Complaint Review: United Auto Credit-columbusohio

Say thank you to "Readyyourcontract" and get an attorney. Creditors and their agents are prohibited from revealing personal and/or credit information to third parties, and from what I just read, a "former employee" just broadcast your account information to the entire world wide web, not a big surprise, seeing what a bunch of world class morons they truly are. Time to bring the fight to UACC. Remember to ask for a big settlement to cover your pain and suffering, defamation, and whatever other offenses your attorney may find.

Say thank you to "Readyyourcontract" and get an attorney. Creditors and their agents are prohibited from revealing personal and/or credit information to third parties, and from what I just read, a "former employee" just broadcast your account information to the entire world wide web, not a big surprise, seeing what a bunch of world class morons they truly are. Time to bring the fight to UACC. Remember to ask for a big settlement to cover your pain and suffering, defamation, and whatever other offenses your attorney may find.

Say thank you to "Readyyourcontract" and get an attorney. Creditors and their agents are prohibited from revealing personal and/or credit information to third parties, and from what I just read, a "former employee" just broadcast your account information to the entire world wide web, not a big surprise, seeing what a bunch of world class morons they truly are. Time to bring the fight to UACC. Remember to ask for a big settlement to cover your pain and suffering, defamation, and whatever other offenses your attorney may find.

Say thank you to "Readyyourcontract" and get an attorney. Creditors and their agents are prohibited from revealing personal and/or credit information to third parties, and from what I just read, a "former employee" just broadcast your account information to the entire world wide web, not a big surprise, seeing what a bunch of world class morons they truly are. Time to bring the fight to UACC. Remember to ask for a big settlement to cover your pain and suffering, defamation, and whatever other offenses your attorney may find.

Its all very simple. buy a car you can afford. pay your bills on time.

If you can't go pay check to pay check without paying late. you can't afford the car. Figure this out before you buy!

Most likely you have financial problems all over the place. how many other "toys" do you own that you can't afford?

I see way to many people living beyond their means.

Don't blame the finance company.

They warn you from the jump.... There are no grace period on their loans. My loan started with them back in March of 2005, and I remember a courtesy call I got from them a couple days before my first due date where they went over all that. Anybody who says they went into dealing with them blind is lying. Not only that, but by the time that your loan has to go through the, with their 20%+ interest, you know that you have truly reached the bottom of the barrel. Anyhow, the only way that you are going to get these guys to chill out is to pay your loan on time each month. Otherwise, they will start calling you and leaving "messages" with all of your references the next morning at 9AM sharp. I know firsthand, they call and bother me each and every month, but the way to get around that is just to not answer when they call, and dont let them scare you, they will accept your late payments. I have paid as much as 20 days late, even though they say they wont accept it, they always do. YOu have to be careful though, they are repo-happy. I got a neighbor that calls them my personal "24 hour roadside assistance" every time they come by my house looking for my car. They are a finance company granted, but their techniques are identical to that of a collection agency, no doubt because of the caliber of clients that they deal with. Some of their funnier things are calling from different telephone numbers, sending text messages to your cell phone, leaving goofy voicemails using veiled insults to try to bait you into calling back, or saying that they are "Your friend Mindy from a few years ago". Honestly, anybody that has dealt with any collectors will know better than to fall for these. My only beef with them is this: They get off on all of this. They love harassing people, and bullying them. The two guys there that always seem to call or ride out with the repo guys seem like the punks that were afraid to take a shower in gym class back in high school. This is their way to get back at people. It seems to me that if they have a client that is habitually late each month but makes their payment nonetheless, they should be happy, that generates more money for their company in late fees and extra finance charges. I would assume that is the case with a lot of their clients. Bottom line, they are in business to make money, and that actually makes more money for their company. They dont think like that though, they love making their phone calls and leaving notes like little girls. If you were at my house to leave a note on my car, why couldnt you knock on my door and ask for my payment...."Oh, no... cant make personal contact.... too scary..... the client may see that Im really a sissy, or even worse, actually pay so I cant harass him tomorrow". All in all, its funny to me, nothing I can do about it, you just have to know how to play with them. Such is life.

Contract open 5-18-05, 1st payment due 6-17-05, 54 month contract, $305.52 payment due on the 17th, complainant on installment loan only, no mom, 7 payments made on time, 17 payments paid past due, 2 extensions were granted (skip monthly payment, loan term extended 2 months). Last payment made 5-31-07, repo on 8-6-07. 8-16-06 an extension granted due to job change. 6-30-07 extension granted to help with another job change. Insurance cancelled on 3-15-07 though unit was still being driven/against state law.

vehicle abandoned by this customer at a mechanics shop, repairs of $250 were estimated but never authorized by customer, unit was repo'd and fees paid by the creditor in question, 133k on unit (purchased at 79k), customer was advised of legal ramifications prior to repo but refused compliance, had to repo prior to loss of lien and accumulation of storage charges, unit was drivable and was sold at auction, customer was noticed per state law and the allowable time to redeem the vehicle was given/but ignored.

No collection calls were made on or prior to the 17th. Mom was not contacted for payment, however, messages were left for debtor to call. All calls were in voluntary compliance with the FDCPA. No grace period on the contract.

As far as your deal for the SUV, that is yours to negotiate, UACC is just a lender, purchasing an indirect installment contract. they do not screen the cars you want to finance nor maintain them after your purchase. Just so you know, your vehicle was valued at $9600 at the time of purchase (NADA trade-in value), you purchased for $9250. Frankly, that is a good deal. You put 54k miles on unit. Your warranty that was purchased expired with your high miles. Your vehicle was not repo at 3 days late as explained in detail above. No one there is mean and nasty and threats are not part of their business. The facts about your contracts are shared with you, along with what happens if you happen not to honor your contract. Unreasonable management? Those calls are documented as to your refusal for compliance.

Now Mz. zee, who is really getting ripped off here? Maybe you should rethink your position and consider who tried to help you after your prior financial problems? Though you have disclosed the company address and phone in an attempt to paint that business as some kind of rip-off, your personal information is not disclosed. However, you are acutely aware that the facts above are yours.

I am a current employee of UACC. I have read all of the complaints regarding UACC collection practices...and they are all true.

Unfortunately, I am one of those people how are made to make those calls and until I can find another job I have to contine to do so. If you think getting these calls are rude, you should see the way they treat the collectors. On a daily basis, managers post daily dollar amounts of what we must collect.

If they are angry with a specific debtor, we are ordered to make as many calls as possible. Some of the other collectors block the calls and say very inappropriate things to debtors, friends and family of debtors and yes employers. I do not participate in these practicesso I am considered an outcast. There are so many other questionable practices that go on at UACC.

I don't know if anything can be done but if any of you have any suggestions, please let me know.

You may no longer have the car, but as you know you will still have a debt after the car is sold. I would suggest you take a good look at your Notice of intent to sell, otherwise known as a right to cure as I understand they have been sent out with incorrect information for some time at the branch where I was employed, If this is the case you might have a legal "out" if they placed the wrong amounts etc on that letter. Of course consult an attorney or legal aid to confirm this, but sounds like you might want some ground to stand on, and arguing the interest rate or the quality of the vehicle are both useless as you picked the car and you signed for the money and the rate, so the courts will not likely see in your favor on those issues.