Complaint Review: Westlake Financial Services - Los Angeles California

First off, pay no Mind to this other person, he is obviously an employee, who else would waste their time on a rip off report site DEFENDING another company. They are on here responding to ALL reports about this company as well as Wilshire. It's a scare tactic and they are trying to discourage you from taking any further action. It's their job to make you feel stupid, dishonest, that to make it seem like you don't have any recourse. YOU DO HAVE RECOURSE! Along with my personal experience with this company I have done my own research on them as well, and you are in the right my friend. Please dont let anyone discourage you from taking legal action against them, that's what they are hoping will happen when they come on here and tell you things like this. This isnt some Q&A site or advice blog. Trust me, people on here are dealing with their own rip offs and don't have time to pick apart other people's stories. They should identify themselves when responding as an employee or ex employee, but if they did that would mean they can't treat you the way they can when they say they are a consumer as well. Second you are totally right about this company:

I have a $3,000 loan from them, always made on time payments and one morning I woke up and my car was gone. After contacting the police department I found out it was repo'd. After talking to Angel who I guess is my account manager, he said that I hadn't made a payment this month! Knowing this wasn't true cause I'm the one who wrote the checks myself AFTER trying to pay online, which is how i was told i could pay and actually prefer to pay. I checked the last three months of payment stubs where I had the check number and date mailed written on it. Angel insisted I never paid anything, so I checked my bank account and saw that the check was never deposited. I insisted that I had mailed it but at this point I knew I was screwed. I paid the payment right then, which had to be in cash through western union only. I also had to pay a $400 repo fee and some other minor fees that totaled like $120 or so. It then took them 5 days to send the release to the tow yard. Well, about a week or so later guess what I get in my mailbox? Three envelopes that have "return to sender not at this address" written on them, and whats inside? MY PAYMENTS! I checked the address on their payment coupon with the address I had written on the envelope and they matched, so I hadn't sent it to the wrong place. I figured they either knew I sent the payment and just wanted the extra repo fees or they lost it and instead of owning up to it when it was found, just sent it back to me. I called them to let them know that they had returned the payment back to me and that I had paid it, and that I expected to be reimbursed for the fees. They basically laughed at me and called me a liar. The next day I received another bill from them stating that I owe $680 in "other unpaid fees". When I called and asked about it they said it was their fee because I got my car repo'd. I told them that I already paid over $500 just in repossesion fees and they told me that that was the fee JUST TO GET MY CAR OUT, and that this fee was for the inconvenience of them having to repo the car from me. I tried explaining what had happened, but it was useless. Since then I have kept up with my payments, but I refuse to pay the extra $680 fees they added, and are trying to repo my car AGAIN for that. With all of that, I have already paid over $4000 to them and they say my payoff amount is just over $5000! 

I am in California and I URGE anyone else in California to file a small claims suit against them, report them to your local DA, and the attorney general. I haven't had my court date yet, but after much research I have found A LOT of their business practices are illegal! Not to mention their collection practices being that they have contacted almost all of my family members several times after each one has asked them not to, and have come to my house ringing the doorbell and kicking the door several times late at night, once they came at 4:30am.

They lie about being able to pay online, they lie about fees, they lie about not receiving payments, their collection practices are illegal, and their interest rates are usury. I would like to suggest that everyone, and their are plenty of us, who have been ripped off by this company colaborate together. They can only get away with this as long as we let them.

feel free to contact me vis email at: [email protected]

The typical response when an intelligent rebuttal cannot be made: "You must work for them!" Even a cursory examination of the original posting shows the whiner is complaining because the lender is making collection calls! Following this line of typical SUBPRIME MENTALITY, the habitual deadbeat wants to pay whatever they want, whenever they want or not at all. When the lender's BILL COLLECTORS call then its so, so unfair...they are cruel and heartless...the are so, so illegal! What a bunch of industrial strength BS! Go ahead do your picketing...give the public a few laughs as we see subprime welfare type mentality in action. You don't pay your bills...the collectors call and its so, so, so unfair and predatory! What a joke!

The typical response when an intelligent rebuttal cannot be made: "You must work for them!" Even a cursory examination of the original posting shows the whiner is complaining because the lender is making collection calls! Following this line of typical SUBPRIME MENTALITY, the habitual deadbeat wants to pay whatever they want, whenever they want or not at all. When the lender's BILL COLLECTORS call then its so, so unfair...they are cruel and heartless...the are so, so illegal! What a bunch of industrial strength BS! Go ahead do your picketing...give the public a few laughs as we see subprime welfare type mentality in action. You don't pay your bills...the collectors call and its so, so, so unfair and predatory! What a joke!

Let's take a step back and look at this again. There are no Deadbeats in this complaint. In fact, your comment and suggestion is repulsive. Deadbeats would suggest that someone isn't paying or meeting their obligations. Take a very close look at the beginning of the Original Report.

 "If you are current on your Loan with Westlake Financial Services and have experienced problems with either Predatory, Harassing and/or Stalking Practices and Behavior."

Clearly the respondent to the original report is a worm who is part of the Westlake Establishment attempting to make someone look bad when in reality, is seeking those who are current in their obligations and is themselves current.

There is a manner in which most companies to to project themselves. Most choose to do business in Good Faith and Honorably. Some choose to adopt the practices that are abusive. Westlake Financial Services is one of those companies.

For there to be the suggestion that people are not entitled to a car loan is true. However, when companies like Westlake Financial Service behaves abusively towards those who are being responsible is wrong. Just because they are a sub - prime lender doesn't give them the right to practice Predatory Behavior and disrupt the lives of individuals who are and continue to fulfill their obligations.

Go and stick your head back into the sand and report back to your employers that low life particles called Predators need not be in business.

Lets see, these DEADBEATS are being financed by this SUBPRIME lender because they failed to pay their bills in the past and none of the banks don't want to do business with them.  They now are whining and wailing because the lender is having their BILL COLLECTORS call them because just like clockwork, they aren't making their car payments on time either!  Now the poor babies want to picket the dealer because the bill collectors are doing their job! Bring out the violins!  The subprime thinking, welfare type deadbeats will need some music to cry to!  I can just see it now.  The Environmental Protection Agency will be on hand to spray the area to keep the smell down.  Then after the picketing is over, the street will be permanently closed due to the smell of the welfare type deadbeats.  Oh yes, the deadbeats are ENTITLED to a car even if they won't pay their bills on time.  Let the wailing begin.