This is a copy of an E-Mail I sent to Westlake Financial Services after multiple phone calls. This below is the address and general phone number I have. They do have multiple local numbers for different areas within the United States. I finally am so frustrated with them that I'm taking other steps in hopes of getting the word out about this company so others do not fall victim, also hoping some will learn there are a few options. I hope this might help someone. I'm open for more advise also.
(READ BOTTOM-NEWS ARTICLE RE: DEALERSHIP THEY FINANCED)
WestLake Financial Services
4751 Wilshire Blvd #100
Los Angeles, CA 90010 (888) 739-9192
Since I have worked as management, head of customer service, loan department and teller in the banking system as well as multiple levels of management, training, customer and provider services in medical insurance I could offer you multiple areas of improvement needed.
For starters, look into your loans for legality of your contracts. Since I have worked in the loan department of a bank. I know for a fact that the loan financed by your company was done via fraud.The loan was finalized, vehicle possession given, before the title was signed for transfer of trade in of my vehicle. The purchased vehicle was not in my name. This is a violation.
I was called in regards to this happening, but paperwork was not done for over one month after vehicle was financed. My vehicle was not paid off for at least 2 months after title signed. Therefore, 3 months of payments were made by me. Which you added to the loan meaning it was charged twice at two different interest rates.
Also, I was unable to drop the insurance until proof of payoff, meaning I was required to pay insurance on this vehicle also.
Then there is also the issue of the warranty on the financed vehicle. The dealership that this vehicle was purchased from is now closed. The warranty was only valid through the dealership. The dealership was closed for fraud. Illegal title work, state tax and plate transfer and ordering of plates required. They also were charged with lack of honoring warranties.
We have never been given credit on the warranty either. I also have never been given credit for a payment that I made, that I have showing on my bank statement. They also tried to repossess the vehicle due to a back balance of $63.67. This balance was less than 30 days past due. Due in October of 2013. The payment $339.67 they refuse to give credit for was made in May of 2013. They refuse to accept my bank statement as proof of payment. It even shows them on the statement as the recipient, date, amount, account number. What more should they need?
Per my calculations, we are owed, without interest $4,780. That doesn't include the double insurance paid or double interest paid on the trade in that has been paid off and is now being paid at a much higher rate. The rate was 12%. If you have any doubts.
READ BELOW DIRECT FROM NEWS:(WestLake Finance did financing for them)
The owner of a Carterville-based auto dealership, RTO Auto Sales, was arrested Friday on filing a false police report regarding lost or stolen dealer plates and illegal use of special plates.
Kevin Darnell, 51, of Marion remained in Williamson County Jail on Friday. No bond amount was set. He was arrested at Illinois Department of Motor Vehicles office in Carbondale, said Dave Druker of the Illinois Secretary of State’s office.
The defendant is accused of lying to Secretary of State investigators about several missing dealer plates that were reported to law enforcement as lost or stolen. One of the missing plates turned up on a RTO vehicle purchased by a customer to whom Darnell had not transferred title. Darnell also still had a personal lien on the vehicle with Scott Credit Union.
Months later, Darnell allegedly gave the same customer a 2013 dealer plate so the customer could continue driving the vehicle.Darnell’s arrest came on the heels of a lawsuit filed Wednesday in the Williamson County circuit clerk’s office by the attorney general’s office alleging Darnell and his company engaged in deceptive sales tactics. It’s alleged RTO knowingly sold used cars that weren’t in good condition.
The Secretary of State’s office shut down the dealership the same day for allegedly repeatedly failing to process title applications.In the attorney general’s lawsuit that seeks civil penalties and a permanent injunction against the dealership in addition to seeking customer restitution from RTO, Darnell is alleged to have breached promises of vehicles in good condition.
He is accused also of refusing to refund customers. The suit also alleges Darnell promised but failed to pay off at least one customer’s loan on a trade-in vehicle, and in some cases, failed to remit costs for license plates, titles and sales taxes, according to a state attorney general’s news release. The attorney general’s office received nine complaints against Darnell and RTO with local customers reporting from $500 to almost $3,500 in losses.
In one case, a customer remained financially responsible for a traded-in vehicle he no longer possessed and the customer’s credit rating consequently suffered, according to the news release.In another case, a car began to overheat five hours after a customer purchased it. Coolant leaked from the radiator. The customer returned the car to dealership and was told by Darnell necessary repairs would be made at no cost. Within four days of receiving the promised repaired vehicle, the car’s engine failed. Darnell refused to provide a refund, but exchanged a functioning car for the de-fective model. The functioning car stopped running within six days. The customer eventually paid about $800 for needed repairs on the exchanged vehicle, according to the news release.
I hope this sheds some light about the facts that I'm trying to express to you. I would also like you to know, that I do have paperwork from the Attorney General to pursue this issue. This issue is not resolved. I am making this issue aware to all in every way that I can. Websites I have access to, Better Business Bureau, Letters to the Editor, and other avenues I have access to. I feel all should be made aware. I want no one else to become a victim of this type of situation.
BEWARE: WESTLAKE FINANCE....They are quick to finance and quick to attempt repo, high intrest rate apporx 26%, seem to lose payments, do not log calls to customer service, supervisors who cannot give you an answer to your question, hang up on you. Their legal department is conveniently never available.