Complaint Review: FORD MOTOR CREDIT - Nationwide

I JUST WANTED TO SAY THANK YOU FOR YOUR WORDS OF WISDOM AND YOUR INPUT ON THE SITUATION. YOU SOUND LIKE A HIGHLY EDUCATED MAN. I AM GOING TO DEFINITELY NEED ALL OF THE LUCK THAT I CAN GET WITH THIS LAWSUIT AND HOPEFULLY MANY MORE PEOPLE WILL JOIN THE SUIT. HAVE A GOOD NEW YEARS.

I agree it's hard to find a reliable used car. Many private parties sell a car because it's junk, and they don't need the repair bills. If you could find a decent used car, it would be cheaper, overall. A new car monthly payment may actually be less, but the loan stretches out a long time. Overall, new always costs more. And, you're right about two incomes being the minimum needed to exist here. In fact, many people are selling out and moving to Arizona. They can buy twice the home for half the money there. Southern California real estate is just crazy. The cost of everything else is affordable. It's just the d**n housing prices that kill you. In order to save any money, you either have to earn well over $75,000 or have a home that's already paid off. Otherwise, everything is spent just to keep ahead of the bills. I agree with you on that too. And, I agree on the scare tactics. The stupid collection industry is run by numbers. They don't care how the individual collectors achieve the numbers, but money collected is the only result they look at. I agree; it's far more beneficial to work with people than to scream at them or scare them to death. What a terrible industry that would choose to do that! Perhaps you may get a settlement that exceeds the amount of your original loan. If they offer to settle with you, I'd think twice. You hear about these lawsuits. Some plaintiffs are awarded hundreds of thousands, if not millions. It works in your favor that you already suffer a stress-related illness. Plus, they screwed with your job, and your family. That's worth a five digit settlement alone! You sound a lot more reasonable in your last comment. Good luck with your suit!

Yes you are right about the used car thing, but like I said when I bough the car, I had no issues. It was acutually easier and cheaper for me to get the car from Ford than a used car lot and I needed a car to get back and forth to work. I am a single mother and I needed something reliable and with all of the issues people I know had with their used cars, I decided to go along with the Ford. A smart person might be able to save 3 to 6 months of income for minor setbacks, but the vast majority of them are not single parent households. Everyone knows California is made to have a two income household in order to survive here. Scare tactics? I was once a collector, but I would never treat people like the way I was treated. You get nowhere in life by doing that. I collected far more money being understanding and trying to help people with their situations than the people who did such nasty things as Ford Credit. Fortunately, I do not use credit besides my car loan. I would have never gotten behind if my disability check had not been delayed, but it happened and that is where I ended up. As far as the letter goes, I have a Consumer rights Attorney and we are going to sue Ford and All-Cal Adjusters simply because they violated numerous consumer laws....Fortunately, the people were stupid enough to leave violating messages on my answering machine. If they were smart, they would have known better than that. Too many people let Ford get away with it and I am not going to, especially since my job is in jeapordy because of the lies. I am pretty sure there are hundreds of people who experienced what I have and they are just scared to do something or they don't know what to do. Fighting is definitely worth the battle when your livelyhood is at stake.

Yes you are right about the used car thing, but like I said when I bough the car, I had no issues. It was acutually easier and cheaper for me to get the car from Ford than a used car lot and I needed a car to get back and forth to work. I am a single mother and I needed something reliable and with all of the issues people I know had with their used cars, I decided to go along with the Ford. A smart person might be able to save 3 to 6 months of income for minor setbacks, but the vast majority of them are not single parent households. Everyone knows California is made to have a two income household in order to survive here. Scare tactics? I was once a collector, but I would never treat people like the way I was treated. You get nowhere in life by doing that. I collected far more money being understanding and trying to help people with their situations than the people who did such nasty things as Ford Credit. Fortunately, I do not use credit besides my car loan. I would have never gotten behind if my disability check had not been delayed, but it happened and that is where I ended up. As far as the letter goes, I have a Consumer rights Attorney and we are going to sue Ford and All-Cal Adjusters simply because they violated numerous consumer laws....Fortunately, the people were stupid enough to leave violating messages on my answering machine. If they were smart, they would have known better than that. Too many people let Ford get away with it and I am not going to, especially since my job is in jeapordy because of the lies. I am pretty sure there are hundreds of people who experienced what I have and they are just scared to do something or they don't know what to do. Fighting is definitely worth the battle when your livelyhood is at stake.

