Lydia Cladek Inc

I purchased a vehicle through a buy here pay here lot in Alabama, they financed the vehicle through Lydia Cladek my payment book was only supposed to be for 24 months at $100 per week. When we kept getting closer and closer to paying it off they would say we had interest it took over 3 years to pay off. Representatives would constantly call and harass you on the job or at home. Half acted as if they had never went through crisis before. I would not recommend them to anyone.\r more

thanks for the help when no one else would. Pros: great company more

Do your homework before you allow your used car dealer to get you a loan with this company or a company called Pay n Ride!!!! All they want is their money and they don't care about your car or YOU!!!! Pros: NONE - the star was put there because I had to put something Cons: EVERYTHING more

Lydia Cladek Inc, bought my contract from Rob Partelo's Winners Circle in St. Pete, FL. They harass you on the phone the day before your payments are due. I recently sent them 5 prepayments back in July 2009. They took it upon themselves to apply my money order and coupons attached to towards the interest on my contract, without my permission. Now they are saying as of September 2009 I owe them money. I reported them to the Bureau of Northwest Florida, State of Florida Comptrollers Office of Finance and Accounting Division for Fraud, and Consumer Lawyer Eric Seidieil of Channel 13 WTVT. They are being investigated as of 9/1/09. If you've done any business with them and they've harassesd you send in your complaints asap!. Cons: harassing phone call that are rude and threatening more

This is a bad company, all they want is money, they will tell you that they are willing to work with you and that is a big LIE. they call your house telling you about your car after you have made arrangements, that lets me know there is no communication between staff members. Please do not go thru LYDIA CLADEK , I dont care how bad your credit is, their are other companies out there. (seek those) I wish i had never went thru this company. Pros: they are a rip off Cons: i hate i went thru this company (bad business) more

There is a scam artist that took money from church parish members and did not return money after they found him out. The owner of this company is giving all the money to a so called personal coach over $1,000. dollars an hour he has bragged to employees. He even lives at her home whenever he wants to. She is completely controlled by this man Bill Lamond who has some sort of hold on her. Before you invest. Ask about this man.\r \r \r \r Pros: Good return on investment Cons: Scam Artist has some sort of hold on the owner more

As a former investor, I've experienced the good and bad and also keep close contact with a few key employees. The owner has good intentions, but surrounds herself with a number of key personnel who can best be described as yes people with no industry experience. They called in some hotshots recently, but seems that they are playing the same game as a reportedly clueless COO and other Marketing reps who are more concerned with their position than the company's future. The company basically got too big for its britches when the economy was booming, buying too aggressively against the advice of 2 previous Purchasing managers and a few other employees. As a result, they were way too immersed in sub-prime and paid the price when economy got tough. I remember a few employees (Kevin, Lori, Cristy, Matt,...interesting that they've almost all left the company...) who strongly recommended for YEARS that they diversify their risk, but there seems to be a culture of 'affirming' what they want or expect with no regard for reality. In late 2008, it was interesting to see that the purchasing department suddenly began avoiding obligations to their dealers...and months later the whole department was shut down with key personnel, including the department manager, were AWOL. Rumor is that they were made collectors! When asked for investments returned, many investors like myself, were asked to reconsider or accept a monthly payment plan instead. In some cases, these compromises were stalled further. I still keep in touch with some employees and investors, and while they've been forced to sign 'Confidentiality Agreements', there is obviously a lack of confidence in management and future of the company. I wish them well, but cant explain why a few bright, honest people are buried in meaningless positions while the same old people remain in the ivory tower with the fine lines of ethics being erased each day. Be careful! Pros: good intentions Cons: Incompetence and lack of character with many key employees more

This company went broke and did not pay their dealers on approved deals. They charged 30% onto the dealer sales price + max interest rates. No wonder they went out of business! Monthly payment were 400-500 month Cons: cheated dealers out of their money more

I purchased my Expedition from a buy here pay here and I was financed through Lydia Cladek. Yes I have been through very irritating reps that have been nothing but rude (VINCENT) and have no understanding but for the most the reps have worked with me. I truly feel that they are only doing the job that they are paid to do. If we do what our contract says and pay them on time, then they wouldn't have to call, right??!! Yes I have been late on my payments a time or two but at the same time I have made arrangements and kept them. These people at Lydia Cladek do know ,in the economy that we are living in, that there are going to be some rough times for their customers. My truck will be paid off in about 7 months and Lord knows I hope I make it. I would have rated them a 5 star, but thanks to VINCENT I couldn't. Carmen of Gainesville\r Mishelene, Tonya and others yall are wonderful. GOD Bless\r \r more

I am very sorry that everyone has such negative things to say about the company that gave them credit when no one else would, not to mention it appears alot of the complaints are about being doing thier job becuase the payment is late. My best guess for all of you that have issues need to actually pay your payments on time or if you need to make arrangements that are realalistic then call. You signed a contract to make your payments on a specific date. Honor that or think twice before signing a contract. The rep's there are doing thier job, as you would if in thier position. This is a great company with good values and believe it or not they do care about thier customers. Pros: Re-Establish your credit more

we all know why people like us have to tolerate people like ""them"" (lydia cladek,inc.).....our credit stinks! I only have a few more payments left, Thank God. And I am thankful for the opportunity to re-build my credit. But I will say this, I truly believe in Karma, and every one of those bottom-feeding non-humans will have their opportunity to be treated like we have been treated.....with no compassion. Their days are coming.... more

