I purchased my vehicle in 08/2014. since then I have been having problems with the vehicle. It is now 4/2014 and my car is not working. About a month ago I called my rep in reference to my payment. My job mailed my check and it didn't get to me at all. I immediately called to explain the situation and was told that there is nothing that can be done. I have to pay the payment. I was then not asked, but told, to borrow the money from somewhere because the have a no being late rule. They were very very rude, yes I have read many reviews before posting, but now I feel better that I am not the only person who are having problems. I understand that for most you have had a great experience and that is fine. Those of us who have not need to take a stand and fight against this company. I would hate to not care and allow many more people be con into the purchase of a vehicle. I understand that it is only our ultimate decision to purchase a vehicle, but I was purchasing for I THOUGHT all good reasons. I thought that I had a company that understands my financial status and are willing to give me another chance. I did not need a car from them I had a car that was awarded to me via Vehicle For Change.
The Rep persuaded me so much on how purchasing through them would be of a great benefit. I was very convinced. I completed the paperwork and was told that I can not purchase because it was not affordable with the job I was working. I said OK and then proceeded to leave. she then stopped me and said that they could work with me. they changed some numbers around and wow! I was approved. The vehicles I really wanted I couldn't get. However, I settled for trading my vehicle and getting a 03 Taurus. I am now regretting every moment of that day that I thought I was making a very good decision. I have not been able to receive help from them since I have purchased the vehicle.
My check was out of my control and I had to borrow money from people to pay the payment because I was threatened to have my car repo. I didn't no what to do so I borrowed money. That then put me in a bind, for which I already have to use my checks to pay them for the vehicle, but now I had to work extra to pay back the people I have borrowed money from. Ontop of the fact that I now owe another payment out of my next paycheck. Once again I am in debt. I asked and begged if I could have my job call and explain the problem, they could send a letter. etc I tried and the answer still was NO. I talked to many reps that talked to me as if I was a child. I couldn't maintain my feelings and anger. So I took the conversation to an elevated level.
I pray that no one has to deal with what I have been dealing with since Aug. I have always been the person to pay bills on time and if for any reason I can't I immediately call whomever I owe the money to. This company follows a great philosophy when it come to getting their money and having us sign to that type of agreement. However, life mistakes always happen and it doesn't matter how good your job might be and how long you have worked with the company. The do not work with you, if or when that job is taken away, They want their money and that is that. They have no concern or sympathy for real life issues and unforeseen emergencies that you might encounter within the week of or before payment is due. This is absolutely not how other financing companies handle their business and JD or CNAC will not be around for long. TIME TO FIGHT BACK....
There is no reason why I put my vehicle in for maintenance 2 weeks ago and sat in there for more then 3 hours and 2 weeks later my car wont start. I am P---ssed. I am without a vehicle on my children's Spring Break. That was the whole purpose of me trying to get the vehicle fixed before their break. Now I have to wait until Monday for them to even service it, HUGE INCONVENIENCE. Then to top it off, I get paid every week, so now I am missing 3 days of work for a car that I assumed was all the way fixed and my payment is due for a car that I can't rely on to get me to work. I called them to tell them that their is no way that I can pay my payment, I am out from work and those three days is killing my check for my car payment. I talked to the CNAC branch manager, all he could tell me is that my Rep is on Vaca and I have to wait until Monday when she gets back and talk with her. The story of my life. I am SCREWED. If I wanted to walk, catch the bus or even ask for rides and it was that easy, I Wouldn't have purchased a vehicle. Obviously I need my car. If this was any other dealer with a warranty the would have been on it, as well as, I would have either already have paid my payment or still would've had 30 days to pay and not just 1 Week. I have so many feeling and thoughts I would be typing for hours. Thanks for those who read this and allowed me to vent. May this problem be fixed very soon.
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