Yes you are right about the used car thing, but like I said when I bough the car, I had no issues. It was acutually easier and cheaper for me to get the car from Ford than a used car lot and I needed a car to get back and forth to work. I am a single mother and I needed something reliable and with all of the issues people I know had with their used cars, I decided to go along with the Ford. A smart person might be able to save 3 to 6 months of income for minor setbacks, but the vast majority of them are not single parent households. Everyone knows California is made to have a two income household in order to survive here. Scare tactics? I was once a collector, but I would never treat people like the way I was treated. You get nowhere in life by doing that. I collected far more money being understanding and trying to help people with their situations than the people who did such nasty things as Ford Credit. Fortunately, I do not use credit besides my car loan. I would have never gotten behind if my disability check had not been delayed, but it happened and that is where I ended up. As far as the letter goes, I have a Consumer rights Attorney and we are going to sue Ford and All-Cal Adjusters simply because they violated numerous consumer laws....Fortunately, the people were stupid enough to leave violating messages on my answering machine. If they were smart, they would have known better than that. Too many people let Ford get away with it and I am not going to, especially since my job is in jeapordy because of the lies. I am pretty sure there are hundreds of people who experienced what I have and they are just scared to do something or they don't know what to do. Fighting is definitely worth the battle when your livelyhood is at stake.

Yes you are right about the used car thing, but like I said when I bough the car, I had no issues. It was acutually easier and cheaper for me to get the car from Ford than a used car lot and I needed a car to get back and forth to work. I am a single mother and I needed something reliable and with all of the issues people I know had with their used cars, I decided to go along with the Ford. A smart person might be able to save 3 to 6 months of income for minor setbacks, but the vast majority of them are not single parent households. Everyone knows California is made to have a two income household in order to survive here. Scare tactics? I was once a collector, but I would never treat people like the way I was treated. You get nowhere in life by doing that. I collected far more money being understanding and trying to help people with their situations than the people who did such nasty things as Ford Credit. Fortunately, I do not use credit besides my car loan. I would have never gotten behind if my disability check had not been delayed, but it happened and that is where I ended up. As far as the letter goes, I have a Consumer rights Attorney and we are going to sue Ford and All-Cal Adjusters simply because they violated numerous consumer laws....Fortunately, the people were stupid enough to leave violating messages on my answering machine. If they were smart, they would have known better than that. Too many people let Ford get away with it and I am not going to, especially since my job is in jeapordy because of the lies. I am pretty sure there are hundreds of people who experienced what I have and they are just scared to do something or they don't know what to do. Fighting is definitely worth the battle when your livelyhood is at stake.

Yes, I agree, it's wrong to scare someone with a fake arrest threat. But, here's why that happens. American is stretched out to the breaking point with credit. Many people are just treading water. They're not making a dent in repaying their principal. They're just covering the interest. Then, there are those who are slipping behind on payments. Now, imagine you are a collection agent. You got this woman on the phone. She owes many debts, but has only enough to pay a few of them. How can Ford move to the top of the payment list? Easy! Fake arrest threats. Scare the hell out of somebody. Then, they'll hock their jewelry just to make the car payment. Sometimes, that's the only way to get the money. People are running right on the edge. Many times, you need to scare them into selling something before they can pay you. The threat of arrest does that. Is it right? No. Moral? Again, no. But, will it work? Yes. It gets money out of people who otherwise wouldn't pay. Think companies will stop using these threats? I doubt it. There's too much money at stake here. Personal bankruptcies are up to record highs. Collection agencies are working double-time to keep all the debtors on the payment plan. This is the state of the American economy right now. Minor setback, you say? Smart people keep 3 to 6 months of expenses stored away in a savings account, just for these types of setbacks. Insist on a car? Try used instead of new. Spend $5,000 instead of $25,000. Sure, it may have some small dents. And, the new car smell left for good many years ago. But, it will still do the job just fine. That's all that really matters. Yes, you can blame Ford or Bank of America if you like. Send all the nasty letters you want. I don't know how much good it will do. All they really will accept is money, not angry letters. In the end, most people agree that it really wasn't worth all the stress and extra fees they had to pay. Credit always costs you money. It doesn't let you be everywhere you want to be. Anytime you use credit you have to give up part of your money for interest. That leaves you with less to pay for the things you really need in life. As a rule, avoid credit whenever possible. If you absolutely have no choice, take out the smallest loan that you can. And, repay it as quickly as you can. Keep your interest losses to the absolute minimum. And, for god's sake, avoid getting yourself so deeply in debt that that the collection agents end up having your number programmed in speed dial.

