Complaint Review: Jdbyrider - Seymour Indiana

Jdbyrider in Seymour Indiana is owned by Jim Hadley of Jim Hadley Chevrolet in Madison Indiana. He also owns another Jdbyrider in Madison Indiana, Jeffersonville Indiana and Florence Kentucky. They closed their cincinnati ohio location in Oakley last year and I heard they were closing the seymour indiana store too

To the "Great Thorn", I think you are doing a wonderful job informing people about possible problems they may encounter when they purchase a vehicle. I just thought I would offer a little additional information as I work for a vehicle finance company (not the one mentioned) If the dealer and the finance company are owned by the same company, here's a few tips. The dealer purchases the vehicle from the manufacturer for a set price. Alot of times, the finance company financed the dealer for that purchase. EXAMPLE: dealer(x) purchased 5 vehicles from manufacturer(y) for 20,000 each.(I'm not even going to introduce rebates here, so we are dealing generically o.k.) Dealer doesn't have that much money so Finance company(z)loans the dealer 100,000 to purchase the 5 vehicles. X then places the vehicles on his lot. The buyer walks onto the lot and decides that they like the vehicle and want to purchase said vehicle. Ideally, the dealer and the buyer then work out an agreeable price. Let's say the buyer and dealer work out a price of 25,000 (arbitrary numbers... ) The customer then advises the dealer that they do not have cash to pay for the vehicle, and ask the dealer to reccomend a finance company(remember, you can always get a preapproval from your own bank before walking on the lot) The dealer of course reccomends Z to do the financing. Here's the catch... THE FINANCE COMPANY IS NOT FINANCING YOU IN THE TRADITIONAL SENSE. DON'T GIVE UP, KEEP WITH ME HERE. The dealer writes up a contract for the purchase price, apr, and any additionals (ex: warranties) He then submits the information to the finance company and says, in a way, "IF I APPROVE MY CUSTOMER ON THESE TERMS, WILL YOU ADMINISTRATE THE CONTRACT FOR ME? Did you catch that? The finance company decides at that point whether they would like to purchase that contract from the dealer or not. HERE'S WHAT HAPPENS NOW>>> The finance company says o.k. we'll purchase this contract if you approve it. The finance company then pays the dealer THE AGREED PURCHASE PRICE not interest. The dealer may, get a kickback from the finance company if say they would have accepted the contract at %8.0 and the dealer wrote the contract for %10.0 BUT the kickback is NOT THAT GREAT. Maybe $500.00 If the customer is a good customer and there is the potential for future business, the dealer may even choose to write the contract at the lowest possible rate. My company even starts to penalize the dealer for increasing the rate too high, but that's mine, I don't speak for others on that matter. SO THE FINANCE CO. pays the dealer the PURCHASE PRICE and then the dealer turns around and pays the finance co. what they borrowed on the vehicle. SO THE DEALER MADE 5,000 off this particular deal + maybe a $500 kickback for the rate increase. THE FINANCE COMPANY THEN TAKES OVER THE LOAN. They earn all the interest that accrues on the account. IF THE VEHICLE IS REPOSSESSED>>> the finance company hires a company to reposses the vehicle and then the vehicle is sold at a dealer auction. Lets say the customer owed 15,000 remaining on the account, and the vehicle is worth 17,000. The dealers are certainly not going to pay the full 17,000, they want to make some money by purchasing that vehicle and placing it on their lot. So, the highest bidder bids, say, 7,000. The customer liability is then 8,000 + any repo and like fees. THEN THE WHOLE PROCESS STARTS AGAIN>> THE dealer financed 7,000 and will try to get a customer to purchase the vehicle and his finance company to purchase the contract. Hope that was clear, I tried to keep it simple. If you have a question, please let me know. I am trying to help people understand the process so that maybe they don't go in so blind and maybe they can look at the contract and know what each thing on the contract means. ONE TIP>>> LOOK AT THE NUMBER IN THE FAR RIGHT SIDE OF ALL THE BOXES UNDER THE "TRUTH IN LENDING DISCLOSURES" This amount tells you how much, including down payments, interest, and everything you will end up paying... IF you are purchasing a 20,000 vehicle and that amount is say, 30,000 and you are not getting warranties, something is wrong with that picture.. WALK OUT!

