Complaint Review: Toyota Financial Services - Internet

“In court proceedings, questions are asked to bring out the truth in every matter.”

Let’s look at the facts:

You made one payment over a 7-month period and defaulted on the loan agreement.

You failed to complete and submit the deferred agreement form.

Judges were experienced attorneys before they were judges so you can expect the civil court judge to see through your smoke and mirrors.

 In court proceedings, questions are asked to bring out the truth in every matter. The reason for the second rep to decide to mail me the deferred form was because the email could not open and there is no where that in my complaint that I was celebrating a pagan Christmas like you. I don't know your level of English but as I know English is the Queen's Language and no other nation. Court don't decide cases based on how English is used but substance that is presented. You are probably an agent of TFS and that doesn't stop me from pursuing this case. For your info, this is my second vehicle I have bought from this institution. The first one was paid off a year ago and given as a gift and this is my second vehicle taken from the same institution. Thanks for your naivety given but only the court can decide who's right and who's wrong. I am surprised that people like you live in a civilized nation where justice can be pursued and won but your advice is like justice in a jungle nation.

You have no case because a verbal agreement cannot modify a written agreement. They gave you the opportunity to modify the written agreement but you failed to follow-up. Now you walk.

You stated the following the the second call from TFS.

I said I received the email but instructions say I am not to open it until after 90 days.

I regret to inform you but that is not what it said.  Per your words it stated...

"Please note that the link below will be available for 90 days; after 90 days open the attachment to view the message."

I'd give you the benefit of the doubt and the issue here is your lack of reading skills.  So what that actully stated was that you can click on the link for 90 days, after 90 days if you want to see the message you need to click on the attachment.

No where in that message did it say do not open it for 90 days.  Not only that but what purpose would it be to make you wait 90 days to even view it? This isn't Christmas, this isn't a gift under the tree.  It is a financial document that will allow you to defer your payments.  Exactly what did you think was going to happen if you opened it before the 90 days was up?   Was it going to self destruct and tell you that because you opened it they are taking the car tommorow?

I never receive the form even though I kept checking my mail daily

- Your benefit of the doubt has expired. So from the middle of July until you got the statement it never occured to you to

FOLLOW UP with them and find out why they didn't send it to you?  It never occured to you to open up the first e-mail at this point?

It sounds like they were more than willing to attempt to help you out but you did everything you could by trying to play "dumb" to try and avoid making your payments.

After all it looks like you had issues from Feburary through July where in July you were just paying the Past Due for MAY.  It then looks like you did not make a single other payment and it took them until September to actually repo it.  Many companies would have taken the car after only a month delinquent.  Some won't even let you get a couple of weeks behind.