Just Right Auto Sales

Hopefully you still have a copy of that contract? File complaints with the FTC, the link is in my signature.

While they may say it's a "courtesy", I'm willing to bet it's a form of involuntary unemployment insurance that they put on your account (and possibly even charged you for). Look at all your paperwork. If it is insurance, you can file a claim directly with the insurance company. If not, see what documentation you have that they agreed to those terms. If you can back it up, threaten to sue them if they don't make good on their own obligations.

As posted above hopefully you have a copy of your contract. Call an attny if needed to get them to hold up there end of the contract. As far as the rude and harrassing collector. Get a recorder record her without her knowledge (so she will use her harrassing method of collections and also record her with informing her that the conversation is being recorded. Most likely she will not believe you are recording and still be rude. So that way you will have evidence of unfair collection tactics and possably get your case dissmissed. If you decide to sue. If you file complaints to appropiate offices and have evidence that collector is in violation of the fdc laws you could possably get compensated.

I would contact a local news agency. While atty's are helpful in situations as this it can often take a while to get the ball rolling. What these people want is for the problem to go away so a nice news report on a dealership scamming people in this tough economy will hit them exactly where they don't want to be hit. You would be amazed how fast people are willing to do the right thing when they fear other people may find out what they are not doing.

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Yep. I'd also file a complaint with your state Attorney General, the Bureau of Consumer Affairs, and your state Insurance Commissioner.

If the squeaky wheel gets the grease, then squeak loudly!

But you are probably wasting your time reporting it to the news. Unless it can draw ratings and make them money, they will likely care less.

I worked for JRAS and I am very familiar with the unemployment compensation program. I was a scam, the reason it did not work is because the company failed to pay its bills and the insurance policy was cancelled. And you will forever received the run around because they have no answers to give you and hope that you will just go away. During my time there I have personally seem customers being repeatly taken advantage of, my only hope is that people will use theirs heads and not allow desparation to make your decisions, it always is a bad idea. This company preys on your ignorance.

Was this supposed to be a dealer reinsurance program (they are backing their own policies) or an administrator-obligor arrangement (backed by an actual insurance company)? A dealer reinsurance program that goes belly-up might not have criminal implications, although there may be legal ramifications if they didn't keep the required reserves to pay its claims. But if they were actually selling fake insurance binders (knowing the administrator would not issue an endorsement or actual coverage), then that is flat out criminal fraud.

I would A) Call the administrator or obligor (listed on the insurance policy) and see if they have a record of the policy being submitted by the dealer. If so, you can file claims directly with them if the dealer is not co-operative. If not, then B) file complaints with the AG and state Department of Insurance.