Complaint Review: WFS FINANCIAL

To George - you posted:

"They call me every day because I'm 15 days late and yesterday some guy name john cuss me out and told me that they were going to repo my car and I'm not even 30 day late"

Easily solved. Make your payment before the due date passes, in time for it to post. Consider yourself lucky, if you are making recurring late payments they should have repossessed your car already. In Kansas the lienholder can repossess your automobile:

After 20 day "Right to Cure" letter from lienholder to debtor, repossession is allowed without committing a breach of peace. (Applicable only once during term of security agreement.) Not applicable to any "substantial impairment" such as lack of insurance, etc.

Note that they only have to send you a letter ONE time and any subsequent delinquencies, even one day, gives them the right to repossess.

To Dusty:

You stated you were making "western union" or credit card payments on the due date. Be careful of this. With Western Union payments to many large companies via "quick collect" the payment is sent to the company via batch at midnight. This would result in posting the next business day, causing a late payment. The same often occurs with visa/MC payments. You should make this payment 2-3 business days prior to the due date to allow for posting. This batch processing will easily cause late charges if you are making the payment on the business day it is due.

To both of you. WFS is a "sub prime" lender. Basically a lender that finances automobiles at higher rates as they are not otherwise credit qualified for a traditional loan. If this was the only lender you could find it is only appropriate you expect to be treated like a high risk debtor. MOST of the customers of WFS or other sub prime lenders miss payments, make repeated late payments, don't maintain required insurance etc. Their collectors, like all collection associates, have heard every "sob story" known to man in regard to missed payments. They simply respond as human nature does, with great skepticism.

As for being "cussed" at - you only tell your side of the story. I'm sure WFS reps could fill several pages of posts with the profanity they hear from debtors.

First of all I want to say I have a car threw you people and I have always made my patment on the day that it was due I would call in give a money control # if it was western unioned or pay with a credit card. And you dumb so called employees would call me a week later telling me that I have not made my payment and that I have to pay a late payment so I did what everybody else is doing and proved you dumb #&* wrong and I did not recieve an apology was not credit for the late charges instead they are now telling me that I owe Over $400.00 in late fee's I have only had the car for 9 months how in the hell do they figure that i owe that sorry company Over $400.00 in late fees. I just know that company is going down and everyone that works there will be going down too and they will all be sued for everything thing they own.I can't wait for the day to come so I can say I told you so.

FIRST OF ALL GEORGE, DO YOU BELIEVE EVERYTHING EVERYONE TELLS YOU? SO IF I WAS TO TELL U THE MOON WAS MADE OUT OF CHEESE, WOULD BELIEVE ME? I THINK NOT... MY ADVISE TO YOU IS NOT TO BELIEVE EVERYTHING YOU ARE TOLD.. AS FOR NOT BE ABLE TO REFINANCE WITH WFS KEEP IN MIND YOU ARE REFINANCING WITH A FINANCE COMPANY NOT WITH THE DEALERSHIP THEREFORE THE DEALERSHIP CAN ADVISE YOU THAT YOU CAN REFINANCE THE LOAN AFTER A YEAR, AS A MATTER OF FACT ANYONE COULD REFINANCE A LOAN AFTER A YEAR NOW WHETHER ITS APPROVED OR NOT DEPENDS ON YOUR CREDIT SO IF U DONT HAVE GOOD CREDIT OF COURSE YOUR NOT GOING TO BE APPROVED OR MAYBE YOU HAVE TOO MUCH CREDIT OPEN ON YOUR CREDIT REPORT THATS ANOTHER REASON FOR BEING DENIED. SO WHAT YOU MIGHT WANNA DO IS CHECK YOUR CREDIT REPORT AND CHECK WHAT THE PROBLEM WAS..


NOW AS FAR AS THE CIVIL LAWSUIT IM NOT AUTHORIZED TO DISCUSS ANY INFORMATION BUT ALL I WILL SAY IS THAT THERE WAS AN ERROR SOMWHERE BETWEEN THE DEALERSHIP AND FINANCE COMPANY AND DUE TO ERROR WE WERE GRANTING OUR CUSTOMERS 1% LOWER APR NOW IF U WANNA TO PURSUE THE LAWSUIT FEEL FREE TO JUMP ON THE BANDWAGON, IF YOU FEEL YOU HAVE BEEN WRONGED.. AND SERIOUSLY IF U DONT WANT COLLECTORS CALLING YOU THEN BUDGET YOUSELF WISELY SO THAT YOUR PAYMENTS ARE RECVD ON TIME DONT BE IRRESPONSIBLE AND MAKE YOUR PAYMENTS LATE AND THEN COMPLAIN BECAUSE YOU ARE BEING CALLED, I UNDERSTAND THAT SOME COLLECTORS CAN BE A LIL RUDE BUT UNDERSTAND THAT IF YOU WERE TO MAKE YOUR PAYMENTS ON TIME THEN YOU WOULDNT HAVE COLLECTORS CALLING.. SO LIKE I SAID BE RESPONSIBLE, BUDGET YOURSELF AND MAKE YOUR PAYMENTS ON TIME AND YOUR LIFE WILL BE LESS STRESSFULL..