WFS Financial Services, AKA: Western Financial Bank, Westlake Financial Inc., As Well As Westcorp Fi WFS Predatory Lendory and Theif Irvine, Los Angeles California, an across the USA

I am having the same problems with this company. I have filed numerous complaints with the FTC, but they only laugh in your face. They have been quoted on my voice mail how many times they have called me, which is 250 times, in a 2 week time period. I have saved my voice mails and they are telling me today to have my vehicle all nice an shiney for them when they pick it up. I am so sick and tired of them harassing me and making threats. Please contact me if I can help.

WFS is acually owned by Wachovia, now Wells Fargo but to my knowledge it is still Wachovia Dealer Services who bought WFS years ago. Westlake is a separate entity

My comments are not addressing any one complaint, I just think the company needs a positive statement from a current customer. I have had my vehicle financed through Westlake Financial for 3 years, and every employee who I've ever spoke with has been very considerate and helpful. I was 2 weeks late this month due to a family emergency. When I called to make my payment, the representative asked me how much I wanted to pay and I told them my normal payment, and offered to pay the expected late fee. After explaining why I was late, they were kind enough to waive the late fee due to my circumstances. This is a company that financed me due to credit problems and could have refused my application. I have dealt with major lenders, you know, the ones that fly corporate jets to Washington, and Westlake Financial has treated me 10 times better. Thank you Westlake, for your patience in these tough economic times. Maybe you should advise major lenders how to respect the little guy trying to make ends meet. Keep up the good work!

My comments are not addressing any one complaint, I just think the company needs a positive statement from a current customer. I have had my vehicle financed through Westlake Financial for 3 years, and every employee who I've ever spoke with has been very considerate and helpful. I was 2 weeks late this month due to a family emergency. When I called to make my payment, the representative asked me how much I wanted to pay and I told them my normal payment, and offered to pay the expected late fee. After explaining why I was late, they were kind enough to waive the late fee due to my circumstances. This is a company that financed me due to credit problems and could have refused my application. I have dealt with major lenders, you know, the ones that fly corporate jets to Washington, and Westlake Financial has treated me 10 times better. Thank you Westlake, for your patience in these tough economic times. Maybe you should advise major lenders how to respect the little guy trying to make ends meet. Keep up the good work!

My comments are not addressing any one complaint, I just think the company needs a positive statement from a current customer. I have had my vehicle financed through Westlake Financial for 3 years, and every employee who I've ever spoke with has been very considerate and helpful. I was 2 weeks late this month due to a family emergency. When I called to make my payment, the representative asked me how much I wanted to pay and I told them my normal payment, and offered to pay the expected late fee. After explaining why I was late, they were kind enough to waive the late fee due to my circumstances. This is a company that financed me due to credit problems and could have refused my application. I have dealt with major lenders, you know, the ones that fly corporate jets to Washington, and Westlake Financial has treated me 10 times better. Thank you Westlake, for your patience in these tough economic times. Maybe you should advise major lenders how to respect the little guy trying to make ends meet. Keep up the good work!

My comments are not addressing any one complaint, I just think the company needs a positive statement from a current customer. I have had my vehicle financed through Westlake Financial for 3 years, and every employee who I've ever spoke with has been very considerate and helpful. I was 2 weeks late this month due to a family emergency. When I called to make my payment, the representative asked me how much I wanted to pay and I told them my normal payment, and offered to pay the expected late fee. After explaining why I was late, they were kind enough to waive the late fee due to my circumstances. This is a company that financed me due to credit problems and could have refused my application. I have dealt with major lenders, you know, the ones that fly corporate jets to Washington, and Westlake Financial has treated me 10 times better. Thank you Westlake, for your patience in these tough economic times. Maybe you should advise major lenders how to respect the little guy trying to make ends meet. Keep up the good work!

I have been dealing with the bad CSR from Westlake financial as many people on here have been. Is anyone doing anything?? I would like get involved!! They are rude and have disclosed my personal information to references and harass me and them!! I need information on what can be done. I live in PA and am now looking for a lawyer to help.

Okay so I read this report and is anyone had any result on the proceeding with the legal actions. I mean I tried contacting lawyers and Im still waiting to proceed with a class action lawsuit against this company we need to do something this cannot go on..We all need to stand as one even if this has to go to a type of supreme court or in the media people need to know who this company is and what their representatives do because I can tell you surely they are not legally conducting their business.

I also have had problems with West lake I received a car loan from them and they gave me a deferment on the first payment for getting the loan. By day 30 my car radiator broke and down so I bought another one and replaced the battery. and would pay my car note and late charges my next check in 2 weeks making me 14 days late. They repoed me in 10 days from the due date. I called to inform them of the situation and wanted to know what I could do to get back my car. They wanted proof that I had repairs done because they did not believe me. After I faxed them the proof they informed me that it did not matter I had repairs . To get my car back I had to start over, I had to have 10 refs proof of insurance etc on top of all the fees, after getting my car after about 6 months I requested a due date change so I could balance my note and rent easier after that I got sick and could not go to work for a while so I called in for a deferment the man I talked to told me that I qualified because I payed 6 moths in a row on time I just need to pay 1% of the loan. 60 bucks he took my credit card. Something told me to call after 5 days, just to make sure every things good, when I called another guy on the phone told me that I did not qualify because I had a due date change and a deferment request with out a payment in between, the first guy I talked to did not tell me this, well I told them I would need some time. that Friday I gave them every dime but 41 dollars not having it and not wanting to borrow. once again I got a felling in to call, they told me that if i did not pay the money the were going to repo me and i was on the repo list over 41 dollars! no one called the first time to tell me that I really did not get the deferment and no one called me this time to tell me that I was on the repo list, and were was the 41 dollars like collectors do. they must make more money off a repos and court fees then a loan thats why they repoed me in 10 days the first time. told me that it did not matter that I was told that I qualified for the deferment that it was a training issue and they wanted the 41 dollars! now! please don't use this company.

Westlake has harrassed all of my references , my mother has even contacted an attorney as they leave detailed account information with threats on her machine-she still has them , they have spoken to and threatened my 13 year old with my arrest as well as his , they discussed my entire account activity with my ex-husband and explained to his my child is being charged as well as me and we will be arrested this monday.
they refuse my payments and a collector actually stated to me -" we only finance 2 kinds of people the kind we repo and losers like you! and if you dont want your car repoed get financed elsewhere" I asked if I were to pay would the account be ok she stated " no you are a risk and even if current we will repo as I have plenty of equity for them to make money" I was also called a welfare momma, and told they would report me to child services for fraud.

agent john ruiz has called to my ex-husband stating to him I as going to prison that he needs to take my son and even if I turn over the vehicle they will still pursue fraud charges. I am scared to pay them as they have stated they will hold my funds and not apply them to my account and still repo my vehicle, and that I should give my children to people who can pay their bills . also when i call back the phone numbers they call from they refuse names and company name , when I give them my name I am transferred to a fraud investigator for charges filed.

Agents also keep calling saying they have an appointment to pick up my vehicle and to arrest me .
I dont know what to do , I am scared to pay and cant drive my vehicle they will not even give me payoff.
My contract originated in florida, my mother is in northcarolina, their in california - they have broken the fair debt collection practices act in many ways .....Please help - Im scared they will jeopardize my childrens custody and my vehicle - they have already embarrassed and destroyed my credibility and privacy- even my relationship with my references .
how can we file suit if we cannot contact each other????? please help

I have read your comments and like you I am also a victim of corporate fraud perpetrated by WFS Financial. There has never been a better time than now to take action against Wachovia Dealer Services aka WFS Financial. You can reach me at:



Contact ASAP.

Thanks

I also would like information on filing a lawsuit agaisnt WFS, someone PLEASE contact me with information. Thank you kindly, Matthew.

I have been paying $513/mo for a 2004 Toyota Tacoma Truck since 02/04. I was paying to WFS at first then all of a sudden I was paying to Wachovia with no prior notice that I can remember. I really need to know more. Please contact me.

