Comments | bad_service: Car Payment Woes

thenodrin in bad_service

Car Payment Woes

Jan 12, 2009 13:50

I understand that the economy is bad. I understand that people are defaulting on loans left and right. I understand that businesses are panicking. But, I don't understand this phone call I got today.
( Two Days? )

*banking/finance, this deer is desiccated

Comments 13

indicinderelly January 12 2009, 19:48:55 UTC

1) Did you make notes of who you talked to that said no action could be taken until after 90 days?

2) Did you keep track of his name, number, etc?

3) Do fair debt collection act policies apply here? Is he allowed to do harass you like that, refuse to look things up, give you only a few HOURS notice to pay, etc?

I think you should talk to a supervisor about him

paksenarrion2 January 12 2009, 21:22:50 UTC

Agreed.

And definitely look into refinancing with someone else. It might help by lowering the regular payment as well.

indicinderelly January 12 2009, 21:31:51 UTC

Oops. Mean 60 days, not 90.

thenodrin January 13 2009, 01:54:23 UTC

1. I did not. That was early Dec. I mean, I'm sure I wrote it down somewhere, but I don't know where that might be now.

3. He is allowed to say whatever convinces me to pay. It is unethical to lie to me, but he can do it. I'm a collector and I've lied to a few customers when I've had to.

Although, for being 30 days partially past due and 2 days past due, I wouldn't have bothered calling. Even when I'm directly told to call a customer who is less than a week past due, I find excuses to give them that week to get the payment in before I call.

Theno

Thread 6

managoddess January 12 2009, 20:58:03 UTC

Yeah, that's such bullshit and that guy was a grade-A asscracker. And they're soooo not allowed to go "Hey, we're taking your car back right now sosry".

kelterra January 24 2009, 02:05:00 UTC

idk if what the OP said about being a collector and being able to lie to someone is true (I say it that way only cause I don't work in the business and have no experience) then maybe he could say that. Like the OP said, it is unethical, but they can do it.

(The comment has been removed)

thenodrin January 13 2009, 01:57:49 UTC

This is why I was so worried about the call.

I had a debt consolidation loan that I got in early 2007. It was a three year loan. In April of 2008, they started refusing payments and in August they garnished my wages.

In July they sent me a letter threatening to sue for wage garnishment, and I went into the office and threatened to counter sue because they were refusing payments. The manager had me sign some forms and pay a goofy fee (which I disagreed with, but was more willing to pay than to have my wages garnished). One month later, I find that my take home pay is cut almost in half.

And, when I researched fighting it, I found that by the time it was likely to be heard it would be March of 09 and it would ultimately cost an arm and a leg in legal fees.

It is what caused the problem that I'm in now.

Theno

teenagepoet January 13 2009, 19:04:48 UTC

Why did they start refusing the payments? How were you paying them?

I'm in debt consolidation and my company has been fantastic to work with.

thenodrin January 24 2009, 04:48:33 UTC

They claimed that they didn't refuse the payments. Even when presented with documented proof, they claimed that I had never paid them, and that I was making it up and forging the letters from my bank.

And, as I said, once I talked to a lawyer-friend-of-a-friend, I found that fighting it would cost way more than just weathering the storm.

Theno

Thread 6