Complaint Review: CRESCENT BANK AND TRUST - NEW ORLEANS Louisiana

When you signed your loan contract were there any clauses stating you could be late for any number of reasons no there aren't. You have a 10 day grace period that is allowed by law and no more the rest is up to bank policy. The employees you were working with are only doing thier jobs enforcing the policy I understand your frustration and I as I said in my earlier post we work with our members who have problems but you posted like you were entitled to be late. You post on a rip off report that because your bank didn't allow you to be late they had ripped you off when you in fact are ripping them off by not making your payment on time. Explain to me how it is rude and unproffessional for the employees to inform you that because of your delinquency they can repossess your car? Noone wants your first born just the money you borrowed. Of course there is a very simple solution to the problem - pay your loan note on time and you will never have to deal with those employees again.

NUMBER ONE. I HAVE TALKED TO THIS BANK ON SEVERAL OCCASIONS AND HAVE TALKED TO PEOPLE LIKE YOU DO NOT UNDERSTAND. YOU HAVE A HEART OF CEMENT. THIS IS MY FIRST NOTICE FOR THE REPO AND THE BANK HAD ALL MY INFORMATION WRONG ON MY DATA SHEET. THE EMPLOYEES WERE VERY NASTY BECACUSE THEY THOUGHT I DID NOT GET IN CONTRACT WITH THE BANK WHEN THEY WEREN'T COMMUNICATING WITH OTHER EMPLOYEES. NO!!!I DON'T WANT A BOO h*o SYMPATHY. UNDERSTAND I WANT THEM TO WORK WITH ME. THEY WOULD NOT GIVE ME PAYMENT ARRANGEMNETS. THIS WAS ONLY 30 DAYS LATE WITH A 10DAY GRACE PERIOD . I KNOW THE LAW AND SOMETIMES YOU GUYS ARE VERY UNREASONALBE. CORRECTION MY CAR IS NOT REPO I SAID I GOT A CALL FOR THE BANK AND THEY SAID THAT IT WILL BE IN REPO. I HAVE MY CAR. THIS WEB-SITE IS FOR PEOPLE LIKE ME MAKING PEOPLE, AWARE OF PEOPLE LIKE YOU. I HOPE YOU HAVE YOUR JOB FOREVER. BECAUSE YOU NEVER KNOW, YOU MIGHT BE IN OUR SHOES ONE DAY!!!!THANKS FOR THE LUCK BUT, I DON'T NEED IT FROM YOU!!!!HAVE A PERFECT LIFE WITH YOUR SILVER SPOON!!! THE END!!!!

NUMBER ONE. I HAVE TALKED TO THIS BANK ON SEVERAL OCCASIONS AND HAVE TALKED TO PEOPLE LIKE YOU DO NOT UNDERSTAND. YOU HAVE A HEART OF CEMENT. THIS IS MY FIRST NOTICE FOR THE REPO AND THE BANK HAD ALL MY INFORMATION WRONG ON MY DATA SHEET. THE EMPLOYEES WERE VERY NASTY BECACUSE THEY THOUGHT I DID NOT GET IN CONTRACT WITH THE BANK WHEN THEY WEREN'T COMMUNICATING WITH OTHER EMPLOYEES. NO!!!I DON'T WANT A BOO h*o SYMPATHY. UNDERSTAND I WANT THEM TO WORK WITH ME. THEY WOULD NOT GIVE ME PAYMENT ARRANGEMNETS. THIS WAS ONLY 30 DAYS LATE WITH A 10DAY GRACE PERIOD . I KNOW THE LAW AND SOMETIMES YOU GUYS ARE VERY UNREASONALBE. CORRECTION MY CAR IS NOT REPO I SAID I GOT A CALL FOR THE BANK AND THEY SAID THAT IT WILL BE IN REPO. I HAVE MY CAR. THIS WEB-SITE IS FOR PEOPLE LIKE ME MAKING PEOPLE, AWARE OF PEOPLE LIKE YOU. I HOPE YOU HAVE YOUR JOB FOREVER. BECAUSE YOU NEVER KNOW, YOU MIGHT BE IN OUR SHOES ONE DAY!!!!THANKS FOR THE LUCK BUT, I DON'T NEED IT FROM YOU!!!!HAVE A PERFECT LIFE WITH YOUR SILVER SPOON!!! THE END!!!!