Chuck and others,

I finally for the first time in a long time feel encouraged after taking a look at the over 84 Rip-Off Reports on WFS. I only hope that it is not too late to be a part of one of the class action members. I had a lengthy discussion today with the Federal Trade Commission and while I was doing my harassment claim for their refusal to cease and desist making 5-6 calls a day to my employer not to mention the calls from as early as 8 am to 9 pm at night, while I was out on disability and in fact since opening an account with them.

I was encouraged by the representative to check the FTC's website to see if any class actions had already been started. They advised me that WFS has violated my consumer rights. I have not taken a closer look at my statements to see if they have not been properly posting payments to my account, or improperly assessing late charges to my loan but I will now. This was my last 12 months of payments. Not uncommon to others I too have a REPOSSESSION reported on my credit file that is further ruining my credit that erroneously states I was 2-3 months more behind than was in fact the case. I had this verified through another local car finance department. So this whole arrangement almost from the start has destroyed my peace of mind and is both burdensome and oppressive!

The long and the short of it is that Westlake repossessed my car last year on the same day that I was receiving my paycheck and had the tow driver pick it up even after I made the payment via telephone with the representative in their collections department on a current month's payment. It cost me over $3,500 to get it back and then just last month without any prior oral or written notice a few days after a threatening call (one of many) I received advising me to, "...it is in your best interest to contact us before ---- p.m. today" the van mysteriously was moved even though it was not working due to mechanical problems, no signs of theft, tampering or vandalism was anywhere at or near the place where it was parked in a residential parking complex.

Like you and many others that have and continued since I became under contract with them I have been subject to rude, argumentative representatives by the dozens, faced multiple threatening and belligerent harassing calls to me. Personal reference regardless of it being family, friends or acquaintances despite my repeated requests for them not to do this have also experienced vague, confusing and deceptive collection calls. When calling these personal references at least this last time they asked for me directly as if that was my own work contact number at my friend's job. I felt that this was a deceptive, unethical business practice called "twisting" and a means of coercion as my friend who is not privy to my contract with WFS is not a co-signor, trustee or agent and knows nothing about my account. I feel that this tactic destroys, demeans and infringes upon my private information so as to defame my character going beyond fair business lender practices.

WFS has to this date failed and refused to admit that they took possession of my car last month either through oral or written correspondence, failed and refused to stop harassing my employers, personal references and suspiciously been responsible for the suspect removal, tow and later vandalism to the van less than a week ago.

HELP!!!

Thanks,

Gina
Oakland, California
USA

Chuck and others,

I finally for the first time in a long time feel encouraged after taking a look at the over 84 Rip-Off Reports on WFS. I only hope that it is not too late to be a part of one of the class action members. I had a lengthy discussion today with the Federal Trade Commission and while I was doing my harassment claim for their refusal to cease and desist making 5-6 calls a day to my employer not to mention the calls from as early as 8 am to 9 pm at night, while I was out on disability and in fact since opening an account with them.

I was encouraged by the representative to check the FTC's website to see if any class actions had already been started. They advised me that WFS has violated my consumer rights. I have not taken a closer look at my statements to see if they have not been properly posting payments to my account, or improperly assessing late charges to my loan but I will now. This was my last 12 months of payments. Not uncommon to others I too have a REPOSSESSION reported on my credit file that is further ruining my credit that erroneously states I was 2-3 months more behind than was in fact the case. I had this verified through another local car finance department. So this whole arrangement almost from the start has destroyed my peace of mind and is both burdensome and oppressive!

The long and the short of it is that Westlake repossessed my car last year on the same day that I was receiving my paycheck and had the tow driver pick it up even after I made the payment via telephone with the representative in their collections department on a current month's payment. It cost me over $3,500 to get it back and then just last month without any prior oral or written notice a few days after a threatening call (one of many) I received advising me to, "...it is in your best interest to contact us before ---- p.m. today" the van mysteriously was moved even though it was not working due to mechanical problems, no signs of theft, tampering or vandalism was anywhere at or near the place where it was parked in a residential parking complex.

Like you and many others that have and continued since I became under contract with them I have been subject to rude, argumentative representatives by the dozens, faced multiple threatening and belligerent harassing calls to me. Personal reference regardless of it being family, friends or acquaintances despite my repeated requests for them not to do this have also experienced vague, confusing and deceptive collection calls. When calling these personal references at least this last time they asked for me directly as if that was my own work contact number at my friend's job. I felt that this was a deceptive, unethical business practice called "twisting" and a means of coercion as my friend who is not privy to my contract with WFS is not a co-signor, trustee or agent and knows nothing about my account. I feel that this tactic destroys, demeans and infringes upon my private information so as to defame my character going beyond fair business lender practices.

WFS has to this date failed and refused to admit that they took possession of my car last month either through oral or written correspondence, failed and refused to stop harassing my employers, personal references and suspiciously been responsible for the suspect removal, tow and later vandalism to the van less than a week ago.

HELP!!!

Thanks,

Gina
Oakland, California
USA

The problem is we cant contact each other to get a lawsiut going this realy sucks I love this web site and I wish there was a way that we can contact at least a lawyer !!!!!! if any one out there knows of a lawyer that will handle this just put there name on and we can track it And then we can get something going, im sure we would all agree.

Please I would like to join your case as I to am being ripped off by westlake financial services Thanks Mike

I am in texas and am open to filling suit please contace me

I worked there it WFS not Westlake Financial. Corporate was not in Irving Texas its in California. As far as it goes with insurance, sometimes the dealerships do not send the ins info correctly and WFS will ALWAYS send a letter before putting on the insurance to the loan. They have to do this to protect the collateral, if someone did not have insurance and totalled the car how many would actually pay off the loan. I know it can be a pain in the butt but if you send them the proof that you were insured they will back off all the charges. I have a loan with them now and I switched to a new ins company and that happened to me but I had no problem getting it fixed.

If you are going to change ins cos call them ahead of time and fax them proof. I just dont find them to be a bad company, I no longer work there but I never found them shady at all. Fact is you have a loan, it has a due date , they are a lender not a dealership so they are not responsible if you bought a junker the dealership is, you are responsible to keep insurance on the vehicle if you dont they will protect themselves.

If you are going to be late, call them. Im late this month but I called them and told them so and they were absolutely polite and understanding. Oh and just so you know if you have ins past due on the acct your money will go towards that before the principal. That insurance covers only the actual car so it is not good to be using that you need to get your own coverage.

Undego unfair conditions and situations where WFS is violating the lawby making financial misstatements, failure to treat its customers fairly, charging disproportionately high penalties, inappropriately exclude or limited the legal rights of the consumer, obliging consumer to fulfill all his obligations where the WDS does not perform there's, poor quality service, persistent breaches and a slow responses, failure to maintain reasonable procedures in operations, failure to keep accurate records, illegally reporting negative credit standing to external groups causing harm, failure to complete requests, failure to provide the appropriate degree of protection for consumers; failure to correct unethical actions, failure to investigate and process complaints, failure to refund or pay, illegally charge account and failure to employ competent staff who can attain the information needed to act intelligently rather than more willingly to unprincipled and unprofessional behavior.

It is apparent that the customary manner in which Wachovia Dealer Services conducts daily business is in violation of compliance. We need to pressure appropriate authority to enforce remedial action on Wachovia Dealer Services "ignorance of rules" and unethical practices. Wachovia Dealer Services needs to abide by the laws, rules, and regulations that exist to continue orderly and effective business dealings and that helps us consumers achieve fair deals.
Unfair and unethical treatment

I have experienced rude threatening calls from this company, as well as calls to me the day of due date on my lease agreement.

Never experienced any diversity; always speak with hispanics was accussed of lying about the people I know, was threatened with calling all my contacts to notify them of my failure to pay.

My car note never seems to go down, it always seem to stay at the same pay off amount no matter how much I pay.

CSR Rick and associates willfully type inaccurate information into an account re: payment agreements/arrangements. Then deny when issue is addressed by me.

THe Camino Real Auto Dealership, sales person willfully lied about my credit score and said it was 420 at the time of contract initiation and maintained after signing.

