First off, I have to say that I am very relieved that there are more people out there with a real problem with this company. I was told too by my local car dealership, that Americredit Financial was the only company that would finance my vehicle.
I do not have the greatest credit in the world, but I definitely don't have, even close, to the worst. So, I thought that was kind of strange. They told me that I would have a very high interest rate because I was fresh out of college and had all of my student loans to pay back. I was also told, by the dealership, that after 1 year of on time payments that I could refinance with the same company for a lesser interest rate. That of course, did not happen. So, I am continuing paying an outrageous interest rate, that I cannot refinance.
Then came the part where the dealership actually fudged my paperwork after I left with the car, and made the car out to be more expensive than they had offered me. When I found this out, I called the dealership and Americredit, which neither of them would take any kind of responsiblity or action for, and so now I am paying more for the car than I had originally bargained for.
Then comes the highlight of it all. I became ill about 6 months ago, and have had some very extensive medical bills. I have explained this to Americredit, and so I am 3 months behind on my car payment, a total of about $795.00, and they call my home at least 4-5 times every single day, and leave extremely rude messages on the answering machine. It's rude, it's harassing, and it makes me feel even worse that I know that I owe them this money, but I will get it paid over the next month and then they can leave me alone.
I understand the money is owed, but there have to be priorities in life and my life being sustained is what I needed to pay for first, before paying my car payment. I am horrified that if they are doing this to me, I can only fathom how they are treating other people.
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