When your dealing with ppl who have not much income or on support in someway you figure then when options are available to buy a vehicle then you can be given leeway and mitigating circumstances since you havent much too begin with. Well mac james northside location, likes to figure one chance no more and are ready too pull the rug from under you right away which messes up your credit even more. They turned out to be capitalists as usual your typical salesman, anyway i do not need ppl like Jason at Mac James motors and the finance company that helped me get a car quickly and then quickly repossesse my car the very next business day.
Two years ago, I financed a 2009 ford fushion at 33 percent, they said it was the lowest they could do in my situation which now I know was not true at all. I could have qualified for some cheaper rate. So figuring I had no options with their quick talk I signed up for it. Then, a month later my car pmt was due a few days before my payday, I asked for an extension, and they could not do it. It's a high risk loan, and I'm a high risk person according to the finance company. So I knew this was only going to get worse when my payday wasn't in the account on time after telling them at Mac James and the finance company that my pay wouldn't be in my account by my car due date. And was charged the 45 dollar overdraft fee then another 45 dollar overdraft fee?... Now im almost 90 dollars short for my car pmt and need too make that up somehow since I'm trying to repair my credit here which they agreed with assisting me on? Never happened!
Like helping me repair my credit, affordable payments, being flexible on dates, accepting partial pmts, flexible payment plans designed for you, the consumer, in mind. blah blah blah..... But yet they where not willing to give me time to make sure they where paid? So when the two NSF fees went through and I had to find extra funds too make up the full car payment, because non of there b.s. mottos where true. A day later after the car due date, they rejected my car payment and took my car. My car pmt was a few days late and they repossessed it because my payday isn't in on time!!!
Now, last night I got pre-approved for another car, I wanted too make amends with them and the same guy was their Jason to tell me even though I was pre-approved they where not going too work in helping me with another car. Regardless of the last situation and the way the timing played out between my payday being a few days passed my car due date. Didnt mean a thing too mac james to even consider it, let alone mitigate any circumstances that this was ME trying to pay them, trying to make pmt arrangements with them, and "within a day of the cars due date and not accepting or working with me on making pmt arrangements beforehand" they repossesse it. And today, jason was literally walking me too the door when I sat down and he had his hand on me telling me to go to GO Auto OR some other place instead for a vehicle and outside he said leave them alone and go back to whatever FIRST NATIONS I came from! :( After I tried to make amends with these ppl from the situation two years ago prior. This is how I was treated and why I spoke out today about it. read more