My credit score has never been 420 in my life. I addressed this to general cust service , found out my account is always forwarded to collections. Was unable to speak to anyone regarding as to what to do about this.

I suggested that my loan needs to be reconsidered.

Another time I brought up this (420 false score issue) to a person in collections who after calling my house did not identify herself, only by saying,"It's Me, from Westlake Financial.", only to be told that it dosent matter, that I'd already signed the contract.

I am interested in A Class Action Law Suit, Please Contact me asap:(((ROR REDACTED)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I have had nothing good come from Westlake. They are nothing more than a sore in my butt. I have always made all payments on time and after having my loan with them for 2 yrs and it is a 3 yr loan. the starting amount was 11000.00 and is now 12000.00.

So yes, I completely understand and would love to take action againt the company. My payments started at 416.00/mo and are now 560.00. Tell me how that is legal and how that happens when all payments are being paid. And yet what is really funny. is that when you call there, they are very nice until you get someone else on the phone, then that person tells you, " I don't know why the last person told you that, their not suppose to tell you that but yeah he/she is right")

They will admit to all of their faults but will not correct them because that is how they make their money. It is very sad.

I think I have counted at least 6 or 8 people who are interested in a class action lawsuit against WFS. Lets get together on this....so they cant keep doing this. everyone interested e-mail me with WFS lawsuit in the subject line. I will do all the footwork for getting an attorney if I can get enough of you to join in.
here is my e-mail
(((ROR REDACTED E-MAIL ADDRESS FOR SECURITY PURPOSES)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

I didn't have one bit of trouble with them. Not one.

I didn't like their interest rate (and I knew it was high before I contracted with them) so i refinanced my car with another place.

I heard they even pay a commission to the auto dealers - can they do that?

Same problems here. I will go into details later. I would like to entertain the lawsuit as well.

Do not ignore problems or assume if you refuse to cooperate until the point where the issue is resolved that it will simply go away because you feel strongly that you are right.

Auto finance companies normally search a common insurance database (or pay a third party to do this for them) This data base is maintained by insurance carriers. If your information is enterted incorrectly or missing This happens a lot especially from smaller insurance companies. Here is a typical example Your insurance payment arrives late. It Dosent matter when you mailed It only matters what day it was received. because of the late pmt Your insurance company enters a cancellation of the policy into the database. 2 days later your pmt arrives and the insurance copany reactivates the policy. If they dont correct the database and you show as being uninsured. Then you will be asked to provide proof of insurance. You have 90 days to provide acceptable proof of comp and collision. If you dont it will be added and you will be billed.

Most finance companies dont care if you have liability or not.
The insurance in question is comprehensive and collision. If its missing they place collateral protection insurance on the vehicle. this means if you are driving down the street and you hit a mailbox the car is covered but the mailbox is not covered. You can replace the word mailbox with any other object living or inanimate.

It is your responsibility to provide proof of insurance for the life of the loan.

If the collateral was not insured no one would buy the Finance companies stock.

Keep in mind investors (including pension funds and mutual funds)who lent you the money to buy The vehicle you said you wanted and signed a contract to pay for Do not care why you are late. They dont care that the pmt was lost in the mail, or that you forgot, or you didnt open your mail, or you were too busy,or that the vehicle broke down the next day(tell the car salesman about that issue).

If you dont know what a simple interest loan is look it up. Some companies still offer rule of 72 or is it 78 (i forget) loans. Compare the 2 and you make the call.

Simply ignoreing problem situations will not make them go away. Reposession is generally a last resort for finance companies. Simply because auto finance is an industry where "charge off is king"

usually the decision to reo is made when the finance company makes the decision that the collateral is at risk or it becomes too expensive to continue the business relationship with you.

Collections efforts cost money and that increases rates for everyone else.

know this: with some variations in state law and in accordance with fdcpa

Auto Finance companies can call the references you listed on your loan application to attemt to determine your whereabouts.

Run you credit report to see if your financial situation or demographics have changed.

Send a representative to your home other attempts to contact you fail. Dont be afraid of physical harm these door knockes are concerned with the collateral and not you. You would be amazed how many people ignore the mail and phone once they run behind on their bills.
The door knocker gets paid to do the following

convey the message that you need to pay you bill
assess the collateral.
What condition is the unit in, what color, how many miles, Where is it parked etc.

Speak to your neighbors if you are not home or chose not to answer. In this case they will ask the neigbors if ** insert your name still lives next door** also if they have seen the colateral.

Once again There is no bonus for breaking your kneecaps this is a business transaction.

Once the decision is made to repo the job is normally given to a local contractor. These are not finance company employees and usually they dont get paid until they deliver your car.

In many states all of these extra charges will be billed back to you in the end along with any fees to prep the car for auction and if the vehcle sells for lees than you owe you can expect to be billed for this as well.

Your credit could be significantly damaged after about 24 months of this when you finance company will attempt to cut it losses and either resell the debit to a collection agency or do a final charge off and report the loss to the IRS at which point you could be taxed on the companies loss as gift.

If you cant afford it dont buy it. If you are offering a pmt arraingement past the due date the company does not have to accept it. This means at 17 days past due you may call to let them know you are mailing a pmt and they may respond thank you but we dont want you to put a pmt in the mail at 17 dpd. It is within their right to ask for an urgency pmt e.g money gram western union etc. One day late is late. If your financial situation changes during the life of the loan dont hide. finance companies have tools to help you keep you car. But paying five years on a 72 month loan will not convenience them to call it even. Remember for these companies charge off is king. High charge off displays a failure to resolve delinquincy and potential investors watch this number.

I have had the mis-fortune of being in a " relationship" with WFS for the last 5 years. During this time I have suffered enough trauma to last a lifetime. They have cost me my job ( their constant phone calls to my employer's home and calling my employer a " stupid idiot " and a "liar") I recently became disabled and am currently on SDI- my income is $1200.00 per month- WFS still wanted their 467.00 and showed no class by their methods of harassment. Sometimes people go through bad times and just need to get their situation's settled. sadly, none of the WFS employees have ever gone through tough times and it shows in their poor attitudes towards their clients. The mentality they posess is driven by greed,cruelty,heartlessness- Today was the final straw with me- I received yet another rude call from Desiree at WFS in Plesanton Ca. informing me she was sending an agent to pick up my car-So fine- take it WFS... I don't need you AND I don't need your car... take it,sell it, shove it- I am finished with you and I am glad- I have more important things to worry about than your petty Bullcrap. If it makes you feel that good to be evil, then great- this world is full of evilness and WFS proves the point. Am I mad that you people cost me my job? d**n right I am-and on that point, I am not finished with you people at WFS for that- You all will feel the wrath of your own evilness- and I hope I am around to see it. Just remember this- as you all sit behind your desk's and make your rude phone calls to your customers who are just doing the best that they can, if it was'nt for us.. there would be no YOU.

I have been away for a while working on a project for the state of California?.an 870 million projects and it has consumed some of my time.

I tuned in to see all of the new responses including query's with regards to a class action, further more in the process of collecting data, because that is what I do I investigate for the state and analyze I cam across two people who oddly enough the same d**n experience with none other than good ol' WFS?..

They too are interested in initiating a Class action law suite, Isn't it so d**n coincidental that so many are experiencing the same stupid crap from this company.

Well all of us really bad Must Owe the Great and omnipotent Mighty Mighty WFS and apology, because with out them would not be able to have a 15 year old vehicle at new a vehicles capital outlay.

d**n?., I SO NEED TO BE ABUSED AND I AM JUST LOOKING FOR SOME BIG AND RICH FAT IDIOT TO COME AND TAKE WHAT MONEY I HAVE.

HEY WEIRD I SEE YOU DID EXACTLY WHAT I ANTICIPATED YOU WOULD WITH THE TRANSLATION.

NO DEAR YOU ARE NOT GETTING AS SMART AS ME. IF YOU WENT OUT AND RENTED A BRAIN IT WOULD NOT HELP YOUR CASE AT ALL.

