I purchased my vehicle in January. I joined the Army in February. I never missed or was late on a payment. Prior to deploying to Iraq, I set up an allotment to pay the car note through First Citizens Bank in Radcliffe, KY (the bank that Drive told me to go through, plus my wife was pregnant, I figured it be one less thing for her to worry about.) In October, I sent an extra payment in so I wouldn't fall behind (payment is due the 29th of each month, I get paid on the first.) Also, prior to deploying, I faxed them a copy of my enlistment contract and a copy of my deployment orders so I could take advantage of the Service Members Civil Relief Act, thus dropping my interest rate to 6%. That fax was lost. During deployment, my wife received calls several times a day with them saying the payments were late (I paid a month ahead, how is this possible?) My wife faxed them the same paperwork for the SCRA, and made another extra payment. Again the fax was lost, and the second extra payment magically disappeared.
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