Yes, I agree, it's wrong to scare someone with a fake arrest threat. But, here's why that happens. American is stretched out to the breaking point with credit. Many people are just treading water. They're not making a dent in repaying their principal. They're just covering the interest. Then, there are those who are slipping behind on payments. Now, imagine you are a collection agent. You got this woman on the phone. She owes many debts, but has only enough to pay a few of them. How can Ford move to the top of the payment list? Easy! Fake arrest threats. Scare the hell out of somebody. Then, they'll hock their jewelry just to make the car payment. Sometimes, that's the only way to get the money. People are running right on the edge. Many times, you need to scare them into selling something before they can pay you. The threat of arrest does that. Is it right? No. Moral? Again, no. But, will it work? Yes. It gets money out of people who otherwise wouldn't pay. Think companies will stop using these threats? I doubt it. There's too much money at stake here. Personal bankruptcies are up to record highs. Collection agencies are working double-time to keep all the debtors on the payment plan. This is the state of the American economy right now. Minor setback, you say? Smart people keep 3 to 6 months of expenses stored away in a savings account, just for these types of setbacks. Insist on a car? Try used instead of new. Spend $5,000 instead of $25,000. Sure, it may have some small dents. And, the new car smell left for good many years ago. But, it will still do the job just fine. That's all that really matters. Yes, you can blame Ford or Bank of America if you like. Send all the nasty letters you want. I don't know how much good it will do. All they really will accept is money, not angry letters. In the end, most people agree that it really wasn't worth all the stress and extra fees they had to pay. Credit always costs you money. It doesn't let you be everywhere you want to be. Anytime you use credit you have to give up part of your money for interest. That leaves you with less to pay for the things you really need in life. As a rule, avoid credit whenever possible. If you absolutely have no choice, take out the smallest loan that you can. And, repay it as quickly as you can. Keep your interest losses to the absolute minimum. And, for god's sake, avoid getting yourself so deeply in debt that that the collection agents end up having your number programmed in speed dial.

Yes, I agree, it's wrong to scare someone with a fake arrest threat. But, here's why that happens. American is stretched out to the breaking point with credit. Many people are just treading water. They're not making a dent in repaying their principal. They're just covering the interest. Then, there are those who are slipping behind on payments. Now, imagine you are a collection agent. You got this woman on the phone. She owes many debts, but has only enough to pay a few of them. How can Ford move to the top of the payment list? Easy! Fake arrest threats. Scare the hell out of somebody. Then, they'll hock their jewelry just to make the car payment. Sometimes, that's the only way to get the money. People are running right on the edge. Many times, you need to scare them into selling something before they can pay you. The threat of arrest does that. Is it right? No. Moral? Again, no. But, will it work? Yes. It gets money out of people who otherwise wouldn't pay. Think companies will stop using these threats? I doubt it. There's too much money at stake here. Personal bankruptcies are up to record highs. Collection agencies are working double-time to keep all the debtors on the payment plan. This is the state of the American economy right now. Minor setback, you say? Smart people keep 3 to 6 months of expenses stored away in a savings account, just for these types of setbacks. Insist on a car? Try used instead of new. Spend $5,000 instead of $25,000. Sure, it may have some small dents. And, the new car smell left for good many years ago. But, it will still do the job just fine. That's all that really matters. Yes, you can blame Ford or Bank of America if you like. Send all the nasty letters you want. I don't know how much good it will do. All they really will accept is money, not angry letters. In the end, most people agree that it really wasn't worth all the stress and extra fees they had to pay. Credit always costs you money. It doesn't let you be everywhere you want to be. Anytime you use credit you have to give up part of your money for interest. That leaves you with less to pay for the things you really need in life. As a rule, avoid credit whenever possible. If you absolutely have no choice, take out the smallest loan that you can. And, repay it as quickly as you can. Keep your interest losses to the absolute minimum. And, for god's sake, avoid getting yourself so deeply in debt that that the collection agents end up having your number programmed in speed dial.

