I obtained an auto loan through AAA and a local bank. It was eventually sold to Santandera which is operated by Drive Financial. Recently I have been about 35 days late on the loan due to my husband's deployment (army/military) to Iraq and our loss of income. I have been working hard on the finances and catching up and the fact that payments are being made and the time frame between payments is closing in is evidence of that.
Each time someone calls to collect information regarding the late payment I need to re-explain my situation. It is tiring and futile. I have asked again and again that they record the 'story' so that I not need to re-tell it! I understand that they need to call, but this is just getting ridiculous. These people have no compassion. When I am asked what my reason is for not paying (!!! Do I 'owe' them a reason???) I have begun to ask what the last person recorded as my previously stated reason, and it has NEVER resembled what I said!
Last time I spoke to the company (last week), I asked to speak to a manager. The manager used a rude tone of voice and demanded that I call in 10 days and inform him of a plan of payment. I asked him if he wanted me to call him even if I didn't have the money to pay...??? Because that would mean I did not have a plan of payment. He said that he did not care what I had to do... Borrow the money or whatever... That I needed to pay the bill. I'm talking a month behind here on a 6 year old mini van! Holy cow! I told him I had no intention of borrowing money and I was wondering if he wanted me to call him in 10 days even if I didn't have the money... He became livid and gruff and told me that i was being difficult, etc. Oh, he was very very angry. I told he the fact that he was demanding payment, and that the fact that his people were calling me and expecting me to re-explain my situation time and again was harassment. This didn't seem to phase him.
At any rate, I did set up payment. He agreed to waive the late fee as there HAD been an error on his company's part due to their putting in the wrong bank acct #... But alas, I checked my bank acct today, and I was charged a late fee anyway. Go figure. I will call the company tomorrow and see if I can get it waived, though I am sure I will only be met with more hostility. Not a fun company to work with.
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