AMERICREDIT FINANCE COMPANY......

IN JUNE OF 2001 I PURCHASED A 2001 CHEVY MALIBU. MY FIRST PAYMENT WAS DUE AUGUST 7TH.

IN JULY I MAILED THEM A CASHIERS CHECK FOR THE FIRST 6 MONTHS INSTALLMENTS.

I WAS ADVISED BY ONE OF THEIR CUSTOMER SERVICE REPS TO INCLUDE A NOTE INDICATING I WANTED THE PAYMENTS APPLIED TO PAYMENT AND PRINCIPAL, WHICH I DID.

THAT PAYMENT WAS FOR AUGUST 2001 THRU JAN 2002. ON JAN 17 I WAKE TO FIND TWO REPO GUYS ATTEMPTING TO TAKE MY VEHICLE.

OF COURSE I WAS UNABLE TO REACH ANYONE IN THE OFFICE UNTIL 10AM CENTRAL TIME.

FROM THE START EACH REP I TALKED TO HAD THE NASTIEST ATTITUDE.

I WAS FINALLY ADVISED THAT THEY DO NOT ACCEPT LUMP SUM PAYMENTS.

THEY ACCEPT TWO MONTHS PAYMENT AND THE REST WAS APPLIED TO INTEREST. MAKING ME 3+ MONTHS BEHIND.

THEY SAID THE HAVE A MEMO STATING I WAS "TOLD" OF THIS POLICY.

MY NEXT ? WAS IF I WAS TOLD THAT WHY WOULD I SEND 6 MONTHLY PAYMENTS?

AT THE TIME I CAME INTO A LARGE SUM OF MONEY AND WAS ON THE SO-CALLED ROAD TO CREDIT RECOVERY.

I WOULD HAVE PURCHASED 3 SEPERATE CASHIERS CHECKS AND MADE PAYMENTS EVER TWO MONTHS.

NOW I DONT KNOW WHAT TO DO.

I WILL NOT SURRENDER POSSESSION OF MY VEHICLE UNTIL I HAVE MY DAY IN COURT.

AM I FIGHTING A LOSING BATTLE.

LET ME KNOW

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