First let me say this. People need to have a car idiot. When I purchased the car I was more than able to pay for it. It wasn't a matter of where the money was going to come from. Second, you act like people don't have situations in their life that causes a minor setback, but I guess you are one of those Holy-er than Thou people huh? Anyways, my disablility was not forseen. And this will not prevent me from getting credit in the future. I have worked in the finance industry long enough to know that being 60 days del is not going to affect me if everything else is good. But, the real reason I am responding is this: FORD IS RESPONSIBLE AND THE LETTER DOES NOT MAKE ME LOOK FOOLISH. There is a way to handle things by the laws and all of their people, except for one, violated those laws. There is a reason that the Federal Trade Commission sets these rules and regulations and Ford has overstepped their boundaries. If consumers allow them to keep getting away with it then Ford will continue to play unfair. Although the part selling was a good idea, I am not that type of person. There is no need to do that because I still have my car, it did not get repossessed because the people at Ford were lying all through their teeth, but Dennis helped me out a lot by going against the grain.

First let me say this. People need to have a car idiot. When I purchased the car I was more than able to pay for it. It wasn't a matter of where the money was going to come from. Second, you act like people don't have situations in their life that causes a minor setback, but I guess you are one of those Holy-er than Thou people huh? Anyways, my disablility was not forseen. And this will not prevent me from getting credit in the future. I have worked in the finance industry long enough to know that being 60 days del is not going to affect me if everything else is good. But, the real reason I am responding is this: FORD IS RESPONSIBLE AND THE LETTER DOES NOT MAKE ME LOOK FOOLISH. There is a way to handle things by the laws and all of their people, except for one, violated those laws. There is a reason that the Federal Trade Commission sets these rules and regulations and Ford has overstepped their boundaries. If consumers allow them to keep getting away with it then Ford will continue to play unfair. Although the part selling was a good idea, I am not that type of person. There is no need to do that because I still have my car, it did not get repossessed because the people at Ford were lying all through their teeth, but Dennis helped me out a lot by going against the grain.

First let me say this. People need to have a car idiot. When I purchased the car I was more than able to pay for it. It wasn't a matter of where the money was going to come from. Second, you act like people don't have situations in their life that causes a minor setback, but I guess you are one of those Holy-er than Thou people huh? Anyways, my disablility was not forseen. And this will not prevent me from getting credit in the future. I have worked in the finance industry long enough to know that being 60 days del is not going to affect me if everything else is good. But, the real reason I am responding is this: FORD IS RESPONSIBLE AND THE LETTER DOES NOT MAKE ME LOOK FOOLISH. There is a way to handle things by the laws and all of their people, except for one, violated those laws. There is a reason that the Federal Trade Commission sets these rules and regulations and Ford has overstepped their boundaries. If consumers allow them to keep getting away with it then Ford will continue to play unfair. Although the part selling was a good idea, I am not that type of person. There is no need to do that because I still have my car, it did not get repossessed because the people at Ford were lying all through their teeth, but Dennis helped me out a lot by going against the grain.

Monique, Monique, Monique! How do people get themselves into these jams? First, you bought the cheapest car they make. And, you still can't pay for it? Sounds like you need to think used next time. Rule #1-Don't agree to buy something if you don't see where the money is going to come from. Buy a used car. They offer way better value anyway. Next, why are you sending a letter to the executives at Ford? It's not their problem! You're the one who can't afford to pay for the car you bought. Letter like that make you look foolish. You owe them money, Monique. You're behind on your payments. What are they supposed to do? If stress keeps you from earning a living, then stop buying stuff on credit. Trust me, your credit days are just about over anyway. Once you get behind on payments like this, nobody will give you new credit. So, all that's left to do is figure out how to pay for your car. That's assuming it hasn't already been repossessed. Don't believe the lies about arrest. That's a scare tactic to get you to pay. If you want to get them back for that, part the d**n thing out. Sell everything except the body shell. That's what I'd do. That'll teach them to be nicer next time. Give the car back. It's obvious that you can't afford it. Buy a used car from a private party. Pay cash. Stop borrowing all kinds of money you can't afford to pay back. You want less stress in life? Stay the hell away from the credit companies. Learn to live on the money you earn each week. Once you figure this out, you'll be surprised how smoothly life goes for you.