Rapid Auto Loans is the devil incarnate. Sure, they helped me out this summer, when my unemployment fell through.
Now I wish I had walked the street or sold crack, instead of dealing with these crooks. The Better Business Bureau has given them a D, on a scale from A-F, so make sure to file a formal complaint with them. First of all, on many occasions, when I was current, I would get a recorded message from this hateful sounding male, informing me that I was in default. This always happened on a weekend, so I would have to endure the weekend under duress, until I could speak with someone Monday morning.
Calling when they ARE actually open, is an exercise in patience, since you wait anywhere from 8 to 20 minutes before you get a human being. As far as I can tell, my online account has NEVER been accurate. On several occasions, I had to scan and email my payment receipts, in order to prove I made them.
There was one night, when I got the recorded message, on a Saturday, 4 times, ranging from 1am to 5am. I called John Morgan's office, did an interview, and they agreed to take my case.
I decided not to go there, but now, I am going there with guns blazing. Yesterday I was right at 40 days. I made a payment in the morning, which is still not posted. When I woke up this morning, they had taken my car.
After having a series of small strokes, and being hung up on by one of their reps, Theo, I was given several different reinstatement amounts.When I called back and was given a different amount, the female rep not only failed to apologize, but implied that I'm a *** for not being able to calculate the amount, which was arbitrary to begin with. Fortunately, I was able to get the cash, and get my car, (which was 28 miles across town). My car had been raped. Everything, important papers, scores of sheet music and cd's were thrown into a box and virtually destroyed.
I was very polite at the towing lot, it's not their fault this happened. I'm reviewing my old receipts, and from what I can glean, this repo was totally illegal. I'm filling out the paperwork for John Morgan's attorney who's been contacting me, and starting proceedings next week. If anyone else on here has experienced harassing phone calls from this company after hours, or a similar repo situation, perhaps we can collaborate on a class action suit.
I would live in a homeless shelter before I would do business with these people again. As far as I can tell, the only "business" they do, is the kind a dog does in the yard. Please contact me if interested, by posting a comment.
As an experienced and avid blogger, I'll be posting this on every blog site on the planet. I urge you other victims to do the same.
Product or Service Mentioned: Rapid Auto Loans Loan.