1. Ricart and PayDays forces you to sign a binding arbitration agreement. Binding on you, not them, and they chose the arbitrator. You lose legal recourse in the event of fraud, misrepresentation, or deceptive trade practice.

2. Ricart has an extensive history of fraud that could cost you thousands of dollars even if your ego and pride believe otherwise.

3. Ricart and Paydays often force customers to their own bank, Central Ohio Credit Corp (COCC) by misrepresenting financing options and outcomes.. Rates are outrageous, a contract loaded with pitfalls, and use of repossession at the drop of a hat. Also COCC has an extensive history of phone harassments, threats and complaining to customer's employers, supervisors, and  family members.

4. Ricart use of "Spot agreement" that allow you take the vehicle after trading in and telling you financing has been approved. Later they call and say financing fell through so  you have to finance at a significantly higher rate. Your trade-in is already gone! You're screwed.

5) Bait & Switch. Frequently vehicles advertised are already gone or they lie and say they have no more of the special priced vehicle and push you into the next higher cost models.

6) High pressure, wear you down, lying, game playing, drag it on sales tactics. It is a circus environment.

7) Ricart has been known to forge signatures on polices, checks, credit inquiries, and other goodies.

8) Ricart has been known to fail to pay off agreed upon amounts on trade-ins leaving customers with two car payments. They also misrepresent financing  and credit worthiness in attempt to make more from higher rates.

9) Selling bogus warranties and other products for outrageous amounts of money, e.g. theft gard insurance valued at $15 and sold for up to $2,700 and misrepresenting that you need it for financing.

10) Ricart is ANTI-Ohio State Buckeyes! Columbus Consumer has received numerous fraud complaints from OSU students: Local, out of state, international, and faculty. Just ask the OSU student law clinic!