Hello my name is Nikkita Tracy. I am a consumer who has purchased a vehicle from JD Byrider in Richmond Indiana. My payment was due on Friday, May 7, 2009 and they came to repo my vehicle on May 8, 2009 I am assuming, nothing was said to the sheriffs department that it was picked up and by whom. I feel like CNAC and JD Byrider singled me out because I am human for one and forgot, none of my other payments have been missed, I had a family emergency and forgot to make the payment and remembered it early Sunday and dropped the payment in the box at the CNAC office, which I did not know at the time they had picked up the truck. It is a 2003 Dodge Ram, silver in color. I was not told when I purchased this vehicle they could pick it up at ANY TIME. I did not receive a call, courtesy call is what I would call it, hey you forgot to pay or I am just calling to see why you missed the payment. I forgot I am human. My finance manager is either Hindu, arabian, muslim I am not sure and I feel like I was singled out for this and I am requesting that they pay off the truck, or reimburse me for my pain and suffering for being humiliated, when I have never never ever missed a payment before. Never did I miss a payment and I believe there lending practices need to be looked at also. This is bad for the consumer that needs to have their vehicle and take it like a thief in the night also. I feel that I have been wrongly taken advantage of and I am speaking out, because no one is brave enough to speak out. I feel that I have been wrongly discriminated against because I am white, pay taxes, have a job and do not live on welfare and am extremely outspoken.
Monetary Loss: $12.