Now, it is my turn, And yes I have done my homework. Let's say that you bought a car from your so called friendly "Shark Pond"/car dealer and soon after your purchase you feel you have been Ripped OFF! The below is a true statement I found that I think people should read. We all know that JDByrider would not want you to read what is posted below. On January 31, 1999, Ann Brown of Sandusky, Ohio borrowed $5,500 at 25% interest from a J.D. Byrider Franchise car lot to finance her purchase of a car from Byrider's used car lot. The car turned out to be a "junker" and a safety hazard. The entire wheel and axle fell off when Ms. Brown's teenage daughter was driving down the road. In her lawsuit in Ohio court, Ms. Brown alleged that she was forced to pay an artificially inflated price in violation of the Truth in Lending Act. Ms. Brown also alleged that Byrider violated the Truth in Lending Act by requiring her to accept an $895 warranty fee that was also to be financed by J.D. Byrider at 25% interest. In addition, Ms. Brown alleged violations of the Ohio Sales Practices Act and fraud. But Ms. Brown was denied her day in court by the district court in Ohio, which ruled that the arbitration agreement contained in Ms. Brown's contract had to be enforced because of the FAA's policy favoring arbitration. Under that arbitration clause, Ms. Brown LOST ALL her claims under state and federal lending and consumer protection laws although Byrider retained the right to sue her. She also waived her right to punitive damages, no matter how reckless or malicious Byrider's conduct. Instead, she must proceed under Byrider's choice of arbitration, for which she must pay half the costs and attorney fees. The costs of arbitration, which begin with $300 - $500 filing fees and approximately $1,500 per day arbitrator's fee, exceed the value of her claim. It is simply not worth it to take the case to arbitration. In sum, Byrider is using this arbitration clause to insulate itself from the consequences of violating the Truth in Lending Act, Ohio Sales Practices Act and flat-out fraud. Ms. Brown did not understand that she was waiving her right to go to court when she signed an arbitration agreement with Byrider. This is hardly surprising because the Byrider financing officer himself had no idea what arbitration is or what the rules of arbitration are, so he was unable to tell Ms. Brown what rights she was waiving. Nor was she given an option -- the credit contract was presented in a standard form, take-it-or-leave-it format and she was not allowed to challenge any of its provisions. The mandatory arbitration provision only applied to Ms. Brown. Had she defaulted on her loan, Byrider would have been able to file a lawsuit against her. When Ms. Brown first filed her lawsuit, Byrider stopped using the mandatory arbitration clauses in their contracts. But once the courts refused to vindicate Ms. Brown's rights in court in favor of arbitration, Byrider began using the clauses again. Ms. Brown's attorneys have received inquiries from over 40 consumers similarly defrauded by Byrider. Unfortunately, no matter how many of J.D. Byrider's former customers are defrauded, they cannot file as a class action because the mandatory arbitration clauses in their contracts waive their right to maintain class actions. Don't EVER think that car dealers hire lawyers to write up car buying contracts that help protect consumers from auto dealer deception. To all car buyers. Go get that real long contract that your so called Friendly "F&I Clown" had you sign and look on the back side for the word "ARBITRATION" If you find the word "ARBITRATION" printed on your contract, guess what? You my fellow AMERICAN have given up any legal rights to take the "SHARK POND" to court and get your case in front of a jury. Car dealers that love ripping off consumers do NOT want you to get your case in front of a jury. "Shark Ponds" and their "Lot Sharks" do not want you to have access to a jury because they can't control, manipulate or bribe a jury. If your so called friendly car dealer wants you to sign a contract that has a built-in arbitration clause in their contract, tell them to SHOVE IT! Also, some arbitrators are in bed with the "Shark Ponds" law firms and you the car buying victim will never find out about it. The bottom line is, Car dealers want to have legal loop holes in their favor so they can rip you off, send false contracts to banks, Rip your credit report a new A hole with or without your permission, Print misleading ads in newspapers, disclose their misleading disclaimers so F,,,ING fast that no one could understand them, steal your trade and so much more! My question is: Why is it that the FTC does not bend more of the dirty car dealers over and give them what they deserve? If you feel you are a car dealer's victim, make sure they make the Rip Off Report. Use your Freedom of SPEECH! The constitution provides it to you for FREE!