LET'S ADDRESS THE TRANSLATION FIRST?.YOU OBVIOUSLY WENT TO A COMPUTER ONLINE TRANSLATOR, JUDGING FROM THE CONTENT OF YOUR PATHETIC REDERING PROBABLY BABLE FISH OR ONE SIMILAR.

THEY DO NOT TRANSLATE. THEY GIVE GENERALIZATION INTO LANGUAGE CONTEXT. YOU SEE THE SOFTWARE CAN NOT UNDERSTAND WORD USUAGE, KINDA LIKE YOU OK, A PROGRAM WILL ONLY MATCHED AND DELIVER THE MATHEMATICAL EQUIVALENT THAT IS CONTAINED IN A NON-RELATIONAL DATABASE. OH HELL WHY AM I DONING THIS???? I MIGHT AS WELL BE EXPOUNDING TO A FROG.

AT ANY RATE THE STATEMENT I MADE WAS SIMPY YOU ARE (WEIRD)??.NOT UNCANNY. FORGET IT?WEIRD GO SIT DOWN AND TAKE A LATTE AND TURN AMERICAN IDOL OR YOUR MONIKER DEPARATE HSE WIVES on ans watch the program.

Hey Jill or Weird or whomever you maybe You are a liar, you are WFS ?you are an employee of WFS?..You see I am the Original post of this particular page and if you really want the truth look to Lieff Cabraser law firm in San Francisco if in fact you are not already familiar with them.

They are involved in suing the crap about of WFS for predatory lending practices in this instance it is Racist?.not only do they steal from their current clients but WFS Charges certain classes ethnicities higher interest rates based upon COLOR?DO YOU NOW GET IT, these people are Criminals.

Want rpoof call the law firm or search Lawsutis and WFS it will pop up. I know I have been incontact withthe law firm directly.

They in fact in violation of the constitution of this country and the ideologies espoused through the Bill of Rights.

This Law firm has on Staff Bill Lee former Head of the DOJ (Huh for you idiots who take solace and or pride in being intellectually challenged) DOJ ? Department of Justice for the United States He also was Chief Counsel for the agency with regulatory and enforcement of this country's law via the Attorney General office.

Translation for the neophytes: He was the Big guy with all of the power to make people obey the law of this land a to mitigate issues involving high crimes in this country.

Oddly Jill enough you send the same idiot spin that the other WFS non cognitive neophytes seem to send for some reason or another, same ol pathetic tired a*s spin and lies. I don't know maybe you are sharing Lattes with Wierd of B.H.

I think that is why I stayed away from this site doing my work for a while, ya know the WFS Reptilian (IF) syndrome, OH (IF) acronym for Idiot Factor.

As for Evidence why is it Jill just like Weird and one other post on this page all seem to want evidence?..Wake up .this is a blog page located on a server?HUH sorry, again, I made a silly presumption, I forgot you are not intelligent ?Server?Not someone serving a cocktail party OKkkkk?Server as in A Dedicated computer acting as a conduit and or connection source for you to access and place you stupid responses, about a thieving low life group of slimy bottom dwellings abusive money grubbing Jerks such as WFS, who will ultimately lie and prefabricate any circumstance to get money by victimizing honest people at any cost.


Re: Evidence:

Again since this is a server dedicated to posting complaints about WFS Please bear in mind; evidence can not be present here in terms of exhibits, so you have to go with the written word. That being said; please take NOTE in my post I provide you with such (evidence that is) I.E. The DOI (State of California Department of Insurance) investigated my complaints regarding WFS the DOI saw and concurred that at all times My vehicle from the time it rolled of the lot to this very day is, was, and have always been INSURED.

When the DOI was investigating WFS on the Illegal insurance additions to my account While taking my payment and using the payment to pay WFS bogus insurance. During this time and in the middle of an active investigation WFS tried for a 6th time to add insurance top my account with them, and the investigator caught them red handed and ordered them to remove it immediately.

They told the investigator it was an oversight, in spite of the fact that they as added insurance just 4 months previously?Caught in the act IDIOT do you get it?.NOT, by this time I have 48 months of insurance on a loan that has only 11 months left to pay on.

I am an analyst for the state of California?now tell me Jill give us all an expliantion as to how you can insure something you will ultimately have no interested in.

How can you insure an fiduciary interest in property that you will no longer have an interest in once the term of the loan comes to Maturity (You Know Maturity, Right that which you obviously do not possess.

In other words WFS is insuring my vehicle for 36 months after they will not longer have and interest in the loan on it as collateral. ?YOU CAN NOT INSURE AN INTEREST OF COLLATERAL THAT HAS TERMINATED.

ATTENTION EVERYONE WHO READS THIS: PLEASE BE ADVISED THAT WFS HAS EMPLOYEES DESIGNATED TO ATTEMPT IN WHATEVER FEEBLE WAY THEY CAN TO DO DAMAGE CONTROL ON THIS ISSUE BECAUSE IT IMPUGNS THEIR (OH HERE IS A GOOD ONE) IT IMPUGNS THEIR CREDIBILITY?.?AS IF?

The reason WFS is now aware of this site is because of the numerous complaints filed against them, I know because I have personally file six and am filing six more.

Now for evidence agains for you when I sent out my Book and yes I did say book because I have everything digitally evidence, I have also included this page and the complaints posted actually up to
2004.

Jill

1.) paid my note on time in fact I evoked a Principle Reduction?.that is when you pay more than you are contractually required to. It reduces the principle faster if you designate it to the lender, or you can simply overpay every month and pay the loan off early and that is what I did. I paid my loan off early, well as outlined on the contract any way, but you see WFS was too busy misappropriating funds to an insurance policy they did not have to right to place on my vehicle.

WFS partner with Balboa Casualty and was saying because they were applying my payment to a policy they did not have the right to add to my account in the first place. Further, they now were saying I was not making my payment on my account.

So I am now delinquent and they had the right to reposed my vehicle. My car was and still is insured, and they did not reposed my vehicle because WFS know that all payment were in. I sent in all payment certified funds. And I digitally Scanned them all 41 out of 49 payment, remember I over paid thus my loan pays off early?but just for good measure I sent WFS one additional payment. I have a reason for that.

When WFS saw what I was doing they knew I had paid off the loan early so now they turn the loan over to a collection agency Call HI-TECH over there in your neck of the woods Good ol Jill. Well HI-TECH write to me and says hey you owe WFS $7,000.00.

Now do the math again I borrow from WFS 9,998.00 and I pay 350 to 455 every month for 42 months all of the payment total over $15,000 for the period of the contract.


The contract pay back is $14,300.00??I have in fact a contractual over pay. HI-TECH follows the law and request substantiation of discrepancy if in fact I do not agree with the debt. I wrote HI-TECH them back with my payment schedule and a full explanation and also proof that the State of California's Attorney General office was now investigating them here in southern California and a lady by the name of Kathy as filed a similar complaint in Northern California.

I called HI-TECH and spoke with one of the managers and told them that they had been setup, he said nothing. WFS sold them a loan that did not exist. IT IS CALLED THIEVERY UNDER THE COLOR OF AUTHORITY.

HI-TECH step off and told they want no part oif ti. But you see What WFS did they collect my money for 42 months and when it paid off they LIED a fellow business and past my account off as a deadbeat debt and sold it to HI-TECH.

Usually in these scenarios collection companies buy defaulted loan at a discount rate around 25 to 50 cents on the dollar?so in effect WFS collected twice on my loan with them and at the same time washed their hands of the loan so they would not get caught in the mist of further criminal activities.

So WFS has known about this site back to at least 2005 when I began my campaign to expose them.


They were frantic at the beginning so it is apparent WFS is sending Employees to this site to do damage control and that is why you will get a NUT case on this page every one in a good while talking crap.


I ENCOURAGE ALL OF YOU WHO HAVE LIGITIMATE COMPLAINTS TO CONTACT YOUR STATE DOJ AND OR ATTORNEY GENERALS' OFFICE AND COMPLAIN. I MAY NOT DO TO MUCH GOO DEPENDING ON WHERE YOU ARE, HOWEVER, THEN AGAIN IT MAY. ALSO CONTACT EVERYONE YOU SEE ON MY INITIAL POST AND FIND THE SAME REGULARTORY AGENCYS AND GO TO THEM AND TELL THEM?..REALIZE THE WE ARE IN A CORRUPT SOCIETY NOW.

