I was the irresponsable on that cosigned for a assosiate of mine. October I was scheduled to be deployed over seas and had not heard from this idividual for 2 months. I called the dealership that the car was purchased from and obtained Drive Financial's contact information, I wanted to make sure everything was on the up and up with this car before I left.
When I called in I spoke to one of the operators who took my information and put me on hold to transfere me to another department. At that time I was put on the phone with one of the collection people, she informed me that the car was three month past due on the payment. When I questioned why as the cosigner I had not been contacted I was told that none of my information was on file, funny seeing as how when I obtained a copy of the contract from the dealarship my work phone was on the contract even if my home was not.
The woman in collections that I was dealing with informed me that she had been in contact with my associate's wife and that my associate had been arrested and the car inpounded. The wife mailed in a check to cover the late payments which bounced. The wife refused to give any more information on the matter. I asked her to work with me so that I could get as much information as possible.
I spoke to detectives who found that car for me in a police impound yard. I money grammed the over due payments to stop the car from going into a charge off and mad arrangement with the woman in collections that I was dealing with to have Drive Financial pick the car up from impound and tack the fees onto the loan of the car. After almost a weekt the car was still not picked up and the impound fees were still going up every day, So I took out a loan to get the car.
In December I arranged to get the car refinanced to lower not interest and the monthly bill. I called into Drive Financial to get a payoff amount and the operator I spoke to reminded me at least 3 times how important it is to make timely payments. I informed him I had every intention on sending in my December paymen on the 9th (even though bill was due 15th) because I wasnt sure how the refinance was going to take. The operator informed me he was going to make a note that I was going to pay my bill early and if I didnt it would be consodered a broken promise and the company would have a hard time dealing with me in the future.
Well needless to say I paid on the 9th. On the 12th I mailed out the refinance check to pay the account off in full and it was received by Drive Finance on the 13th, 2 days before my bill was due. So I gave it a couple of days before I calld Drive to ask about my reefund check. The operator I spoke to informed me it would take anywhere between 30-45 days.
Well the check arrived a couple of days later with only my associates name on it, my name no where to be found. I called Drive Financial and the operator I spoke to asked me why cant I just get my associate sighn the check, I told her because he is incarcerated. I was then transfered to someone in the legal department he told me to include a letter of our conversation stating that however I mailed the check back ie: overnight, second day, ect. It would be returned to me the same way. I Fed Ex priority over night.
I waited 2 weeks when I received nothing I called. Speaking to the same gentleman in legal well they said they never received the check, but they were going to look for it (I have the fed ex proof that someone signed. Then I started dealing with another gentleman that was helpful and nice. He told me my check would be mailed oout 2nd day on a Friday by Tuesday when I still had no check I called him back, he said he found out that the email he forwarded requesting my check had no even been read by accounting department so he was going to walk the request over, well after stillnot getting my check I have started calling on a daily basis. I was informed to day that the accounting department didnt even have record of mailing me a check in the first place and could not cut another check if one was allready floating around.
Finally they tracked down who signed for the check in the mail room and then who signed for it in the accounting department but there is still the matter of the missing check, but that they should be able to have me a check cut today and atracking number to give to me. Well my mother decided to give Drive a call and spoke to a VP of Financial and he is very upset that his people wrote a 690.00 check and didnt record it, also that the gentleman that is helping me doesn't have the authority to request a check to be sent, so we will see in a couple of hours when I call for my tracking number if I am to receive me check
Teresa
hawthorne, California
U.S.A.
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