SICK AND TREID OF BEING HARASSED BY CNAC

1st off. hello everyone!!! I will try to make this quick and painless.I live in Atlanta GA. I got a Dodge Stratus from JDByrider on may 14th, 2005. During the 1st 30 days the car stalled on me numerous times. I have all of my paperwork. a tow truck picked the car up on Monday. I got it back on Wednesday. Same week they picked it up on Friday. I went to pick it up on Saturday. had to wait another 4hrs while they try to fix it.Finally on June 14th, 2005 they got it and kept it for 3weeks. Now during the 1st week I asked for another car. I guess they needed to get rid of that one because finally they had to call Dodge. I had a major gas leak problem. They were kind enough to rent me a car during that 3wk stint. I got laid off my job. I still made my payments. I got paid the weeks in between payment dates. So of course I was late. I believe the harassment is based on your zip code and credit status. I tried to trade the car. No one would take it. The tie rod was holding together only by the grace of God. I went back and forth with them about. I only drove the car when I absolutely had to because it was dangerous. Finally after telling them I was going to talk to a lawyer about the danger did they fix it partially. When I got the car back, it had a blown gasket. They had me bring it back in. I was told I would get a ride to work and back to them. If they could not have it fixed by the time I got off work I would get a different car and pick up payments where I left off. Mind you this has been going on for close to 2 years. I never had the time to talk to a lawyer about it because of my work schedule. Well I had this real uneasy feeling all morning.
I called on my lunch break. I was told that it was going to cost me $2500 to get the car fixed because it was out of my warranty. Whose fault was that? I called every week and went up there every month. I was told I could not get the car back unless I paid the money. I said oh well. They never heard from me again until 2 weeks later. They called me to tell me to come to pick out another car. Against my better judgment I did. It was a nice green Buick. A few days before I was to get my tags I was called to do some more paper work. This kept me from getting a hard plate. The bmv gave me an extended temporary tag. I was held up there for quite a while. There was an issue with this lovely car. It had ON Star. I tried to activate it. They kept asking me where the care was located. That didn't seem right. Finally the hard plate day came. I was told that I could not get a hard plate because the car had been reported stolen. JDByrider was selling me a stolen car. They did not have the title to this car nor the 4 others they had on the lot just like it. They told me again to come and pick out another car. I got a van. The van was fine. normal wear and tear. Then I got sick. I had to resign from my job because I was moving back with my mother. My mom got sick. Two sick people can't take care of each other. So I stayed here in GA. I have begged and borrowed to make my payments. granted I am behind 3 by-weekly payments. I have job making a lot less money than before because it is less strenuous. I called CNAC to give my job location and number. My co workers tell me that they call 4 times a day every day. I bring home $456 bi-weekly. My rent is $600.00. I am behind 3mnths in rent. My landlord is giving me a chance to get back on my feet. I pay the current mnths rent until I can due better. I pay the current payments to CNAC. finally they said 2 payments or no car. Now I have a tow truck and bmw with a couple of guys creeping around my house as I type this. I have never tried to hide from them. I gave them the benefit of the doubt why can't they return the favor? The lawyer that I do have has been waiting for this. This will be fun. Finally I am done.

High probability you got a lemon as it was purchased from JDByrider. I would take the car back and give them the keys. Most of the time they will not pursue someone if they are in the first year of their contract. Lots of threats and barking but they DO NOT want state's attorney generals investigating their business practices as it could put them out of business as it did in Kentucky. The fines can be enormous once the state gets involved and find falsified budgets, bad cars, harrassing collection calls and violation of collection laws.

I to am stuck with a lemon had this car for 2 years and only put 5000 miles on it beacase you guess broke

You know how budgets are manipulated to make sure people qualify. Yes JDB does a budget but it sure isn't very accurate. Take a few to a judge and let them look at them and JDB would be in TROUBLE as it would be considered predatory lending practices. Not including everything on the budget and you know it.
Another big JDB lie is the affordable payment for customers as 90% of the payments are very, very close to the same number and only the gross is adjusted. Each dealership sets an average payment they want to hit and statistically there isn't much variation.

Tall_Oaks I don't think you have a clue what you are talking about. My husband has had several loans through this rip off joint. First, in their contracts they state that you cannot trade in their cars to anyone else, so if you want to go somewhere else and trade in forget it. Second, my husbands payments are due on Saturdays and they call on FRIDAY, they say it is just a reminder call, we make every payment on time and they still call. I would call that harrasment. I think you need to have some personal experience with the subject you are talking about before you start passing judgement on others.

Tall_Oak...are you playing "undercover" here for these people or what.

You sound like you're "one of them".
STOP IT>