Arlington, VA asked in Consumer Law, Business Law, Collections and Communications Law for North Carolina

Q: Got a car from a "buy here pay here" lot. Made payments on time, but now after a year they keep texting me sayin Im late

I got a car for my son November 2022. All payments have been made, on time. But starting in December 2023, they keep contacting me saying I'm behind and and contacting me saying "if I need help making payments I can send a friend in and if they buy a car I will get $200.00". Is this not wrong? I mean, I've made every payment, on time, and for them to start really harassing me, making it out like they are going to take the car, seems wrong. One of their texts said, "we noticed that your behind on your payments, your balance needs to be paid by 5pm today". I mean we are already getting ripped off by them, but being harassed like this too???

1 Lawyer Answer
Lynn Ellen Coleman
Lynn Ellen Coleman
  • Licensed in North Carolina

A: Take proof of all of your on time payments to them and speak to them about this. To cover yourself, you could mail in the proof with a letter complaining about the situation and asking them to stop the unjustified messages (get a tracking number and pproof of delivery). The "help making payments" is just a sales pitch, you need to tell them you only consent to communications about this particular loan. If you don't want text messages you should be able to "opt out" of them and choose a phone call or an email instead. You don't have any claims that rise to the level of harrassment just yet. I noticed you are posting from Virginia, my suggestions only apply if the dealer is located in North Carolina. If the dealer is located in Virginia then re-post the question with the city and state where the dealer is located.

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