1. Sept Purchased car from tent in mall parking lot was set up with Seattle Metro CU from the car dealer.
2.. July I missed Insurance payment Credit Union put insurance on and Raised our payment. I found out and fixed my insurance problem the payment was suppose to be dropped after one year. Payment went from $313.72 to $384.00 this payment continued and was never removed until i mentioned it after car was repo'd they say they gave me credit I dont believe them. If that was true I would be way ahead on payment as I usually paid 400.00 a month all the way till the end.
3. Continued paying sometime in 2006 or 2007 We recieved a letter saying we were qualified for 10,000 credit card. We recieved card in mail dont remember signing anything for it or applying it just came.
4. We used card kept up on payments till around Oct when I lost my job made it tight continued paying car payments.
5. At some point we were locked out of our account (checking and savings) and anytime we needed to put money in account we had to call the branch in seattle ask them to open account. I was told by rebecca where we need to put money she was the one who would transfer to the account.
6. April 2nd 2009 We were served from an attorney on the credit card saying they would take us to court and garnish wages. Bla bla bla I called bank and asked what can we do?
7. I was working with Rebecca consistantly and had been late sometimes on car payment was working very hard to get everything paid up to date calling many times talking with this lady. At some point Rebecca wasnt there and I have to deal with another lady. The 2nd lady Cindy told me if I made 2 payments that we set up she would put my card on a hardship payment plan of 200 a month for 6 months which would help me get causght up.
8. On the days requested I called and spoke to lady #1 and she put money in account told me not to worry about car they would work with me at this point car was 30 days late she said I had to put money on our credit card. If I had any choice I would have put on car to get current. I ended up putting 1200 dollars on the card in 1 month time. After doing exactly what they said they changed there story and didnt follow thru on what the agreed upon.
9. May 22nd 2009 went to shared branch location and put money in account an hour or 2 later she called and said the attorney wants to talk to me if I didnt call him there was nothing she could do to help me. I called immediatly and he acted like he didnt know what i was talkin about. I called her back she insisted on me calling him again. I did he said well the bank wants me to put something together for my husband to sign and must get it back to us It was memorial day weekend and he wasnt sure he could get it done before he left that day. He did I recieved letter the following monday. The letter states (It was a confession of judgement and stipulation of payment needs to be signed by notary. My husband wasnt home he was filing in on someones Vacation outa town for work. We never signed before date specified which was June 5th.
10. No One called to ask I was planning on making payment on my car june 15th which was payday. My car became 60 days late on June 10th I had spoke to rebecca and told her my payment would be made and credit card again just 2 weeks after the last large payments made.
11. On June 12th They came and REPO'D my car with out even knocking on my door just took right off my driveway and left note for me on my door. I called the following monday as this was a friday. Got many different stories from bank as to why the came and got it. They told me numerous times its cross calateral i said no way its not. And they kept saying it was. Well Tim said yesterday its NOT cross calateralized and he was wondering why we have paperwork specifying that on our 10 day sell letter that was also missing information that was suppose to be on the letter.
11. Well now I just recieved the sale notification they sold car and i owe money. I dont believe they sold it its on a consignment lot in belvue. They really havent went by the law as to paper work they all seem like there on a different planet no ones story ever coencides with another person I have talked to 4 different people in the collections department. Now that my car has been sold i got Tim to agree my car is not cross colateralized. I am wondering if this is a collection department why nothing has been recorded because they would have found everything i have said is completly true and that they have manipulated and lied to get a car i paid on 3 years and had only 2 years left. I have brought to all 4 peoples attention that we should have been ahead not behind on car payment due to the insurance mistake. This has been shooshed aside and ignored for the most part and said that it was looked into a while ago and taken car of still no proof was sent to me on this matter.infact when I looked online on my payment due was still showing 384.00 per month all the way to the end.
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