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I bought a couple cars from Ricart, too... the first one at the fantastic rate of 24.99%. Gotta love COCC. They were soooo nice to give me an even better rate of 16% on the next car. I too was pushed into buying a service contract I didn't want, but was told that it made the car worth the "value" that the bank needed to finance me. These people are crooks, and should refund the hardworking men and women the money due them. J. R.

Why should we have to continue to go through this headache. Who was the judge working for? Ricart? K. G.

It is ashamed that not only do we the American people have to worry about terrorists, rising insurance cost, education for our children and etc., but now we have a crooked business like Paydays to watch out for!! Rich D.

This co takes advantage of hard working people that really need transportation and do not have the best credit or a large down pymt.they are not honest ,and most employees are not very polite,they are very nasty when you go to make a pymt,especially in the main office.they are very rude.the car we have now is not working and we are still paying for it.was told it is only worth 2,500.and we pd over 9,000.00 for it.now we are stuck with a car that does not run and would cost 2200.00 to fix.this co just closed down over night with no explination to the consumers at all.its just shamefull the way we have been treated.we are disabled and now have no transporation to get to the dr.,or any where else.l V.B.

is there no real justice in this world? How can crooks go on like this and be supported by "the system"?There used to be a day when honesty and intergraty ment something. now? if your not stinking rich you might as well give up winning. what happened to truth liberty and justise for ALL? Brian L.

My husband and I purchased a 1996 Plymouth Voyager vin #2P4FP25B4TR560833 from Paydays North on 7/19/2002. We were told the vehicle was inspected and certified. After three weeks we noticed a problem with the transmission shifting. On August 17, 2002, my husband took the vehicle back to Paydays and asked that he be sold another vehicle. He was told that was not possible. We would have to keep this vehicle at least 2 years. They offered no help in rectifying the transmission problem. Because their limited 50/50 warranty only covered the vehicle for 2000 miles and we ad since exceeded that. We tried to trade the vehicle in at another dealership only to find the vehicle we will pay $15975.84 was only worth $1500.00 blue book value. Since there is so much negative equity we were unable to purchase another car from a different dealer. The transmission has since exploded inside it's case and the vehicle is no longer drivable. We are still paying Central Credit Corporation each and every month. Our interest rate is 24.85%. I do not know if this information will help you or us, but it was nice to get it out in the open and sad to see that Ricart and Paydays have taken advantage of so many people.

I leased a delta oldsmobile at paydays buy here-pay here in 2002 on August 26 with a trade-in(ford escort wagon 1993 which had 300,000 miles) I was told that there was some minor repairs that would need to be done. all I had to do was call and make an appt since it was so late in the day. Needless to say the repairs never got done and I was called a liar by a female rep in the title department or office. Furthermore, I did not receive the title until January 2003 (after numerous times calling) I thus got a ticket for expired tags and wrong Vin by the Springfield Police Department. In addition, the Delta Oldsmobile which i acquired i found had a book value of 3000 plus dollars. Paydays charged me 10,000 which included financing. Central Ohio repoed the car in 2003 after stating i was 30 days late even though i had paid 300 dollars to. I was left without a car and subsequently had to hitch rides

My vehicle was repossessed for being only a couple weeks behind. After receiving a ton of harassing calls they came an took the vehicle with all my work stuff inside. They wouldn't give me my stuff back. A few weeks later I discovered a check written out of my account to Paydays for the amount behind. It wasn't even my handwriting.

I purchased a 1996 Chevrolet Cavalier through Paydays Midtown in Columbus, Ohio. I purchased Theft Gard. I was informed it was required of all contracts for used car purchases. I was in bad shape financially and the auto I made payments on was 10 times better than what I previously owned. The auto itself was fine. I was just really pissed about not having the option to say no considering I had full coverage insurance (so why the need for Theft Gard?) and AAA Auto Club.I was also harassed continually about payment. At one time in mid 2001 I paid my account 5 payments early and I was still called and harassed about my check bouncing. Only thing wrong was that I had no checking account and I only paid with cash. Since I moved to Kentucky I was advised by COCC to pay the car in full or return it to Ohio. I wrote COCC a letter stating the car's address in Kentucky and I have a certified signature that this letter was received.

This company sold me a car that was not even safe...The car had to have numerous repairs...amounting to round 1500.00 and in addition when i tried to get the payoff to trade the car in they refused....I had to go thru a lot of car dealers...until I found a dealership, with enough balls to demand payoff.....This company sucks and has cost me a lot of money....They are in the business of selling you a car that needs lots of work and then when you can't pay the carpayment on time...They harass you and change you high interest for late payment... R.M.

Theft Gard-Was never told that this was part of package. when i signed at close of deal he informed that this was standard on all thier deals. never did anyone inform me that i had an option weather to get the ins. or not.

I too was taken by PayDays West. I purchased a 95 Chrysler Concorde with 99,000 miles on it for $6,338 (allthough is it only worth $1,600 at best) plus my theft guard. The car was supposedly certified and safe. Immediately after purchase, I notice a strange noise in the front suspension. I called PayDays and they told me they didn't do that kind of work. My air conditioning unit was also disconnected and they would take care of that.l After months of haggling with them about the issues with the car the suspension problem grew worse. At first they said tough, it is out of warranty. I refused to budge. Finally they agreed to fix it for parts costs of $660. I picked up the vehicle yesterday (3/17004) evening, paid for the repairs, and left. I only made it across the street and went over a speed bump at 5 mph and the left front tire disengaged from its supports. I went back across the street to inform them and the manager hid for 20 minutes before he would agree to talk to me. I'll know more today. K. N.

