Prestige Financial Services - Utah - Niesha, Illegal Collection Practices - Harrassment of Friends and Family Including Neighbors - and LIES, LIES, LIES Salt Lake City, Utah

This is the worst company and the worst group of people I have ever had the misfortune of meeting and doing business with in my life.  Everything in every other post I have read is all true statements of things that actually do occur when you are doing business with this awful, disgusting, rude company.  Please read on to hear the worst of the worst that they have done.  I believe that they are breaking the law and I am in the process of looking for someone to help me!!

To start, they do call you before you are due...and they are not nice friendly "just reminding you your payment is due" telephone calls.  They are "What you are doing by not contacting us every three days is a felony,  You must call and check in at least every 3 days to confirm your payment."  EXCUSE ME!!! I would set up two - four months worth of payments to be directly ach'd from account at one time but they would harrass me and every reference listed - including my neighbors that WERE NOT listed for me to call them back to verify the payments EVERY 3 DAYS!!!!!!!!!!

Yes, they do call everyone you know including people that you do not list as references! Yes, they do harrass you and call you names, hang up on you and threaten you with the police for no logical reason.  They will continue to call numbers even after you ask them not to call them. 

One time, I made my payment on the due date and because I didn't call NIESHA back the previous day so she could check up on me (obviously they think that once you have a loan with them they own your life) she sent the Repo Co. to my house to take the car - WHICH I HAD PAID FOR NOT EVEN 4 HOURS PRIOR TO THE KNOCK ON MY DOOR. Needless to say I didn't give them the car, and when I called her supervisor the next day he apologized and told me he would take care of her.   This is what they do - they play the whole "Good Cop Bad Cop" one tries to scare you while one tries to talk to you like they might actually be a human being.  Its games to these people.

I DONT KNOW HOW THEY CAN SLEEP AT NIGHT!! I am filing against them right now for the things that they do to me and famiy.  2 years ago I ran into some financial issues and I called PFS (3 weeks before I was even due) to find out if there was anything that they could do to help?  They gave me the run around for weeks, but finally called and told me that I could skip 3 payments and they would put it on the end of my loan.  Great, I thought that they were really going to help me out.  2 years later I found out that yeah, they let me skip the payments but they never put it on the end of my loan.  So for 2 years every penny of every $500.00 payment went striaght to interest, not principal.  And they consider me 90 days late on my "no grace period loan" To break it down, I drove off the lot with a $20,000.00 dollar loan, have paid PFS a total of $13,500.00 and still owe $19,100.00 on the principal.  SO, they have got to be breaking some kind of law here, reporting negativly to my credit when I have made every payment - as promised - They just DID NOT put those 3 months on the end of my loan, instead let it build interest and charge me out the a**! 

They will also put a $20.00 fee on the end of your loan for every payment you have them take out of a checking account (or every payment you pay on your loan over the phone).  They do NOT DISCLOSE this fee!  So every payment for the last 3 years I have been charged $20.00 that has gone to the end of my loan that is sitting there collecting interest.  To make that sting even more, I broke my monthly payment into two payments and paid them every 2 weeks because I was told this would reduce my interest and help me pay the loan off quicker! They just wanted the extra money, as it hasn't done anything to help me only hurt me!!

I cannot tell you enough to stay away from this company if you can!! Everything I have said as well as others is all TRUE! They dont care how they treat you, how they treat your family and friends and also your neighbors, they dont care if you ask them not to call your work, they do not care that your making your payments on time - they still want to control you and let you know that they will ALWAYS be right and you will always be WRONG.  They act as if they own you if you do business with them.  I feel as though I have sold my soul to the devil - and their names are PRESTIGE FINANCIAL SERVICES! Oh, and if your account is handled by a less than human named Niesha, hang on because she is the rudest women in the world.

Niesha will talk over you, tell you your wrong, call you names, call your neighbors, call your employer and hang up on you.  She discloses your personal information with strangers.  My neighbor and I do not talk at all, yet he came over to my house at 7:30 in the morning to tell me that I needed to call my car bank because they are calling him and waking him up everyday to tell him to come and tell me to CALL HER IMMEDIATLY!!! Even after my 80 year old neighbor asked them to stop calling they continued to call him until I moved away. 

I could go on and on and on about the horriable people and horriable business practice they use, but I hope that you understand what I am saying and stay away from them.  I am really, really, really trying to find out what grounds I have to stand on from a legal point with this company.  If you want all this trouble and heartache then by all means please go thru them.