I receive harrassing phones calls from drive everyday regarding a payment.in addition, I have been threatend that someone will come pick up the car and that I better clean it out. Also, I made payment arrangements, and I was told that there is no record of that.
Additionally, The cost of the car was $14,000 and some change. However, to date, I have paid $9,214.10 in interest and only $3,802.68 towards the prinicipal.
Drive has called my friends and told them that I was behind on my car payment and that they could not get in contact with me. They call my house everyday and sometimes when I answer the phone, they do not say anything. They also have an automated system calling my house. I made arrangements to defer two payments. I was told I had to pay a fee of $89.00. I paid the fee and I was informed that I am still two car payments behind and that the $89.00 was applied to a payment and I have to pay the deficit between the payment amount and the $89.00.
I received a call today from someone and he told me that he is going to send someone to my home to pick up the car. I told him if someone comes to my house bothering me in an unacceptable manner, I have the right to defend myself. He told me that I will go to jail and that our telephone conversation was being recorded. If I remember correctly from working in a law firm, one must disclose that the conversation is being recorded prior to any conversation. Therefore, recording my conversation and informing me well into the conversation is illegal.
Anyway, I have paid $13,016.78 on my car and I still have two years left to pay on the note. I owe to much for a trade to be a fiancially sound move. The fools at Drive call me everyday and I pay my car note every month. What really gets me mad is that the payment is due on the 13th, and they add a late fee to my account on the 12th of the month. They want me to pay over $600 for late fees in addition to over $600 in miscellaneous fees. I have also paid a car note that was more than the note and drive recorded it as the regular payment amount. When I look at the amount drive claims is outstanding and compare it to the payment amount as well as the two payments missed, and the late fees stated, the amounts do not match. I wonder what kind of math drive does. It just doesn't add up! The payoff amount and the amount I have requested as a payoff do not match either. The payoff amount is listed with my payment history and that amount is less than the amount listed on the statements drives mails to me as well as the amount I get when I contact Customer Service. I am beyond tired of drive. Fortunately, I have a print out of all payments I made. Another thing to be aware of is that drive does not apply payments when they are received. I have my payments sent directly from my bank. There is an initiation date and a payment to be received by date. I discovered that the bank gets the payment to drive by the latter date mentioned. However, drive applies the payment whenever they want to. Therefore, if they want your payments to reflect as being paid late, they will. This is their way of justifying adding late fees. I can't express what I truly think and feel regarding drive. Hopefully, I have said enough. I was informed that late fees are illegal. I have not verified that. However, that information came to me by an attorney. So, I am inclined to believe that it is true.
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