Complaint Review: TIDEWATER FINANCE MOTOR CREDIT STAY AWAY IM SUING -

The same thing here only Tidewater online account was down and locked us out of it so after 3 months of attempting to contact them they finally reached out to me I let Cynthia Milling key know that the account was locked she put me on a brief hold then come back on the line to let me know that she was not aware of this and gave me an updated account information login info and told me that we were required to pay 3 months immediately or the vehicle will be repossessed I told them that as a working father 3 and my wife working full-time we cannot afford three payments but would be willing to pay 1 so we attempted to make one payment which they were okay with but unfortunately it would still not allowed in your account just a message that read contact customer service upon contacting customer service the agreement changed and they told us that we had to pay the full 3 months immediately not to mention for almost a year they were charging us an additional $31 a month stating that we did not have insurance and I sent them the Declarations page for my insurance four separate times and they still stated that they did not receive it and I was still responsible to pay the difference and they would not going to refund it and that if we did not pay it they would send their repossession Specialists out to pick up the vehicle even though I was attempting to work with them on the payment I received no contact for nearly a month because the last communication between us was that they would get back with me once they got the situation figured out only to my surprise waking up this past Saturday with the repossession officer picking up my vehicle and informing me that Tidewater let them know I was not allowed to take my belongings out of the vehicle that they now belong to Tidewater and that they probably would not be in there when I got the car back and not only did the repossession officer come illegally onto my property and breach of peace he did not give me any information nor did he give me any paperwork he just took the car and left and I gave him the keys all he told me was that I could call that Saturday make a payment of the past due amount for 3 months which totaled $1,600 because of the late payment late fees and the insurance fee I inform him that the insurance has been paid and then it's up to date he told me to take it up with Tidewater he also refused to give me any information about where the car would be located I called Saturday morning after the car was taken and Tidewater Finance told me that they would put in a request for a supervisor to call me back Monday morning Monday morning came around no one called me so I called Tidewater they let me know that the vehicle was not in the system that they repossessed a lot of cars that past Saturday and did not know when they would get to my vehicle and that when I informed them of the breach of peace they said that they do not care about the laws where I live that they are from Virginia and I must abide by their law and they don't have a breach of peace by the way I record every single phone call that I make and receive so I have that in recording so I waited a little longer and called back to talk to a gentleman who was willing to help and he told me that my vehicle would be processed and I would know something by 4 p.m. I waited until around 3:30 and called only to be greeted and told that they would not have an answer until today at 2 p.m. I asked them about their intentions with the vehicle along with the amount of the storage fee that I'm being charged for the vehicle to sit and about their refund for the difference of the insurance and they informed me they do not know how much the storage fee is and I told them that I could pay the $1,600 past due amount as long as they adjusted and refunded me the 281 difference for the insurance and she giggled and said that that's not going to save you because the repossession fee is going to be a couple thousand I asked her that where I live you are supposed to get a chance for Redemption and it. To pay up the balance and get the car back she informed me that even if I pay the car up I probably would not get my car back or any of my belongings out of it I asked about their intentions were they going to private or publicly sell it and she informed me that they would let me know that in writing in the next couple of months meanwhile I cannot go to work because I do not have a vehicle I pay my bills I always have this is the first vehicle I've ever had repossessed and I asked her why there was an open case of them being sued for this exact scenario and she promptly hung up on me so I called directly back to speak to another one and I could hear the woman talking in the background saying that do not transfer them to me I don't want to talk to them and after I faxed someone finally told me they received my insurance and that they called my insurance company and my insurance company said it was cancelled I called my insurance company to verify they informed me that no one called and I had set up a scheduled payment date or the 27th for the insurance to be paid and it was not cancelled as of that phone call so again they lied not to mention that my main intention is to pay off this vehicle and get rid of it and get away from this Finance Company because when my payments would be a few days late I would always call them a few days ahead of time to let them know and then mediately after it was past due just one day the harassing phone calls started I would receive anywhere between 12 to 14 phone calls starting from 6 a.m. all the way to 1 a.m. in the morning along with them calling my wife my mother-in-law my mother my sister my wife's brother and even at one point attempted to contact the school where my children attend when I used to call them back and ask them why they were so adamant about this and so harassing they informed me it's our money and we need it even though I had a payment arrangement scheduled and they did inform me that it would be easier for electronic funds transfer but unfortunately the first time I tried that they deducted my account for nearly $2,000 and it took me telling a supervisor I was ready to drive to Virginia considering they were only 5 hours from where I live to get this corrected and I was promptly refunded so as it sits 5:38 a.m. on Tuesday April 12th I am without car and the only knowledge that I've been told about it is that I will not receive any information about the vehicle or told anything about it until 2 p.m. and that has to do with the payment and what I have to do to get it back but I will not be told what will happen to the vehicle I was also informed that I am not allowed to take any of my personal belongings out of the vehicle or that I would be sued for taking their property away they even kept a stereo system that belongs 2 + Audio company in Florida that I have on contract for sound competitions as they are my sponsors and I was informed and told that well they belong to us now I even asked them if I could take my ammunition as well as one of my firearms out of the vehicle and they told me know but that belongs to them also mind you I am only three months behind because of their account issue on their online website payment along with their inept ability to correct the insurance billing issue so I'm paying for insurance double and their policy is 412 months and it is $12,500 they're saying they're going to add an additional $1,300 to my monthly payment after I get the car back if I get the car back if anyone could help me I would greatly appreciate it I am in DIRE NEED OF ASSISTANCE. Also I would like to add that the vehicle that they repossessed and form them that it has been recalled due to a malfunction in the transmission system 3 Ford as well as the dealership that sold it to me put a logo on it that said titanium and they advertise it to the finance company as a 2012 Ford Focus Titanium when it is just a Ford Focus SE hatchback they altered the vehicles looks