IN THE PASSED OUTFITS LIKE WFS COULD TRIVE BASE ON DEVIOUSNESS UNDER THE COLOR OF AUTHORITY, BUT NOW THE GOVERNMENT HAS HANDED OVER THE THRONE TO THE CORPITIST AND THEY ARE BECOMING EVER MORE EGRIOUS IN MAKING EASIER AND EASIER TO STEAL.

Lets all contact Lieff Cabraser law office in Los angels California an initiate a Law suite collectively, why they are already familiar with them and if enough of us are will to do so we can finally make a stand.

You do not have to reside in the State of California to so this. Complaints have been filed against WFS in the Los Angeles Office and in Northern California as well, the San Francisco office. I have three people I have met because of all of this. Many o us as in my case as well have endured hardships that have devastated us financially and have no choice to buy a used vehicle, unlike a friend of mind who just boughT a use vehicle for his daughter and he had the same and Identical scenario ans circumstance occur with him, as what happened to me.

He went through the insurance scam also, where WFS was adding bogus insurance to his account and he had full coverage through his own insurance company and this guy runs a business with a fleet of trucks he must always maintain insurance for his vehicles it is his livelihood.

So ignore the idiots from WFS because they are here on this site with us an are trying to paint a positive picture about WFS?.there is no glory in theft from those struggling to make a living of a traumatize financial infrastructure.

Stand up every one and vow to no longer be a victim. April 31st let's all call the Los Angeles office Lieff Cabraser and solicit services as a collective unit to sue WFS??Leave you name and number with the law firm. I will establish a POC ?..for you and we can finally get together, this site will not all you to exchange do to potential mitigation issues which is more than understandable.


Alwasy remember to engraciate yourselves in the lightof Gods truth and man man's percieved truths.

Perceived truths are those that allow the sociopaths to live with themselves. However the reality of this is they never escape their crimes, for the crimes they bring against you they have already brought against themselves.

Thus the reason for frantically always telling the same lies over and over, and over again. it is part of the old Regan ideology, if you tell a lie long enough soon all will except it as the truth.

Also mentioned in the Bible those who do bad long enough soon has difficulty differentiating between Right and Wrong

Good luck to all of Remember 4/31/2006

I have a loan with WFS. I have had 2 loans with them. They are a secondary finance company, for folks that can't get a paper low interest rates for whatever reason. That is why we have a brand new car, that a regular bank would not provide, due to high balances on credit cards. (debt to income ratio too high). If it were not for companies like WFS, some people would not be able to get a car loan.

I AM NOT AN EMPLOYEE OF WFS.

Next, If you pay on time, and keep the required insurance, you won't have these issues. We have never.

Get your facts straight before trying to make a company look bad for your credit issues. Try thinking about it before you decide to post at 3 or 4 am with non sense that has not been proved. If you have a legitamate complaint, take it up with an attorney.

This company is taking advantage of people with bad credit, using SS and KGB methods to call you and harass you. As soon as you you question anything or complain over something over the phone, they flip out! I went to my local WFS collection call center and was shocked - the door is locked shut, the windows are tinted, I thought I was able to make a payment in person at that time - an angry looking lady came out and quickly told me to sit down on a little cloth-chair sitting there like an idiot, just to find out that I couldnt pay in person.

I questioned WFS's relationship with the used car dealership that provided WFS with false information on purpose just so I would get accepted. When mentioning this to a supervisor of WFS over the phone, she completely freaked out and shouted at me as if I were her kid. Check this out: I left to Europe to visit my family, knowing that my car payment was going to be a little late (which I had told WFS before I left) --- they actually called my father and mother's house in Germany and threatened me, telling my parents all about my personal affairs and financial situation. I've been in the States for 5 years, it is impossible to have good credit when you come here with nearly nothing (by the way I am a citizen since birth).....

First off, WFS is sort of broken up between branches and centers, all this has to do with how the loans are serviced and thier deiquincy. Thier is a corporate office in Texas and one California, with an Asset Recovery Center (ARC) in Ontario. Now as far as Getting an Attorney , the idea here is to get one, that is really knowledgable in the F.D.C.P.A., Fair Debt Collections Practices Act. this is a federal guideline which governs the manner and way a company can collect it's debt, and also has very specific protections for you the consumer. from what you have said thus far there are several vioaltions at hand and you really don't need to wait on classaction to get this going in your favor, and if your attorney is bright enough , he will know how and why, he can compell WFS to give up information that will so to speak hang themselves. This action alone will give you the class action you are looking for.

One last thing, remember anything offical can be changed prior to being released, so when you want something be thier to serve and pick up hard files same day and have enough people to watch over copying of hard files and printing of computer file notes.

If you really need more info, go ahead and e/m me or have your attorney contact me.

sincerely

I have been reading through posts and am amazed that there are so many people out there who have taken it from WFS. I too have been verbally abused, insulted, degraded and made to feel like my common sense means squat. WFS is a rip off, scam and I just wonder when anyone other then the consumer is going to take a stand with this tyrant! I also find it interesting, bordering on hilarious how "WEIRD" in Beverly Hills has a tone and speaks in a condescending tone that has become synonymous with WFS employees.
Keep showing your true colors sister.

Morning,

I can concur with the statements in regards to Westlake Financial. I recently had an individual stated out at my home for several days after I had called the company. The vehicle shining headlights at my home and then driving away. I have experienced the same issues as those here. I would like to included on the class action suit. Social frowns upon those whose credit is not perfect--but it is not fair that we have to pay with such non-professional business ethics.

I have my own story on here. Should be posted within the hour under Desiree of Phoenix or Avondale, AZ. Read my story. Im interested in a class action lawsuit and I have the AZ Attorney General behind me with recorded audio tapes. They sued me in September of 2005 and under the heading plantiff it does in fact say Westlake Financial Services, Inc. Contact me ASAP with information regarding any present or future class action lawsuits. Im in. I have PLENTY of lawyers wanting the case.

This is what you said:

Ich stimme mit Ihnen Sie Unheimlich sind berein

"Quote"Huh sorry switch reels this is in German, see if you can figure it out. I know you will go and ask some one who more than likely smarter than you, that's right someone like me. (then you will lie and say you did it."Quote"

This is the translation:

I agree with you you are uncanny

Answer to your statement:

I did not go and ask someone I don't have to do that. I am a very good internet user and I know how to do searches online to find out lots and lots of information! Oh boy! I'm gettin smart! :) I think that everyone is smart in their own way. In no means am I trying to compliment you, but I am completely different than you. I don't try to degrade people and try to hurt people. You speak of companies hurting you financially. Well don't you want to thank the company some things? Can you find the good in anything? Or are you really this bitter?

Oh BTW I'm posting this at 3:45 A.M. and I won't tell you what time zone.

w0w "C", "Chuck", or "Charlie" or whatever else you want to give yourself a name of.

This is a place to discuss a business. Now you have said a lot of bad things about WFS... But you have yet to present any proof. No details... You have made several claims but they have not been proven to be correct.

second/third paragraph it appears that you have finally left the name thing alone... That is a good thing because there is another company called Westlake Financial and you don't want to talk bad about a company you have never done business with do you?

You answer the language question... What does it matter that you can speak in different languages. Thanks for taxing my mind. ;) Nice of you to degrade me.

I get a kick out of reading what you think about me. Maybe you should start a new board for me??? Seems like you like to talk about me now more than WFS.... For one thing your way off. I don't live in California. Matter of fact I have NEVER even been to California.

I still pose the question how did you get all them degrees without stepping a foot in college? hmmmmm....

Also - the person in Texas that you said some good things about... How do you know thats not me? One thing is for sure, the corporate office is not in TEXAS... The department called "Office of the President" in Irving/Dallas Texas was not open until late 2003....

