• Report: #797179

Complaint Review: Westlake Financial

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  • Submitted: Fri, November 11, 2011
  • Updated: Sun, January 08, 2012

  • Reported By: Chuck G — California United States of America
Westlake Financial
Wilshire Blvd Los Angeles, California United States of America

Westlake Financial Most Unprofessional low class company in America Los Angeles, California

*Consumer Comment: Late=Delinquent=Chuck G

*Author of original report: You are an IDIOT

*Consumer Comment: Abesal, you would lose that bet....

*Consumer Comment: Another Typical Subprime Welfare Type Whining!

*Consumer Comment: Ugh! Read your CONTRACT Completely!

*Consumer Comment: guess what slug head?

*Consumer Comment: coast

*Consumer Comment: abesal

*Consumer Comment: Not a ripoff

*Consumer Comment: And...?

*Consumer Comment: No RipOff

*Consumer Comment: Ashley

*Author of original report: Ya I never missed a payment slug head

*Consumer Comment: Losing money?

*Consumer Comment: Ashley

*Consumer Comment: You want them to go away?

*Consumer Comment: Ken

*Consumer Comment: Obviously your credit rating is in the toilet or

*Consumer Comment: Coast

*Consumer Comment: Can't be both

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This is the most unprofessional low life lender in america. I should have gotten my loan from a loan shark (wait a minute I did) that is what these people are. They call three days before the payment is due and have called up to 15 times in one day for a payment that is one day past due yet still in the grace period. I have never missed a payment yet they call every month.

Ask completely stupid questions like what color is the car now...like I just went out and painted it purple so they could not find it.....I have less than $300 owing on the loan and today was the day I went off on them they called 10 times I talked to three different people all dumber than dirt. Of course i got no where with the idiots. NEVER I REPEAT NEVER do business with this place no matter how badly you need a loan yo will regret it as long as you have the loan.

Then they have the nerve to send me a letter saying please use us to finance your next car, I would rather shot myself in the head and live, or maybe go take a shower at Penn St.

This report was posted on Ripoff Report on 11/11/2011 04:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Westlake-Financial/Los-Angeles-California-/Westlake-Financial-Most-Unprofessional-low-class-company-in-America-Los-Angeles-Californ-797179. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 18Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Late=Delinquent=Chuck G

AUTHOR: coast - (USA)

"have called up to 15 times in one day for a payment that is one day past due... First of all I never missed a payment I was never late once... I have never missed a payment they were all made within the grace period"

You seem to have a problem understanding the definition of the word late. A payment is late when it is received after the due date.
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#2 Author of original report

You are an IDIOT

AUTHOR: Chuck G - (United States of America)

First of all I never missed a payment I was never late once. Second I went with this total rip off company because of reasons beyond my control at the time and third you freaking LOSER I jusy paid off the loan and now I am having a problem with this RIP OFF company getting the title from them.

You have no clue what you are talking about until you actually do business with this unethical piece of crap company. But since you are so high and mighty you never will and by the way stay off this blog LOSER.
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#3 Consumer Comment

Abesal, you would lose that bet....

AUTHOR: Ken - (USA)

"Im willing to bet that you don't pay every single bill you have on time. You will probably lie on that anyways."

 
It's not too subtle of you to cover your bet by saying I'd lie about it.

In ALL my rather long life (I'm now retired) I have NEVER been late on ANY payment and I really don't care if YOU believe it or not.

The DEADBEAT OP needs to stop blaming others for his failings.

This action has NOTHING to do with banks getting bailouts, lenders being unforgiving, or the general economy being bad....it's about PERSONAL responsibility.

If you don't obligate yourself to more than you have, this won't happen.

Oh, thanks for inferring I'm a liar...JERK.

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#4 Consumer Comment

Another Typical Subprime Welfare Type Whining!

AUTHOR: Jim - (USA)

Hey Bozo, you don't want them calling you?  Then the SIMPLE solution is to pay your bills on time!  However, its obvious that concept is foreign to you.

But that's ok.  It will you driving junk old worn out problem cars paying 25%+ interest. 

What a looser!!!
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#5 Consumer Comment

Ugh! Read your CONTRACT Completely!

AUTHOR: Luckynutz13 - (United States of America)

There is no such thing as a grace period when dealing with car loans! Did you read your Contract? Because if you did it states you have no grace period. What you have a "grace period" for late fees or charges! Not to mention if you don't want them calling set up automatic draft!

I used to work for collection agencies ions ago and worked at Toyota Motor Finance. So I know what I speak of!
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#6 Consumer Comment

guess what slug head?

AUTHOR: Ashley - (U.S.A.)

" I have never missed a payment they were all made within the grace period that the company gave me in writing. So listen smarty pants maybe you work for this horrible if so they deserve you and you deserve them, cause you are both stupid "

If you are paying in your grace period, the payment is late. All a grace period is, is a time frame they do not charge a late fee. the payment is already late. If your payment is not there by the DUE DATE its late. No, I don't work for this company. Of course your would think that.

As for abysawhatever, banks lose money all the time. What do you think the 2008 crisis was over? Did you miss all the banks declaring bankruptcy from toxic loans? I guess you were living under a rock then.
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#7 Consumer Comment

coast

AUTHOR: abesal - (United States of America)

They don't lose money with their hight interest rates. Most customers don't have problems with paying their cars right away. Its usually a year or so in the car payments. They don't take loses. Banks never ever ever ever take loses. Someone always picks up the bill and it gets paid.
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#8 Consumer Comment

abesal

AUTHOR: coast - (USA)

"They don't lose money because someone doesn't pay on time because regardless of how a customers pays. They still get the car back thru repo."

