Complaint Review: SEAWEST FINANCIAL

Purchased a 2001 Escort 7/02 for $9000. My payments are $311.31 per month, bringing the grand total up to $3735 that has already been paid. As of today, 7/26/03, my payoff amount is $8428.45. How do you figure?!

The first few months they deposited my checks early, so of course they bounced, and they refused to refund the check fees.

At one point after I called to take care of one of these "missed payments", the operator called me back within five minutes to ask that I send my payment ahead of time to show my "good faith". That check was cashed nearly three weeks in advance.

When I called to talk to the manager, they said they had no record of the operator calling me, and I must have sent that payment in on my own. They also said they will cash checks as they receive them, and I can go ahead and sue them for the fees if I want but it's my fault for sending a POST-DATED check in early.

I finally enrolled in TruePay just to get them off my back, and I keep getting these little inserts asking me to enroll in this stupid program that i have been in for over six months! Do they not keep records????

Renee
VIRGINIA BEACH, Virginia
U.S.A.