I am the spouse of an individual who was offered financing through Nuvell Credit Corp. They were very nice in the beginning and for a year, we were never more than 5/9 days late on a payment. We even made some early. The very first time we encountered a major impact to our financial situation the following year, however, they showed a completely opposite side.
Due to the changes in the economy, my spouse's industry took a hard hit and we struggled to keep the payments going in on time. Despite my spouse's constant communication attempts to keep Nuvell updated on what was going on and numerous arrangement offers to at least keep giving Nuvell their money, we...no, I was harrassed on a daily basis and sometimes up until 10pm at night. They were calling my house PRIVATE at least 13/14 times a day, I have the evidence recorded. Even when I would speak to them the first time they called in the morning, they would still continue to call til late at night. I asked them why I had to keep saying the same thing to multiple people throughout the same day and they said until a payment was made they were going to call every 5 minutes if they chose, because it was our fault I was getting the calls.
After just a few days of this verbal abuse and games of calling and hanging up sometimes seconds after I had just spoken to a rep from Nuvell, I couldn't take it anymore. My blood pressure was sky high, I was suffering headaches and nausea, along with gastrointestinal illness and insomnia. I understand that the payment was late and they have a right to call to monitor the payment details, but this was crossing the line. I convinced my spouse to voluntarily turn in the vehicle, which by the way, after 12 payments, that were paid within the grace period, our balance had not been reduced even a dollar. Not even the interest was reduced! They were unable to provide any information as to where our payments made had gone to and when asked to mail us the information if they couldn't discuss it over the phone, it was never mailed. Big surprise. How do we know if any of the money we sent was even applied to our vehicle? Someone could have been pocketing the money. Our balance remained unchanged for a year, including the interest.
I am considering seeking legal advice to see if I can be compensated for my emotional trauma and stress that led to my health problems. Even though it only lasted two months, it was a constant and daily occurence. All of that built up and left a huge toll on my well-being. I hope they are forced to stop harrassing people the way that I have read they do and I definitely hope nobody gets treated as badly by these igorant SOB's, as they treated me.
The very first call I got, the man was questioning my race, because it is different than my spouse's and he did not want to give me the information, being that my name was not on the contract. I was apalled, to say the least and instead of cussing him out, I hung up and refused to speak with that man ever again. If he called after that, I informed him that I was discriminated against by him and if they wanted me to stay on the phone, someone else would have to call me.
The only other man that called me, didn't believe me when I told him that my spouse was working out of town and accused me of lying to him. I explained that nobody but myself was at this residence, day or night and he made sexually explicit remarks, stating that he didn't buy that and I probably had males in and out of my residence if my spouse was so far away. This man did not even know who I was!!
Please avoid these people at Nuvell at all costs. You will be saving yourself alot of despair and stress if you choose another company to finance through.
small town, Texas