I purchased a truck in March. I'm disabled and terminally ill, I fell behind on my payments in October. From October until while I was very sick I was not able to make a payment I didn't hear a word form anyone at Drive. I got a letter from a representative from Drive claimimg there were several ways she could help me get caught up on my payments I was 3 months behind I was told that they could defer the payments I owed but would have to make one payment plus the intrest before I could do that or I could do a Hardship refinance which would lower my payments but would have to be current to do that.
I was getting calls from people who said they were Assistant Branch Managers and could take care of my problem but needed to be current first. I had at least 5 different people calling me a day each 2 to 3 times, no one knew anything that was discussed with the last representative they never note your account. Then you have a Loss Prevention representative who calls asking where you sleep at night and how many nights a week you are at your address.
In February I was contacted by another branch assistant manager who told me she was calling to try to collect one lasst time on the car in our conversation she stated that my account had been charged off and and if I wanted to do what was right because of the charge off it wasn't fair to the stock holders and owners of their company I should try to start making payments and do the right thing but at that point their next step was to have their attourneys file a lawsuit against me to collect the balance due on the car loan, they would not come get the car but just file against me.
I never got a notice that I was behind in payments, the invoices they send out never note if you are behind it just shows the next payment and that date. The account manager would call and discuss my account with anyone who answered the phone giving out all the information as to how much I was behind, when I paid last the payoff information and then would tell the person that they should have me call within 10 minutes or they would file against me.
I was in the hospital at the time and got the message from and as sick as I was I returned the call within 7 minutes to be told that the person who called me was gone for the day. I tried to call several times the next few days and all I got was a voicemail service Audiovox that would not take messages, their web site never seems to be able to get emails to representatives. I think if enough people contact their Attourney generals office and file a complaint something might happen to them and their practices. I was told that a Class Action Lawsuit might get their attention.
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