I will make this short and sweet. My second car loan was through Americredit at the interest rate of 32%. I was paying $598 a month for a Chrysler that was falling apart. I had traded in a 2004 Chrysler when I still got hooked to this company. I was TEN DAYS late with my payment and they would start calling me at work. This woman harassed me and said they have the right to call as often as they want, where they want and there is NOTHING I can do about it. She proceeded to call me a LOSER and that I was late because I could not handle money and it was my fault. This woman got me so upset she brought me to tears. I hung up on her and then called back and complained. Fat lot of good it did. If you are TEN SECONDS late with your payment, these people start calling you every hour on the hour and I am not exaggerating. They used to fill up my answering machine at home and then transfer to calling at work. Finally I DEMANDED that they stop calling my office which they did only because they HAD to. Maybe it was because I filed a complaint with the attorney general's office in regards to this.in addition to the extra high interest rate, they charge $10 A DAY for each day you are late and they keep track of this and expect you to pay it. After two years of this harassment and because my nerves were shot because of them, I finally said "screw it" and I let them reposess the car. What a relief this was when the phone calls finally stopped! Now I have another car, with another loan at a NORMAL interest rate and everything is fine. This company really needs to have some business ethics instilled in them. I hope whoever else they are harassing now, files a complaint with the attorney general.
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