I purchased my car back in Feb. 01 from Ramont Motormall, the finance company is SeaWest Financial. I put a nice sum of money down at Ramont, which was to be sent directly to SeaWest, and I was notified to make my first payment on March 1st. Well I sent a money order to the company before my payment date.
Tell me why this company was calling me back to back at work on the same day stating they hadn't received my payment or Ramont's payment stating it is my responsibility to get the payment to them. I told them I had sent my payment and it isn't my problem about Ramont, but I called Ramont and they stated they sent the payment to them.
What I did was cancell my money order and did a western union payment. Well in may they tried to cash the money they stated they never received and tried to charge me a NSF because the money order bounced. I called them and said this was not my fault so why am I being charged this money. Long story short, the man took it off.
Tell me why here in 2003, this charge comes back up on my account after all these years. When I called SeaWest they stated this was for a money order that bounced back in 2001. They wouldn't take the charge back off my account, so I took further action. I filed a complaint with the BBB. In the end all the better BBB did was put this complaint on their public record. So I finally gave in a just paid this amount.
Well in August of 2003, I didn't make my payment in full so they charged me a 12 late fee, which was included with the NSF. Well when I made my September payment I paid the late fee and the NSF along with the amount I still owed from Aug and Septembers amount. Well here comes Oct. I paid my account on time and full. Tell me why I received a statement for October like 2 days after I made my payment, because now I make all of my payments by Western Union so they can't say they didnt' receive it, it stated 0 past due. Then a day after I received that statement I received another statement saying I owed $12 late fee for August,.
I called SeaWest Financial services and said I don't owe anything I paid this amoutn and full and ZI asked to speak w/ a supervisor. Well I got her voicemail. I left a message and never received a call back. So I filed another complaint with the Better Business Bureau. But this time around I also called legal aid who told me to file a complaint with the Attorney General's office, which I did.
So we will see what happens. I have had nothing, I mean nothing but trouble with this company and I warn anybody to stay away! I am so stressed out over this. I don't have money to hire an attorney or anything like that so I'm just doing what I can. I have always , but once made my payments on time to this company and they have tried to get over on me repeatedly. It was bad enough I got sucked in paying a 22% interst rate because I didn't know what I was doing because it was my first loan, so now I'm paying almost a 100% in an interst. I make my payments and nothing decreases. I was suppose to have this loan paid off in 4 years, per the salesman who sold me my piece of crap, but per legal aid I will be paying way more than 4 years.
I have been screwed royally and I warn everybody.