John, you reasonably asked for proof of some of my claims, and I backed them with independently verifiable facts, which at least one other person went out and independently verified. All that you have left is to say over and over "You are not correct" which isn't proving anything, it's just lowering your credibility. I think enough has been said about the "two companies" for an objective reader (hopefully, someone IS reading this...) to decide for themselves. Most of the reports here deal with a certain class of companies: those that are designed from the beginning, and operated daily, in a way that will rip-off every well-intentioned customer that comes through the door. Such companies are a scourge on our proud commercial landscape and must be exposed. No consumer will ever better their lot in life by dealing with them, despite their PR blitz of "we're here to help." It is into this class of businesses that I place JD Byrider / CNAC. It isn't just your company. Certain business models set up on the rip-off principle breed large groups of companies: payday loans, subprime car dealers (and to a considerable extent, prime car dealers), rent-to-own stores, garbage credit cards, etc. I rail not only against your company but also all others that seek to rip-off unwary consumers by taking advantage of their naievete, perceived desperate situation, or both. As you said, I am here attempting to protect people. Subprime dealers and finance companies must have a very close business relationship, likely continuing after the deal is done, which isn't disclosed to the consumer. Instead a wall of plausible deniability is built between them, even when they have the same owners. This allows the salesmen to use the psychological trick of "good cop - bad cop" on buyers. Salesmen say that "We're are trying to get a good deal, but the mean old finance company just won't give any better terms because you've got bad credit (and you should be ashamed, and glad I'm here to help you...)." But actually the dealer makes more money the worse terms the buyer agrees to. This happens at prime dealers too. Buyers should never let the dealer arrange financing util after they've shopped for it themselves and know what kind of terms they can get on the open market. Once the contract is signed, all the "good cops" are gone. The game continues though by offering asinine explanations like John presented. No finance company that wants to stay in business is going to give any dealer $7250 for that '94 minivan, with no hope of getting it back, especially when the buyer has weak credit. The real explanation, and I wouldn't have faulted John for saying it, is "Well, you signed and agreed to pay $7250, so that's what you're going to pay. See you in court." It's a pre-meditated rip-off, and it's completely legal. It's been going on for years. I'm glad John is offering to make the situation right with Debbie. I would consider it a fair resolution if JD or CNAC or whoever tears up Debbie's contract, calls of the bill collectors, and deletes anything negative they put on her credit reports. She was dissatisfied with the van and service she received, and was hoping to "undo the deal" by returning the van but didn't know it doesn't work that way. If she really only had the van a few weeks and returned it in essentially the same condition it was originally, JD shouldn't have suffered any economic losses that weren't covered by money they already have from her, such as the down payment. She probably is ready to chalk the loss of that money up as one of life's expensive lessons if she doesn't get punished with seven years of bad credit. It doesn't appear to me that James in Florence actually bought a car. It seems he went in, saw that it was a rip-off deal, walked out, and posted his report as a warning. As far as having satisfied customers, there really are some people who are so poorly informed and/or readily influenced by sales pressure that they don't even realize they're being ripped off. This is JD's ideal customer base. Hopefully it is shrinking.

Mike, The picture you paint is not correct. I would commend you on your research though, you have done a lot of work in trying to get to the bottom of the responses I have given. I noticed that you didn't address my willingness to talk to you or any other customer direct. In particular I am concerned about what your issue was. My integrity is not an issue that is why I have taken the time to respond. As far as this website, I recognize that it is a place for people to vent. I want to bring resolution to issues that are out there. I tried to educate you but your interest was not in that but rather to make an attempt to prove me wrong or at least put more negative emphasis. What you will find if you complete your research that CNAC and JDBYRIDER are separate companies. What you did find is that Mr. Devoe founded both of those companies in an attempt to build a second chance credit model that would work for both customers and businesses alike. What you will find is that CNAC is an exclusive lender to the JDBYRIDER franchised store. So what you think you are uncovering is not uncovering anything. You will find that CNAC and JDBYRIDER are separate yet exclusive. Have you noticed that ASPLUNDH tree service is exclusive for the railroad. The railroad doesn't own ASPLUNDH but there is an exclusive relationship there. As far as ownership, I would say that you will find that there are companies that own land development groups, finance companies, car dealerships, etc. But let's get to the heart of the matter. You want to broadcast a negative image of our company. I can't speak for every JDBYRIDER because I haven't been there. Is it possible that you could have a negative experience with a location. Sure it is, your experience is only as good as the person you interacted with. So your research concerning