I share my research. Why don't you? You have made a lot of claims but can not back them up. Where is your contract? Where is your proof that you were over charged? You have none that is why you complain on a message board. If you had real proof it would be over and done with. I feel sorry for you. You obviously have bad credit. If your interested I could give ya some tips.

I'm just sorry that it comes from having been a victim. I'm sure you know that this company is not the only preditory lender. All of the finance companies run by Berkshire Hathaway (Vanderbilt, Wells Fargo etc) and all of the institutions owned by CitiCorps. Knew to the band wagon, are Bank of America.....

Heres the deal. All BANKS are regulated by the Federal Goevernment. All FINANCIAL INSTITUTIONS (usually liscenced under insurance) are regulated by the individual states. Because they have offices in many states, they are untouchable by any one state in particular. As of this date, few states have had the financial resources to take on one of these finance/insurance companies on a federal level lawsuit. Remember, there are no federal laws. The state's only option is to sue. How many subsidiaries are there again?

So then, we as citizens are obligated to pressure enough of our House and Senate representatives to create federal laws to protect us. It is up to us to demand a minimum. Unfortunatly, the same people who are stealing from us are also feeding us.
Your 401k, Your retirement policy is giving to a investment company. (guess what, owned by insurance/finance companies) to trade in the very same stocks who got wealthey ripping you off. If you shut them all down, you will have no retirement, everything would be effected, utilities, grocery stores, any company that has any kind of retirement policy. Our intire economy is being balanced on the greed of these very same finance companies.

So what do we do? I have no idea. Is it an arguement for socialism? Am I willing to give up my decision to choose the career I want do? Do I want my government to grant me permission or decide what kind of home or car I should finance or own? And who's fault is it? My government for not protecting me? Mine for taking out that loan and wanting something? I don't know. I only know that changes need to accur, slowly and carefully, as to not upset the lively hood of my neighbors and my parents.

You hear a lot about frivolous malpractice medical suits. How they are breaking the backs of our health care. Yet those same people who voice those complaints to me also insisted I sue for an ifection my child recieved during a surgery. The point is: These financial institutions know what they are doing. They have been doing this for years, when did finance, insurance and retirement policies become popular? 50's 60's 70's 80's?
These companies know how many people they can rip off in any particular state before compelling PEOPLE to call thier State Representatives and/or making this a ballot issue......

In the short term. There are things you can do protect yourself. Put everything in writing, inform that all phone conversations are being monotored, dispute all claims you disagree with (in writing) and send ALL of your COPIES to your State Attorney Generals Office. Make sure you ask them for help or intervention, in writing, because privacy laws prevent them from doing anything for you unless you do. Look up your state laws to find other ways to protect yourself. File in small claims court against them. Go for the maximim allowance, still have that receipt for copy paper? Make them send thier lawyer, if they don't, you atomatically win. Stand Outside thier Office Building with a sign, springtime is a very busy season. Call the press and tell them what your doing and why. Be creative.

By the Way Weird _B.H. I check this site regularly just to keep spin addicts like you from perpetuating the lies and continuous deception. PARTICULALY WITH REGARDS TO WFS.

C-LOS ANGELES

First of all I'm going to address a couple of the preliminary misconceptions that you obviously are trying to run with as a way of spending everything but the absolute truth.

With regards to Westlake financial. I listed Westlake financial as some sort of connection to the Westcorp family. This became apparent to me after contacting the Secretary of State for the State California while investigating this I called Westlake and oddly enough an employee who visited my home for WFS, answered the phone and gave me his name when he answered. It was the same name, and man, I have spoken with this individual twice prior to him coming to my home 6n months later and leaving his business card, the same name was on the business card for him as a WFS field reprehensive.

Here is the fact stop spinning the issue about the name, the fact is no matter the Hell the name is WFS is violating law and damaging people. WFS is doing this under the color of authority (that means using the law to violate law. simplisticallyGet it)

This issue are not my typing, Intellect or you lack thereof, this is using the law to set people up to take with egregious accord monies WFS is not contractually entitled to. These are the issues No more no less.

It was easy for me to contact the Secretary of State for the State California in that I to reiterate and employed by the State of California myself.

At the end of the first sentence you me off from eight my initial contention with regards to Bushsonism stupidism with your statement and I quote " bring it on" he remember his idiotic photo op on the aircraft carrier, however you being the neophyte that you are probably found that so impressive.

With regards to what does having the ability to speak five languages have to do with anything, well I don't want to tax your little mind too much, so I'll just simply say, simply it has to do with the comment that you made before. Furthermore, the ability to converse in other languages is demonstrative of critical thinking, adaptability, and open mindedness all of which you obviously lack.

That of which you are apparently incapable of, at demonstrate as well by most people who I have met working for WFS. Thusly, your derisory resolve to this site for what you consider you din diminutive yet pugilistic assault in defense of WFS. Like so many in this country now who been absolutely dumb down you obviously are nothing more than a simple talking head.

I would contend that if you were to take Barbies head off of her little body and stick on yours, Discernibly one could possibly not tell the difference in the before or after condition.

To reiterate with regards to my ability to communicate in several different languages is demonstrative of the fact that I think critically and do not rely upon what is spoon-fed to me via media, as well as perceptions based upon false proclivities indigenous to the types of lies that permeate throughout corporate America, and most of the idiots in an absolute and abhorrent obsession with the acquisition of money. (I sincerely hope you understand what I just said, although, I doubt it, with statement such as OMG pretty much defines your intellectual prowess).

For all intents and purposes you are clandestinely a mental midget. Perhaps a Pappagallo (huh Parrot in Italian), sorry, truth is often ugly to the liars who hide in a house of lies and false perceptions. For all intents and purpose you possess a tremendous potential as we all do, It would be criminal for you to continue to waste it.

With regards to your statement pertaining to the girl in Texas, yes she has a name however, she took it upon herself f to look into my situation that she observed and later determined during out conversation and looking at my records for the moment what she still had access o my records. Furthermore to reiterate she embarked upon investigating the matter and was systematically told to back off and was locked out of being able to access my account, and further, as was told to referrer me to the Irvine office.

Yes she does have a name, and no I'm not to me tell you idiot because she was honest, forthright, resolute, and was willing to assist in this matter at that particular point in time. I do not know if she still working for your company, however I will respect her, and I will protect her by providing anonymity as to her identity. I do this out of respect for her, and her integrity, something you obviously know nothing about. I do this for her as well as her conscious and concerted effort to aid and assist me, but most of the respect she showed to me by being above all HONEST, that which most working for WFS lack.

I am not contemptuous of anyone who is honest, ethical, moral, and lives well within the realm of honesty, God's honesty, not some placated contrive preconceived notion developed and supported with a pompousness of pretentiousness laden in prevarications of what you see is what it is.

No, I look beyond the words and the B.S. You are here in California the absolute Capital of the biggest and most egregious liars in the country, fakes and pretenders to the thrown who are just like the rest, which are nothing more than common thieves, low-lives, scum, and vermin that soils the very decency that most of us look for and work hard for in life. Yet the grunts those people directed by predispositions of the Wealthy who have amassed their wealth by having inconsequential idiotic servants regurgitating the very garbage you are as well as standing at the door working for bread crumbs and espousing loyalty to the king (In this Case WSF) that is of course after taking your 30 lashes. No it is the proletariats in life that really make life but are in fact victims by you god the WFS's of the world. When you final obtain an intellect and grow a spin
let please let us know.

Please allow me to enlighten your little bit further with regards to this situation.

While coming across W. F. S. financial services I embarked upon investigating the company, by and large for the most part the majority of the information that I secured has come from the following sources.

1. State of California, Secretary of State
2. State California, Department of corporations.
3. State California, Department of finance.
4. State California, Department of Justice
5. The Federal Reserve Department, United States banking system.
6. The office of thrift supervision, United States.
7. FTC (Federal Trade Commission)

If you take issue with that of which I have simply re-canted then take it up with those aforementioned agencies since they are the source of my Intel.

