We financed our vehicle through Drive Financial. Like many other people here, there were no problems. Then, about one year into it, we were advised that our loan was sold to Santander Consumer Finance.
In March of last year, my wife was badly hurt at work. Hurt so bad I had to quit my job to see about her. Things were tight, but we still were able to pay the truck note. We went without eating several times, just to make the note. Eventually, I was able to work again, after I had moved by family who helped take care of my wife. Then, my wife's company cut off her work comp. Payments, and we had to start the long process of a law suit.
We were left with just my paycheck.By this time, we had over two years of perfect payments, not even One late payment. But, we had fallen desperatly behind. They did work with us at first, but all downhill from there!
They gave us a deferrment and moved the late fees and penalties to the back of the loan and gave us until the next due date to make another payment. I was able to pay the next payment. It looked like we were getting back on track.
But not so fast-
I had a cut in pay, and told them I would be a little late on my next payment, but I could make it if I had a little lee-way. They said it was not possible. I asked if I could have one more deferrment. They said I just had one and was required to make at least one payment to qualify for another one. When I told them that I had made a payment, they told me I was lieing.
When I finally proved it to them, they said I still ahd to make one more payment to qualify for deferrment. I borrowed Money from family and made one more payment. Then they told me that I couldn't get a deferrment for another six months. And they said I owed interest on it, by the day.
By the next payment date, I was able to pay the regular note of $454.00. They said they wouldn't take it. They said I owed too much interest and that I needed to pay at least $800.00 and THEN the $454.00. I told them I wouldn't.
They called every hour every day for weeks. Finally, they made me an offer.
They said if I just pay a regular note, it would put all the interest on hold until the next pay date, which would give me time to raise the money.
I gave them the note. The next day, they called me and wanted money. I told them what was discussed. They said whoever made that "deal with you, lied to you. And now your interest is $2,010.00"
Every time I call them, they lie to me. I give them money, and they call and want more.
Today, the truck was repossed while I was at someone's house! They pulled up right after me and hooked up.
I asked him to show me his papers stating he had the right to repossed, all he showed me was his IPHONE. And wouldn't let me read it.
Even my lawyer said it was repossessed illegally.
They don't care.
Over two years of perfect payments mean nothing!
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