- Report: #271287
Report - Rebuttal - Arbitrate
Complaint Review: Creditors Interchange
Creditors Interchange80 Holtz Drive,NY 14225 Buffalo, New York U.S.A.
Creditors Interchange I am being scammed? Buffalo New York
Carolyn Burgos said that was not the case and he had to pay the balance due or a buyout for the balance of the lease. I asked why am I being notified now and not when my brother canceled the lease so I would have at least been given the chance to refinance the term of the lease and salvage my credit? She said they thought that I lived in Florida and did not known that I lived in New Jersey. I asked could I refi with Nissan she said no they would not. She said that she would call me back and I was to let her know what I was going do to.
I was afraid of a judgement or wage garnishement. To get a monthly payment I would have to pay 10% of balance to get low monthly payments. I could not do 10% so I said take what was due which was 422 taken out of my bank account on 6/9/07. To date 400 has come out of my account since July 07. I do not have a copy of the lease nor does my brother(with whom I longer have a relationship with). I called Nissan Motor Acceptance Corp directly they said I would have to call Creditors Interchange because the documents were mailed directly to Creditors Interchange on 7/24/07 and they said that they don't know why I did not receive a copy.
Creditors Interchange said that they would mail me a copy of the lease and all the late notices sent to my brother. To date I have not received any such documents but notice of when money will be debiting my checking account and a letter stating that I agreed to pay 400 monthly ( I had left a message on Carolyn's voicmail that if I am to make payments of 400 monthly I want it in writing) .
The supervisor of Creditors Interchange by the name of Mr. Farentino called me to give me the information about the lease. The term was 48 months, 6.5% tax, late fee of 70.12 weekly,past due payment of 1371.17,vin# is 1N4AL11D26C194577. I will take responsibilty for whatever balance is due but 10,056.27 for a car the dealership that can sell the car and get the money back? Whenever I called Creditors Interchange a man answers but never says the name Creditors Interchange and just transfers me to my account specialist who is Carolyn Burgos.
I have called four of Nissan dealerships in Orlando. Universal Nissan & Bill Ray Nissan did not find any matches. Reed Nissan played phone tag with me Universal Nissan never called me back. My credit report reflect the lease as a voluntary surrender. I cannot get an attorney to assist me without a copy of the lease agreement. I cannot afford 400 monthly. There is no negotiating with Creditors Interchange.
I was called in July to be advised that there was a special running where I could do a settlement balance which again I could not afford. I want to make sure that I am not being railroaded into something that I shouldn't be due for. Can anyone give me advise or direction as to what I can and should do? Any assistance would be greatly appreciated.
Linden, New Jersey
This report was posted on Ripoff Report on 08/30/2007 08:01 AM and is a permanent record located here: http://www.ripoffreport.com/r/Creditors-Interchange/Buffalo-New-York-14225/Creditors-Interchange-I-am-being-scammed-Buffalo-New-York-271287. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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