J D Byrider Corporation Used Car Dealerships & Others

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Minister Lorraine Bogan sent a message using the contact form at http://occupychi.org/contact.

Hello,

Does your organization help consumers who are prey upon by corporations and businesses because of poor credit status too?

Please forgive me if I am unaware of the full purpose of your organization.

There are too many corporations and businesses who are charging high interest rates and additional "hidden" fees and use "consumer loan sharking" methods. Many consumers are too afraid to fight for their rights after signing a "binding contract" after realizing they have been deceived.

I am fighting J D Byrider Corporation by myself. The lemon laws only apply to the condition of the vehicle and not unfair binding contracts.

I take care of my elderly sick quadriplegic father and disabled twin brother 24/7 and we desperately need a vehicle to transport my family to various medical appointments as well as I help high risk youth. Again desperate, I went to J D Byrider Corporation in Downers Grove. It took us four hours by public transportation. It was 8:30 p.m. by the time everything was done. We arrived at around 2:30 p.m.

I received the following conflicts below without no resolution from our Illinois States Attorney Office of Consumer Affairs and other Government and consumer officials. I could not find a lawyer who would advise me nor one I could afford.

We need to stop J D Byrider Corporation and other corporations and businesses from targeting and taking advantage of the working poor and others on a fixed income etc. They charge extremely high interest rates and hidden fees etc. These business practices harm consumers and it is unfair. These business practices take advantage of the working poor and others out of greed.

Below is what my medically disabled family have experienced:

1) I was deceived via phone and office that I only had to pay “$500.00 down payment.” I gave $400.00 as the down payment prior to reviewing and signing the “contract.” At the signing of the alleged misleading “contract,” I am to pay an additional $1,000.00 before the actual car payment due date of 12/05/011. Thus, the vehicle is not under “contract” until the first initial car payment due on 12/5/2011
2) I am charged the Total Sales Price of $16,462.00. The 2002 Kia Sedona is rated FAIR at $3,864.00 Kelly’s Blue Book Value. According to the check-up from Jiffy Lube, the vehicle is experiencing major mechanical problems.
3) I am allegedly charge interest rates of 21.900 percent, says the contract, of a vehicle value at $3,864.00. However, the rate is suppose to be 9% but our Illinois Government says 36%.
4) I am allegedly charge interest rates on the down payment of $1,400.00 when I'm actually just "renting" the vehicle. The first car payment was not due until 12/5/2011.
5) I am charged with additional unclear and undisclosed fees
6) I received intimidation, harassment, and threating phone calls deem as “reminder calls”
7) The vehicle was repossess after JD Byrider and CNAC after receiving payment
8) I was unable to resolve my complaints because CNAC and JD Byrider is the same company and not affiliated
9) I received unfair credit report from JD Byrider and CNAC
10) I had to signed the document from JD Byrider and CNAC that void me of my constitutional rights of seeking legal recourse and restitution or I would not have received the vehicle. My disabled twin brother and I would have had no way of getting home from Downers Grove, so (like a dummy) I signed the contract, so we would have a way of getting home and we desperately needed a vehicle.

I really need help to bring attention to this matter. We need to stop corporations and businesses from preying on those with poor credit and others who are struggling financially with very sick family members etc.

Thank you for your attention to my concerns and helping other customers of J D Byrider Corporation and struggling consumers too.

I pray that God will continue to provide each of you the strength to help others.

Unfortunately, I am not in the position to help, but I have been praying for your organizations across the Country.

Thank you again and God Blessed Each of you and your love ones.

Lorraine

[Ella Mae]

Lorraine -

I am sorry to hear about your troubles, and agree that something must be done about corporations preying on people. Unfortunately we have not been dealing with specific incidents or even companies - we are an activist movement. Since it is late at night I don't feel like I can explain it fully!! However I did want to give you a resource for transportation. I used to work with Medicaid clients and have heard so very many stories of people in horrible situations, people who are ill and have very little in the way of help. Thank goodness your father and brother have you!

This is a state program called First Transit, and they provide free transportation for Medicaid patients (and maybe Medicare also, I'm not sure). They don't actually provide the transportation, but they are the ones that handle the process. The way it works is you call with, say, your brother's doctor appointment info, they give you an approval number, then you have to call van companies (they can give you these numbers) until you find one that will take him, then you call First Transit back.......

Yes it's complicated but it is free! The number is: 1-877-725-0569
here is a link to their information:
http://www.hfs.illinois.gov/rdc/040504netspap.html

If you call, hopefully you will get someone who will explain it to you and answer questions. Sometimes there are some not too patient people who work there; others are very nice. Just call again if you don't get a nice person!

It sounds like you need legal help for the car situation. Maybe someone else on the forum can address that, but I wanted to give you the transportation information. This can only be used for doctor/medical appointments. I wish you & your family the best.

[Lucho]

Hi Lorraine,
I agree with the previous response since your issue qualifies as an individual problem with a particular company. However, I'd like to suggest that you consider starting a petition against the company. So, visit: www.change.org and read about how any person can start a petition. There are other organizations that allow us to do similar things but I can't think of their names right now.
Good luck,
Lucho

[myanswer]

Lorraine
If you want to talk to a lawyer and have $231 you can talk to a major law firm tomorrow. If you don't have the cash you can get free no interest financing with no application fee or credit check visit www.keithdsmith.com for more details.
When you get the service I make a cash donation to Occupy Chicago!