- Report: #238948
Complaint Review: UNITED AUTO CREDIT - SYRACUSE New York
-
Author Confirmed
Why?
UNITED AUTO CREDIT
NY SYRACUSE, New York, U.S.A.
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
UNITED AUTO CREDIT ILLEGAL COLLECTION TREATENING SYRACUSE New York
AM I THE ONLY ONE????
BOTH ME AND MY WIFE HAVE LOANS WITH UNITED AUTO CREDIT, MY WIFE LEFT ME LAST MONTH, HOWEVER SHE LEFT THE TRUCK HERE AND SAID SHE DIDDNT WANT IT ANY MORE..... SO THE PMT WAS DUE ON THE 6TH, THEY SHOW UP AT THE HOUSE ON THE 9TH DEMANDING PAYMENT, WHERE SHE IS LOCATED ECT.....NEXT I WAS TOLD EVEN THOUGH WE HAVE SEPERATE INDIVIDUAL LOANS THAT I AM STILL RESPONSABLE FOR HER VEHICLE AND IF THE DIDDNT RECIEVE PAYME NT FOR HER VEHICLE THEY WOULD REPOSESS BOTH VEHICLES, NOW MY PAYMENT IS ALWAYS 2 WEEKS AHEAD OF SHEDULE NEVER EVER LATE....THIS IS WRONG, NOT ONLY THAT MY WIFE WAS NEVER LATE IN 2 YEARS AND THEY SHOW UP 3 DAYS AFTER PAYMENT WAS DUE/. SECOND WE HAVE A JOINT BANK ACCOUNT STILL (EMPTY THOUGH) SHE MADE A PAYMENT SEVERAL MONTHS BACK BY CHECK, THEY TRIED TO ELECTRONICLY DRAFT THE BANK ACCOUNT AS WELL ON TOP OF IT ALL, IF ANYONE KNOWS OF CLASS ACTION SUIT PLEASE LET ME KNOW.
ED
SYRACUSE, New York
U.S.A.
BOTH ME AND MY WIFE HAVE LOANS WITH UNITED AUTO CREDIT, MY WIFE LEFT ME LAST MONTH, HOWEVER SHE LEFT THE TRUCK HERE AND SAID SHE DIDDNT WANT IT ANY MORE..... SO THE PMT WAS DUE ON THE 6TH, THEY SHOW UP AT THE HOUSE ON THE 9TH DEMANDING PAYMENT, WHERE SHE IS LOCATED ECT.....NEXT I WAS TOLD EVEN THOUGH WE HAVE SEPERATE INDIVIDUAL LOANS THAT I AM STILL RESPONSABLE FOR HER VEHICLE AND IF THE DIDDNT RECIEVE PAYME NT FOR HER VEHICLE THEY WOULD REPOSESS BOTH VEHICLES, NOW MY PAYMENT IS ALWAYS 2 WEEKS AHEAD OF SHEDULE NEVER EVER LATE....THIS IS WRONG, NOT ONLY THAT MY WIFE WAS NEVER LATE IN 2 YEARS AND THEY SHOW UP 3 DAYS AFTER PAYMENT WAS DUE/. SECOND WE HAVE A JOINT BANK ACCOUNT STILL (EMPTY THOUGH) SHE MADE A PAYMENT SEVERAL MONTHS BACK BY CHECK, THEY TRIED TO ELECTRONICLY DRAFT THE BANK ACCOUNT AS WELL ON TOP OF IT ALL, IF ANYONE KNOWS OF CLASS ACTION SUIT PLEASE LET ME KNOW.
ED
SYRACUSE, New York
U.S.A.
1 Updates & Rebuttals
Gerald
Mattydale,New York,
U.S.A.
Car loans gone bad
#2Consumer Suggestion
Thu, April 12, 2007
Ed, A few things are left out of your problem: 1) is the loan for your wife's car also in your name as tne co-signer? If so you ARE responsible for keeping payments up to date. 2)since you state that your car is on a seperate loan, they do not have the right to reposes your other vehicle if it is payed on time. 3) a draft has to be authorized by one of you, either your wife or you. They can not automatically attempt to gain access to your funds in your account without first having prior permission. There has to have been a time where she was paying thru direct debit from her/your checking account. Banks do have the option where a certain amount of money is set to be paid to a certain company on a certain date. This is the only way that this could have happened. You need to speak with her about that . If you do not want to keep her vehicle, and she has considered it abandoned, send her a letter certified return receipt informing her that you are not responsible for her debt. Also, put a small ad in the newspaper saying the same thing if you can not locate her. Then contact the loan company and tell them to pick up the vehicle. Turn in the plates to the DMV youself, dont wait for her too do it. Before you start a lawsuite/ class action, you need to do some home work. Contact the loan company, discuss the issue with some one other than the person that you spoke with. See if there is some compromise that can be done. Usually, loan companies have a grace period where there are a certain amount of days after the payment date has passed that a payment will be considered on time. There are also times where they understand extenuating circumstance. Document who you talk to, when and what was said. If you need to send them documentation, send it certified , return receipt requested. After all your avenues of fixing this have been exhausted and you have not been made whole, then and only then can you seek help thru the courts.
