MY CREDIT IF I DO NOT GET ANYTHING ELSE!! I DO NOT WANT MONEY I WANT THEM REMOVED FROM MY CREDIT FOREVER!! PLEASE INCLUDE ME IN THIS CLASS ACTION SUIT!!
Vicki
Pine Bluff, Arkansas
U.S.A.
This report was posted on Ripoff Report on 08/10/2006 01:37 PM and is a permanent record located here: https://www.ripoffreport.com/reports/triad-financial-road-loans/huntington-beach-california-92647/triad-financial-road-loans-ripoff-unfair-lending-ruthless-will-ruin-your-credit-hunting-205481. 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
If you would like to see more Rip-off Reports on this company/individual, search here:



#8 Consumer Comment
Another Subprime Whiner!
AUTHOR: Jim - (USA)
SUBMITTED: Tuesday, July 05, 2011
The OP was subprime before this loan because the OP made their own reputation for not paying their payments on time. Now into this loan, true to form and just like clockwork, the OP continues to live up to that reputation. Not only that, the OP quite obviously does not understand finance. So OP why don't you take your case to an attorney? If you find one will stop laughing, maybe he/she will in very simple grade school English will explain all about the world of finance to you. Some subprime buyers learn their lesson and actually improve their credit reputation. All to often however, the typical case is they stay subprime for life and blame everybody else. So you see...being subprime in many cases means having a subprime welfare type mentality.

#7 Consumer Comment
Your response was idiotic ...read his rebuttal again
AUTHOR: OnceMe13 - (United States of America)
SUBMITTED: Monday, July 04, 2011
Do yourself a favor and learn about business ethics or just Moral obligation
I am glad there was somebody smart and brave enough to write that rebuttal.
I have been a Banker for along time working for Citibank, Wellsfargo and Bank of the West and the
business practice that Roadloans or Santander group are using are the same tactics these banks
use. Wellsfargo just got out of a class action lawsuit and BOA still in theirs.
I came to this website after hearing about its association with Banco Santander. A bank whose stock I own and will think about selling. This association with him will blow up in there face..
Go Dolfins13

#6 Consumer Comment
Not Her Fault
AUTHOR: Tc gift store - (U.S.A.)
SUBMITTED: Friday, June 24, 2011
Yes a contract is a contract, but if that is so then why does Triad (Road Loans) not follow the same rules? Just because someone has signed a contract, does not make it right. Maybe we should look at the moral inplications first. We would have to do a lot more investigation to see if she had been harmed, but you might want to look at all the complaints against this company before you defend them with she did it to her self because she signed a contract,
I will be more than happy to have YOU sign a contract and then I will not follow my end of the deal and when you complain, remember YOU signed a contract so it most be a deal.

#5 Consumer Comment
I'll stand by comments...
AUTHOR: John - (U.S.A.)
SUBMITTED: Thursday, August 24, 2006
No one put a gun to the OP's head and forced them to sign. Once the contract is signed, there is no queston as to what the buyer's responsibilities are. The other contentions are just superfluous. If the terms of the contract were not clear enough, or if she did not understand what she was signing, she should've never signed the contract. There is no question that this is probably a company that nobody with other options should choose to do business with. However, that does not mitigate the ramifications of a signed contract.
Banker John

#4 Consumer Comment
It's not her fault
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Wednesday, August 23, 2006
In response to your rebuttal to the person above you. She did not do it to herself as you suggest.
There are many examples of Triads unethical practice of recieving payment, and the actions they take after they recieve them.
Triad routinely was purposely not recording payments on vehicles, and then tacked on late payment fees or higher interest and immediately reporting an unjustified late payment to the credit agency.
Triad has also been known to illegally repo cars to intimidate people into making payments. They also have done things like accepting full payment on vehicles, and then repo the car later stating there were other charges due.
This is after the person recieves from Triad a letter that states that they have accepted the payment as in full and with no outstanding balance.
Your claim that she did it herself is without sufficient evidence. Triad is an unethical finance company that lures people in with the claim of easy financing, and affordable rates for people with credit problems.
They literally and out right lie to unsuspecting consumers. I have done an investigation into the company and have found just in this city alone that there is as high as a 30-40% repo rate on vehicles financed through these people routinely.
Their conditions of payments under the contract are often myered in legal babble no one can understand at the time they are pressured in to purchasing the vehicle.
They are literally counting on the fact that no one reads the small print or any of the sections of the contract that stipulate specifivities of payment and late or non-payment.
Your claim to the above person is without merit, and not backed up by anything other than she signed the contract. That does not mean she wasn't, coersed into siging the contract before she was able to understand the entire terms of the contract.
That is the norm for high pressure car sales people. They employ tactics of distraction, and intimidation by way of the presence of the sales persons often domineering attitude.
They create atmospheres of anxiety by pretending to cut the potential buyer a break on the deal. And they rip through the general conditions of making the payments without alerting the potential buyer to the terms they're subject to if they are late or miss a payment.
So you walk out the door thinking you got a good deal until the first payment comes, with the previously not mentioned finance charge that is usually higher than the payment agreed to at the time of purchase.
Until you can substantially prove these things to be false your comments are without proof and sound more like a Triad employee who knows all of the above and is attempting to shift the blame to the consumer.