NUMBER ONE. I HAVE TALKED TO THIS BANK ON SEVERAL OCCASIONS AND HAVE TALKED TO PEOPLE LIKE YOU DO NOT UNDERSTAND. YOU HAVE A HEART OF CEMENT. THIS IS MY FIRST NOTICE FOR THE REPO AND THE BANK HAD ALL MY INFORMATION WRONG ON MY DATA SHEET. THE EMPLOYEES WERE VERY NASTY BECACUSE THEY THOUGHT I DID NOT GET IN CONTRACT WITH THE BANK WHEN THEY WEREN'T COMMUNICATING WITH OTHER EMPLOYEES. NO!!!I DON'T WANT A BOO h*o SYMPATHY. UNDERSTAND I WANT THEM TO WORK WITH ME. THEY WOULD NOT GIVE ME PAYMENT ARRANGEMNETS. THIS WAS ONLY 30 DAYS LATE WITH A 10DAY GRACE PERIOD . I KNOW THE LAW AND SOMETIMES YOU GUYS ARE VERY UNREASONALBE. CORRECTION MY CAR IS NOT REPO I SAID I GOT A CALL FOR THE BANK AND THEY SAID THAT IT WILL BE IN REPO. I HAVE MY CAR. THIS WEB-SITE IS FOR PEOPLE LIKE ME MAKING PEOPLE, AWARE OF PEOPLE LIKE YOU. I HOPE YOU HAVE YOUR JOB FOREVER. BECAUSE YOU NEVER KNOW, YOU MIGHT BE IN OUR SHOES ONE DAY!!!!THANKS FOR THE LUCK BUT, I DON'T NEED IT FROM YOU!!!!HAVE A PERFECT LIFE WITH YOUR SILVER SPOON!!! THE END!!!!

NUMBER ONE. I HAVE TALKED TO THIS BANK ON SEVERAL OCCASIONS AND HAVE TALKED TO PEOPLE LIKE YOU DO NOT UNDERSTAND. YOU HAVE A HEART OF CEMENT. THIS IS MY FIRST NOTICE FOR THE REPO AND THE BANK HAD ALL MY INFORMATION WRONG ON MY DATA SHEET. THE EMPLOYEES WERE VERY NASTY BECACUSE THEY THOUGHT I DID NOT GET IN CONTRACT WITH THE BANK WHEN THEY WEREN'T COMMUNICATING WITH OTHER EMPLOYEES. NO!!!I DON'T WANT A BOO h*o SYMPATHY. UNDERSTAND I WANT THEM TO WORK WITH ME. THEY WOULD NOT GIVE ME PAYMENT ARRANGEMNETS. THIS WAS ONLY 30 DAYS LATE WITH A 10DAY GRACE PERIOD . I KNOW THE LAW AND SOMETIMES YOU GUYS ARE VERY UNREASONALBE. CORRECTION MY CAR IS NOT REPO I SAID I GOT A CALL FOR THE BANK AND THEY SAID THAT IT WILL BE IN REPO. I HAVE MY CAR. THIS WEB-SITE IS FOR PEOPLE LIKE ME MAKING PEOPLE, AWARE OF PEOPLE LIKE YOU. I HOPE YOU HAVE YOUR JOB FOREVER. BECAUSE YOU NEVER KNOW, YOU MIGHT BE IN OUR SHOES ONE DAY!!!!THANKS FOR THE LUCK BUT, I DON'T NEED IT FROM YOU!!!!HAVE A PERFECT LIFE WITH YOUR SILVER SPOON!!! THE END!!!!

I am a Collections manager for a Credit Union and I wanted to respond and let you know how it works because you seem to be blaming the bank for your tragedies in life. Where I work if a member is delinquent 21 days we issue a repo notice giving you another 21 days to bring the loan current or we reposses the car. Once a loan has 3 repo notices we can and will pick up the car without notice and you are responsible to pay the balance of the loan. We only issue a notice if the member ignores letters and phone calls. If there is a problem with a member being able to make the payment we expect that member to call as soon as possible so we can make payment arrangements. We are not mind readers there is no way for us to know why your not paying for all we know you have skipped with our collateral because you havent called. When you applied for the loan did you ask what collections policy was? Did you have to wait 30 days to recieve your loan, propably not so why should the bank have to wait 30 days for your payment - you signed a contract promising to pay on the date specified - if you are 1 day late you are in default and the bank has every right to take the collateral. Everyone has problems - the bank doesn't care what your problems are - do you have any idea how many times a day we have to listen to boohoo stories after a car has been repossessed - too litte too late - Be the responsible adult and pick up the phone and let them know whats going on they appreciate that more than you calling when its 30 days late. Good Luck

