1 Jan, 2018 → by ClaimboUser211726
passing the buck
*SOLVED

2

We purchased a used SUV from a dealer in March of 2009. We knew that our credit was in dissaray, so we weren't too surprised at the interest rate (25%). We were told by the salesman at the dealership that in order for us to be approved by the lender that we had to have a checking account so that the payments could be debited automatically. That was not a problem. All of our payments were made on time until I lost my job. The loan was only for 2 1/2 years. It wasn't until I couldn't make the June 2010 payment was I made aware that they had the ability to disable the car. The salesman never explained that to us. I called Credit Acceptance on June 23rd to inform them that my payment would be made in a few days, the rep said "okay" and we hung up. I received a call about 4 am on the 24th from a manwho stated he was from Credit Acceptance and that he was outside about to reposess my vehicle. After speaking with him for a few minutes outside I gave him the keys to my car because he didn't have a flatbed tow truck and I didn't want him to tow my car on a whell-lift tow truck. I asked him where he was located and tole him I'd be there in a couple days. After speaking with C.A. they told me I had to pay an additional $325 to redeem my vehicle. I eventually mde the payment on the 30th. After going back and forth with them I was informed that my car was about 2 hours from my home at the auction site (I still made the June payment in June). After contacting the auction site, they informed me that I would need a tow truck because the transmission on the car was no good. I never had a mechanical problem with this vehicle. I had to go back and forth between the repo agent and the auction site to try and determine who was responsible. I decided to contact C.A. for same assistance. The rep in the reposession told me that any damages that occurred has to be handled by me and that they "had nothing to do with that." My position is that if the repo agent was acting on the banks behalf then they are responsible as well. Nether the repo agent or the bank wants to hold responsibility for damages that occurred while in their possession. I Had to pay over $1300 in repairs and towing and now I have to fight to get my money back.
Helpfull? 0 votes

Post your comment:



Do you want to help? Probably you've just been in a similar situation, know the solution and want to help? Perhaps you are just a kind person who has advice on the merits. Please write your comment — you can do a good breed.

If you are actual Representative of Credit Acceptance you can contact the user using the comment form and help resolve the situation. The user can always mark his complaint as "resolved". Maintain your brand image, it is FREE.

Copyright © 2023 CLAIMBO.COM. All rights reserved.