I have been unemployed for some time now and have been struggling to keep up with my payments. I am current on my loan as of now and have asked them to lower my payments based on a hardship payment plan they offer. However, they will not work with anyone who is unemployed to help set up a lower payment plan. Their policy is that you have to be working. Well, if I was working, then I could make my regular payments with no problems. I don't understand this concept.
I was also getting phone calls from them 3 times a day, at late hours and as early as 7 am. They have been the rudest company to deal with. They make you feel even worse than you already do, and they threaten you.
I am at my wit's end with these people. In good faith I have kept them aware of my situation, and I am trying to keep my credit rating good with them and to keep from having my auto repossessed. They just don't care. Also, on one occasion I paid my bill over the phone with a check by phone, and then the next month they took money out of my account without my permission and overdrew it. I don't know how to deal with these people. Any help would be appreciated.
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