I hate these guys so much I don't know what to do. It began about a year ago when I missed a payment but kept making payments after that.
Months later I start getting call that I missed a payment and owe over 400 dollars. I paid half and told them I would pay the rest later and did. Somehow I never seemed to catch up. Soon I was in the "collections department" which sounded like phone extensions in a school lunch room.
This is where the drama really began as I was introduced to the millions of reps who never knew what the person who spoke to me last said about my case, my paymwnt, or anything at all about me. Their managers are worse.
Then they told me about the "deferment" payments, the dangling carrot they used to get more than a regular month's car payment out of me. The first letter came to me postmarked almost 10 days after I requested it, making it null and void by their admission, thus making my payment 2 months late.
I got caught up and requested another deferment letter. This one came quickly but when I return it signed, they told me I had missed a payment and the deferment was again null and void. How I can miss a payment while you are "sending me a letter of deferment" is beyond me. Which brings another comment; you would think that after dealing with me for so long that someone in their department that handles my "delinquent" account would see my regular correspondence and payment and give me a break! Nope. No sympathy at all.
I finally requested to be put on a no call list, as they were still calling me 10-20 times a day while I was in the middle of "negotiating" with them and they could not stop the automatic dialer from calling me at 8 o'clock on Sunday morning.
They never gave me a deferment. I had begun talking to a lawyer to help handle them and a few others. After the last non-deferment I refused to pay that month. I owed a little over 500.00. I sent them 200 which they received on Saturday. They repoed my car from my job today, for 300 dollars. After a year of this they repoed my car.
They still can't tell me when I missed a payment.instead they send me a statement, so I can follow my account and make sense of their twisted accounting by myself. They want over 700 for my car, and over 300 for the tow.
May they rot in hell. I plan on suing. Any ideas or referral for counsel is greatly appreciated.
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