I financed my car with Drive Financial in Febuary of 2001 after my car decided to die. I was recently divorced and my ex had done a nice job of ruining my credit.
When I bought the car, I set up an ACH transaction, so that the car payment would automatically be deducted from my account every month.
I never heard from Drive Financial, until about two months ago. All of a sudden, I was receiving 2-8 calls a day, telling me I was past due. Please understand my frustration, as when I checked my bank account for the last year, I ALWAYS had a debit from Drive Financial.
So, each time they called, I called back. The reps will NOT let you talk to a manager. They kept asking if I would like to set up an electronic check to bring the account current.
How do you explain to an uneducated phone jockey that your account is current???
Finally, I did get in contact with a manager. Drive has recently implemented a new system. The new system doesn't recognize ACH payments automatically, so I was being put on a 'Virtual Call' list.
In response to the other posts about Drive... Some of you have cases, such as the lady in Guam who wasn't late on payments but Drive paid insurance deductible and picked up the car, some of you don't. You have to understand, they deal with high risk customer's every day. They have heard every story in the book as to why a payment hasn't been made. Now, that doesn't give them a reason to harass. However, the FCC does allow them to call UP to 8 times a day. Additionally, unless you send your letter certified mail asking them not to contact you, they won't. They never 'received' your regularly mailed request. If your late, your late. Unfortunately, you have gotten yourself into a position where your credit is already bad. They aren't going to give you 1 day of grace, let alone a week or a month. They have every right to call and collect on a debt that is owed.
Good luck to you all who do have good cases. The rest of you... Pay your bills, live within your means, and do something to move up in life.
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