I recently fell behind on my payments. For those of you that have criticize others on here, let me make one point, and that is that I did always make my payments, and fell behind due to a medical condition that kept me from work and drained my savings.
I called CNAC, and advised of the situation. I tried to work with them, offering partial payments, but was declined. CNAC stated that the only option is to make the total payment. CNAC then began harassing me, acting as if I was dodging them which was NEVER the case.
The contacted friends and family members, my place of work, and even called my neighbors. The would call their homes, cells, and places of work. I even was advised that CNAC had stopped at my neighbors to get personal information about me. I asked several time to stop the harassment, but they advised that they have every right to call, and stop at the residency,of anyone they want to contact me.
Again, I NEVER dodged their calls, and always returned calls that I missed. I finally was able to pay the past due balance that was owed after returning back to work, and getting my Federal tax return. The local office closed recently, and the nearest office is now 45 miles away. They demanded that I drive the 90 miles, round tip, to drop off the payment.
They offered to take the payment by phone, but will charge a $5.00 fee, plus I know that they keep my cc# info and do not want to take a chance with these people. They also offer a auto pay, but again, I do not trust these people. I sent the payment to them via certified mail. Enclosed in the envelope where two money orders, a letter giving official notification to discontinue calling my friends, family, and neighbors about my account or to get info about me, also a SASE so they could send a receipt for the payment back to me.
The letter was received by CNAC the very next day, and two days later I received my SASE, but enclosed was a receipt for less then what I had paid. I also received a letter advising me that my car insurance had been canceled and needed reinstated. This did occur and was due to my financial problems. It had been reinstated, but CNAC had not received notification.
Immediately called CNAC and was advised that they did receive the full past due payment, but that they said it was my fault that I didn't get a receipt showing full amt. REAS: I sent 2 money orders and only one SASE!!! That makes no *** sense. The advised that they will send the other receipt.
i also advised them that the insurance was reinstated, and that I will fax the info to them, but due to my work schedule, would not be able to do so for 2 days. I later receive a voicemail message from CNAC and I was advised that they would send the receipt but not until I send the insurance info! I immediately called the BBB regarding this issue. Was advised that they are required to give me a receipt for payment and that I had gone above and beyond by sending a SASE.
I called CNAC and advised that I had called BBB and filed an official complaint, That I will not tolerate being bullied by them, and that until they send the receipt for my last payment, no future payments would be sent. I placed the payments in an account, and planned on sending a copy of the receipt to them. Before I was able to do so I received a call back advising that the receipt has been sent to me, and apologized for their actions. I also learned that the FAX number they had given me was no longer in service (I'm wondering if they didn't pay their bill).
Since then, the insurance info was sent, I'm up to date on payments, and I haven't received any further calls (and neither have my friends, family, and neighbors) I recommend NEVER getting a car from JD Byrider, Never get financing from CNAC! I know I wont!