monster.com research as well as other reputable employment search groups should tell you our goal is to hire reputable professionals and create a pool of people to hire from. So again another effort to improve not deceive. I have offered up our number. I have offered to help bring resolution by listing web addresses to handle issues nationally. I am curious what your interest in all of this is, because you are definitely on a mission. I applaude your efforts to protect people. I think your advice you gave in a previous rebuttal to not borrow money if you can't pay it back, is a good one. What you will find in the CNAC interview process is that they try to find ways to tell people "yes" based on the information the customer supplies. Many times CNAC has to say wait or no. Most people end up coming into JDBYRIDER to get a car because everywhere else has told them no. Some people acutally come in as repeat customers because they had a positive experience. On that note, your comment on the independent survey company, we don't get to choose who they call. They get every sale we make, then they randomly choose who they call. We like that so that when we do see patterns of success we want to repeat those and when we see patterns of failure, we want to correct it. So we do want to help and be a good service provider. So again, I have nothing to hide and I have offered to supply you with the survey company data as it is important for them to be neutral as their objective unbias is the only thing they can market to consumers and companies alike. Again, I am happy to share information with you. I have nothing to hide. As a matter of fact, it benefits us to remove the mythology that is out there. So take my offer, call, email me directly [email protected] (see everyone can see it) and I will pass on any way I can help. Nothing to hide, no deception, just trying to reach resolution. So let's address people's problems. FYI I have people researching both Debbie's and James' issues (Florence and Seymour) as those are the two locations I can influence. I see you are from VA, and I can set up a contact for you there, if you really want to help people. This business is a good business that really does help people who traditional lenders and car dealers won't help because of their history. This business really tries to look at people's future and take risks. It is not a non-profit organization, but if you think people are making "big" money you would be sadly mistaken. I believe a composite I read was like 6% net profit (nothing to write home about). I hope this answers questions and let's you know how serious I am. For what it's worth, if you've had a negative experience, I am sorry to hear that, I can't change what happened, I can change what will happen, you just have to let me know.

Mike is right about Byrider and cnac. Mike, you might get a laugh at http://www.jdbyriderdover.com/ And I quote: "As the industry leader, we know that getting fast credit approval is pivotal in the process of buying a car. That's why we formed our own special finance company, CarNow Acceptance Company (CNAC)". When on that websight, the loan application link sends you to the same Byrider sight as any other one with JD Byrider logo and all. Also, Monster.com, that you mentioned, has all the cnac job offers listed under Byrider and only has Byrider contacts.

OK, I did my research. It was grueling. They are really trying to appear independent. I'm not sure why, it seems that it would be legal for them to be the same, but buyers would then easily realize it's a surefire rip-off. First I go to the jdbyrider.com site. About what I expected, a bunch of colorful pap to lure the unwary. The "credit application" link leads to a page at secure.cnac.com which is a form to "apply for credit" (Really you're just registering yourself as a "lead" for the local JD Byrider). The cnac.com site appears to be only this page. I dig into DNS records. Turns out that both jdbyrider.com and cnac.com are registered to "Byrider Franchising Inc" of 12802 Hamilton Crossing Blvd, Carmel, IN 46032. This is suspicions. Independent companies want to register their web sites in their own name so they can always control them. If JD and CNAC had a falling out, JD would still control the lucrative cnac.com domain and all the customer goodwill it holds. But if CNAC and JD were the same, it would make sense for the 12802 Hamilton internet guru to register both of them. On the jdbyrider.com site there is also a page to recruit francise owners. Here we learn that the CEO of JD Byrider is one James F DeVoe. Nearly all CNAC and JD locations are franchises. What is unusual is there is no similar page at cnac.com. If CNAC were independent, they would be recruiting francisees seperately. What I think is the case is that when one buys a JD Byrider franchise, they are told how to set up their "independent" CNAC franchise. Now into the state corporate records. These are typically found off of official web sites like "www.state.in.us" for Indiana, etc. Not hard to find JD Byrider and CNAC in there. The CNAC main office is at 12794 Hamilton Crossing Blvd. That should be within hand grenade range of the JD Byrider main office at 12802. Unfortunately you have to *pay* for detailed corporate records from Indiana. Indiana gets my "Greedy Government Bastards" award for tonight. What I would like to know is if DeVoe is also CEO of CNAC. I do see that CNAC used to be called "DeVoe Acceptance." So it's very likely that DeVoe founded CNAC. The plot thickens. Unfortunately it would cost Real Money (about $2.50) to find out for sure. So I persevere. There must be some way to find the smoking gun for free. I'm mucking around in Ohio now trying to see who owns the various JD and CNAC franchises. Turns out that Richard Holden, 1610 Arthur Ave, Lima OH is involved with both companies. Of course he