I purchased a 2nd vehicle for family use 2 1/2 years ago and got stuck financing with WFS Financial. My payment history on this loan was perfect until Jan., 2003 following a severe work-related back injury, 2 surgeries, long recuperation and unemployment.
During my recuperation, my brother-in-law was also tragically killed in another state. I'm an older woman living alone, and WFS Financial's collectors were calling me as many as 12 times a day demanding payment. It got so bad I closed up my home and went to stay with my son and daughter-in-law to finish recuperating from surgery.
Somehow WFS Financial found me at my son's (whose contact info is unpublished anywhere) and they began harassing me nonstop there. I relocated to another home a couple weeks later and they not only somehow got my phone number but new address!
Even though I made full disclosure of my medical and financial situation, it made no difference to these predators. After borrowing the funds to make the Jan. payment, they continued to harass me for the Feb. payment. I told them to stop calling me or I'd turn the matter over to an attorney. The very same day, they sent a repo-kid to my door misrepresenting himself as a law enforcement agent! I advised him if he didn't leave the property immediately I would call the police and have him charged with illegally representing a police officer. He was intimidated enough to leave and hasn't returned.
I am now only 2 payments behind on my loan and WFS Financial's collectors are calling here nonstop all day including weekends. They are also calling my son nonstop and several other family members as well as friends.
I have cut my recuperation time short to try to find some kind of employment just to get these jerks off my broken back, but only have sporadic income.
This experience has left me terrified, paranoid and furious! Of course, no attorney will take the case because of lack of funds. WFS Financial has a very bad status with the BBB in this state, which I informed them, as well as that I am recording their phone calls and conversations. They don't care. Any suggestions would be appreciated.