Every year, in Dec., company contacts me regarding tacking a payment on to the end of the contract to HELP ME afford a nice Christmas. It is communicated all I have to do, when the loan is up, keep on making payments as usual. I did this every year for three years. When the loan matured, they wanted the whole "kit and kaboodle". They tried to convince me it was me who heard it wrong.
After coming to an agreement of making my last three payment, as agreed in Jan - March of they have tried to repossess my car, turned it over to their Recovery Dept, and wrote it has a charge off. It is now paid off but they are telling me I won't get my title for another 8 to 10 weeks!
My biggest concern is on my credit report, it looks like I haven't made a car payment since last year and the charge off addition is showing up too. And, on their notes, it states, I've refused to make payments. Which is a lie. I have the cashed checks from them to prove it.
Tried filing with the BBB but to no avail. Also, filed with the Comptroller of the Currency, Administrator of National Banks in Jan. But nothing has become of that either.
Any suggestions???
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