Complaint Review: CAR HOP; UAC: Universal Acceptance Corporation; Insterstate Auto Group Inc - Ednia Minnesota

 Jenna you protest too much, you obviously work for or have some affiliation with UAC/CARHOP. You are lying there is no way your credit score improved that much with a loan from UAC. LIAR!

 put this company out of busines.. Anyone who comes on here to defend them probably works for this horrible company. Worst used car buying experience of my life. Dont try to blame it on the "area" you live all. All you have to do is look up reviews, rip off reports, BBB reports etc and you will find this company scams people all over the country. Some loser called it "Subprime Whining" lol whatever. you probably work for them and getting alittle scared your gonna loose your job soon. Because this CARHOP/UAC thing wont last much longer without major changes in their business practices.

Oh cry me a d**n river. You didn't make your payments your vehicle got reposessed. I'm sure a repo person wouldn't call people liars and bitches unless they were acting that way. And you of course are 100% innocent in this huh? Grow the hell up seriously. Where is the racism in this exactly?

Carhop is only 'racist' against people who don't make payments. just like any other finance company. So stop whining and pay on your vehicle.

Lastly, read your contract. There is an Arbitration agreement, which specifically states you can not take carhop to court it has to be settled in arbitration. Remember as well that all calls you made to carhop have been recorded and noted so if you like most people who think their s**t don't stink have called carhop and threatened or whined or flipped out, that is all documented. I used to work for carhop and I bought a vehicle through them and have had nothing but good luck and my credit went from 560 to 730 with their credit reporting. They can help you get to a better lifestyle if you honor your contract and pay your d**n bills.

HAve fun.  

Here we go again...another sub-prime whiner...LATE ON THEIR PAYMENTS...crying, whining and stomping their feet because the lender enforces the contract.  Oh poor baby...you don't make the payments and the lender comes after you and its so, so terrible.  I'm surprised you haven't said they are discriminating against you, or that you are entitled to special treatment because you are a veteran, disabled, white, black, Hispanic, Arab, Christian, Jewish, Athiest.  Or maybe how the big loan companies are out to get the little guy, or how dare they come after you since they've received billions and billions of tax payer money.

So please, tell us all about this lawsuit.

First off, Im sorry that happened to you as there are alot of bad people in the world.

2ndly, YOu have a very good case against them as they approved everything for you then after they called off the repossession they still repossessed you is illegal.

As for the comments of poster #1 - Yes under new laws and the simple fact that Carhop and UAC

do not do their own crediting anymore and go through a bank they DO fall under the fair credit act and they are to be held liable for all things illegal. Also, It is perfectly legal to record your conversations with creditors and bill collectors and you DO NOT HAVE TO NOTIFY THEM as they record your conversations all the time and they do not notify you that they are doing it. I know this because they have been in trouble for years and always find a loophole, well those loopholes apply to us as well and it will stand up in court.



As for the racism and threats, if the people who were threatened go to court wth you it will stand up in court as well. I had a similar situation back in 2008 and they went to a whole other state to threaten my cousin and parents over a car I had already paid off but this company wanted a double payment because of dirty dealings. This company is no longer in business as the IRS and UNCLE SAM shut them down.



With all of these problems you should be able to talk to carhop-uac and get them to put you into another vehicle and give yu a new warranty for that vehicle as you have not had that vehicle for very long.  I bought a car from carhop and was 2000 miles over warranty and only had the car for 10 months when the engine and transmission blewup on me. It was all caused from a bent frame as the mechanic later confirmed. It took me 3 weeks to get things done but they put me in a new vehicle and everything and just continued my payments where I left off. all this happened just this past february, 2011. Also, I read alot of these complaints and though you do have a valid case, alot of others are just bitter people or uneducated violent and angry teens for their first cars.



I can also point out that alot of the problems you are having are probably local to that area as their are alot of bad people out there but the company as a whole has a very good track record of providing good quality vehicles to people as well as fixing their credit. I do not work for carhop but I had a very good experience with them and I hope my info is able to help you out in your lawsuit and again Im sorry for your experience as I have been there before and wouldnt wish that on anyone.

I just read your report and it is very similar to mine...How did your lawsuit go..I am considering filing legal actions for harassment and third party disclosure.

If you have time my is listed under UAC harassing, threatening and committing illegal activities..look forward to your response

Please post all of the court information here.  That would include the Court you filed in and the Case Number.  I also wonder how much you are going to sue them for.  Since you said you are going to do this in the morning, I guess we can expect you to update this in the next couple of days.

But before you do that perhaps you may want to think about a few things.

Why did you suffer through 3 days of lies to get the car in the first place?  They didn't hold a gun to your head to buy the car.

They are considered an Original Creditor so the Fair Debt Collection Practices Act(FDCPA) does not apply.  They have every right to "call" a loan if they feel that you are not going to be able to complete your contract.  They also are allowed to contact your references, after all that is why they requested them.  They are a Sub-Prime lender and as such are not going to give people a lot of lee-way in making payments.

If the recording you have was made without their concent, you better check the laws of your state.  Because if you are required to get their concent before recording them, YOU may actually be the one who is prosecuted.

The only item you MAY have a case on is if they threatened you with bodily harm, and you have proof that was legally obtained.  However, that would be a complaint/police report against the person who threatened to you.