Concerned
United States of America#2Consumer Comment
Wed, November 18, 2009
I have been researching and have noticed one common theme - the consumer was told one thing - but when it comes to Americredit's records - it's completely different. I have a vehicle financed through Americredit. I had 2 surgeries late 2008 and then early 2009 was told I'd had a heart attach and type 1 diabetes. When I was finally released to return to work - if I don't work, I don't get paid - I was laid off the next week - April 15. My husband contacted Americredit to defer 2 payments. He was told "NO". Americredit does not defer payments. Through research and a different number, they agreed to defer 2 payments - over the phone. We did have to pay close to $200.00 - which was less than half of one months payment and send an e-mail to them authorizing the deferment. We did both IMMEDIATELY. I went back to work for another company, less pay and less hours. It's been rough, to say the least. I contacted Americredit for some help until we can get our tax refund in. No response. I contacted again - e-mail to all Executive V.P.'s and I hear from Ms. Neighbors as well. You know...none if this is helping my blood pressure...
Her e-mail is below received today at 10:37 am
Also, online it shows we are 2 payments behind and one current. I am only behind one payment and now the November 7th payment is due. Were 2 payments deferred?
--- On Tue, 11/17/09, Cassie.Neighbors wrote:
From: Cassie
Subject: RE: Acct xxxxxxxx- HELP PLEASE
Date: Tuesday, November 17, 2009, 4:38 PM
Thank you for your recent email in reference to your AmeriCredit account.We have received your inquiry about changing the terms of your contract. We understand that our customers may face financial hardships and we try to assist in every way possible. Unfortunately, we are unable to comply with your request to lower the monthly payment, lower the interest rate or alter the terms of the signed Contract, as AmeriCredit does not offer refinancing or similar programs. I would encourage you to contact our Collections department at 1-877-994-9115 to discuss your intentions on your account.Thank you,Cassie Neighbors
Regulatory Compliance Analyst
Legal Department
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From: MonicaSent: Monday, November 16, 2009 3:08 PM
To: Americredit.com
In September 2008, my husband and I purchased 2 pickups. One is financed through Americredit. These are not loaded or fancy. We paid $16,000 for each. Our home mortgage is $35,000. We have zero credit cards. In October 2008 I had major back surgery and surgery on both knees. We were prepared for that; which is part of the reason for the purchase of 2 new vehicles. We wanted to make sure we had dependable transportation as my doctor's and the hospital where I had surgery is located 1.5 hours one direction. In December 2008 I had to have another surgyer, on both arms; which, we were not expecting. In January I had other problems and had to have emergency laser surgery on my eyes followed with yet other problems that lead to yet another doctor in February telling me I have had a heart attack. In April I was released to return to work full-time - I worked hourly at the local feed mill, and if I do not work, I do not get paid. On April 15, 2009, I was laid off (about 1 week after I returned to full-time work). I did find another job with one of my previous customers, at less pay and less hours. In June I learned I was Type 1 diabetic - I used to ride my bike 2 miles to work, then home - obesity is not the issue. My husband and I have been struggling to get back on our feet while we try to keep the electricity on at the house - and keep the house. He works full time - and would then come home and take care of me, or our house - it was under contstruction when all this started (it still needs new wiring and a roof which has been put on hold indefinetly and new siding is just a pipe dream at this point). We have been struggling, to say the least. We do not vacation. I can't tell you the last time we went to a movie. We don't smoke or drink. We have really had a "bit" of hard luck and are working just as hard to correct it. Americredit had been calling my husband 6-8 times in a day. We do not know if it is in response to my originally e-mail that they have quit calling, or if you are going to come get the pickup. Any assistance you can give us will help us greatly - at least with the calls to stop until we get our tax return in. I work at a dairy now at $10.00 an hour Monday - Thursday. My husband is David Baker and I am Monica Baker, our account # is listed in the Subject line. We can be reached here or xxxxxxxxx.Question? Is it possible to get a lower interest rate, and in effect lower payments? When we call...the only help we have received was the deferment - which at that time was helpful, but only a temporary solution. Will we be able to make our payments on time and stay current once we get caught - according to our budget, absolutely - as long as I don't have to have another surgery or have another heart attack or the doctors decide there is something else wrong with me to where I miss further work. Which, I do seem to be doing better each day.Thank you for your help!
Billcoll01
MESA,#3Consumer Comment
Tue, December 30, 2008
THAT EVERYTIME SOMEONE MAKES A COMMENT ON HERE THAT THE OP DOES NOT AGREE WITH, THE OP ALWAYS ASSUMES THAT THE PERSON WORKS FOR THE COMPANY OR AN AFFILIATED POSITION?
Riko
KENT,#4Author of original report
Tue, December 30, 2008
Robert you must work for a loan company or are in sales. The statement made by the loan company is inaccurate, that is why I am refutting it. When you file a bankruptcy and you decide to keep something like a vehicle, you sign a reaffirmation agreement in which I did but for some reason they could not suddently locate. Ok so no proof of reaffirmation. You don't have numbers right and that is because it is confusing just as you said. I give u points for that but who has time to read a book??? The bottom line is that they made an agreement with me. I paid 1300.00 and two weeks later they decide to repo my car at my place of employment one day prior to my pay date the day I was to make final payment of 465.00. Did I mention that they repo my car in the evening so that I could not contact the BK department in Texas. Did I mention that I the following morning I offered them 1000.00 the day I was to pay them and they denied payment because the amt owed increased to over 1600.00. Did I mention that my medication was in my car and I could not have access until I paid fees but luckily the repo company were willing to work with me on the fees. There were many conversations between AC and myself. I failed to mention that the dealership that sold me the car no longer exist (that is another story). Thank you for the second opinion and giving me something to reconsider.
Robert
Irvine,#5Consumer Comment
Sun, December 28, 2008
Okay trying to make sense of this. The main point seems to be that you Declared Bankruptcy because of financial troubles. You were delinquent on your car loan, and still having finanical troubles. You eventually made an agreement to pay $1500 on Nov 11th, and the remaining approx $250 by Nov 25th. You paid the $1500 as agreed but were short on the other payment only paying $100. Since you failed to abide by the agreement they decided to reposess the vehicle on Dec 4th. Once they Repossess it you are also resposible for Towing and Storage. Then at some point it seems like you asked for the money you paid them back. You seem to have some misconceptions of Bankruptcy. If you are in Bankruptcy that does not mean you don't have to pay on your secured loans. If you are delinquent they can reposess your vehicle in BK or not. Any money you pay them for being delinquent is theirs once you pay it. They are under no legal obligation to give it back. Unless you filed BK on your own. Which would have been very dumb, since you seem to be missing some basic concepts of financing and the regulations. Your lawyer should have gone over all of this with you and kept you from making any mistakes. Other than the scheme it seems you were trying to pull please explain where the RipOff is.
Riko
KENT,#6Author of original report
Sun, December 28, 2008
Sups name was Joanna not Jeanie. I apologize.