Complaint Review: Chicago Lenders / Cactus Jacks Auto

I had no credit and decided to purchse from a buy/here pay/here place to build my credit.  They have you make 2 payments a month.  Ok, I was on my 2nd car from this place because the dealership was kind and helpful, but dealing with their finance company is another story. 

Since I was on my 3rd car with these people I thought that I had some leeway, I always make my payments even if they were a day or so late never more than that because you always had a payment every other week.   Anyway I happened to be 2 days late and they repossessed my car without so much as a call.  I couldnt believe it, I just bought and paid for 2 other cars before this one.

They had the nerve to charge me $375 for the repo fee + the towing and storage charge, and my regular payment ($200) I had to end up paying something like $6 and change to get my car back.

Now I am not a person with bad credit, but these people talked to me like this was my own fault that I had bad credit (mind you I just bought & paid for 2 other cars from them!) & didnt pay my bills and had my car repo'd - after a 2 day late payment!  This is a hustle for these people.  

FF - well I paid that car off in August 2009 - oh they made me sign up for automatic debit or else they wouldnt give me back my car and they charged me an additional $5 per payment!  I dont even know if that is legal.  I had a contract for one payment and the finance company changed the payment 1 year into my account without my approval!  So now instead of my $200 pymt I had to pay $205!

Now the car is paid off and its been 6 months and they still havent sent me my title.  I went to Motor Vehicles to just get a new one and they told me that there was still a lien on the car!!!!!!!!  ARE YOU KIDDING?

They automatically debited my account how could I owe you anything?  

BUYER BEWARE OF CACTUS JACKS & CHICAGO LENDERS