- Report: #219424
Complaint Review: Chrysler Financial - Farmington Hills Minnesota
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Chrysler Financial
P.O.box9223 Farmington Hills, 48333-9223 Minnesota, U.S.A.
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Chrysler Financial repossessed my car after $4,000. when I made payments they didn't process for 15 to 20 days ripoff Farmington Hills Minnesota
I went through a banckruptcy in 2005from someone else using my credit cards, in dec 2005 the engine in this car went, I paid $2000 for engine $1000 to have it installed and $650 for a radiatora month later. I have bi-lateral necrosis in both hips and make 2 to 3 visits a week to a V.A. hospital. I informed them of my need for this car and they said they would work with me.
My disability is $880 a month and in the last 30 days I put $440 for fuel injectors and $375 for inspection and was ready to make a payment when I found the car was missing and called police to report it stolen.
If I were given a phone call this could have been corrected, by either letting the car sit and sending the $815 i made in repairs as 3 payments. Now they have a car with 15,000mi on the engine that I borrowed $3,000 to keep on the road for hospital appts, and I feel the payments I made for 5 years and the understanding I had with them all ment nothing. I feel like a victim for the second time in 2 years.
Raymond
chester, Pennsylvania
U.S.A.
My disability is $880 a month and in the last 30 days I put $440 for fuel injectors and $375 for inspection and was ready to make a payment when I found the car was missing and called police to report it stolen.
If I were given a phone call this could have been corrected, by either letting the car sit and sending the $815 i made in repairs as 3 payments. Now they have a car with 15,000mi on the engine that I borrowed $3,000 to keep on the road for hospital appts, and I feel the payments I made for 5 years and the understanding I had with them all ment nothing. I feel like a victim for the second time in 2 years.
Raymond
chester, Pennsylvania
U.S.A.
4 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Raymond, I think we need some more facts here
#2Consumer Suggestion
Tue, November 07, 2006
Raymond, Although I feel bad for you and your situation, some things just don't add up here. You filed a Rip Off Report against Chrysler Financial, but I fail to see how they ripped you off. And, I am also a Disabled Veteran and know for a fact that if you are indigent and/or living below the poverty level, the VA will arrange and pay for your transportation to and from your appointments. Large lenders like Chrysler Financial do not repo on the first delinquency or only being 1 payment late, unless it is not corrected by the next payment date. I know this for a fact. And I also know that they do not hold payments for 15-20 days before posting. This is illegal. Every lender I have ever dealt with processes payments by the next business day after reciept. I think the real story here is that you were at least one month behind, and/or had a pattern of being late. And, large lenders NEVER repo until they have notified you of the delinquency and what needs to be done. Their collections dept would have called you, I'm sure. Nobody can use your credit cards without your consent. And if they do, it is theft and fraud, and you are not liable for it. Simply put, you trusted the wrong person with using your credit cards. Your choice, and your responsibility. And, what does that have to do with anything pertaining to your alleged rip off? It is irrelevant. Please just stick to the facts surrounding the repo of your car as to how delinquent your payments were and your pattern of delinquency over the life of the loan.
Steve
Bradenton,Florida,
U.S.A.
Raymond, I think we need some more facts here
#3Consumer Suggestion
Tue, November 07, 2006
Raymond, Although I feel bad for you and your situation, some things just don't add up here. You filed a Rip Off Report against Chrysler Financial, but I fail to see how they ripped you off. And, I am also a Disabled Veteran and know for a fact that if you are indigent and/or living below the poverty level, the VA will arrange and pay for your transportation to and from your appointments. Large lenders like Chrysler Financial do not repo on the first delinquency or only being 1 payment late, unless it is not corrected by the next payment date. I know this for a fact. And I also know that they do not hold payments for 15-20 days before posting. This is illegal. Every lender I have ever dealt with processes payments by the next business day after reciept. I think the real story here is that you were at least one month behind, and/or had a pattern of being late. And, large lenders NEVER repo until they have notified you of the delinquency and what needs to be done. Their collections dept would have called you, I'm sure. Nobody can use your credit cards without your consent. And if they do, it is theft and fraud, and you are not liable for it. Simply put, you trusted the wrong person with using your credit cards. Your choice, and your responsibility. And, what does that have to do with anything pertaining to your alleged rip off? It is irrelevant. Please just stick to the facts surrounding the repo of your car as to how delinquent your payments were and your pattern of delinquency over the life of the loan.
Steve
Bradenton,Florida,
U.S.A.
Raymond, I think we need some more facts here
#4Consumer Suggestion
Tue, November 07, 2006
Raymond, Although I feel bad for you and your situation, some things just don't add up here. You filed a Rip Off Report against Chrysler Financial, but I fail to see how they ripped you off. And, I am also a Disabled Veteran and know for a fact that if you are indigent and/or living below the poverty level, the VA will arrange and pay for your transportation to and from your appointments. Large lenders like Chrysler Financial do not repo on the first delinquency or only being 1 payment late, unless it is not corrected by the next payment date. I know this for a fact. And I also know that they do not hold payments for 15-20 days before posting. This is illegal. Every lender I have ever dealt with processes payments by the next business day after reciept. I think the real story here is that you were at least one month behind, and/or had a pattern of being late. And, large lenders NEVER repo until they have notified you of the delinquency and what needs to be done. Their collections dept would have called you, I'm sure. Nobody can use your credit cards without your consent. And if they do, it is theft and fraud, and you are not liable for it. Simply put, you trusted the wrong person with using your credit cards. Your choice, and your responsibility. And, what does that have to do with anything pertaining to your alleged rip off? It is irrelevant. Please just stick to the facts surrounding the repo of your car as to how delinquent your payments were and your pattern of delinquency over the life of the loan.
Steve
Bradenton,Florida,
U.S.A.
Raymond, I think we need some more facts here
#5Consumer Suggestion
Tue, November 07, 2006
Raymond, Although I feel bad for you and your situation, some things just don't add up here. You filed a Rip Off Report against Chrysler Financial, but I fail to see how they ripped you off. And, I am also a Disabled Veteran and know for a fact that if you are indigent and/or living below the poverty level, the VA will arrange and pay for your transportation to and from your appointments. Large lenders like Chrysler Financial do not repo on the first delinquency or only being 1 payment late, unless it is not corrected by the next payment date. I know this for a fact. And I also know that they do not hold payments for 15-20 days before posting. This is illegal. Every lender I have ever dealt with processes payments by the next business day after reciept. I think the real story here is that you were at least one month behind, and/or had a pattern of being late. And, large lenders NEVER repo until they have notified you of the delinquency and what needs to be done. Their collections dept would have called you, I'm sure. Nobody can use your credit cards without your consent. And if they do, it is theft and fraud, and you are not liable for it. Simply put, you trusted the wrong person with using your credit cards. Your choice, and your responsibility. And, what does that have to do with anything pertaining to your alleged rip off? It is irrelevant. Please just stick to the facts surrounding the repo of your car as to how delinquent your payments were and your pattern of delinquency over the life of the loan.
