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Report: #68996

Complaint Review: UNION ACCEPTANCE CORP - Indianapolis Indiana

  • Submitted:
  • Updated:
  • Reported By: Baytown Texas
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  • UNION ACCEPTANCE CORP P.o.box 1943 Indianapolis, Indiana U.S.A.

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To whom it may concern.
Union Acceptance Corp. Is Fraud and Ripp Offs Illegal Co.

I took over notes on a 1999 Ford Ranger financed by UACA on April 1, 2001., from a previous owner who purchased the truck in 1999. I spoke to Brad at UACA who was currently trying to collect a debt of $800. behind on payments from previous owner who lost his house, job and all. So I gave $500. to the previous owner Charles booth for equity of the veichle and western unioned $800. to Brad At UACA COLLECTIONS DEPARTMENT. I have been paying $339.48 and every month up to present October 2003.

Now here is the problem I contacted Brad at UACA to get the pay off info. and to put the veichle in my name since I have too over the payments for almost 3 years now which he promised he would do and various people answer and say he no longer works there and that they will not put the veichle my name nor GIVE ME THE PAY OFF INFORMATION.

THERE WEBSITE IS NO LONGER WORKING-THEIR PHONE NUMBERS KEEP GET DISCONECTED-THEY DON'T HAVE A PHSICAL ADDRESS. THEY DON'T SEND RECEIPTS WITH YOUR BALANCE-AND THEY RARELY ANSWER THE ONE TOLL FREE NUMBER THEY CAN BARELY PAY THE BILL ON-LAST TIME I SPOKE TO A WOMAN CALLED CHRISTA A FEW MONTHS AGO ABOUT PAY OFF INFO I CALL BACK HOURS LATER SHE DOES NOT EXIST SO I GET THE GIRLS NAME AND CALL HER BACK THE NEXT DAY SHE DOES NOT EXIST WRONG NAME A BUNCH A BULL AND RUNNING AROUND.

So I conatct the attorny generals office of consumer protection services for Indiana and compalin about this situation the contact me sending a letter that was received by UACA which I have in my files for proof with a PO BOX NUMBER PROMISING THE ATTORNEY GENERALS OFFICE THAT THEY WOULD RESOLVE THIS ISSUE WHICH THEY HAVEN'T. AFTER ALL THAT THE TRUCK WAS PURCHASED FOR $14,999 OFF THE LOT AND FOUND OUT THE PAY OFF IS $11,000. WHICH EQUALS TO $8,000 OF INTEST ON THE TRUCK WITH NO WARNTY.

IN THE MEAN TIME I AM SPEAKING TO A FRAUD ATTOTORNEY SPECIALIST WHO WILL FURTHER INVESTIGATE FINANCE LAW LIMITATIONS AND HOPEFULLY FILE A LAW SUIT ON WWW.UNIONACCEPTANCE.COM WHO CLOSED THEIR WEBSITE DUE TO THEIR ILLEAGLE ACTIVITIES. LIKE THEY SAY SOONER OR LATTER IT WILL CATCH TO YOU RIPPING PEOPLE OFF MAYBE THE PREVIOUS OWNERS IQ AINT LIKE THE REST OF US.

R E P L Y I F Y O U W I S H!

The Attorney Generals' Office In Indiana
I doubt they are literate about ineterst rates,
Will contact them again too.

Samad
Baytown, Texas
U.S.A.

This report was posted on Ripoff Report on 10/13/2003 05:49 PM and is a permanent record located here: https://www.ripoffreport.com/reports/union-acceptance-corp/indianapolis-indiana-46206-1943/union-acceptance-corp-is-fraud-and-a-rip-off-indianapolis-indiana-68996. 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:
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3Consumer
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#3 Consumer Suggestion

If you did not properly "take over" the loan then it is not affecting your credit, your also not getting credit for timely payments

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

POSTED: Tuesday, October 14, 2003

I work for a vehicle finance company (not this one) and here's what it sounds like to me...

In order to "take over" a loan properly, you would of had to fill out an application and, once approved, sign a contract. If you did not do this then you are driving a car that is not yours. The contract is still legally in the original owners name and therefore you are not allowed access to the account information over the phone (if they have internet access I don't know if you can get it that way)

You shouldn't have been able to register the vehicle or get insurance to cover the vehicle and the company probably added insurance because they couldn't verify outside insurance.

It was against the contract for the original owner to allow you to drive the vehicle without completing the proper paperwork.

Collections won't care who they contact about payments so even if they called you, that doesn't mean a thing.

The good news is... If you did not properly "take over" the loan then it is not affecting your credit (your also not getting credit for timely payments) so you could let the car get repossessed and it wouldn't hurt you.

The fraud attorney and the Attorney General's office won't be able to help you if you didn't do the paperwork...

GOOD LUCK!!!

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#2 Consumer Suggestion

If you did not properly "take over" the loan then it is not affecting your credit, your also not getting credit for timely payments

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

POSTED: Tuesday, October 14, 2003

I work for a vehicle finance company (not this one) and here's what it sounds like to me...

In order to "take over" a loan properly, you would of had to fill out an application and, once approved, sign a contract. If you did not do this then you are driving a car that is not yours. The contract is still legally in the original owners name and therefore you are not allowed access to the account information over the phone (if they have internet access I don't know if you can get it that way)

You shouldn't have been able to register the vehicle or get insurance to cover the vehicle and the company probably added insurance because they couldn't verify outside insurance.

It was against the contract for the original owner to allow you to drive the vehicle without completing the proper paperwork.

Collections won't care who they contact about payments so even if they called you, that doesn't mean a thing.

The good news is... If you did not properly "take over" the loan then it is not affecting your credit (your also not getting credit for timely payments) so you could let the car get repossessed and it wouldn't hurt you.

The fraud attorney and the Attorney General's office won't be able to help you if you didn't do the paperwork...

GOOD LUCK!!!

Respond to this report!
What's this?

#1 Consumer Suggestion

If you did not properly "take over" the loan then it is not affecting your credit, your also not getting credit for timely payments

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

POSTED: Tuesday, October 14, 2003

I work for a vehicle finance company (not this one) and here's what it sounds like to me...

In order to "take over" a loan properly, you would of had to fill out an application and, once approved, sign a contract. If you did not do this then you are driving a car that is not yours. The contract is still legally in the original owners name and therefore you are not allowed access to the account information over the phone (if they have internet access I don't know if you can get it that way)

You shouldn't have been able to register the vehicle or get insurance to cover the vehicle and the company probably added insurance because they couldn't verify outside insurance.

It was against the contract for the original owner to allow you to drive the vehicle without completing the proper paperwork.

Collections won't care who they contact about payments so even if they called you, that doesn't mean a thing.

The good news is... If you did not properly "take over" the loan then it is not affecting your credit (your also not getting credit for timely payments) so you could let the car get repossessed and it wouldn't hurt you.

The fraud attorney and the Attorney General's office won't be able to help you if you didn't do the paperwork...

GOOD LUCK!!!

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