Louisville, KY asked in Consumer Law, Contracts, Business Law and Collections for Kentucky

Q: Is this a case?

I was making payments through a truck I started financing a year ago, and those payments were being made through SMART Payment plan in which they charged me on a biweekly basis in means to help me pay off the vehicle quicker.

Problems occured quuckly and often through them. My payments were often being sent late to General Electric Credit Union (who im financing through) and then they eventually just swapped when my bill came out without any confirmation through me! So my bill was coming out before my payday which was causing me to overdraft and be declined. I was charged multiple overdraft fees and was marked late multiple times on my credit for this. Then when I called them to swap the payment date, they agreed, and failed to change the date back! Which resulted in yet another late, and overdraft charge. Then I had a very brief lapse in insurance coverage but was replaced ASAP. Without knowing that lapse was reported, I was building up a charge for not being covered. That charge was

1 Lawyer Answer
Timothy Denison
Timothy Denison
  • Consumer Law Lawyer
  • Louisville, KY
  • Licensed in Kentucky

A: Technically, there is probably some liability there but it very likely wouldn’t be worth the time, money or hassle to pursue it. If you can get reimbursed what you’ve lost ( or most of it), you’ll still be ahead of the game.

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