Complaint Review: JD ByRider

My husband and I went to JD ByRider in September of 2002 to try to buy a vehicle. We have both been divorced and our credit is not good, but neither one of us have ever had a repo or any other problems with car payments.

We had a truck with a clear title to use has a trade in plus had cash for a down payment. My husband has been in the same type of job for the last 14 years, but not with the same company. I was on welfare at the time getting cash assistance.

The salesman told us that he could not use my state assistance as part of our income and therefore we did not make enough to qualify for thier program.

I have never heard of creditors not using state assistance as part of someones income. After continuing to look into this, I have recieved a consumer guidebook from the federal government. It states that ...according to the Equal Credit Opportunity Act a creditor may not refuse to consider public assistance income...

After reading all of the ripoff reports involving JDByRider, I feel this may have been a blessing in disguise.

Emily
Albuquerque, New Mexico
U.S.A.