I am a Collections manager for a Credit Union and I wanted to respond and let you know how it works because you seem to be blaming the bank for your tragedies in life. Where I work if a member is delinquent 21 days we issue a repo notice giving you another 21 days to bring the loan current or we reposses the car. Once a loan has 3 repo notices we can and will pick up the car without notice and you are responsible to pay the balance of the loan. We only issue a notice if the member ignores letters and phone calls. If there is a problem with a member being able to make the payment we expect that member to call as soon as possible so we can make payment arrangements. We are not mind readers there is no way for us to know why your not paying for all we know you have skipped with our collateral because you havent called. When you applied for the loan did you ask what collections policy was? Did you have to wait 30 days to recieve your loan, propably not so why should the bank have to wait 30 days for your payment - you signed a contract promising to pay on the date specified - if you are 1 day late you are in default and the bank has every right to take the collateral. Everyone has problems - the bank doesn't care what your problems are - do you have any idea how many times a day we have to listen to boohoo stories after a car has been repossessed - too litte too late - Be the responsible adult and pick up the phone and let them know whats going on they appreciate that more than you calling when its 30 days late. Good Luck

I am a Collections manager for a Credit Union and I wanted to respond and let you know how it works because you seem to be blaming the bank for your tragedies in life. Where I work if a member is delinquent 21 days we issue a repo notice giving you another 21 days to bring the loan current or we reposses the car. Once a loan has 3 repo notices we can and will pick up the car without notice and you are responsible to pay the balance of the loan. We only issue a notice if the member ignores letters and phone calls. If there is a problem with a member being able to make the payment we expect that member to call as soon as possible so we can make payment arrangements. We are not mind readers there is no way for us to know why your not paying for all we know you have skipped with our collateral because you havent called. When you applied for the loan did you ask what collections policy was? Did you have to wait 30 days to recieve your loan, propably not so why should the bank have to wait 30 days for your payment - you signed a contract promising to pay on the date specified - if you are 1 day late you are in default and the bank has every right to take the collateral. Everyone has problems - the bank doesn't care what your problems are - do you have any idea how many times a day we have to listen to boohoo stories after a car has been repossessed - too litte too late - Be the responsible adult and pick up the phone and let them know whats going on they appreciate that more than you calling when its 30 days late. Good Luck

YOU ARE EVIDENTLY ONE OF THE SOB'S. I HAVE HAD A TRAGIC PAST AND IF YOU CAN'T UNDERSTAND THE CONSUMERS FEELINGS YOU NEED TO SEEK SOME FORM OF HELP. IT WAS A TYPE OVER. IT WAS DECEMBER 2003 THAT I PURCHASED MY CAR.THAT MAKES IT ONE YEAR SIX MONTHS.PRAY TO GOD YOU DON'T HAVE ANYTHING TRAGIC THAT HAPPENS TO YOU. YOU MUST WAS BORN WITH A SILVER SPOON UP YOUR BUTT!!!UNTIL YOU CAN UNDERSTAND OTHERS AND THE CIRCUMSTANCES IN THIER LIFE!!!GET ONE!!!!

1) If the purchase was made on 12/31/04, then including this month, the most you could have been current is 7 months. 2) By your own admission, you are 30 days behind on a B or C rated car note. 3) Nowhere in your report does it show that you've done ANYTHING to cure your delinquency, nor that you called the lender BEFORE you defaulted to make some kind of arrangement. Basically, you have shot your credit all to hell, and haven't learned your lesson. You waited until the collections department HAD to call you, and remind you that if you DONT pay on time then the collateral (the vehicle) will be repossesed. Apparently, basic math isn't your strong suit (Dec 2004 to Aug 2005 isn't even 1 year!) but you want to be coddled as if YOU and not the loan company is the VICTIM in this situation. Grow up...pay your bills on time, then you wouldn't have to be treated so "poorly" because you wouldn't be screwing companies out of money that YOU signed a contract for.