I purchased a 2001 Pontiac Sunfire from a Lincoln Dealer in Ohio in December. I had purchased this vehicle for far more that what it is worth and I only wish I knew then what I know now! I paid over $13,000.00 for a vehicle that had a sticker price of $7999!
I had gone over a year without any financial problems and was never late on the loan with Affiliated. I had missed a payment and was about 20 days past due with another payment approaching and I began to recieve harrassing phone calls telling me that I was in the "Recovery Department" and that I was actively being repossessed! Now back then I believed them... I hurried and begged a friend to borrow me the money to stop them from taking my car. The male that I spoked to used such language and threats that it broke me down to tears. I was told several different amounts to pay that day and conveniently I was short. I continued to receive harrassing phone calls about the late charges that I hadn't paid that day. I have been trained in the FDCPA and since learning that Affiliated Finance adheres to the FDCPA I have several threatening voice mails saved from there representatives. I have been called by reps claiming they were calling from the Police Dept in my local area claiming that my vehicle was reported stolen, I have received phone calls telling me that I am irresponsible and don't deserve to drive the vehicle. My little sister was contacted and told that they were calling from a Balloon shop and that I had purchased a bouquet of flowers and balloons with her credit card and wanted to verify all of my contact information. They made all of these mistakes by leaving the general phone number to call back and leaving 3rd party disclosing voicemails on a number that doesn't even belong to me! Every time I call I get a different rep who tells me I owe a different amount with different late charges. I was told I get charged daily late fee if my account is behind but if you read my contract it says a one time fee of 5% or $25 whichever is higher.
I have filed several reports with my Attorney General and that had calmed some of the calls down but I still receive bills that are outrageous and calls threatening that they will take my car and actually leaving the name of the repo company on the voicemail! If keeping this car wasn't life or death for me I swear I would just give it back, but I have put so much into keeping the darn thing I refuse to let it go! I know what they are doing is against the law. They misrepresent themselves, leave threatening voicemails, 3rd party disclosure, changing contact info without permission, more that 4 calls a day, nasty and vulgar attitudes!!! I have 2.5 years to go and I still owe them over $7600.00!!! I have threatened to use the voicemails and letters that I have received against them and sue them for violating the FDCPA but don't knhow how to begin that process... I am dying to stop them from doing this to someone else who may not have good or great credit but works really hard to hold on to something
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