Complaint Review: JD BYRIDER - HERMITAGE Pennsylvania

Laree, I am not defending anyone else, I am only defending my dealership, and was addressing the complaints of the original author, I did not sell you a vehicle, and although I can sympathize with your situations, I cannot handle your complaints, I can only handle Brians, who purchased from me. Some of Brians concerns were outrages, like saying that we told him he would have to contact an attorney to get service records, this was not accurate, we only told him that he needed to contact the service garage that did his work, and he in turn threatened to get an attorney. Or saying he was angry that he discovered that he was being charged 21% daily interest, instead of 21% monthly, when in fact the interest would have been annual, (his #s) and comparable to a high risk credit card, and being that it is boxed out, and one of the largest printed #s on the contract, I cannot believe for one second that he did not know the interest before he left. Unfortunately this is his perception, and his perception is his reality, so all I can do is try to explain, since it is to far after the fact to be able to do any good. I can also tell you that some of Brians concerns were justified, he of course is angry with us so he is not going to put any of our conversations in a good light, but the things that we did for Brian were not because of a lawyer, or because he demanded we do something about it, but because we were trying to resolve his issues. He didnt like that we replaced his engine for one from a junkyard, even though he agreed to this in his warranty, how can this be something we did wrong? Seriously, If you bought a chair at the store, and when you got home realized you bought a chair, would you complain that you bought a chair? That was the warranty, that is what we offered, that is what he accepted, but then complained. Now we cant possibly guarantee that ever car is going to run without ever having a problem, and I will admit that Brian had his undue share of problems, but I also feel that we tried to address each problem he had in the best way we could I honestly can not help your individual problems, I can only try to help people that bought from me. I can tell you that each dealership is a franchise, and if you have a problem with a particular franchise you might want to try calling their consumer affairs line, call any JD Byrider and they will give that # to you. And we (Midwest motors dba JD Byrider) do not charge a $200 deductible, ours is $50, and at the time that Brian bought, we covered his power train for 18 months, or 18,000 miles, I can tell you that as our dealership grows, our JD Byrider is able to offer better and better services, we now cover the vehicles for 36months 36,000 miles, on power train, and 12months 12,000 miles on a few non power train items like breaks, electronics, interior, cooling system, ect. 24hour roadside assistance, all included, these all came about because of consumer suggestions, or complaints. Again I cant answer for other dealerships, I can only answer for ours, and I am not afraid of the Internet, I personally do not like having unsatisfied customers. We have sold many cars, and as we get complaints, or suggestions, we try to evolve to meet those needs as best, and as fast as we can. I am a human being, and contrary to what you may think, I do care about my customers. One last note Laree, most of the customers we get here, have been turned down by other dealerships at least once, if not multiple times, we get people loans for vehicles that would otherwise be unable to do so, and in turn, with their on-time payments, we can help them rebuild their credit, so they can buy new cars in the future.

Of course Don would defend this crooked company. I read all the complaints about JD Bryder and was disgusted. It comes down to the fact that this company sells inferior cars to the public. One of the complaints I read, the author was told she wouldn't be approved for a loan if she didn't buy their extended warranty. Don says that the customer who buys the extended warranty is only out $50.00 for costly repairs. That is not true!! I bought an extended warranty on a 1995 Jeep Wrangler and I had to pay a $200.00 deductible and it didn't cover hardly anything!! Why do we have to pay monthly on a warranty, pay an out of pocket expense and then get told "your warranty doesn't cover that". This is a total rip off!!!! I also read that the majority of people who utilize JD Bryder have credit issues. Well, I know that all of the larger car lots will work with you, bad credit situations can be handled through them. It will mean a larger down payment and a high interest rate, but the consumer may be able to get into a brand new car instead of a piec of junk.

Robin, I cannot tell you why you paid a certain amount, for a certain car, for a certain term. Our franchise, like most of the other JD Byriders, are independently owned franchise's, so what you did at another franchise cannot be address by me, you would want to contact the JD Byrider with which you had dealings. Referring to the original post, Brian stated that he was paying interest of 21%, I again will not go into why Brian was charged a certain %. But if this was his rate, it is not an outrageous rate for certain circumstances, 21% is the same rate, or in some cases less than, what you would pay on a high risk credit card. After paying on his loan he did NOT pay more than double his purchase price, as you have suggested, when using the home loan as an example, I was merely explaining that interest is the amount one pays to borrow money. Brian claimed that he would have paid $11,378 total, after borrowing $7422.90, (these are the #s Brian used) that would be just over $3900, in finance charges (if his #s are accurate). By doing the math it also looks as if Brians car would have been paid off in just over 3 years. This also is not an absurd amount of time based on your own assessment of 3 to 5 years being the norm. As for the problems that you had with your vehicle, this would not apply to Brian because he had an 18 month 18000 mile warranty that would have covered all but 50 dollars of a new transmission. We also went far beyond by supplying Brian with a different vehicle. You and Brians situations are not really comparable based on the information you provided. (I do not have access to confirm or deny your situation)

