My harassment from CPS began one week prior to my first payment's due date when an agent called me to ask where my payment was. I said I had mailed it a few days ago. " You shouldn't have done that, we might not get it in time" , the agent said, and tried to convince me to make another payment via Western Union . I declined, noting the 17.00 fee. and hung up ( CPS did receive their payment on time, btw).
My first two years with cps were fine- I made timely payments and was left alone. My third year into the 6-year loan I had financial problems and fell a month behind . They called my home at least 3 times a day, my work - even after I told them not to in writing and received a letter back from them that they would honor my request. Also, a tenant in my apartment building who I didn't know at all knocked on my door , introduced herself and told me CPS had called her on her brand new pay-as-you - go phone! She said she had just bought the phone the night before and CPS called her about me!!!
Wow. THAT is Enron-ic!
My third and final year w/ cps I was making payments monthly but could not get caught up with them. I was either 1 or 2 payments behind probably 8 months out of the year, but did always come through. The agent assigned to my case's name was Keith Smith. He was courteous with me but a real psycho when he called my work ( which he did DAILY) to my boss and several co-workers. My last month with them I was two months behind and knew I couldn't make the payment until my next pay period on a friday,March 29. I had told this to Smith but he continued calling me at work and at home with his usual routine. I decided I had told him when I would be making the payment and had nothing new to add to it so I would not waste our time by calling the pesky little man back. When Friday the 29th came I had the month's payment in my hand, on my way to send it western union. when a tow truck pulled up and repoed my car. The company's policy is to allow 3 months payments in default before repoing . I was only two , and it was still March 29th. Since it was the weekend and Smith would be off untill Monday, April 1st.,he decided to get his work done before the weekend.