I too had a loan through long beach... Even paid 49 payments of 54 on time. I couldn't afford the car anymore but I contacted them to make payment arrangements. They wouldn't even after 49 on time payments. Then I told them to take the car and even left the keys so the repo guy wouldn't have to tow it. I even left it in my driveway.
Well they sold (allegedly) my 5 year old lincoln for $100 bucks. And said I owed them 1500 dollars more than I owed. When I agreed to pay off what i owed at 100 bucks a month by amending the contract no one from long beach disputed it. They have been accepting my payments for 19 months and now that i have all but paid them off they are saying I owe them more. They said i do not have the right to amend the contract and they never accepted it. However I believe consumers have the right to amend contracts. Also you can't dispute it 19 months after you take payments.
Rita says that they will leave the charge off on my credit report saying I never paid what I agreed to (their amount) But I have all my documents, statements and the amended contract to prove I've honored my commitment. Just a big bully picking on the little guy cause they can. Buyer through long beach acceptance beware!!!
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