My wife passed away a couple of years ago and had purchased a vehicle through Primus. She was the only one on the loan and I could have turned it back in to Primus but chose to fulfill the original contract. As time went by I was struggling with getting payments in on time mainly due to medical bills left over from my wife's cancer treatments etc. Primus was less than understanding and very insensitive towards me. They always called asking for my wife and demanded to talk to her even after I told them that she had died.
One representative did not believe me and wanted the name of the cemetary etc. I told them to dig her up and then they could see that she had really died. This type of coorespondance continued for quite some time. I finally paid this vehicle off on 3/20/09 after talking to a rep. on that day. I was told that if I paid the final payment of $200.09 that the $89.19 would be waived. The rep put me on hold and then came back telling me had talked to his supervisor and that they would put the paperwork through waive the $89 as soon as the payment cleared.
Well, the payment cleared but I received a letter stating that $89.19 was still due. I called Primus on 4/6/09 and talked to a Dave there who was short and curt with me. He could not find any record of my previous conversation on 3/20 and asked me why I thought that they would ever waive this as they don't do that. I asked to speak to someone to file a complaint with and was put on hold waiting for a senior financial analyst to toalk to....I was cut off and frustrated.
I ended up just paying the $89.19 to take care of this. The $89 is not the issue at this point, it is that Primus has lied to me, been degrading, deceptive, rude, threatening, insensitive and have used verbal strong arm tactics over the past couple of years. They have called my home up to 6/day and after 9PM a few times in the past. In fact I mentioned this to them about laws that are in place about harrassment and phone calls after 9PM. They did not care and just went on about their business.
I have asked them not to call me and to put all coorespondance in letter form which never happened. They kept threatening me about ruining my credit (which is not applicable in this situation as the loan was in my wife's name only) and similar tactics. I did not want to give them my work number & when I refused I was told by a really rude lady rep. that they would not accept any payments and take the car. How legal is this? I gave them the work number and ended up getting a call or two at work after telling them not to call me there.
Primus must use a call center out of India as some of the calls I received I could not understand the person at all but at least these people were not as rude to me. Many times Primus introduced themselves as being from Ford Motor Credit and another company that I can't recall. They said that they service several companies and that they get confused sometimes who they are representing. Boy, this instills confidence in Primus.
I feel that Primus needs to train their reps and management in basic people skills and common courtesy. Primus also needs to stop being deceptive and follow through on the committments that they make to customers. Primus needs to follow the laws governing their business and be less aggressive in their collection techniques. I would never do business with this company or Ford Motor Credit either and I will tell anyone who will listen about this/these companies.
Twin Falls, Idaho