SNAAC / " Kyla " Taking advantage of military personnel and complete disregard to SCRA Mason Ohio
Here’s the facts: Yes I was late on a payment but the military was Not paying me due to a discrepancy on there end (Not mine ) I spoke to SNAAC a few months ago and let them know of my situation and that I am leaving the country for around 3 months. I set up automatic payments and never thought about it again. Upon my return I was made aware by navy federal that all three of the payments were declined due to an excess of what the balance was. Basically I couldn’t pay double what I had planned budgeted for. At this time I was get harassing phone calls , companies had shown up to my house in an attempt to to take the car, and all of my family had been contacted by them demanding payment. For one are you guys for real ? And who in the hell calls my wattage sister for collections. When I contacted them I made them aware that it was illegal to repossess an active duty servicemens property without a adjudicated court order. They declined and said they didn’t need one , and that they always follow guidelines. I asked them to please educate there team and I would contact my attorney as a next step if additional repossession efforts have been made. I made arrangements to pay the balance and will be looking to refinance through an outside company very soon. Honestly I hope you guys get another lawsuit clearly you do not follow the law nor do you respect military members enough. Feel free to respond I’ll be updating the website as this story unfolds
2 Updates & Rebuttals
Amanda
United StatesSNAAC Response
#3UPDATE Employee
Tue, May 22, 2018
We are sorry for your recent experience with Security National Automotive and would like to address your concerns. We’re committed to continuously improving our services and processes. In order to better understand your concerns, we need to review the account details.
Please submit your feedback at https://www.snaac.com/customers/concerns-or-complaints or call Amanda, our Consumer Experience Advocate at 866-500-2544 ext. 343 to discuss further. We look forward to hearing from you.
Robert
Irvine,United States
The sad part
#3Consumer Comment
Thu, May 17, 2018
The sad part to this is that as a member of the Military you are trying to use the standard "Deadbeat" excuses and blame everyone else for their problems.
After all it was Payroll who wasn't paying you due to a discrepency on their end, it was Navy Federal who rejected the payments, it is the company who is requiring a bigger payment than you can afford, it is this company that has the nerve to actually try and collect on the legal agreement you signed. Nothing is your fault...right?
I set up automatic payments and never thought about it again.
- Apparently you never thought about or even looked at your bank account either. As if this was a car payment it was probably your single biggest monthly expense and would be quite obvious if you reviewed your account that that money was not being taken out.
When I contacted them I made them aware that it was illegal to repossess an active duty servicemens property without a adjudicated court order.
- That depends...
If you were on Active Duty military service at the time you got the loan, then a lot of the protections I think you are trying to use DO NOT apply. I believe you are refering to the SCRA(Servicemembers Civil Relief Act).
The Court Order requirement before reposession is only valid if you made at least one payment(or deposit) before you joined the Military. You were also apparently back in the States when they attempted to repo the car, which leaves you "unprotected" from other provisions that could have also protected you.
In the end it is amazing how many people can't afford their bills, but have no problem contacing "their" attorney.