Glad to see i'm not the only one. We should all get together, with a good attorney and expose these bloodsuckers for what they are—vampires.
1997-$1500 loan to go on my honeymoon. STILL paying on this loan $100 / mth. Principal stil around $3K. Not right at all. Like others I've read on the net, forced into refinancing when child support rug has been jerked out from under me. They don't care. All they want is their $.
When I did last refinance, all I wanted to do was just end the harrassment of phone calls to my job. Don't the idiots realize that people can lose their jobs due to this? Oh yea, forgot, they don't care. And yes, I know I should read the fine print, knowing what I'm getting into... But when you're harrassed, worried that your property is going to be taken from you if you don't do something IMMEDIATELY, you'll sign, initial just to get them off your back.
Anyway, past year, I had to send FOUR LETTERS to local branch, with the last one stating that I had the right to sue if they didn't stop. Well, they did, but started in on my cell. Sent THREE LETTERS telling them to stop calling me. That I'm too busy on my job and at home to talk to them, to send me correspondence via mail. I provided my address at the bottom of the letters TWICE. Not to mention that on the envelopes of all these letters, plus the payments i've made in the past, all have return address labels on them with the proper address.
I was ONE payment behind when the calls started coming. I don't answer, but it takes minutes off my plan. They call at least twice a day, EVERYDAY, even though I've sent these letters explaining my situation and how to communicate with me.
I've also told them that I'm trying to find a way to pay them off once and for all, that I need a payoff balance, plus, I wanted to cancel my insurance. One message left by the mgr said that I couldn't do so, that I misunderstood my paperwork, for me to call her. I refuse to call them, for I know all they're going to do is talk me into refinancing again, which i'm trying to avoid doing again.
After wks of waiting and enduring the harrassing phone calls on my cell, I had had enough. The other day, right before I was to take our mail to the post office, I made the call to them. Mgr answered and I bet she wish she hadn't answered the phone.
I raised hell. Told her that I don't have time to talk, just have a few minutes before I had to head to the post office (my job) and just wanted to call and tell them to stop calling my cell, to send the info I've requested TWICE to my address. I told her this, trying to get off the phone FOUR TIMES during this phone call.
She had the nerve to tell me not to talk to her that way. I informed her that I woke up in the U.S.A. This morning and according to the first amendment, I have the right to freedom of speech, and I will talk anyway to anyone i * * well please in anyway I *choose, and if she doesn't like it, then they shouldn't insist and demand that I call them and do like I requested and correspond with me via mail.
Then she got rude saying that she sent two letters to me telling me that she cancelled the insurance 4/11 and another letter that took her 30 minutes to type (mgr can't type a letter faster than that shouldn't have that position) and she didn't save it, but she'd retype it and send it to me AGAIN but needed my address.
I exploded: "ya'll not looking at what's sent to ya'll?! It clearly states my address on my letters to ya'll. Ya'll can't read???" she asks what address, I start, she finishes it, except it turns out that she has on all my paperwork, and had sent my letters, along with statements that I haven't rec'd in mths, w ith the wrong city and state. I moved to charlotte, nc from rock hill, sc in 7/04, refinance was done in 10/04. Duh! They f*'d up. There is no woodlawn rd in rock hill, sc. The statements, letters, would've been returned to them undeliverable. THEN, she's all apologetic, going to send me the letters again, but might be too late to stop legal action against me.
But that's not the end of it. Like I said, I just had a few minutes to make this call before having to leave to do my job. She starts in on "the good guy speech" that I've been reading about on the net that citi does.
She tells me, that according to my paperwork, that I make VERY good money and she doesn't understand why I can't make $102/mth payment. I tell her that since my support hasn't come in for 2mths, I can barely buy groceries for me and my kid and have gas $ to get to my job, to earn a check, to pay my * bills. That I only get paid once a mth, and I'm scraping by the end of the mth to just get by.
Now, check this out. Just shows that this organization is clearly not organized. She said that she couldn't understand that due to the fact that I make $4400.00/mth. I told her that if I made that kinda $, I wouldn't be behind in anything. I don't even GROSS HALF of that figure. Don't know where she got that figure from. But i have an idea.
Got to thinking that everytime I've had to refinance, they need collateral. Last time, employee kept hounding me to find things around my home to use for collateral. Even "generated" things, inflating the cost of the items to make it to where I can qualify for the refinance. One is my computer, which I still owe dell for—read my paperwork this evening—can't do that. She never asked if it was genuinely mine or not.
So i'm thinking that this employee pulled out of her a* the figures to get this refinance qualified to meet her quota. I was told that this deal would lower my payments and my interest rate—WRONG! Payments didn't go down, interest went from 18.99% to 24.99%. But get this.
Wish I had looked over the paperwork earlier—BE FOREWARNED TO DO SO WITH THESE VAMPIRES!!! Aall looks japanese to me. Think they do that intentionally to sneak things into the loan. Saw where the box is checked saying that this is an unsecured loan. So far, and i'm still researching, I don't see a list of items used as collateral. So, I can throw my hands up, let this go instead of wasting anymore $ and time on this. My credit sucks due to men in my past screwing me—and not in the good way. So, why bother paying them anymore. They've gotten almost, according to my calcualtions, $8K for a $1500 loan. To me, they've gotten their $ back several times over. I don't owe them s*t!
Finally got a letter today. No payoff balance or any info about the insurance that's SUPPOSEDLY cancelled. Only states that I have until 5/16 to pay them $330.00 or legal action will be taken.
Have sent complaints to FTC and BBB and a local lawyer's office in the hopes of—in the very least—show this bloodsucking corporation that I'm not going to be their victim any longer. Can't squeeze blood from a turnip...
If there is any attorney out there who wants to win big—they need to research, get all of us together, and take these vampires down. They're ruining lives as well as our national economy while they get bloated like ticks. Anyone want to join in this crusade? State your report here and hopefully this site will help us all drive a stake into the heart of the citi vampire!
Roxanne
charlotte, North Carolina
U.S.A.
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