I took out a loan with Triad Financial in Febuary 2007. All of my payments were paid ontime until May and june 07. I called and paid like $200 in fees to have those 2 payments differed to the end. Nothing was stated in phone calls or paper work that everypayment after that had to be paid on time. I went past due by 15 days in October 08 and after all the phone calls up until nov 3 08 I told them that I wasnt sending in Novembers payment either.
The company Calls me and everyone I know 10-15 per day demanding a payment. I called them back on Nov 3 and agreed to send in the 2 payments one on nov 7th for octobers payment and one on November 28 for november 3rds payment. The lady agreed.
On November5th (today) I get another call from the same lady saying those payment arrangements were no good. I had to have them paid sooner her supervisor didnt agree to the deal she made with me. I told her I could not come up with that much she then proceeds to tell me that since I had 1 payment 30 days late and 1 payment 2 days late that that put my 2 payments from May & June in differ default and late fees were to be added to that. She told me the best they could do for me was for me to pay the 2 payment I had previously differed, October and Novembers payments and then 480 dollars worth of fees to be paid in the next week that was the best they could do for me. I told her there was no way this could happen. She then began to tell me how I needed to look at a calender and learn to pay my bills. Not to mention how rude and smart she was with me threw the whole conversation.
She then told me very rudely that I needed to get my act together and pay my bills again.in the past they have told me to catch my account up and they would refinance the car, change the due date, or differ the next months payment. I do as they say then call back and they have 10000000 excuses why they cant hold there end of the deal up. So this time I asked if I come up with all this money you have told me to will my car still be repoed. She tells me that the care is in differ default and that cant be reversed. I told her that would make alot of sense for me to send her this 2000.00 and some dollars like she wanted and my car still be in default and get taken. She said I cant help that. SO I told her I wanted to voluntarly surrender the car.
She then wanted to know the address to get the car and all other information. I got smart back and said that Triad was getting a awful lot of money ripping people off for me to have to do her job and tell her all my informaiton. She told me I had till 5pm to call her back and tell them to come get it or I would make the payment and hung up on me.
I waited about 1 hour and called back and spoke to a supervisor and was told that the lady I talked to the first time was not sopose to tell me anything about the differ default that was not there policy. She then told me if I would make both my oct and nov payment in november that my account would be current and they wouldnt come get it.
My question is after all the lies I have been told from them and after all I have read on here do I trust them and send them my money or let them come and get it? What does it show up on my credit report if I voluntarly surrender it and how long does it stay on there? How do they go about collecting the money owed after they auction it off? Thanks sorry for such a long post.
Nikki
Covington, Virginia
U.S.A.
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