UAC - Universal Acceptance Corporation UAC Harrasing and Threating Company and committing illegal activities Edina , Minnesota

I went to Car Hop to do business and they were able to get me financed through Universal Acceptance Corporation (UAC) on 12/08.  Immediately I had problems with the car within a week the cyclinder plate went out on the vehicle and the rear brake tail light did not work. I informed Car Hop of this and they decided to fix the cyclinder plate and refused to fix the brake light (which is againest the law to have out)...Time went on and I always made my payments on time.

On May 30th of 2010, do to some unfortunate circumstances I ended up losing my position with the company I worked for, which was made official on 06/03/2010. My payment for that Monday 05/31/2010 was deducted from my bank account as agreed with the contract I had with them.  I knew that I needed to make contact with UAC immediately to inform them that I have filed from unemployment and that I needed them to stop with drawls out of my bank account.  Jackie (My Account Manager) stated that she would stop them and was sympathetic of the situation I had encounter.  However, I informed Jackie that I would be able to make a payment on the following Friday which would of been the 11th of June.  For the week of the 7th to the 11th I received two phone calls a day, speaking to a different person every time.  All but Jackie were the up most un-professional individuals (collectors) I have every spoken to. I was told that I was a dead beat, told to figure it out, borrow money, threaten of rapid repossession (reminding this started on 06/07/2010), told to go donate plasma, and constantly reminded that we are a NO grace period company.  I asked them to review the notes that ("should of been entered, because they are legal documentation") and was told they don't matter I am past due and we are going to continue to call until you pay this bill. I told individuals that nothing has changed and it is not Friday yet.  The Phone Calls continued and continued by contacting the 13 references they required at the time of signing the contract so I had friends and Family calling me telling me that they were calling. It was also brought to my attention that some of my friends and family had information regarding my account. I.e (amount I owed still on vehicle, amount I was pass due) another words they unlawfully provided third party information without the legal consent of myself. So Monday comes around 06/14/2010 and it was my intention of giving them a call and making the required payment that was due on 06/11/2010, prior to calling them I wanted to make sure that my deposit went through so I logged on to my bank account and guess what was withdrawn without authorization. A car payment to UAC. Then shortly there after I received another phone call from a different representative once again stating that I am past due and I needed to make it today or they were going to pursue repossession. I asked to speak with Jackie because she is my account manager and when I spoke with her I confronted her about the unauthorized with drawl from my bank account.  Her words were "you did not tell me to stop those payments." However the bank statement I have shows that a payment on the 7th of June was not with drawled because of I told Jackie I put a hold on ALL automated with drawls to creditors and that I requested that UAC stop their automated with drawls as well. Once again I clarified to Jackie on the 14th of June that they are not authorized to with drawl funds from my bank account.  I told Jackie that I have cashed out my 401k, and I am waiting for the determination of unemployment benefits and that my funds are limited right now and that I "would" make a call on friday the 18th of June to follow up with her regarding the payments.  The phone calls from UAC continued immediately that evening. Each and every different person I spoke with, I told them to review the notes. I was told that there were none and that I am required to make the payment now, once again being told to borrow money.  I told them I would follow up as I agreed with Jackie on the 18th. I was told that the phone calls were going to continue which they did.  On Wednesday the 16th, I answered the phone and UAC was on the other end and told them to review the notes and that nothing has changed and was reminded that the phone calls were going to continue.

It is my concern i wonder if UAC is going to with draw money on the 21st of June.  I am holding off till then to see if they take a payment out, if not I will call in that payment.  It is also my concern based on a conversation with Jackie the future of my vehicle. This Vehicle was under Judicial Review for the return of it to me or the lender because the state of MN forfeited it.  The process has started to get it back into my possession however it could be decided it be returned to UAC.  The concern with that as I speak I have made car payments on a car I do not have in my possession.  I was told by JACKIE that if it was returned to UAC, if my car payments were current and I payed for the tow, UAC would release it back to me...I am deeply concerned with that, mainly because they have not been fully honest and because of the un-professionalism they have shown.  I am going to see what happens as this will continue to unravel.  I am wondering if it is time to seek counsel for legal advice based on harassment, and the future of them requiring me to make payments on a vehicle that could be in there possession.  My question, will they do what Jackie informed me that they would do or is this deception.