Jim
Orlando,#2Consumer Comment
Sat, February 05, 2011
YOU freely admit YOU were late with a payment. Did you contact them and tell them what was going on? Did you actually talk to them when they started the collection process which, by the way, you started because you were late?
It probably won't matter to you but for the benefit of others...YOU signed a contract to make each and every payment on time. There are no acceptable excuses. All they want is their money, which YOU agreed to pay on time, every time. YOU failed to live up to that agreement by being late. Being one day late is still late as is anything "less than 30 days". They exercized their right under the contract to repo the car. You did not mention what contact you had with them. What should have been done is you calling them as soon as you saw you would be late and then maybe they would have worked with you...unless you have a bad track record with them previously due to late payments.