leavesofgrass
franklin,#2Consumer Suggestion
Mon, October 03, 2016
jd Byrider settled a multi million dollar lawsuit with the Ohio attorney generals office in 2005 for unfair and deceptive trade practices. The attorney general had jd Byrider not only pay present restitution, but also put aside money for future complaints. First, if you haven't done so, go to the BBB website and file a complaint, and file a complaint with the Ohio attorney general. There are special circumstances if you are disabled, a veteran, elderly, etc. Look at ohios unfair and deceptive trade practices law. If the cars on the lot don't have price tags in the windows, that is considered a deceptive Trade practice. Any car sold with a warranty is not considered "as in," because under the law a warranty serves as a promise that is anything IS wrong, the company will fix it. Also see if your car insurance rate skyrocketed. Cnac has a history of using car insurance to insure the entire loan, not the replacement value of the vehicle if it is totaled. For instance, if the blue book is $4,000, but cnac believes you owe them $14,000, if you total the car, your insurance will only cover the value of the car. Unless you buy additional gap insurance, and that is not legal. It also isn't legal to finance in the manner cnac does. They do piggy back lending. It is illegal in Ohio nd under federal law to finance multiple aspects of the car purchase under one loan. It is illegal to finance the down payment, warranty, closing costs, the car, and title transfer fees in one loan with one interest rate. The interest rate of say 22% may be legal to charge on a vehicle, but illegal to charge for a warranty. Cnac has lost a massive number of class action lawsuits all over the us. Google "cnac lawsuits," "jd Byrider class action," etc. They always lose in court if you file properly and raise the right issues and have evidence. But look at ohioa unfair and deceptive trade practices act, and the financing laws in Ohio. The attorney general in Ohio is encouraging individuals to sue, as do several municipal judges. File under udtpa and contract law, with damages if they fail to fix the issu civil. It is also illegal to price gouge in Ohio, and federal and state law prohibit companies from financing vehicles for more than 200% of their blue book value. It is also illegal to harass and threaten consumers for payment. That is a tort claim.
Jim
Florida,#3Consumer Comment
Tue, September 06, 2016
Quite frankly, you haven't a clue of what you're talking about. The "Lemon Law" has nothing to do with a used car. The inadvertent omission of the dealer's name DOES NOT require said dealer to unwind the deal. "Improperly filling out" this disclosure sheet is only a serious matter if the dealer fails to disclose "AS IS"! You were properly repo'ed for YOUR FAILURE to make payments...end of story.