could just be a lawyer that they both happened to hire independently. I see that Holden has registered most of the CNAC in Ohio on behalf an Indiana company, Byrider Finance (of 12794 Hamilton Crossing). So now we have the name Byrider attached to the 12794 address. Byrider Finance has registered as a foreign corporation in Ohio, number FC5920. Now if you go here and enter this number: 1376423 (this is Hamilton's registration of CNAC/Byrider Finance Inc) http://serform2.sos.state.oh.us/pls/porthope/DEV.RPT_CHARTER_REG_SQL.SHOW_PARMS you get this document, which reveals the FC number: http://serform.sos.state.oh.us/Cgi-Bin/Rwcgi60.Exe?Server=Rep60_Serform+Report=Corp.Rdf+Userid=Webimag/Webimag@Imge+Destype=Cache+Tolerance=5+Desformat=Pdf+Din=200307901478 Now enter the FC number FC5920 into the query and get this document: http://serform.sos.state.oh.us/Cgi-Bin/Rwcgi60.Exe?Server=Rep60_Serform+Report=Corp.Rdf+Userid=Webimag/Webimag@Imge+Destype=Cache+Tolerance=5+Desformat=Pdf+Din=6170_1588 Scroll down to page 3 or 4 and here is the smoking gun: James F DeVoe's signature as PRESIDENT OF BYRIDER FINANCE (aka CNAC) of the 12794 office. BOO-YEAH! Same CEO, same company in my book. Any profits or losses that JD Byrider or CNAC make go in or out of DeVoe's pocket just the same. He's going to get both divisions of his company to work together in order to maximize the total profit. True, this form is from 1998. I suppose John could say that there's been a falling out since then, but there hasn't been any reason to suspect that. Someone with easy access to the current Indiana records could prove that wrong. What about the franchisees? They're independent anyway, right? Again to the state records. Most state record web sites are abysmal. Besides JD is doing whatever it can to obfuscate things under different names. A shining difference is found in Rhode Island. Just two clicks from the main state.ri.us page you can enter the company name, address, or whatever and get all the data on a company. For FREE even! Kudos to RI. Anyway, from the dealer locater at jdbyrider.com, we have: 615 Reservoir Ave, Cranston RI, which leads to two listings, one for JD and one for CNAC, official names and "managers" Venturcap Investment Group V, LLC -- Edward J Wiggin(s?), Manager - JD Byrider Venturcap Financial Group, LLC -- Edward J Wiggins, Manager - CNAC So if you deal with ANYONE at the Cranston, RI branch, either JD or CNAC, they all are answering to Edward Wiggins. They are NOT independent. Still not enough proof for you? Go to monster.com and look at the JD Byrider ads. Seems they need mechanics really bad (We've got really bad mechanics!) Also there are listings for "collections specialists" working for CNAC? What's up with that? CNAC and JD jobs listed in the same place? One of the collections listings even instructs applicants for the CNAC job to email someone at jdbyrider.com! So, John, quit wasting words saying that JD Byrider and CNAC are not the same, now that you know they are. It's PUBLIC RECORD. But what if they weren't the same company? Could INDEPENDENT subprime dealers and finance companies still work together and rip people off? In the immortal words of Steve Austin, HELL YEAH! It could work something like this. Now I'm not an industry insider so I don't know for sure, but it seems like this scheme should work. This is probably what smaller subprime dealers do because they can't justify the overhead costs of running a finance company. (1) Finance company actually pays the dealer MUCH LESS (less than half) than the "amount financed" at the start of the loan. This is OK with the dealer because he's marked up the price of the car greatly. (2) If the buyer makes enough payments, to cover the amount advanced under step (1), finance company starts to kick back part of each payment to the dealer. (3) If dealer successfully repos the car at finance company's request, dealer may have to return part of the amount paid under (1) to finance company. However, dealer gets posession of the car to sell again. Meanwhile finance company lies to buyer that car was sold "at auction" for approximately $0.00 and attempts to collect a large sum from buyer. This plan shares the losses and profits that may occur during the term of the loan between the two companies. Effectively, it's as if they were the same company. The plan would of course be a tightly guarded secret. If buyers found out about it, they would rightly conclude that "you guys are in cahoots to rip me off". Where am I getting the prices of the cars? The Kelley Blue Book, www.kbb.com. One of your colleagues at the car dealer may have heard of it. In this case, I may have been a little off, the 94 TransPort could be as much as $4390 "dealer retail price". This is assuming the lights, seat belts, wipers and everything else work, and the tires are not bald. Those problems might take about $400 to repair. Also the "dealer retail price" is "a starting point for negotiation", in other words Kelley is not going to publish a low price that may offend its dealer customers. So all told, Debbie's van might be worth $3800. There is NO WAY it is worth $8000, unless the right combination of deceptive salesman and ignorant customer can be found. Next we get to the lies, d**n lies, and statistics segment. "An independent study of our customer base at random?" Yeah, right. I'm sure that you gave the independent company your entire customer data base, not a "Sunday sample." I didn't say one could easily get a "great" car for under $2000. I said that it was possible to find a "good" car for under $2000 if one were very careful. This is not something that can be done at the drop of a hat. Anytime a consumer rushes into any purchase they will likely pay more, perhaps to the point of getting ripped off. I will not get into my under $2000 car treatise now as it is not really apropriate here.

