Consumer complaint received 2017-09-21
Company: Byrider Franchising, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local,  house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails,  an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on. 

Ok it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were  and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.
Well about a week  a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it.  
Well we ended up having to get  another vehicle,  cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it
So on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.
Well that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX  Dollars Down.  No more than that, I thought thank god,
Well of course I still had not be released to go back to work yet not sure when I am going back honestly,  my health is XXXX XXXX, andy ways  about  a week of having the truck it started acting up they were very slow to respond abut the issue and it took  almost two weeks for them to actually do something about it.

Well XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of  automatitc stay of assets which would help keep the only assets we had
Well I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses,  and emails and everything it was that bad. 

Well I was online again looking for free legal help to fill the  paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it  would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all  ihad left ws XXXX so I gave him that through online transfer. 

So the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all.   My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they 

THE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT.   
WELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT. 

WELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.

HAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT  HIM XXXX

AND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES. 

YET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.

CONFLICTING STORIES THERE,  WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE

WELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH.  WELL THRUSDAY HE TALKED TO THEM LATE EVENING  AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING

FUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.

SO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX

WELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL. 

 I  WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO  I DID STARTING AT XXXX XXXX TILL  ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR.   THEN  ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE 

STATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX
AND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.

NOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS 

WHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW, 
NOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .

WELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI,  ARKANSAS, AND XXXX  LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.

I HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE, 

I WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .

Everything here I have got off their websites, contracts  as employees, share holders,  and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I  have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well
WHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.

Like I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX  police officer said and time and no leads  cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.


LISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE  EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER

SO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.

XXXX XXXX					AKA----XXXX 

XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX


XXXX XXXX XXXX HEADQUARTERS              AFTER YOU REWORD THINGS COMES UP
XXXX XXXX XXXX XXXX XXXX IN XXXX
Phone--XXXX XXXX XXXX
Fax--XXXX XXXX XXXX
Email--XXXX

SO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::
XXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

XXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX    LEFT 15 VOICE MAILS

XXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX  LEFT 8 MESSAGES

XXXX XXXX XXXX-- XX/XX/XXXX  LEFT 4 VOICEMAILS

XXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX 
XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS

XXXX  XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX  LEFT 2 VOICEMAILS

XXXX XXXX XXXX XXXX--XX/XX/XXXX  LEFT 6 VOICEMAILS

SUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX  WHICH GOES TO XXXX AR.   AND CUSTOMER SERVICE EMAIL IS XXXX
WHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL

THAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL

XXXX 
XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX

HAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS 

AND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES



WELL I FOUND OUT
XXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR   I CALLED THEM 25 TIMES  XXXX

SO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES  OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS 

AND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN  35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH

I AM REQUESTING TWO THINGS AT THIS TIME

FRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK 

SECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.

SO WHEN YOU XXXX XXXX  HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX  AR,

I HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA  WELLL XXXX  IN LOCATION DONT COME UP HAVE PICTURE AS WELL.


LIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH  MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO 

XXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.

ALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL

I WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL.  

 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization)   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code)    XXXX XXXX 


THIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP

XXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA
Company information

From  


XXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE 

Agent
Name	XXXX XXXX XXXX
Address	XXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA
Secretary
Name	XXXX XXXX XXXX
Address	XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA
P

From  


THIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW 

The Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with 
Company underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of 
time a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability. 
XXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review 
and audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is 
impartial.  

THIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS

The Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their 
obligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the 
Company by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch 
office. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer 
analysis reports, static pool reports, and repossession reports.  
A delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The 
report includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term 
of the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled 
payment amount, amount of last payment, total past due, and special payment arrangements or agreements.  
Any account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due. 
Once an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an 
acceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the 
account to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession 
proceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has 
been repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys 
repossession report and is sold, either at auction or to an automobile dealer.  

When an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to 
determine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the 
information is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for 
account follow up.  

The Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of 
repossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession, 
date the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount 
on the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the 
vehicle, as well as notes other information that may be helpful to the Company.  
The Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This 
report allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from 
such dealer.  

The Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made 
beginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made 
payment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared 
by the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the 
repossession request has been approved, first by the Branch Manager and second by the applicable District  
   


THIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY 

Computerized Information System  
The Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the 
performance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are 
provided with real-time access to information from a single shared database. The Company has created specialized programs to automate the 
tracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its 
branch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the 




THIS THEY VIOLADATED AS WELL  FALSE IMPLICATIONS  PAGE 11

 Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts 
prohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices 
and from making false implications when attempting to collect a debt.  
  

NO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL

 Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts 
prohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices 
and from making false implications when attempting to collect a debt.  
  

STATES THEY MAY NOT INTERFER  PAGE 12

Bankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or 
enforce a deficiency judgment.  


NEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS  ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY


The auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic 
and other factors beyond our control.  
If we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale 
of repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting 
deficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time 
it is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand 
for, used vehicles at the time of sale. Such supply and demand are dependent on many  
   
HERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE

We are subject to risks associated with litigation.  
As a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based 
upon, among other things:  
   
   
   
   
   
   
   
   
   
12  
   
  usury laws;  
   
  disclosure inaccuracies;  
   
  wrongful repossession;  
   
  violations of bankruptcy stay provisions;  
   
  certificate of title disputes;  
   
  fraud;  
   
  breach of contract; and  
   
  discriminatory treatment of credit applicants.  


Some litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we 
may also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by 
consumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, 
statutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours, 
including employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses 
in the future as a result of litigation or other legal proceedings.  

PAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::
  licensing requirements;  
  requirements for maintenance of proper records;  
  payment of required fees to certain states;  
  maximum interest rates that may be charged on loans to finance new and used vehicles;  
  debt collection practices;  
  proper disclosure to customers regarding financing terms;  
  privacy regarding certain customer data;  
  interest rates on loans to customers;  
  telephone solicitation of direct loan customers; and  
  collection of debts from loan customers who have filed bankruptcy.  


AGAIN ON PAGE 18  INTERGRATED DATABASE

We may experience problems with our integrated computer systems or be unable to keep pace with developments in technology.  
We use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology 
changes rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-
effectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological 
changes that do not necessarily improve our profitability.  
We utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan 
portfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could 
adversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material 
adverse effect on our financial condition and results of operations. 


OKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.

16. GOVERNING LAW.  
(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State 
of Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee 
as the method of dispute resolution.  
(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the 
rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which 
both parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the 
venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected 
venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in 
the manner provided hereunder for the giving of notices.  


  
(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the 
rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which 
both parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the 
venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected 
venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in 
the manner provided hereunder for the giving of notices.

THESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::

The undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security 
Agreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing 
installment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood 
that XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer.  
   
Indemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses, 
offsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities. 
(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of 
indemnification is within 7 days of demand by XXXX. 

XXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of 
financial management in all aspects of business activities.  
The XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief 
Executive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate 
governance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all 
applicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of 
Business Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees. 
This Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics.  
As the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and 
advocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to:  
   
  a. Comply with the Companys internal policies and procedures; 
b. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with 
which I will comply; 
c. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of 
interest between personal and professional relationships; 
d. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as 
d
documents filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency, 
or used in public communications; 
e. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate 
private and public regulatory agencies; 
f. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or 
otherwise legally obligated to disclose such information; 
g. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or 
allowing my independent judgment to be compromised; 
  h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; 


THEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX.  

XXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES
THEY STOLE FROM US


THE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST.    ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION,  THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT

XXXX XXXX
XXXX XXXX XXXX XXXX XXXX AR XXXX
XXXX

THE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation