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Americredit Totally rude and obnixous www.americredit.com ripoff Texas
I had my truck financed thru Americredit, unknowing at the time, that this company was mainly used by those with bad credit, etc.
Surprisingly, I own a home and already had a car payment thru Household Finance. The car is paid off now, but on with my story.
I was laid off due to my $15.00 per hour job, was outsourced to Manila, P.I.
I continued to make my payments thru unemployment checks. My unemployment ran out in November, so with no income, My payments were late. I did odd jobs to scrape together enough each month.
I was of course getting 3 calls a day from Americredit, demanding payment as my case was in the process of being "reviewed for disposition". This was after speaking to a CSR, explaining my situation and making Western Union paymnets to catch up.
At this time, I'm now 60 days late on payments due to other bills needed to live on, food, etc...
My home is now under a contract for sale. I called Americredit this morning to state my case of having the total payoff amount of $1500.00 at the end of Feb after we go to closing on the house and asked if this would be acceptable (This account has been open since I purchased my truck in 2000.). The VERY rude and obnixous CSR is spoke to stated No, this would not work and either I make a payment now,with her or the truck would be repossessed. After about 15 minutes of listening to this womans crap. I demanded to speak to her Manager, a Mrs Fields. This woman was polite and not at all like the CSR, but did state I HAD to have a payment made by the 1st of Feb, regardless of my payoff plan after the sale of my home. Mrs Fields also stated that my payment history was great, up until the time my unemployment ran out, also, that I was now labeled as "high risk".
So, I contacted my mother who is on a fixed income and she is over-nighting the payment I need, to keep these clowns at bay.
I did ask Mrs Fields, that if I make this payment as she requests, will that allow me to keep the truck until my home closing.
Her reply was no, she couldn't guarantee me anything.
After paying almost 5 years on this account, in good standing, minus a few months of late payments, I feel I shouldn't be treated this way, especially with some of the calls I've gotten by their collection CSR's.
I stated I would even allow them to pull the COMPLETE payoff amount from my account, 3 days after the closing date, this also was not acceptable as it is past the 60 day mark.
If anyone is planning on using Americredit, I would strongly advise against it.
My plans are to make this payment as requested, then move the truck to an ex coworkers garage until after the closing and payment is accepted by Americredit.
Thanks..
Ron
Tampa, Florida
U.S.A.
3 Updates & Rebuttals
John
Tallahassee,Florida,
U.S.A.
Same Boat - repo and arrest threats
#4Consumer Suggestion
Thu, November 02, 2006
Good Advice - Also I need to know if there any people down here that will organize a petition to bring a class action against AMERICREDIT in Florida - I'm going to call the State Attorney to see what the repo laws say exactly, Then get back with everybody
Let's put AMERICREDIT out of business once and for all...
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Mike
Radford,Virginia,
U.S.A.
State attorneys don't repo cars. just a bill collector pretending to be a state official. this practice is highly illegal.
#4Consumer Comment
Mon, February 21, 2005
The person who called Sherry was just a bill collector pretending to be a state official. As you might expect, this practice is highly illegal.
The finance companies really want money instead of the car. They usually take a bath if they repo it, since the customer is unlikely to pay anything more after that, and repo'd cars don't sell for much money. They tend to only go to repo if it seems like the customer is never going to make payments. Of course it is a rather arbitray decision.
Sherri
Gulf Breeze,Florida,
U.S.A.
Suggestions To Help... Been In Same Boat As You!
#4Consumer Suggestion
Sun, February 20, 2005
I had to reply to you about your dilemna after being laid off.
My husband is currently laid off...(Well, long story short..He has lost 4 jobs in 4 years and we have also lost a house because of a sorry attorney who "forgot" to turn in paperwork...That's another story...LOL.)
Anyhow, Americredit tried to tell us the same thing about "unacceptable" payment, etc.
Well, we received a call from a guy who was with the state who was supposed to repo our car. He was from the State Atty's office. We talked with him and he said "They are nuts! You only owe "X" amt. of dollars and you HAVE been making an effort to pay the payments! I am not going to come get you from your job and make you drive all the way home and take the car. As long as you show an effort to make a payment, I won't take it."
So, as a suggestion. Contact your State Atty's office and find out who handles car repossessions and talk to him or her. Explain your situation and they will look into what efforts you have made.
We are in the process of getting some help to catch up a few bills and car payments. Money is so tight that it squeals around our house, but we are trying to keep our chins up! My hubby is waiting to go on an interview.
We just went through the worst of hurricanes ever for our state. Some people lost everything. Well, guess what? In a nutshell, Americredit told us that they didn't give a rat's behind if we were in a hurricane or not...they expected a payment! So, come heck or high water, you had better pull money to pay them out of your behind or something!....LOL.
Remember, you DO have rights and by golly, don't let them get the best of you!
Thoughts and prayers and best wishes!
May God Bless you and your family!