STAND FOR WHAT ISNT RIGHT
SALINAS,#2Author of original report
Sun, February 12, 2012
I comprehend and understand the acts very well.
Explained and reviewed with me.
Westlake Financial Service Violated.
It doesn't matter to me if you work for Westlake Financial Service or not.
Crystal
STAND FOR WHAT ISNT RIGHT
SALINAS,#3Author of original report
Sun, February 12, 2012
In response to the numerous reports I've read on Ripoff. A FABULOUS WEBSITE!
As a consumer currently dealing with the illegal practices of Westlake Financial Service myself. We must have a Accurate Verifiable Paper trail. Names, numbers with extensions, dates times, proof such as phone bills from both cell and land line (at work most of companies have caller ID), "we" have caller Id. Also continue to call make every effort possible to get your concern and complaint resolved. Save there messages!!!!! Always request to speak with a Manager or Supervisor.
Always take and return there calls, asking for the individual that left you the message.
Taking note and documenting each time we've talked to anyone from Westlake, wether we called them or they have called us, and the nature of the conversation. Don't avoid them answer they will continue to violate. Record them if you have to so when you do obtain counsel he knows your not B.S~n (only to show your proof of the violations)
Always request to speak with a Manager in accounts or collections. If they don"t identify themselves ask who they are, what department , there name and extension number. Document ,Document!( call from a cell or land line where you have proof you called or they have called you).
If they claim they are a investigator or repo company because your are behind in your payments. Save the message go through your phone especially if they called your cell regardless if its private... blocked. restricted, most cell phones today will give you the real number. ie. (envelope information)
Example: I returned a call to a repossession company who really was Westlake! from a message that was left on my cell. The message gave the time the call came in, I hit missed call in my cell phone to match the time of the message left, it dialed to Westlake, a female answered Repossession. In Her message left she stated she was from a Repo Company. Not Westlake Financial Service. I still have her message. (note the time I hit for the missed call that matched the time the message was left, had no number it showed private, and another time with prefix 831) In re to my previous post on my one time late in 60 days.
Verify your current account information in their data base. If its not accurate provide Westlake Financial Service with your updated information. ( This way they can not claim they mailed us something, and we us as consumers not getting it and it went back to them returned mail)
Pull a 3 and one annual credit report on yourself. It is FREE. @ www.myfreeannnualcreditreport.com
you need to know what they are reporting.
Call accounts and collections at Westlake only speaking with a manager in regards to any inaccuracy on your 3 reports. Make a request that for the inaccuracy be corrected and updated by Westlake. They put it there they can take it out and or correct it!
Call the automated system after hours is had good info. Request a credit rating, and a copy of your dealer contract. Even if you already have one. Get another one. It may be different!
Get copies of anything and everything you submitted to the dealer in order to get financed. Note: I have someone that worked in finance for dealership that was terminated that financed all their vehicles with Westlake Financial Service. He was the GM and came clean with me.
Note: Inside scoop on Westlake .
Dealerships have to pay a Substantial Service Fee to Westlake Financial Service to become "Westlake Dealers" in order for their customers to be financed with Westlake.
Also many of us can accurately state that the dealership we purchased our vehicles from stated to us "I'm positive your financed / funded" this is why. The fee the dealership pays to Westlake whether it is a major dealership or moms and pops guarantee financing to the dealership customers as long as the "reference checks go through"
Another inside scoop from two patients of mine that own dealerships. When asked about Westlake Financial Service. They also stated the very same thing the terminated employee stated. They however don't do business with Westlake due to Westlakes Financial Services illegal practices. They also stated that the dealerships that do business with Westlake, do so on the basis to sell cars because they are hard up for business.
Westlake also has a Representatives that solicit Dealerships to become a Westlake Dealers. Those reps do the verifying that is supplied by us to the dealership before the packet goes to Westlake for funding. Our nearest office for Salinas is San Jose, Ca. I have her name but wont put her on blast just yet.
Regardless of your state educate yourselves about the FDCPA, and FCRA. Go on the web and type it in. Inform Westlake Financial Service they are Violating your rights as a consumer and their customer. Inform Westlake Financial Service that you know your rights as a consumer and your are seeking council.
Seek a credit lawyer some are based on (contingency. No fee up front) They don't muck around and are serious. (They get paid when you win) Trust me you'll win. Have your paperwork in order for them with accuracy and true fact.
Get advocates such as Ed Magedson he is for us. To help us, and inform us. His reputation: he don't play.
Ed Magedson Thank You for Your Website.
Crystal
P.S Team
Needing assistant go on the web and just type in credit lawyers it will tell you if they are based on contingency or no
Lets all stick together. I'm ready.
anyone ready contact me. I'm in California
Stacey
Dallas,#4Consumer Comment
Sun, February 12, 2012
Fair Debt Collection only applies to third party debt collection agencies - States do vary though from what I have read. I suggest you read the statutes. And NO I do not work for these people.