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...Sticking it to JD Byrider and CNAC like they stuck it to us...

Prior Employee for a few years, post a burning question if you really want to know answers.

I am a former employee of a few years. If you have questions burning in your mind, I am sure I can answer them.
rage's picture

Hmm.

Actually, when I was with "the program" they probably promised 10 times, that if you were a day late, they'd repo, as I recall. However, this was years ago. Actually a great business practice. Probably akin to today's devices where you have to enter a code into the car, after each payment you make, or, the car won't operate. JD Byrider and CNAC Suck! - ...Sticking it to JD Byrider and CNAC Like they stuck it to us!

They sold me a Lemon

I purchased my car from JD Byrider in July of 07...and within the first 5 days my engine went up and they REFUSED to replace my vehicle, then about a month later my belt fell off and my car had to be towed there for more repairs......not to mention the car has been making a slight ticking sound since I bought it.....Nevermind the fact that they call me before close of business before my pymt is due....and I have never made a late pymt.....Now the sh** has hit the fan.....my transmission had to be replaced my power steering hose......and all that was covered under warranty........now they tell me I need a new cadillac converter...and that is not under warranty.....they have charged me $7000 over the original proce of my car which I probably could not sell for more that $3000.....they are making me pay for my rental.....and the cadillac converter...and they still want there pymt on time............I want to call my local news and do a consumer report.....and/or get a petition going.....SOMETHING has to be DONE.........I am going to deal with them with an atty present........When I was researching the lemon laws .....I feel that they should have replaced my car when the engine went up within the first week!!!!!!!!! They will pay

Dropping the car off.

Because of the insane amount of money that I am spending on my monthly car payment, and a special a local dealership was running involving taking over large loans, I recently looked into getting a new car. When I told the salesman that I had gotten my previous car from JD Byrider, he, of course, groaned and said they help a lot of people get out of their situations with JD. We talked for a while, he talked to the finance people and came back to where my boyfriend and I were sitting and said, "We don't want your trade." The way he said it made it seem like a good thing so we were a little confused. Finally, my boyfriend asked him to just lay it on the table, whatever he was getting at. He told us to take the car to JD, give them the keys and leave-to willingly default on the loan. My credit is a wreck as it is, so it wouldn't make much difference if I had that to deal with, especially if I was helping it by making payment on a car through a bank that annually reports to the credit bureaus (which, I was told, JD does not, meaning getting a car there does not necessarily improve credit). The idea of taking the piece of garbage that I overpaid for back to the a-holes that sold it to me and who constantly try to make me feel foolish is exciting, but also makes me a little ill. I wouldn't mind the phone calls and letters I would definitely receive, but I would certainly mind a law suit or the garnishing of my wages. A friend of mine says that it's unlikly they would sue because of the cost of doing so and the low return. The car salesman that gave me the idea said they'll probably turn around and sell the car to someone else and the amount I've paid so far covers the actual cost of the car, so it's not like they're actually losing in that respect. Basically, I'm wondering what the chances are that I would end up having to pay for the car anyway (through garnished wages, etc.) and what the chances are that they would take me to court. Thanks!

A BIG THANK YOU

I want to give a big Thank you to this site & everyone who has posted comments on it. I went to JD Byrider about 4 weeks ago, to look for a car after a recent repo. I found an 01 Ford Taurus Wagon. I was looking for a SUV, but this is what they said I could "afford". They wanted $9,745 for it. Which I though was really high for that car, it had about 66,000 miles on it and a few scratches here and there. Instead of making quick decision, I decided to do alittle backround check and came upon this site. Which made me then blue book the vehicle, come to find it's blue book retail value was only $6,400.00!!!! So when I questioned the salesman about the cost - he basically said I was buying into "the PROGRAM". I said I didn't want to buy the program just wanted to buy the car, and asked if he would lower the price. He said the price is set in stone, so I told him he could shread my application b/c I thought he was full of sh*t. So THANK YOU TO EVERYONE WHO PREVENTED ME FROM BEING TAKEN FOR!!!!

The Program

JD Byrider has a great program. It reports to three credit bureaus every month. It helps someone who is really looking to improve their situation do so. Unfortunately the people who sell you the car are not doing what they are suppose to do. Which is inform the customer of the benefits of the program and also the pitfalls of the program. The salesmen give you all the details of the good things ie.warranty get a car inspite of multiple repoes. What they fail to tell you is if you are late on this program you will probably be repoed. They also never stress that you are paying 22.5% interest. We as people that have messed up credit will have to pay more because companies like JD byrider and CNAC take the chance on us when no one with a comparable program would. I am not saying that there are not alot of valid complaints out there but there are alot of people out there that have had repo after repo because they dont think they have to pay there bills. eighty percent of the customers I dealt with were satisfied. Then there was about three percent that had valid problems with there cars that was not lack of maintainance Then there was the four percent that were just crooks that the sales people talked through the process to know the right answers to get a car.exemployee