I got a loan of $10,000 about 3 years ago. I was always prompt in my payments until about 6 months ago. I was 2-3 days late. I am now 60 days past due. I don't dispute that I owe the money and want to pay it off.
They have been calling my cellphone, home phone and work phone. I did demand that they do not call the work phone and the home phone. They have quit calling my work but have continually called the home phone.
They have called my cellphone up to 20 times a day. All calls within about 15 mins of each other.
One time they took it upon themselves to deduct my bank account and extra payment when they were not given the permission to do this. I did ask them about sending personal checks or money orders and they told me that was not an option. I have learned recently that I don't have to do efts. When I demanded the money from the extra payment be debited back into my acct they said that was impossible.
They acknowledge the 2 payments made for that particular month but told me that they had the right to attain that payment. I did tell them that they only had permission to take one payment out nothing any more than that without my permission.
They were told again on 2/7/08 not to call the home phone, The Rep said he put a stop call on the home phone and then transfered the call to a very rude rep who refused to listen to me. So I ended the call and hung up. They called the home phone again on 2/8/08, after they were requested not to call this phone.
The conversation went just as it did yesterday. She would not let me talk. I would start to ask her what I could do and she would just interupt and not let me finish my sentence.
She suggested that I money gram the payment. I don't have access to a money gram store. She got belligerent. I tried to explain the area where I live and she pretty much called me liar.
By the time I payoff this loan I will have paid almost $30,000. I was not aware of the interest till after I received the money.
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