A-L FINANCIAL CORP ILLEGAL PRACTICES, PLEASE CALL xxx-xxx-xxxx  TO JOIN OUR LAWSUIT San Jose California

Did you ever file a Lawsuit.
Please contact me if you have.

Thanks,

Recession took my 3 businesses, but I soon recovered, unfortunately with bad credit, but still the skill to overcome. I wanted to get a loan on this Lexus gx470 to help rebuild my credit, but on a normal loan, a loan that operates on state guidelines, of which this company is not. 

I have the right to suit for interest incurred , that is the jist of it, and so are other people who have been affected by their illegal practices. So this could be a retroactive lawsuit affecting them in the millions. 

We will see what the judge says. GOOD DAY. FINAL COMMENTS.  The state guidelines on retail installment contracts have been broken because they deliberately Barr me of my right as a consumer to pay toward the top of the loan. To an attorney it is clear what I'm saying, as it is to me because I have a high I.q. , but apparently you mr. Argumentative consumer , who is probably really the accused, obviously does not. Good day. Final COMMENTS . SEE YOU IN COURT. 

In the state of California , the retail contract guidelines in place sTate that unless specified in the contract, that principal payment May not be made, then payments toward the principal MAY BE MADE.   Therefore this company is in violation of breaking state guidelines. While this may not be a criminal violation, it is definitely one that can be pursuit in civil court. 

There's no telling how many others this company has violated in tHis manner, or in another manner. this company should be held accountable for taking advantage of its customers like this. There should be an attorney generals investigation, a class action lawsuit and they should have to pay all of their customers retroactively for the past 5 years

 You are rich but you took out a high interest loan for a car.  Hummmm - I find that hard to believe.  And as for your "legal team" good luck on that.  Sounds like a load of crap to me.

They are performing illegal practices by not allowing their clients to pay toward the principal. 

You see, I have a legal team working on this right now. 

And in the state of California, unless specified in the contract, (of which it is not) that no principal payments can be made toward the loan, then principal payments MAY be made. 

Since this is how the law reads on retail installment contracts in the state, then they must abide by that statute. 

Therefore, by not allowing me my right as a consumer, they have broken the law.

it may not be a criminal case, but definitely one that I will pursuit in civil court. 

Could you cite the SPECIFIC laws you will be suing them for breaking? Just wanting them to do differently doesn't indicate they're breaking laws.  What will your lawsuit state is unlawful..remember, SPECIFICALLY.

Most loans allow an extra amount to be added to a payment which will pay the loan off sooner and save interest.

" I accepted the high interest rate on one condition, that I be able to make payments toward the principal , to get out of some of the interest. The. Company agreed"

Hope that's in the WRITTEN contract you signed, because if it isn't, you haven't a prayer.  The WRITTEN contract applies in EVERY case over what someone told you.  That's why it's called a contract. It binds both parties to the agreed to terms.