My nightmare with WFS began in November 2004. Because of my families hectic schedule, WFS was unable to get a hold of me by phone when I was about 10 days late on my payment. They then sent someone they called a gaurdian out to inform me that they were trying to contact me. I immediatley called them while the man was still at my house. I made a payment over the phone and set up another electronic debit for 2 weeks later. Both were deducted from my bank. About 5 months later the phone calls began again.
When we finally made contact with WFS, they told me that I had a $l72.00 late fee. They never told me that this person that came to my home in November was paid a $55 fee....right out of my truck payment. For 5 months they kept deducting $55 out of each payment to make up for the last payment! This resulted in having a late fee added on each month. When I agreed to just pay the fee with an electronic debit and asked that they defer a month for me, they said they would. I gave them the bank info and thought that was the end of it.
About 2 weeks later, I received a letter in the mail that stated I had given them an invalid account number for my bank. I then tried to contact them and only ended up playing telephone tag. The following Sunday, while I was at work they towed my truck! The statement that they gave me said I owed them a total of 1223.00. For the last 3 months worth of payments. Their own statements showed that I paid my bill each month. I had canceled checks to show for each payment they said I did not make and I am still fighting to get my money back from them. There were also other fees that totaled an additional $386. I am in the process of hiring a lawyer to deal with this mess.