Complaint Review: OkCarz - ORLANDO FL

You didn't answer the question: What's the date of the arbitration hearing?

You continue to evade my question: Specifically, what Florida state repo law did the dealer violate?

"So before you go blaming me, it's not like I didn't have the money to pay them."

You had the money yet you chose loan default. That doesn't hold water.

"My next step was to literally drive to the dealership and give them cash."

It appears you are unaware of an organization known as the US Postal Service. It's been around since 1792. Check it out.

I filed for arbitration with the ADR per their contract rules. Also I offered to pay them $800 when the car was repo'd plus recovery costs. Ironically yes the arbitration cost $200, the exact amount I owed them. So before you go blaming me, it's not like I didn't have the money to pay them. When you change the payment portal website, never answer the phone (they still don't they have like 5 different phone numbers), and make it so difficult to actually get ahold of someone to send an electronic payment that is not my fault.

My next step was to literally drive to the dealership and give them cash. Did I make a late payment? Yes, should that equate to losing $3600 when I am working with the insurance company to make the car like new that can then be resold at the exact price (or higher) than it was sold to me? No. I even signed a repossession notice that in the notice allows for making restitution which they refused. 

You forgot to answer my question: Specifically, what Florida state repo law did the dealer violate?

Perhaps you imagined they violated a repo law.

What's the date of the arbitration hearing? I suppose you lost your case, and that's why you haven't posted a follow-up.

Are you enjoying the LYNX bus service in Orlando?

I have since filed for arbitration per their contract agreement with the AAA (American Association of Arbitration) which employs lawyers and ex-judges for $200. They will have to pay filing fees upwards of $2500 to proceed. I have paid my consumer $200 filing fee and I have a record number. I will continue to update on the progress of this.

OkCarz thought what? I was some schmuck they could take advantage of with no repercussions? Think again. I pay $2600 a month for my rent and I have never been late. They are not going to get away with this. I want my down payment or the car back under the original contract terms. I will continue to post updates.

 Let’s set the FACTS straight, shall we? Oh, and don’t bother making an even bigger fool of yourself by claiming I must work for them (because you cannot come up with an intelligent rebuttal to this) because I’ll tell you ahead of time, I DO NOT! The bottom line is YOU DON’T HAVE A CLUE AS TO WHAT YOU’RE TALKING ABOUT!

YOU agreed via legally enforceable contract to make that FIRST payment on the date YOU agreed to. YOU FAILED to make that FIRST PAYMENT and they exercised their right to Repo the car under the terms of the contract YOU agreed to! They are NOT under any obligation to let you redeem the car. Why would they? YOU missed the FIRST PAYMENT! They are the lien holder on the car, not you! Any insurance money to fix the car belongs to them. The Repo DOES NOT make the loan magically vanish.

They may sue you for that. YOU failed to make the FIRST PAYMENT and YOU caused the repo. The entire loan amount is what you are on the hook for and was rightfully added to your credit report. They are under ZERO OBLIGATION to "help” you or agree to do any further business to you. Why would they? YOU missed your FIRST PAYMENT. It is interesting to note how you can’t afford to make your $200 payment but all of a sudden you have money to allegedly pay all these lawyers.

I would have talked to you for free! Their repo was perfectly within rules and regulations as per YOUR own account of the matter! Oh by the way, legal action? I checked the docket list at Orange County and guess what? No lawsuits against this dealership! Like I’ve told many people, the absolute best way to get back on your feet...don’t make your car payment! Have fun!

Your attempts to contact them are not relevant. They gave you two weeks past the due date but you failed to honor the agreement. You had plenty of time to mail them a check.

Your claim that they refuse to work with you is not correct. They worked with you when they permitted you and your lousy credit to finance a vehicle.

The Office of the Florida Attorney General's website states:

Once you are in default, your creditor may repossess your car at any time without prior notice and may come onto your property to do so.

That prompts me to ask, specifically, what Florida state repo law did the dealer violate?