WOW I am simply amazed at how all of your reports hit home. I hve had many of the same problems with this company. I requested and received a payment history after I thought this loan was paid after six years and $549.00 a month for a 1994 toyota 4 runner. To my surprise when I asked for a clear title they told me I still owed $3,000, which they gladly refinanced for the same $549.00 a month for another year.
Anyway whenI received my payment history there are charges on there for phone number checks (whatever thatis) late fees, overdraft charges (Ihave never bounced a check and have proof of this. When I called they told me those were all legitamate charges. They threatened to reposs my truck the person was extremely rude and I told him if he tried to come and get it I would call the police and report it stolen.
He then asked me my address (which they have because they send me bills. He was extremely rude and never did show up. I lived in panic for quite awhile thinking I would come out of work and my truck would be gone. It takes them weeks to cash my checks.
I will never let them automatcally take money from my account. They did that once and took three unauthorized payments and then never returned the money that was three years ago.
I am definely interested in a class action law suit. I am appaled that this company has gotten by with this for all these years.
I wish someone would have told me earlier how they did business.
I have told everyone I know never to use ths company.
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