Either their cars break down on you or they've been wrecked. They jack the prices way up on them and then after you've paid every payment for a year they tell you that 10 months ago you didn't make a payment!! When you produce the receipt to prove you made the payment they treat you like everything being messed up is your fault. When you ask them to fix the interest on your account that they messed up from not posting your payment to your account, they treat you like that is impossible and you're stupid for asking.
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