WFS Financial has ruined my credit and there is nothing I could do about it, they repossed my car at my new place of employment, I was behind two payments not even amounting to 400 dollars,
I only needed one more year to finish paying off my car, I had called them explaining my reason for being late, I had just started a new job and had never been late before, I called them from work where all calls are recorded and I spoke to a supervisor advising him that I would make a electronic payment for both payments that I was behind on and gave them the date I was going to have them withdraw from my checking account and then about 30 minutes later my boss comes into the office telling me that some men are outside needing to talk to me, well I walk outside and they are towing my car!!!
and I tell the repo guys that I just spoke to a supervisor on the phone and mad payment arrangements, and then he says he is sorry but they are just following orders, so I need to get my stuff out of my car, I am very angry and begin to take the stuff out of my car and the repo man kneels down next to me and starts to tell me that not to worry about it that I can get my car back if I pay the balance I owe on my car! I tell him what are you talking about, and I get a little angry, I go inside to take the stuff into my office and when I come out they are driving away with my car and I still had stuff in my car!!!
so I call back WFS speak to the supervisor again and tell him that they picked up my car and he says he is sorry, and then I tell him that I am going to get a lawyer because all of our calls are recorded and I had just mad arrangements for them to debit my checking account for the 400 dollars that I owed, and he didnt know what to say other than that wasnt an agreement.
I guess since they had caller ID they found out where I was calling from and thats how they knew where to pick up my car.
I had to find a ride home, and thank god that my old car still was in shape for me to use for work, since then I have threatend to sue them, and they didnt get enough money from auctioning off my car, so now they claim I owe them 2000.00 when I had paid 5 years on that car totaling to 14000.00, what did I get from this?? really bad credit and no car and all for 400 dollars that I was behind on my car payment, and the bad part was that I was trying to resolve it and calling and making payment arrangements and they still didnt care, and they picked my car and I lost big time.
that doesnt make sense, all the years of the payments and I dont get s**t, just bad credit and now I cant buy things or even refinance my home. the reason is that small people like me that dont have a big college degree and not a lot of money and not good credit settle for companys that offer to help restructure your credit and often it isnt worth it, and they know that they can screw us cause we dont have the good credit to speak for us, sometimes bad things happen and people have no choice but to get behind, thats when we need to speak up for ourselves,
If I had the money I would have hired a lawyer cause I did have them on tape agreeing to the 400 debit the next day from my checking account, and guess what they too the payment and they took the car too!!!
but I do have a car now, but it has a device in it that prevents it from starting if I ever get behind on my payments, its for people like me that have extremely bad credit, and it helps you buy a car but in no way can you get behind for more that 10 days, I need one more year to pay it off, but I still think about the money that I lost with WFS, 14000.00 of 5 years for nothing!!!
well we live and learn, dont trust anyone when it sounds too good too be true!!!
anthony, New Mexico
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