It's insane reading this and seeing how many ppl are having the same problem. I put $800 down for a car had an unexpected expense come up so I made my first payment late the car got repoed they kept the payment and refused to give me the car or my money back. When I say I late I mean 13 damn days and all they keep telling me is to call my bank. If I could I'd sue these ppl are extremely predatory avoid at all costs if possible.