I'm sitting here and I'm reading your third paragraph about the girl in that I spoke with in Texas, I cannot help but feel what a total simpleton you must be predicated upon ludicrous stupidity contained in your statements, alluding to your purported observations that is, if that is what one must call them.

Your statements regarding my comment about you slithering out of your Lair, where you state you really don't care what I say on here, that in fact you just don't have anything to do tonight.

I can see and formidably understand why you don't have anything to do tonight or any night for that matter, since obviously contentiously speaking of course, you obviously do not think beyond what's on sale at Nordstrom's and Macy's while sipping on you latte and stroking fluffy your kitty.

Sadly enough, if your comments on this site are quintessentially indicative of the breath, scope and depth of your intellectual prowess, not to mention mundane and ludicrous utterances of equal ludicrous stupidity and I can understand fully and completely by you are at home apparently alone composing what you think are intelligible responses to my post on this site.

In three words GET A LIFE" or into where it's better yet the what she do best " GO SHOPPING"

With regards to which one of your statements were idiotic, here I will say this only ONCE " THEY ALL ARE" HOWEVER I CONSIDER THE SOURCE.

Let's address the typing issue because to me that's fun. What is fun about it is simply this, unlike you I don't spin my time in the evenings addressing this because I have nothing to do.

I have a tremendous amount to due. Yes, I am a smart guy in fact I have an IQ of 142 but I'm older now, as you know unfortunately being in this country every once in awhile you will become a product of your environment. But Hell I do not have to tell you that, that's why you are at home tonight with the highlight of the evening making your posts to this site.

I can do things you can't even spell let alone pronounce.

And of all of my accomplishments, typing is really not one of them any longer. I say any longer because there was a time in which I made my living in writing incessantly daily. You see working for the State California assisted in providing me with a number of skill sets, additionally; I must clarify not provided by the State California, however the impetus for developing said skill sets was the State California. I am in a constant state of evolution learning and enhancing myself. I do have a background in mathematics, physics, chemistry, and other words the disciplines you ran from shrieking like a banshee in high school and college (presumptively speaking of course) because you probably couldn't handle it critically. I can draw these conclusions about you based upon your statements, further, I can see from your writing your preliminary ideology and functionality is simply, KISS (keep it simple stupid).

It's not about bragging, it's simply about getting an idea of who is posting to this site. Please forgive me for a moment I digress, with regards to typing, as I was saying, I was never formidably a typist, however as a commercial, and industrial real estate appraiser I had at one time typed all of my rep[orts which were and are full and self-contained in in-depth real estate appraisal reports.

And yes they contain serious analysis and mathematics. After doing this for the State California for more than 25 years, and can crudely independently running my own office for 15 years I have typed more than 20,000 reports. I must add however at the time that I had my office I employed then eight appraisers working for me and providing preliminary information but the in-depth narratives I typed myself. Now I tech real estate to those who take real estate exam for sales purposes.

Every time I've posted to this site it is always been at 3/4 o'clock in the morning at the end of my day. Just as you more than likely, as I alluded to before work for W. F. S. I know the mindset and approach is to do as much damage control as you can to augment all of the negative feedback coming into this site about W. F. S. Forget it you'll never stop it because WFS is violating late and participating in criminal behavior.

But with regards to the typing issue. My life I had one typing class when I was in the ninth grade, I was the only boy in the class. I took the class because I knew I was going to college and I wanted to have some sort of skills so that we able to crank out my papers work so for them so on as I saw down the line I felt it was a skill levels necessary to develop.

No I didn't develop well because typing was neither problem-solving nor critical enough in terms of thinking it was simply a case of memorization and perhaps not allowing your mind to get ahead of your hands or in some instances behind your hands.

Yes you're absolutely correct in your assertions and the context of your statement, in that the words are misspelled but not because of mis-spelling but rather poor typing along with factoring in fatigue and assigning a low priority.

Does not missed the words in this typed words, however far be it for the Kettle to call the Pot black, for in your pathetic effort to try to put something intelligent on this site discussing something only you can relate to the merger out of American Corporation and the issues pervasive with regards to it and referring to your statement regarding the Wachovia merger, case in point another talking head issue another corporate thief hiding behind the guise of law and purportedly doing the right thing. Please the names of God get a life.

Again to reiterate with regards to your last paragraph You should take a close look at how you, yourself Ms. Beverly Hills poet laureate you Spell (Spelled) as Speld region last paragraph please line three, further reference the word in bragging and the manner in which you spelled "Braggin" as well as the word surprise of which you chose to spell it Surprised, and what the heck is up with the way you spelled better "Betta" and your list obviously continues on.

With regards to comment regarding the interest-rate obviously you're unaware as to the underwriting process with regards to the purchase of the vehicle of any sort. Most auto dealerships will make a commitment to sell a vehicle to an individual. And in doing so nine times out of ten they do not place you with a specific lender right there on the spot, in most instances any, or at lest as my experience has demonstrated. Often, they will usually have one or two that they will submit your potential contract to, so in effect you really don't know who is given your contract until you get official notification or receipt of your coupon book. Granted some dealerships already have their lenders lined up. During the time my mother and I purchase our vehicle together the dealership had not Idea who they were going to submit the paper work to.

Furthermore, WFS did not become aware of this site until I submitted my very first complaint against them, to more than five regulatory agencies. I'm sure you probably already know I include copies of postings from this site in my complaint as evidence against W. F. S. when I filed my complaints.


WFS are predatory and are violating California state law as well as federal law with regards to finance and predatory lending practices. The real reason you come to this site is to do damage control for W. F. S. Do not waste your time. For all intents and purposes as I've been able to determine Westcorp is simply the parent company with a bunch of bad children that it does not know is misbehaving. It's really sad these companies have to hire people who are so unintelligent, so uninspired, as well as completely and totally unethical.

These idiots working for WFS came to my home would harass my 84 year old mother who by the was just recovering for 4, heart surgeries. Often coming to our front door and harassing her over Monies that WFS already had in their possession, making up and contriving issues to collect further monies they do not and are not entitled to.

If you can't see by all of the posts that follow and proceeded my post then you are stupid or just a callus and insensitive idiot. Further, and you'll deserve what life will bring to you, it's is so very sad to see people driven by stupidity yet the have a mind and capacity ot think but fail to use it.


Let me take it one step further for your since you are the Rhodes scholar of this site now, and Beverly Hills own poet laureate. This is for your won edification, My relationship with W. F. S. goes much further back than what I alluded to originally and initially in my first post.

Now with regards to W. F. S. I had personal relationship with W. F. S. some many years back, when they were in fact; Western financial Savings Bank which later lost its federal bank charter for abusive and predatory lending practices was also one of my clients. I appraised number of properties for them as an independent appraiser. In during meetings with W. F. S. I attended numerous meeting with the heads of the wholesale loan division and in doing so and talking shop with them certain things were said to me that were less than scrupulous which later prompted me to sever ties with them as one of my vendors.

Furthermore, shortly thereafter Western Savings Financial Bank lost their charter through the Federal Reserve system and FDIC however the State California allow them to keep their corporate charter with the state. As you will well aware of for the long as they had only one branch and was an Alton Parkway in Orange County.

You have absolutely no idea who you're dealing with. You are way out of you league with me go home Eat a cookie, or better yet turn on desperate housewives aspire to their level while sipping on your latte and continue to play with fluffy.

I hope this answers some of your questions I tried not to become too in depth, I didn't want to hurt your brain or any reasonable facsimile thereof, you may be holding captive inside your head.

Desidero che lei la vita molto migliore deve offrire, e ha un giorno buono
Translation: I wish you the very best life has to offer, and have a good day

Here is a task for you let's see if the Girlie can figure it out.

Ich stimme mit Ihnen Sie Unheimlich sind berein

Huh sorry switch reels this is in German, see if you can figure it out. I know you will go and ask some one who more than likely smarter than you, that's right someone like me. (then you will lie and say you did it.

Ah ah.. no computer programs(HintGet a book and OOOOOOOhhhh and LEARN

First of all I'm going to address a couple of the preliminary misconceptions that you obviously are trying to run with as a way of spending everything but the absolute truth.

