Connie
Spring,#2Consumer Comment
Fri, August 19, 2005
I financed a Mustang in 2000 when I was going through my divorce. I paid the dealer $6,000 CASH down for a 1997 Mustang conv. It was my dream car. I was living single with my 3 children and working, and had to take a 19.25% interest rate because of the divorce, etc. Anyway, if I was even one day behind on my payment, let's say it was due Thurs, and I got paid Friday, they were automatically calling me at work. Multiple calls, all day. Finally, my BRANCH MANAGER told them to stop the calls as it was disrupting my ability to work, and the company. I submitted a cease letter to them in writing, which was totally ignored. As they continued to call anytime I was a minute late with my $398 payment. They told me they could repossess my vehicle even if I was only 1 day late, and would insist I western union the payment and not mail it. I never, ever once received a statement from this company, ever. No paperwork whatsoever regarding my loan. Once, I had gotten behind when it came down to feeding my kids, or the car payment being 2 weeks late, and they actually followed me from work to my apartment and repoed the vehicle from me once I got inside. They didn't knock, call, nothing, not even giving me the chance to remove my children's belongings or carseat. I had to go to some bad part of Grand Prarie and pick it up, and pay another fee to retrieve my box of belongings. Finally, I had to pay the month I was behind and one current month to retrieve my car(the only way I had to work), so I borrowed enough from my mom.In 2002 I got behind one more time, and finally when the calls to work again started, I told the lady she didn't have to bother with sending a repo company, I'd deliver it up her fat a** to make it easier. I was so fed up. They sent someone to my job, who tailgated someone through our security gates, repoed it while I was working. I got off, found it gone, reviewed the security tape and saw it. I didn't even have a way to pick up my kids from daycare! I had it, they could keep it. I went back to trashville to pick up my belongings, Interstate Adjusters is what it was called. And, they had STOLEN 98% of my stuff! They had me write it all down and were going to 'look' for it and call me, and of course never did. So, I filed a police report, which is about as effective as writing the info. on a post it note. They didn't care. They are all trash, and harrasers. Then, a month or more later, a guy came to my apartment at 1:30 am in the morning, where I lived alone with my children saying he was there to pick up the mustang. What?! iT HAD BEEN REPOED OVER A MONTH PRIOR! I wouldn't answer the door, so he left a card on it, which I called and was voice mail for the repo company. What the hell was that about? I was so scared. They also dunned me and stuck on my credit nearly $6,000 difference they say I owed them for the difference they sold it for. Well, if I was sold it for $19,000, put all new tires, wheels, and stereo/cd system in it, why couldn't they get the principal amount or close after a little over a year? They are dishonest, harrassers, and are breaking so many laws. If any one wants to get together for a lawsuit, and our statute of limitations hasn't expired, I'm ready!I'd love to get that repo company too!