Don, I realize that people end up paying double the price of a house after financing for 15-30 years (depending on interest rate and length of term), BUT a car loan is not the same. Do not compare apples to oranges. A car loan is usually from 3-5 years, and should NOT more than double the price of the car. Also, how do you explain the fact that my 99 Voyager (with a book value of 7000) was sold to me at a financed price of $12000? This is before interest. And, the funny thing is, the van has been repossed in 9 months becuase after putting an extra $1000 into it, the transmission went out and the dealer was unwilling to work with me so that I could make my payment late and still pay the $3000 additional to fix the van. I realize that I pay higher prices and interest rates based on my credit history, but I was trying to BUILD up my credit, not destroy it....that sure didn't work.

Brian purchased a vehicle from our lot, and had a service problem with the rear end of the car. We could not find the problem, and after a couple of attempts they took the vehicle to a Ford dealer. They said that there was indeed a problem with the rear end of the car, and we replaced it at no charge to the customer. The car did need to be aligned after the rear end repair and since we do not have an alignment machine at our service facility, we had the customer take it to an outside garage at our expense. The vehicle was unable to be aligned, so we offered to fix the issue, and we also gave them the option of a different vehicle (not a usual decision that a used car dealer would make). They accepted this offer and they were traded out of their original car and into a new one. A couple months later, they had some service issues with their new car, and we did replace the engine under warranty, and fixed some non warranty items. From that date, I have no other records of any other service issues with the vehicle. When Brian had stopped in for a copy of his service records we did not have the records of service work performed at a different JD Byrider location. We provided him with a name and number to contact in order to get those records. We did give him copies of the records for the work that was performed at our location. The customer said if we do give him all of the records now, he would contact an attorney. We told him that although it is his right to contact an attorney if he wishes, he could probably get the records faster by just asking for them from the people who did the work. All cars sold by a dealer in the state of PA need to be inspected. At the time of the customers sale we did not do our own PA State Inspections. This would have most likely been done at one of the major brand name service centers in our area. So yes, the car had passed a PA inspection and there was a valid sticker on the vehicle at the time of sale. The interest that was charged (and we are using the rate that the customer supplied; 21%) is an annual rate, not a monthly, or a daily rate. 21% daily would mean that the interest would have accrued on the loan at $1558.80 per day, and at the very least it would have meant that he would have paid nearly $500,000 in interest in the first year (this is not the case). The interest on the loan however is ACCRUED daily which is the industry standard, and is on the financing contract, and also mentioned in the loan close (at 21% ANNUAL, the daily rate would be .0005753). As for Brian getting the 21% ANNUAL interest rate, there are several possible reasons for that, but I cannot legally go into any of those personal reasons. All of the interest rates are competitively set by the finance company based on the risk of the customer. Most of our loans are set up on customers pay dates for their convenience. We tell our customers that they can pay their loan in any many they wish, as long as they make the payments on or before their due dates. In Brians case (using the terms he mentioned in his statement) he could have paid 4 payments that would have covered the next 4 weeks. So he wanted to pay monthly it would be only a matter of looking at which payments are owed for the month and making that payment on the first due date in that month. For that matter he could have paid his payments quarterly or even yearly if he wished. Our customers are actually encouraged to pay their payments early and to pay extra if they can (there is no penalty for early pay-off, and no minimum finance charge) because they would save themselves money in interest, and it helps the customer to pay off the loan earlier. As for interest charges in general, I have seen many complaints about the way different companies, charge interest. I personally am not happy that at the end of my 15 year mortgage I will have paid more than $90,000 for my $40,000 house. I will pay that amount in the end, god willing, but part of that amount is the cost of borrowing money. However, when people ask how much did I pay for the house, I say $40,000, and that is the truth, the other $50,000 is what I pay for borrowing the money, not the actual price of the house. I invite Brian to stop by with any complaints, or questions that he might have, as I have personally not heard from him since he requested his service records.