United Truck Group; AKA: Truck Capital, is a deceptive company preying on individuals with poor credit. This company guarantees financial approval to anyone that can provide the $595.00 application fee. However; once this is paid and the individual is approved, another ten to fifteen thousand dollars is required to obtain a truck. There is the down payment of no less than eight thousand dollars. There is the insurance payment. There is a payment for a scheduled 2290 (heavy vehicle use tax). This fee is $550.00 at any IRS office, however; UTG charges a fee of $75.00 to file. Then one has to purchase their base plates through UTG. The fee for this is around $1800.00. Once all of this is paid, you may drive off the lot within five days…if you’re lucky. UTG is not a buy-here-pay-here establishment. UTG is a rental company. This means that after all of the money invested into a truck by an individual, the payments made are not put towards the truck. The payments are simply rental payments. This means that the individual is not purchasing the truck. On top of that, the individual is responsible for all of the mainanance, and repairs of their rental vehicle. How can this be possible? If one is going to rent a truck, take my advice, go to Penske or Ryder. They at least repair any break downs or tires and provide road service as well. The reason for my complaint is: in section XIV of the rental agreement titled “TERMINATION” it is described that deposits will be refunded minus any refurbishing fees, recovery fees, monies owed, rental payments owed, taxes, fees, and any outstanding charges on Customer’s account. With this said, if the truck is in presentable condition, returned to the company, and payments are up to date, a deposit should be returned. Unfortunately; NO MONIES ARE RETURNED! Should any class action suit be filed against this company, PLEASE PLEASE inform me: as I will be on the bandwagon without a doubt!