AVOID THIS COMPANY! THEY LIE! FALL BEHIND ON YOUR PAYMENTS (EVEN IF IT IS ONLY 2) AND THEY WILL TAKE YOUR VEHICLE. THEY DO NOT NOTATE YOUR ACCOUNT AS THEY STATE THEY WOULD. WHATEVER THEY SAY TO YOU MAKE SURE YOU GET IT IN WRITING. CALL AND HARASS THEM LIKE THEY WILL DO TO YOU! TRUST ME, THEY WILL EVEN IF YOU ARE ONLY 1 DAY...YES THAT IS RIGHT...ONE DAY LATE. Pros: NOTHING Cons: EVERYTHING more

My husband left and distroyed my credit rating I needed a car so I had to go with this company. \r They were great until I lost my job and they started calling. I had a hard time trying to get them to let me just pay a little until I got another job.\r After calling them 10 times to talk to the guy that owns the place ""David"" he finally answered the phone. He was mean and nasty and told me he has title and owns my car.\r He also said he could take my car away from me at any time so pay or loose it. a real mean A>ole. My boyfriend paid off my car so they would not take it away. \r I only talked to one nice understanding guy there the rest are very rude people. more

YEP, they s@ck. Two faced, liars, they have no problem ripping people off. Gap insurance ONLY costed them $125 and they can charge you any amount. You would have to sign a contract for the Gap insurance try calling 1-813-855-8300 see if they have a copy of your contract- it also should be on the contract that you signed at the dealership Cons: everything more

The people at Lydia Cladek are very rude and unprofessional. I bought a car from a broker who had me get my financing thru this company. From the veryu beginning they have been rude and unprofessional. I did not know that my payments had gone up (as they took it upon themselves to add gap insurance WITHOUT my knowledge) and I was sending in the amount that I was told the payment was. Well, one evening I received a call that my payments were short and I was now 2 weeks behind..I tried explaining to the lady that was on the other end of the ph that I did not know that I had gap insurance on the car and that the payment was $55 more dollars than I was originally told.......I finally got it all straightened out and then the ph calls started again because my pay day changed and the payments were being paid 5 days after the due date. When my payday changed I called in and spoke to one of their ""lovely,courteous"" customer service reps who supposedly noted my account and said that it was fine to pay 5 days later than the due date as long as I did not go past 10 days late..When I got the first ph call about my payment being late I asked the lady on the other end of the ph if she had read my account notes and that I had spoken to so and so and it was all noted in my account. This non english speaking lady kept telling me I was wrong that nothing was in the account notes......That took me about 4 days to get straightened out now the engine in the car is blown and I called asking to lower my payments so I could get the car fixed and then start making normal payments again and they said no....Now I am receiving about 5-6 ph calls a day demanding money when I told them to come pick up the car. These people are very cruel, non understanding and ruthless people. I WILL NEVER RECOMMEND THEM TO ANYONE...BUYERS BEWARE Cons: RUDE,UNPROFESSIONAL AND DISCOURTEOUS more

this company is not as bad as everyone says! i was in a bind and they helped when noone else would. my payments are fair and my truck is reliable! interest is high but, what do you expect from a buy here pay here company! Pros: there when i needed them Cons: excessive calling more

As I read all the bad information on this company, why hasn't anyone reported this company to the State of Florida Comptrollers Office~?? If you have a vaild complaint, go to the States Attorneys Office and file charges. If these violations exist, they are against the law. Why not hold them accountable?? Makes sense doesn't it?!! more

really good people. friendly coutreous helpfull. always answered the phone. i will rate them as excellent more

Very dishonest people, they will rip you off the first chance they get.. What comes around goes around, and in the end I am sure they will be judged. Not sure how they sleep at night. Pros: I guess Lydia gets richer Cons: people suffer more

I totally agree with these people.their customer service has communication problems.i bought my truck too from a dealer who sold my title to these stupid people.when they first contacted me i had them to bank draft my payments every TWO WEEKS but instead they took it upon their selfs to dept my account every week causing my checking account to be over drawn.they countiously harrass me because i now am disable i got ONE month behind they tried sending someone to my house to repo ny truck but my pit dog let him know real fast he was not getting it.they have no hearts and they dont want to help anyone out.they want to screw you in thebutts with no vaseiline.ive been making my payments evry week tring to get caught up by sending a little extra when i can but they keep calling and leaving me threating messages.i wonder if i could get them for harassment? i mean your payments have to be at least three months behind before they can even take you to court for the rest of the money you owe on the vechile.but it looks like to me they think they are above the law. we all need to stand together and stop this cause they are making their selves out to be saints and they are the devils.i have already told them not to pull back up on my property or i will have them arrested.you all should do the same...never buy a car or truck from this company cause god knows if something happens and you miss a payment you will lose you car. Pros: i have a good truck Cons: the people i have to deal with more