I purchased a 2000 ford focus in july from a dealership about 2 hours from my house. The car was a negative. When i test drove it, the steering wheel was tilted. I informed the salesperson and he said they would have it fixed before i came to officially take it home. I was running late to work the day i picked it up and half way to work, i noticed the steering wheel was still tilted and in fact they had not fixed it. I ended up taking it back for them to fix about 2 weeks later covered under my warrenty. Also, the car battery which i later found out was from WALMART died in august. I called and spoke to my salesperson and explained that this should not have happened, number one, and that they have no right to put a walmart battery in my car and sell it. I wanted them to come tow my car back to the dealership and put a manufactures battery in free of charge. He said that there was nothing they could do for me and that if i have my car towed, i would have to pay for the expenses and also the new car battery which was not guarenteed a manufactures battery. I ended up going to walmart and getting another battery because i needed to get to work. I had just started my new job and was about to get fired if i didn't get to work that day. Also, my windsheild has about 3 cracks in it and my car has a bunch of dents and scratches on it. The scratches are covered up with what looks like sparkle blue nail polish. Absolutely stupid.
Now, the inital setup of payments for the car was 145.68 every other wednesday, twice a month which ends up equalling 291.36. The 145.68 was suppose to be directly withdrawn from my old bank account. On the sheet that i have, it claims that my monthly payment amount is 313.64 and there would be a monthly service charge of 2.00 which would bring the monthly total to 315.64. What doesn't make sense is how could they take out two payments of 145.68 and have my monthly payment be 313.64? That would mean that every month, i would be behind about 22.
On August 1 they took out 146.68 from my account which went through. (this is not a typo, they actually took out that amount.) then again on august 15 they took out 145.68 which made my account go negative because i wasn't aware they were going to take the money out that day. It was suppose to be on a wednesday after i got paid. I ended up closing that account and getting a new account with a different bank and made payments either online through their website or through walmarts western unit.
In january of 09, i requested them to send me a copy of all my payments that were made since i had gotten the car. On the sheet they sent me, it says the inital "new contract" was for 12,231.96 which i was not aware of. I was told by the car dealership that my car loan would be for about 8,000 not 12,000. If it was for that amount i wouldve never gotten on the car... At all. As i read on, i noticed that it said they received payments of 144.68 when in fact, they took out 146.68.
Now, on september 15, i had my car repossessed. I had no prior knowledge of repossession or that i was behind the amount that they said i was behind. I knew i missed one months payment in june because i was out of work after having my son in may. I didnt go back to work till july. The company said that i had to come up with 850 in order to get my car back which i did on the friday the 18. I had explained to the lady on the phone that i had no prior knowlege of this repossession either by phone or by mail. She explained to me that since i made a couple of complaints to BBB that they were calling and harrassing me, BBB had decided to have them stop calling all the numbers that were listed including my cell phone, my job, my house, my mothers job and my mothers cell phone. I told the lady that if that was the case, even though i was not made aware of that arrangement, they should have at least sent me mail saying that i was behind so i couldve looked into the situation and tried to resolve it. The lady proceeded to tell me that their company is not obligated to send me any type of mail unless requested. She also said that they do their collections solely by phone and that its not their fault i requested them to stop calling me.
All my phone numbers had been erased from the system therefore they could not call me what so ever unless i give them a certificed letter from a bank or some sort of higher authority figure/business saying that they can now contact me. She also said that just as a courtousey, they had mailed out some notifications on september 9 saying that i was behind in payments and to contact them regarding that situation. I said to her that its weird how they are not obligated to send out any type of notification through mail but that they did for courtousey... Weird. So i asked to speak to a supervisor. She informed me that the only how i would be able to speak with one is if she or anyone i had talked to from the company had misinformed me. I repeated myself several times saying to put me through to someone higher in power than she is and said she no. She told me i was not allowed to speak with anyone and that they were trained to answer any and all questions, comments and concerns that customers had with the company. Want to know when i received just one notifcation from the company? My mother and i (my mother is my co signer) received two certifed letters in the mail on september 18 which was a little while AFTER i had gotten my car back from the repo company.
On the very top of that letter, the date is september 15 which was the day the took my car. Also, it has a security agreement date of 7/14 which i dont know what that is but i know i had purchased the car on that date and also they date a date of repossession with was 9/15.
I believe in the state of ct, companies are not allowed to repossess anything without prior notification and clearly they did no such thing. Also, the letter of repossession is date ON THE SAME DAY THEY TOOK MY CAR and i did not receive it until that friday the 18.
I want to know what i can do to get make this situation better. I am not happy with this company at all and I never knew this company was a piece of crap until these bad confusing situations kept happening to me. Help!
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