Hi, my name is Henry. I bought a used car from ricart van land about a year ago. I have never been more then 30 days past due, although i have paid 5 to 15 days late on my van payment. well recently i just got tired of the calls they would make, even going as far as calling my employer and references on my application. originally they had a phone number but about 3 months ago i had that number disconnected and later (a month) I got a new phone number, but never gave Central ohio credit corp the new number. My wife made a payment last month and wrote them a letter at the time of payment asking them not to attempt to call us or our refrences or my employer but only to correspond thru mail. well needles to say the C.O.C.C. rep didnt like it and said that we had to be on time from now on with all our payments our even if we were a day late they would come and repo the van. Obvisouly my question is can they do this? just becuase i only want to have correspondence thru mail?

From CC: I've had people complain they repoed vehicles that were already paid for!

1990 Ford Probe, I bought for the BARGIN price of $6350.00. After NUMEROUS problems with the car I said come get it!!! They harassed all of the people in my family, violating the request to stop calling and calling DAILY, Breaking Telemarketing law of giving out "privileged" info.

I purchased a 94' Dodge dakota from Paydays in columbus ohio and was told i had to purchase theft guard. Also c.o.c.c. likes to harrass you if you are one day late on your payment. I have 6 months until truck is paid off.

We received a letter dated march 27 2003 stating the car was paid off and will be releasing the title as soon as the check cleared.then on july 2 2003 a repo company shows up at our house at 12.30 am wanting the car said that cocc had charged the acct. off and wanted the car returned was the same day we recieved a letter from cocc stating they had sent us many letters concerning this acct. after we showed the 2 letters to the repo company he called it in stating we had a letter stating this car was paid off and left.

I was told the only way I could get financed was to purchase the Theft guard and there was an additional charge for Rustproofing that is not reflected on my original invoice. Original price of vehicle was 16005.00. Seems high for a 4 cylinder subcompact car.

I'm writing in regards to the Class Action Suits against Ricart.My grandson and I along with our family was put through hell day and night from them. A young mans first consumer experience was a disaster and from everything that happened our entire family was put through things that we never should have been, including having to call the Police on their repo man.(he also told us while he was here who owned the company, and names of other places he thought was connected to Ricart),it was awful especially since we had just before that we had lost a member of our family. I sent a complaint to the Ohio General Attorneys Office,but they would'nt help at all I was informed they would put it on a permanent file in case other people complained. Paydays has these places all over the place.Also the possibilty they're not turning what they make in to the IRS, since evrything has to be paid in cash. The letters that I read from your e-mails have a lot of the same things that happened to us,right down to the same words and actions from their sales people and managers.I'm trying to find a copy of the online complaint I sent to the O.G.A.O,so I can give you all the correct information.We do want to join your suit. Thank you For Your Concern.A.F and M.W

I just bought a used Van from paydays west, not knowing they were part of Ricart, I even told the salesperson that I was ripped off on the price of a car from Ricart, and that I would never deal with them again...HE SAID NOTHING!!! It was only about five days afterwards that I was told this. Anyway,

I bought a used car from them, only to find out I was ripped off of about $4000.00. I started having problems 5 days after I bought it. I was extremely angry, at their response, of, "what do you expect out of a used car?"

I called the finance company and told them that I did not want to pay for this vehicle, that I felt lied too, and deceived from this company. They said there was nothing I could do, that I was still responsible for the full payments. They got me on this theftguard thing as well, they didn't even mention it to me, they just gave us all of this paperwork to sign, and later found out that they charged me for something they did not even explain to me. Thats wrong!!

Now, I am having problems again with the van, and am tring to get something done, where I wont have to put out more than it is worth. I haven't even made a first payment on it yet! It is due on the 06th, of November of this year...I WISH I NEVER BOUGHT THIS FROM THESE PEOPLE! Is there any advise you can give to me...I am pulling my hair out with this company, and don't know what to do? Thanks in advance, Jake Kohl

I purchased a 1995 Chysler Cirrus on 9/30/99. I was told financing would not be approved unless I purchased Theft-gard, Spot Agreement and Fidelity Warranty agreements. I was also told that my credit rating did not qualify me to purcharse GAP Insurance. I advised the salesperson that I had the money to pay cash for it and yet I was still denied this option.

Purchased a 1994 Chevy Beretta from them after being "herded" away from what I wanted to purchase, financed through their COCC at payment of $118 every two weeks. Purchased vehicle in August 2000 but this past January (January 2003) my payments have jumped to $233 every two weeks for no good reason other than my becoming unemployed in January. This $7,000 car (what I had to finance) will end up costing me more than twice that amount once paid off. Have $4,000 balance on the car yet and being relentlessly harassed by COCC. My requests about why the payments have jumped to $233 have not yielded much but I was told they are charging me interest on late payments and ultimately my $233 payments only end up putting something like $55 on the principal each time and rest on interest and "adminstrative fees", whatever that means. Car at $4,000 balance is not worth twice that much. Purchased at PayDays/Motorland lot at Noe Bixby and Refugee roads.

FROM CC: More complaints to be added soon. I have hundreds. Next section will include threats of physical violence and harassment of employers/Family members by COCC collection (Ricart's Bank).