#3 Consumer Comment
It's not her fault
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Wednesday, August 23, 2006
In response to your rebuttal to the person above you. She did not do it to herself as you suggest.
There are many examples of Triads unethical practice of recieving payment, and the actions they take after they recieve them.
Triad routinely was purposely not recording payments on vehicles, and then tacked on late payment fees or higher interest and immediately reporting an unjustified late payment to the credit agency.
Triad has also been known to illegally repo cars to intimidate people into making payments. They also have done things like accepting full payment on vehicles, and then repo the car later stating there were other charges due.
This is after the person recieves from Triad a letter that states that they have accepted the payment as in full and with no outstanding balance.
Your claim that she did it herself is without sufficient evidence. Triad is an unethical finance company that lures people in with the claim of easy financing, and affordable rates for people with credit problems.
They literally and out right lie to unsuspecting consumers. I have done an investigation into the company and have found just in this city alone that there is as high as a 30-40% repo rate on vehicles financed through these people routinely.
Their conditions of payments under the contract are often myered in legal babble no one can understand at the time they are pressured in to purchasing the vehicle.
They are literally counting on the fact that no one reads the small print or any of the sections of the contract that stipulate specifivities of payment and late or non-payment.
Your claim to the above person is without merit, and not backed up by anything other than she signed the contract. That does not mean she wasn't, coersed into siging the contract before she was able to understand the entire terms of the contract.
That is the norm for high pressure car sales people. They employ tactics of distraction, and intimidation by way of the presence of the sales persons often domineering attitude.
They create atmospheres of anxiety by pretending to cut the potential buyer a break on the deal. And they rip through the general conditions of making the payments without alerting the potential buyer to the terms they're subject to if they are late or miss a payment.
So you walk out the door thinking you got a good deal until the first payment comes, with the previously not mentioned finance charge that is usually higher than the payment agreed to at the time of purchase.
Until you can substantially prove these things to be false your comments are without proof and sound more like a Triad employee who knows all of the above and is attempting to shift the blame to the consumer.

#2 Consumer Comment
It's not her fault
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Wednesday, August 23, 2006
In response to your rebuttal to the person above you. She did not do it to herself as you suggest.
There are many examples of Triads unethical practice of recieving payment, and the actions they take after they recieve them.
Triad routinely was purposely not recording payments on vehicles, and then tacked on late payment fees or higher interest and immediately reporting an unjustified late payment to the credit agency.
Triad has also been known to illegally repo cars to intimidate people into making payments. They also have done things like accepting full payment on vehicles, and then repo the car later stating there were other charges due.
This is after the person recieves from Triad a letter that states that they have accepted the payment as in full and with no outstanding balance.
Your claim that she did it herself is without sufficient evidence. Triad is an unethical finance company that lures people in with the claim of easy financing, and affordable rates for people with credit problems.
They literally and out right lie to unsuspecting consumers. I have done an investigation into the company and have found just in this city alone that there is as high as a 30-40% repo rate on vehicles financed through these people routinely.
Their conditions of payments under the contract are often myered in legal babble no one can understand at the time they are pressured in to purchasing the vehicle.
They are literally counting on the fact that no one reads the small print or any of the sections of the contract that stipulate specifivities of payment and late or non-payment.
Your claim to the above person is without merit, and not backed up by anything other than she signed the contract. That does not mean she wasn't, coersed into siging the contract before she was able to understand the entire terms of the contract.
That is the norm for high pressure car sales people. They employ tactics of distraction, and intimidation by way of the presence of the sales persons often domineering attitude.
They create atmospheres of anxiety by pretending to cut the potential buyer a break on the deal. And they rip through the general conditions of making the payments without alerting the potential buyer to the terms they're subject to if they are late or miss a payment.
So you walk out the door thinking you got a good deal until the first payment comes, with the previously not mentioned finance charge that is usually higher than the payment agreed to at the time of purchase.
Until you can substantially prove these things to be false your comments are without proof and sound more like a Triad employee who knows all of the above and is attempting to shift the blame to the consumer.

#1 Consumer Comment
You did it to yourself...
AUTHOR: John - (U.S.A.)
SUBMITTED: Thursday, August 17, 2006
1) You signed a contract and failed to perform. Regardless of the terms or the attitude of the lender, a deal is a deal.
2) If you were forced to seek financing through Triad at their rates, obviously your credit was less than stellar to begin with. Even so, they are just reporting the facts-you failed to honor the contract and the vehicle was repossessed.
3) As far as the deficiency balance is concerned, look at your contract. They are entitled to collect it as well as all costs associated with the recovery of the vehicle, the sale of the vehicle, and collection of the deficiency including court costs and attorney fees. Your best hope at this point is to try to negotiate a settlement, but understand that they are under no obligation to accept less that the total amount due them.
Banker John


Advertisers above have met our
strict standards for business conduct.