CNAC JD BYRIDER I fell for the JD Byrider scam... is there anything I can do? Fairfeild, Ohio

4th of Oct, 2011 by User530485

I bought a car from JD march of 2010. The engine blew up a month ago. Prior to this I had called CNAC and asked my pay off of my 2004 Mazda Protege, they stated over 9grand. I said what is my interest rate? 22%! I said wow that is crazy high. I said now that my credit is better can you lower my interest rate? they laughed and said no we don't do that. I said can I ask your manager. She said sure. Asked the manager and he said nope. I said to myself okay I have to get out of this crazy loan/contract that I agreed to when I was desperate for a car. Called two banks, refinance...nope... personal loan nope.. but why, my credit isn't that bad... and my debt to income ratio isn't bad... they said the car you purchased isn't worth enough for what you want to loan out. So now I'm looking up the value of this car. My car is worth 3 grand.... I purchased the car for 12 grand!! I even put a grand down. Okay so now I'm freaking out over this loan. Go to trade in my car and the car salesmen laugh at me. YOU OWE WHAT ON THAT CAR!! Lets just say you can't take a car that is worth maybe two grand and trade it in and think they are going to put the negative on top of a used car suv or whatever. so now my car has blown up, needs a new engine. I call CNAC and tell them the car blew up and they said oh well you are in your 2 years of your warranty but your mileage is over the 24000 you were allowed to drive. I don't know what to do now. I am driving my boyfriendâ€™s car. CNAC calls me and my references everyday. ugh Can someone give me some advice please? If you work for CNAC or JD please just keep your "we helped you when you were down" crap to your self.

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