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Smart Choice Extended Warranty

The company offering this policy, National Warranty Insurance, has been declared insolvent.

David of Lexington, SC December 30, 2009

I'm writing this complaint on behalf of my mother just to research information; she feels her rights have been violated in this situation.

Five years ago she acquired a loan upon the title of her van for 3000.00. Being naive to the fact that these types of companies prey upon the unknowing of the scam-like predicaments they put their clients into, she accepted the loan. She had hoped to pay it off immediately but it didn't work out as such. She has been billed 500 dollar per month since the date of the loan, totaling 24-30 thousand dollars on this loan. Before Thanksgiving this year, she contacted SmartChoice and asked if they could work out some sort of deal. She was told that the manager of the office would call her to work out a deal, but they never did call. She has made these payments until recently, and they attempted to repossess the vehicle this week. The van didn't even run; they had it in a shop being fixed.

My main question is concerning any limitations or relief for this type of situation. If there is any suggestion or hope we can have to assuage this situation we would greatly appreciate it.

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