It's funny that I should check these reviews now because I'm sure that I purchased the same 1998 Neon that the other reviewer purchased. Either way, I have been making payments on the car, was never late. In fact, I made my payments days early because I get paid in the middle of the week instead of the Fridays my payments are due. A requirement of my contract is that full coverage is kept on the car. My full coverage lapsed last night at midnight and they called and let me know this morning. I told them $250 per month was too much to pay for car insurance (no accidents or anything, just young) and still make payments on all of my other bills, especially considering I'm a full time student, single parent, and working full time. They told me that I had until 4 pm to restore full coverage or they would repossess the vehicle. I said okay, let me call my parents and I'll call them back with a solution. Not even 20 minutes later and a little after noon, my car was seized by the GPS thing they have installed. My daughter and I were stranded in a parking lot in a city I was unfamiliar with while my mother frantically called her insurance company to get coverage. First of all, I already had Direct insurance but they said they don't accept it. They conveniently had the name and phone number of a guy with First Acceptance that I called. Not only had I wasted money with my original insurance company. My new insurance was to be MORE than the payments themselves. And they forced me to get Gap coverage for an additional weekly fee added into my payments. Okay so now the $1500 car is covered with at least $30,000 in insurance from 3 different companies. During this process they were rude to me, my mother, and my grandmother whenever we asked why the car was cut off and why didn't they at least wait until 4 pm!?!?!?
Moving forward, we got the insurance thing settled and after being stranded for 2 hours with a screaming 1 year old in a mexican restaurant's parking, I drove to the dealership to pick up my tags and receipts for my payments. At first they lady only gave me some of my receipts. Then I noticed that my next payment on their schedule was for double what it was supposed to be. I asked the guy about it and he said remember we agreed to it?..... I reminded him that my contract that I SIGNED says that my payment that week was supposed to be lower than that. He then threatened me saying... "" Okay. But if you're even one day late, we're picking up the car."" I countered by reminding him, "" I've never been late. In fact, I've always been early."" and left.
The review about this place selling refurbished junk cars is right. My father (a Meineke Muffler franchise owner) inspected the car last week and confirmed that there was water damage in the back seat and trunk as if it were sitting in water. The shocks and struts are almost out. He's going to have to replace some brake hardware including the caliper, master cylinder, and something else I can't remember. The trunk didn't close for a while until my dad discovered that the lock was put on backwards. Like the previous owner said, the blue book value is actually less than $1500 now because of the miles on it and they're charging me $4100. It'll be $5000 by the end of payments.And they've already made their money just off of the other reviewer!
If you ask me, this place has a pretty good scam going. They require full coverage on the bucket-vehicles bringing the car's total cost per month well over $500 so that no working person in this economy can afford it. Then as soon as you slip up, in my case, with a 12-hour insurance lapse they stop the vehicle and you're either forced to pay up or lose your job as a delivery driver, drop out of school, or maybe worse.
Whew! Point is.... BEEEEEEWAAAARE
Pros: They didn't check my employment, credit rating, valid licens
Cons: They were rude to me and my family and had us stranded