Pay Assurance System Problems
(Piqua Ohio usa)
Problems with a 2003 Dodge Neon with Pay Assurance System Installed at buy here pay here dealer. I bought this car from One Stop Auto 4 months ago. It had a new battery and ran beautiful. I have a car payment every two weeks. If I don't pay on time, a car disabling device kicks in and won't let my car start.
I’ve never been late on a payment. Just lately, after putting in a code, after I paid my car payment, my car wouldn't start. I called the dealer and he said he'd send a tow truck. I tried to jump my car battery. The lights came on super bright in my car, but my car would still not go. The tow truck guy came and he tried to jump my car, but he failed too. I think He just wanted the tow charge. My car was taken to the dealers shop, and a half hour later, when I called about my car, I was told the mechanics had went home!
I then called the next day. The mechanic had taken my battery out of my car and put it on a charger. My car then worked fine. The mechanic told me that my dome light was staying on a draining my battery. This is not true. My dome light goes off as soon as I shut the car door. Nothing is staying on in my car and draining the battery. I then said I would pick up the car. I did not authorize any work to be done on the car or for the battery to be charged. He did it on his own. The mechanic charged me $105.00 dollars! $40.00 for the tow, and $60.00 labor for charging my car battery he said was totally dead. My car battery wasn't totally dead.
I believe the disabling device wouldn't let the starter start my car. We tried to jump the battery twice. It should have started. The first guy who tried to jump my battery said it was the starter that my car should have started when he jumped it. I believe the dealer activated the car disabling device so my car wouldn't start and I would let them take my car to "fix it" and extort money from me by saying something was wrong with my car. Auto part stores charge your car batteries for free. This mechanic charged me $60.00! I am totally pissed-off.
Christy: Thank you for voicing your opinion and for bringing this Pay Assurance System Problem to my attention. I had never heard of this kind of starter interrupt system before today! I did some research and found this documentation you might find interesting on the national alliance of buy here pay here website. Search for this when you get there Payment Device Study White Paper, opens in a new window.
I plan on doing some more research on the subject because your concerns and suspicions seem to be credible reasons for concern. Again thank you for posting this. If I learn any more information about the Pay Assurance System Installed by Dealerships I will add it to the comments.
Note to visitors of this page. Christy is an independent site visitor speaking her own mind about the payment assurance system. This view does not reflect the views of the Auto-Facts.org website or it's parent company. Please report on your own experience with the Payment Assurance Device that interrupts the starter if you miss a payment. These are most often installed at buy here pay here type automobile dealerships. I would like to be fair and balanced and hear from both sides of the story. The above white paper makes good points about why something like this is necessary and useful for all involved. Dealers are welcomed to report on their experience with this system as well.