Finance companies usually take a loss by the time they resort to auto repossession. The vehicles have lost a great deal of value and are frequently abandoned by the buyer due to the need of expensive repairs. Finance companies do not want to repossess a vehicle but sometimes they find it necessary to exercise damage control.
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#9 Consumer Comment

Not a ripoff

AUTHOR: voiceofreason - (United States of America)

They actually never ripped you off. They even extend you a grace period. All they've done is annoyed you. You really should have posted this on annoyingreports.
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#10 Consumer Comment

And...?

AUTHOR: Jim S - (United States of America)

Telling people you made all of your payments...?  Isn't that what you're supposed to do?  The correct answer is...no, not really.  What you're supposed to do is make all your payments on time.  Not a week after the due date.  Not just before the grace period.  The grace period is the period before you get trashed to all three credit reporting agencies by the collector.  The bottom line is...making payments one day after the due date, is still late, and will earn all of the calls you deserve.  I know you understand this - you're just trying to rationalize your behavior.  If that rationalization drives your outrage....I guess that's up to you.  However, no one here buys it.  I don't.

They may in fact be a low life lender; you don't list the terms of the loan...and it really doesn't matter anyway.  The point is if they are a low-life lender, it also means they have low-life customers, many of whom don't make payments on time as they agreed to.  Avoiding calls from people with double-digit IQ's is pretty simple; make your payments on time, every time.  Once you have that payment history, those calls prior to the due date generally cease.  If you really have less than $300 left, borrow the money from a friend and pay off the loan balance.  Give you friend some interest; that's a win-win for everyone involved.  Oh, and don't criticize those who commented.  Remember, you (1) took the loan to begin with, (2) decided to be late with your payments, (3) didn't like the consequences of being late, (4) made your beef public, and (5) rationalized your behavior.
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#11 Consumer Comment

No RipOff

AUTHOR: Robert - (U.S.A.)

There is a difference between the Due Date and your Grace Period.

If you are paying in the Grace Period you are late because it is past the due date.  The only thing the Grace Period is for is before they assess any additional late payment fees.  It doesn't change the fact that you are late. 

Now because you are a Sub-Prime borrower they are going to "remind" you.  It doesn't matter what you did in the past they are only concerned with the now.  It doesn't matter if you paid 59 of 60 payments on time, they are still going to hound you for the 60th payment.
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#12 Consumer Comment

Ashley

AUTHOR: abesal - (United States of America)

No, they will lose money because THEY WILL LOSE CUSTOMERS. They don't lose money because someone doesn't pay on time because regardless of how a customers pays. They still get the car back thru repo. They still have collateral. Westlake Financial has terrible customer service and because of that they will lose customers. No customers, no money.
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#13 Author of original report

Ya I never missed a payment slug head

AUTHOR: Chuck G - (United States of America)

I have never missed a payment they were all made within the grace period that the company gave me in writing. So listen smarty pants maybe you work for this horrible if so they deserve you and you deserve them, cause you are both stupid.
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#14 Consumer Comment

Losing money?

AUTHOR: Ashley - (U.S.A.)

They lose money because its extremely risky loaning money to people with bad credit. That's why they are sub-prime lenders. People with bad credit didn't get bad credit by paying their bills on time. Companies like this will treat people better, when their customers pay on time.
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#15 Consumer Comment

Ashley

AUTHOR: abesal - (United States of America)

No, because there plenty of good businesses out there who are willing to work with you.

Prime lenders who treat people like a "class" should disappear. Westlake will be one of those companies if it doesn't change its policies. Thats why they act like they do because they are losing money.
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#16 Consumer Comment

You want them to go away?

AUTHOR: Ashley - (U.S.A.)

I'm guessing the previous poster doesn't like "unethical sub-prime lenders" you realize that if you run them all out of business then people with poor credit will not be able to get ANY loan of ANY kind because of their credit. These companies are at least willing to extend credit to these people.
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#17 Consumer Comment

Ken

AUTHOR: abesal - (United States of America)

How is it anybodies fault that the economy has gone to shits? Maybe its the government fault for allowing sub prime lenders to run unethical business. I wouldn't be surprise if Westlake goes out of business withing 5 years. As their reports of unethical business gets bigger and bigger, their business will diminish. Im willing to bet that you don't pay every single bill you have on time. You will probably lie on that anyways.

Anyways, everyone needs to spread the word about this company. Tell everyone you know about this company. Thats how we can make sure this company goes down.
If every person on this website tells a friend about the truth about Westlake. I guaranteed that this company will get less and less customers. There are too many good companies out there that understand people situation and are looking for a good relationship with their customers.  
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#18 Consumer Comment

Obviously your credit rating is in the toilet or

AUTHOR: Ken - (USA)

you wouldn't have to borrow from sub-prime lenders.
S-u-r-e they trust you..not.
They've heard, on a daily basis, from you and their other customers, all the stories about when you sent the payment.  They just don't believe them anymore...deadbeat.

Get over yourself and see if you can't improve your credit situation and not have to continue to deal with this type of lender...it's NOT their fault, it's YOURS.

BTW, ONE DAY late IS late and they can repossess even on that.  I'd say you've been lucky...so far.
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#19 Consumer Comment

Coast

AUTHOR: abesal - (United States of America)

Its obvious that you don't even know how to read and comprehend yourself. 
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#20 Consumer Comment

Can't be both

AUTHOR: coast - (USA)

"have called up to 15 times in one day for a payment that is one day past due"

"I have never missed a payment"

These are contradicting statements.
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