My story begins when my mother and I had to get a new car due to our trucks transmission going out. My mother is on disability, but I was working two jobs and able to make a good payment for a new car. My mother had bought a car several years ago from Keystone Chevrolet and had very good credit, so we decided to go there. We chose our new car and signed on the dotted line. We were told by the Keystone that the finance company that will assume the loan will send a payment booklet and monthly statement to us in the mail, but our first payment would be due on December 10th.
Everything was fine until I received a call on Thanksgiving Day from Drive Financial. The lady was very polite at first, even stated that they would be mailing a statement in the mail explaining how to make my payments, etc... It wasn't until she wanted the first payment right then that things turned for the worst. For one, I had just put up the truck and $1000 for the down payment and was not ready yet to make the first payment since I still had a month left. I told her that I would make my payment when it becomes due and not a month before. Of course, this resulted in a hang-up!
The calls didn't stop there. Oh no, they continued several times a day for the next couple of weeks. I finally got angry at one lady and told her not to call again at my place of employment unless she had a valid reason for calling, even asked if they have sent the statement to me yet since I had yet to receive anything in the mail from them. She said that it had been sent. From that point on, I received no calls nor mail. When my payment was due I had no clue how to make the payment, even called Keystone to find out how to get a hold of these people to make the payment, but was met with no results.
As time progressed, my payment was now over due and no calls or mail to direct my payment. My next payment was coming due and I still had no clue where to send the payments. Then finally on January 10th, when my 2nd payment was due, I received a call from a lady by the name of "Trisha". She wanted to know where the payments were for the car and proceeded to tell me what would happen if they do not receive the payments. I told her that I had no way to send the payments in to them because I had never received a payment booklet or statement from them with the address or company information.
She told me that it is not standard practice for them to notify me with a statement or payment booklet. Of course I was bewildered at this. I asked, "then how am I supposed to know where to send the payment then?" After a few minutes of stating my case to her, she agreed to give me an address to overnight the payments and note on my account that this was not due to my negligence. I raced down the next day and overnighted the two payments to the "Mockingbird Lane" address. It has been a nightmare ever since with these people.
The latest is that they have not recieved the two payments, told by one CSA... The two payments had a "stop payment" on them and they have not gotten their money, and I have one hour to race down to Wal-Mart and send a money gram or they will repo the car, by another CSA... They even called me with the belligerent attitude when I tried to explain that my bank had given me the statement that the money had been drawn out of my account for the two payments. Even told me that I was wrong and demanded that I pay that night, then hung-up on me.
It has been non-stop calls demanding payments that I have already made. Threatening to repo my car in the middle of the night if I don't pay right now! I raced down to Wal-Mart Friday and made a payment via money gram in fear they would actually repo the car, even had a friend of mine loan me the other payment and paid it via, western union. Of course I have yet to get a hold of anyone to give them the transaction numbers so they could take my car of the repo list, even though I have tried calling them during their normal business hours, according to the phone recording that I keep getting.
I have been talked to worst by these people than I ever was by my ex-alcoholic-abusive-husband of 11 years. My blood sugar has been through the roof since all of this stress began, and I haven't slept in days over the fear of them coming to get my car. It should be a crime, punishable with jail time for what these people have put me through. And the kicker here is this: the day after these demanded payments were made, I get a statement in the mail that clearly states that they have received the two payments that were over-nighted on 2/7/08...
I am willing to go in on a class action suit against these people and their illegal practices, please contact me if one ensues!
Sherry
Bristow, Oklahoma
U.S.A.
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