I am just to through and I don't know where to turn. My payments are due on the 21st of the month. This past year I have had some major financial set backs and I have been running about 10 to 15 days late. Well, I get a call on 9/29, regarding my September payment. I explain to the Customer Service Rep, that I would not be able to make my payment until the 2nd of October. She said, well I can set up two payments, one for September (late) and the next payment (October, not due yet). I said, I don't want to set up two payments, I just want to set up this payment. She said, well I can set up the second payment for October 31st. If I have a problem, I can call back and cancel it. I said fine. I set up two payments. To make a long story short, I called to cancel the payment and I was told that I couldn't. I asked to speak with a supervisor, I was given a team lead, then finally a supervisor. I explained to her, instead of the 31st, I would like the schedule the payment for the 4th. She said she can not schedule a payment for me, and the reposestion process will start after the 10th day and I need to call back and speak to another department, before making my payment. I said, why would you repo my vehicle when, at that time, I would be 14 days late. I said, I have never been 30 days late, its not on my credit for being late, so why would you repo my car. She said that I need to make a payment by the 31st. It is out of her hands. I call back to speak to the "repo" department to understand the process, and I was told I can not speak to them, until my car is going to be reposesed. I said, when does that processe begin, she said, it can begin, one day after missing your payment, I said, well right now I am three days late, did the process begin. She said no. I said, what is going to happen when I call back and make my payment on the 4th. She said, after that, the collection process will continue. I said, what collection prcoess? At that time, I will not be behind in my payments.
She didn't have an answer. I said, okay. I don't know what to do. I have had this loan for almost three years. The car is not worth the balance of the loan, so why would they repo my car when they are getting a payment every month? I said to the women. On Nov. 18, I will be making my 21st payment, and I will be ahead. She wouldn't comment. What should I do? Are they really going to repo my vehicle for being 14 days late? I am going to leave it in God's hands. I will make my payment on the 4th. I just never heard of a finance company not accpeting a payment that is 14 days late. I have heard of people being 60 days late and then there vehicle is repo'd. I am not even 30 days and they are out to get me. Good luck to anyone who has a loan with them. Never again!
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