I purchased a truck in 07 and the loan was under Wells Fargo Auto Finance. It was not until I was 30 day lag-time on payments when the calls started to pour in. I understand the process of collections and even though they call 40-60 times a day, it's their job to collect their money. Here is my problem with Wells Fargo, I worked out a plan to to get payments (including outstanding) within a 2 month window. I gave them whatever I could to make good. I was broke and barely able to eat. 2 days later the calls started again, whatever plan that was created was verbal and it was not noted anywhere in their system. The collections specialists want to scare you into thinking the vehicle will be repossessed, any day now.
I went to another lender to refinance but I am right at the wire of defaulting on this loan. I called "tammy and nicki" in collections to explain my situation but they have ZERO patience for these kind of stories. All they want is the money for Hells Cargo.
So the refi is happening and tammy and nicki are calling me with threats. I have by Friday or else, I am hoping that is the day my new lender cuts a payoff check. If they start the repo process and charge me 5,000 dollars while they know a payoff is on the way in a matter of hours, I will hire an attorney. WF sucks, they all suck pretty much but WF is the worst, especially if you hit hard times. Explore your options. Peace out.
0 comments