Complaint Review: Mid-Atlantic Finance

I purchased a car from a dealership, Four Star Autos, in Arlington, VA, but started my financing in March with Mid Atlantic Finance Corporation. The car was having problems from the beginning of my purchase. The clutch was very hard to push down and I brought the vehicle to the dealership within the warranty period but they instead told me that it was normal and I just had to push down harder.

This worked until one evening the car was disabled in the front of my boyfriend's house. We had a certified mechanic with Ford Motor Company take a look at the car but he thought that possibly it has something to do with a chip that was installed by the dealership from the finance corporation. We called the dealership, they in turn told us to call the finance corporation. The finance corporation hooked us up with a contractor of theirs. The contractor kept giving days and times he would arrive to take a look at the car, but would never show up.

Almost one month later the contractor showed up and declared that the problem was due to the car dealership installing the wrong floor mats in the car. This was causing the floor mat to dig into the clutch, which eventually disabled the vehicle after such wear and tear. This of course had nothing to do with the device that was installed into my vehicle. The contractor fixed the problem with no setbacks once it was declared what had happened. I spoke to a woman at the finance corporation by the name of Maggie and told her the problem that had evolved. I asked if I could have an extension on my payment but she replied that I could not but I could pay the late fee of $10. I accepted and sent the proper payment to the finance corporation.

My payments are due on the 2nd of each month with a grace period of seven full days. They called my house and were very rude with my mother and never got in contact with me directly for no apparent reason. They asked my mother if the car was running properly and she of course replied with an affirmative response. My car was repossessed the next day. The payment was received in full for the month of June on the 9th, which is within the grace period. I tried to get in contact with Maggie but she would not return any of my calls.

I finally got a hold of her and she told me that it was against the law to try to remove or remove the device that was installed in my car. This came as a surprise to me seeing that my boyfriend does not even know how to drive a manual car let alone fix one. The reality was that he never did even touch the device. This is of importance due to the fact that they had told me my car repossessed for this very reason. When I spoke to the manager of the finance corporation she said she would get in contact with the mechanic/ contractor that worked on my car, but once again reiterated the fact that my car was taken due to my boyfriend removing the device.

Our call ended and the manager called me back later in the afternoon. She apologized, and said she spoke to the mechanic and he told her the device was in perfect condition, untouched. She later told me that I now have to pay $800 to retrieve my car since it was repossessed even though it was their mistake! Also I got these car for $13292.85 with 88119 miles and my interest rate is 21.950% unfortunate i needed the car so they took advantage of that.

Diana
Ashburn, Virginia
U.S.A.