Mike, It is obvious you are maliciously attacking the company. You are broadcasting a false message about the companies being the same. Research and you will find they are independent. It is that CNAC exclusively lends to JDBYRIDER customers. You will find there are other second chance finance companies out there as well. For example CAC. They pay the dealerships for the cars and deal with the finance issues. Though you are articulate, you are incorrect. As far as the value of the vehicles, I would love to see where you are getting your numbers. In additon on another response you gave, you listed that you could buy a great car for $2000.00. I would like to hire you to do that for me. The fact is, your information, though nicely written, is incorrect. Feel free to call me at the listed number on the website 859-746-0043 if you have any questions. I am not sure where you are getting your information. I have offered resolution to each customer, not condemnation. WE WANT TO RESOLVE ISSUES not hide from them. For your information one of our locations just received the number 1 rating in the nation for mechanical resolution and that was done by an independent survey company to our customer base at random. You are welcome to the results. I have the information to back my claims. Instead of misinforming people, try directing people to the source. WE ALSO have a website www.jdbyrider.com where we have a dealer services representative that actually works on resolution to customer issues. We have inventory managers in our company and we have a customer sastifaction index division as well. We are committed to making a difference for people. It sounds like some people have had a bad experience and then have not really followed up on the problem. If the efforts were put into contacting us at the available contact methods I have listed, that were put into bashing, you would find resolution. The fact of the matter was if we didn't care, I would have just blown off this negative website. Instead, I want to make things a positive. I hope you and other consumers take advantage of what I have listed.

Everyone here should know by now that JD Byrider and CNAC are the same company. Since the companies are not independent, the purchase price of the car is strictly "funny money" between them. If the buyer defaults, JD/CNAC cannot lose any more than the actual value of the car, which is quite low. And the car was probably actually paid for by previous buyer(s) who had it repoed. A real independent finance company would not write a loan for more than the book value of the car, because then they stand to lose quite a bit of money to the crooked car dealer. If your cars are of good quality, why aren't potential buyers allowed to test-drive them before signing anything? Why does the warranty cost extra?

This is in response to Debbie in Mitchell IN. There are a few items in the customer report that should be addressed. To begin with the automobile sale and the loan are two different items. JDBYRIDER is the car dealer that sold you the automobile. You did have an issue with them with respect to some safety features you wanted to resolve with the van. Secondly you disabled your plight by dropping your van off. Your automobile loan was through CNAC Finance and you dropped the collateral of the loan off and defaulted on your payments. So you took a loan out, CNAC paid the automobile sale price on your behalf to JDBYRIDER. Your complaint with JDBYRIDER should have really been taken to CNAC as well, as it was their collateral that you had an issue with. So now, JDBYRIDER was paid for the car, you didn't get your issue resolved, you turned the car into the finance company, you didn't pay your loan to them, so they had to sell the collateral and now collect on the loan. So that is the real breakdown of what happened. There is no time frame listed here so you are really reporting something incorrectly. Anytime you have an issue with JDBYRIDER in Seymour you can always call 1-888-91-DRIVE and we can get your issue resolved. It is in our best interest to resolve customer issues. Things will happen with cars sometimes, so we need to work out what is going on and get it resolved.