CPS is the worst car loan company there could ever be. I was going through some rough times and had gotten behind on payments. I contacted CPS and made arrangements to catch the payments up. Once I made the payments and was almost caught up on the loan I felt that I wouldn't hear from CPS again because I was actually sending a little more then I promised.
Well 2 weeks before the next payment arrangement was due, my phone rang. The payment wasn't even due yet. I gave the date of when the next payment would be made, which was in the same month that it was due. 3 days later I wake up to find a repo man, and I use the term loosely, he looked more like a kid, was hooking up to my car. When I told them that what they were doing was illegal and that I had called the police they laughed at me.
At 1am I was beyond pissed. I told him that I had made the payments as agreed and that I had proof. When I went to get the copies of western union payments I had sent he flew out of my drive way dragging my car. I have contacted CPS and told them what happened and how the guy messed up my drive way and yard and probably the car. But they are refusing to speak to me. All that was said was that I would have to pay late fees, repo fees, restoration fees, pay the payment that was due PLUS a month in advance just to get the car back. And that there might be storage fees as well depending on how long it takes me to pay all these "fees". So basically I caught up my payments for them to come get the car anyways.
Yes this company is a loan company that gives 2nd chance loans however they prey on you the entire time. Calling before payments are even due, threating to have you arrested for being behind on payments. They have called my work, my cell, my family and scared my kids. I never avoided their calls I simply would ask for them to call me after work would even give them times to call but they would never call then. When I would call them after I got off work, I never could get an answer out of them.
So right now I am looking at almost $2000 to get my car back when I'm not even behind in payments. Someone please tell me how they can do that. If there is something I can do someone PLEASE let me know.
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