My EX husband and I are joint creditors on a vehicle I bought at a local lot and financed thru Westlake Financial. It was an agreement between my EX husband and I, before we actually divorced.
They called him to tell him the payment was late (after two years of never an issue) and the payment was NOT late. I always paid via western union, therefore have receipts. My EX paid a fee to have the payment changed. I was not told by anyone. I also stopped receiving the statement. I am assuming it is being sent to my EX's new wife. I have requested statements and I finally received one saying the payment due was $100 less than normal. Come to find out that instead of using the $160 to change the payment due date, they used it as a current partial payment. Then the next month, it was not changed and the statement reflected another smaller payment. I went and paid my usual amount. Then the issues began... I got daily calls, some threatening, they said they had a special Spanish speaking agent to speak with me. I am an english speaking American! My last name is not spanish! LOL. SO I call back to straighten it out and have everything in front of me and they say I am two payments BEHIND! Impossible. SO I make my next payment as usual and ignore their calls. Then I receive no calls until the other day when a person calls to verify the location of the vehicle so they can repo it. Ridiculous! I am not behind. So I continue to get calls from "account Manager - spanish speaker" who needs to verify information. He says I have to call immediately or "bad things" will happen.
These people need to get a clue. I am not late, I do not appreciate the harrassment and threats. I am going to change my phone number just to have peace...
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