With regards to Westlake financial. I listed Westlake financial as some sort of connection to the Westcorp family. This became apparent to me after contacting the Secretary of State for the State California while investigating this I called Westlake and oddly enough an employee who visited my home for WFS, answered the phone and gave me his name when he answered. It was the same name, and man, I have spoken with this individual twice prior to him coming to my home 6n months later and leaving his business card, the same name was on the business card for him as a WFS field reprehensive.

Here is the fact stop spinning the issue about the name, the fact is no matter the Hell the name is WFS is violating law and damaging people. WFS is doing this under the color of authority (that means using the law to violate law. simplisticallyGet it)

This issue are not my typing, Intellect or you lack thereof, this is using the law to set people up to take with egregious accord monies WFS is not contractually entitled to. These are the issues No more no less.

It was easy for me to contact the Secretary of State for the State California in that I to reiterate and employed by the State of California myself.

At the end of the first sentence you me off from eight my initial contention with regards to Bushsonism stupidism with your statement and I quote " bring it on" he remember his idiotic photo op on the aircraft carrier, however you being the neophyte that you are probably found that so impressive.

With regards to what does having the ability to speak five languages have to do with anything, well I don't want to tax your little mind too much, so I'll just simply say, simply it has to do with the comment that you made before. Furthermore, the ability to converse in other languages is demonstrative of critical thinking, adaptability, and open mindedness all of which you obviously lack.

That of which you are apparently incapable of, at demonstrate as well by most people who I have met working for WFS. Thusly, your derisory resolve to this site for what you consider you din diminutive yet pugilistic assault in defense of WFS. Like so many in this country now who been absolutely dumb down you obviously are nothing more than a simple talking head.

I would contend that if you were to take Barbies head off of her little body and stick on yours, Discernibly one could possibly not tell the difference in the before or after condition.

To reiterate with regards to my ability to communicate in several different languages is demonstrative of the fact that I think critically and do not rely upon what is spoon-fed to me via media, as well as perceptions based upon false proclivities indigenous to the types of lies that permeate throughout corporate America, and most of the idiots in an absolute and abhorrent obsession with the acquisition of money. (I sincerely hope you understand what I just said, although, I doubt it, with statement such as OMG pretty much defines your intellectual prowess).

For all intents and purposes you are clandestinely a mental midget. Perhaps a Pappagallo (huh Parrot in Italian), sorry, truth is often ugly to the liars who hide in a house of lies and false perceptions. For all intents and purpose you possess a tremendous potential as we all do, It would be criminal for you to continue to waste it.

With regards to your statement pertaining to the girl in Texas, yes she has a name however, she took it upon herself f to look into my situation that she observed and later determined during out conversation and looking at my records for the moment what she still had access o my records. Furthermore to reiterate she embarked upon investigating the matter and was systematically told to back off and was locked out of being able to access my account, and further, as was told to referrer me to the Irvine office.

Yes she does have a name, and no I'm not to me tell you idiot because she was honest, forthright, resolute, and was willing to assist in this matter at that particular point in time. I do not know if she still working for your company, however I will respect her, and I will protect her by providing anonymity as to her identity. I do this out of respect for her, and her integrity, something you obviously know nothing about. I do this for her as well as her conscious and concerted effort to aid and assist me, but most of the respect she showed to me by being above all HONEST, that which most working for WFS lack.

I am not contemptuous of anyone who is honest, ethical, moral, and lives well within the realm of honesty, God's honesty, not some placated contrive preconceived notion developed and supported with a pompousness of pretentiousness laden in prevarications of what you see is what it is.

No, I look beyond the words and the B.S. You are here in California the absolute Capital of the biggest and most egregious liars in the country, fakes and pretenders to the thrown who are just like the rest, which are nothing more than common thieves, low-lives, scum, and vermin that soils the very decency that most of us look for and work hard for in life. Yet the grunts those people directed by predispositions of the Wealthy who have amassed their wealth by having inconsequential idiotic servants regurgitating the very garbage you are as well as standing at the door working for bread crumbs and espousing loyalty to the king (In this Case WSF) that is of course after taking your 30 lashes. No it is the proletariats in life that really make life but are in fact victims by you god the WFS's of the world. When you final obtain an intellect and grow a spin
let please let us know.

Please allow me to enlighten your little bit further with regards to this situation.

While coming across W. F. S. financial services I embarked upon investigating the company, by and large for the most part the majority of the information that I secured has come from the following sources.

1. State of California, Secretary of State
2. State California, Department of corporations.
3. State California, Department of finance.
4. State California, Department of Justice
5. The Federal Reserve Department, United States banking system.
6. The office of thrift supervision, United States.
7. FTC (Federal Trade Commission)

If you take issue with that of which I have simply re-canted then take it up with those aforementioned agencies since they are the source of my Intel.

I'm sitting here and I'm reading your third paragraph about the girl in that I spoke with in Texas, I cannot help but feel what a total simpleton you must be predicated upon ludicrous stupidity contained in your statements, alluding to your purported observations that is, if that is what one must call them.

Your statements regarding my comment about you slithering out of your Lair, where you state you really don't care what I say on here, that in fact you just don't have anything to do tonight.

I can see and formidably understand why you don't have anything to do tonight or any night for that matter, since obviously contentiously speaking of course, you obviously do not think beyond what's on sale at Nordstrom's and Macy's while sipping on you latte and stroking fluffy your kitty.

Sadly enough, if your comments on this site are quintessentially indicative of the breath, scope and depth of your intellectual prowess, not to mention mundane and ludicrous utterances of equal ludicrous stupidity and I can understand fully and completely by you are at home apparently alone composing what you think are intelligible responses to my post on this site.

In three words GET A LIFE" or into where it's better yet the what she do best " GO SHOPPING"

With regards to which one of your statements were idiotic, here I will say this only ONCE " THEY ALL ARE" HOWEVER I CONSIDER THE SOURCE.

Let's address the typing issue because to me that's fun. What is fun about it is simply this, unlike you I don't spin my time in the evenings addressing this because I have nothing to do.

I have a tremendous amount to due. Yes, I am a smart guy in fact I have an IQ of 142 but I'm older now, as you know unfortunately being in this country every once in awhile you will become a product of your environment. But Hell I do not have to tell you that, that's why you are at home tonight with the highlight of the evening making your posts to this site.

I can do things you can't even spell let alone pronounce.

And of all of my accomplishments, typing is really not one of them any longer. I say any longer because there was a time in which I made my living in writing incessantly daily. You see working for the State California assisted in providing me with a number of skill sets, additionally; I must clarify not provided by the State California, however the impetus for developing said skill sets was the State California. I am in a constant state of evolution learning and enhancing myself. I do have a background in mathematics, physics, chemistry, and other words the disciplines you ran from shrieking like a banshee in high school and college (presumptively speaking of course) because you probably couldn't handle it critically. I can draw these conclusions about you based upon your statements, further, I can see from your writing your preliminary ideology and functionality is simply, KISS (keep it simple stupid).

It's not about bragging, it's simply about getting an idea of who is posting to this site. Please forgive me for a moment I digress, with regards to typing, as I was saying, I was never formidably a typist, however as a commercial, and industrial real estate appraiser I had at one time typed all of my rep[orts which were and are full and self-contained in in-depth real estate appraisal reports.

And yes they contain serious analysis and mathematics. After doing this for the State California for more than 25 years, and can crudely independently running my own office for 15 years I have typed more than 20,000 reports. I must add however at the time that I had my office I employed then eight appraisers working for me and providing preliminary information but the in-depth narratives I typed myself. Now I tech real estate to those who take real estate exam for sales purposes.

Every time I've posted to this site it is always been at 3/4 o'clock in the morning at the end of my day. Just as you more than likely, as I alluded to before work for W. F. S. I know the mindset and approach is to do as much damage control as you can to augment all of the negative feedback coming into this site about W. F. S. Forget it you'll never stop it because WFS is violating late and participating in criminal behavior.

But with regards to the typing issue. My life I had one typing class when I was in the ninth grade, I was the only boy in the class. I took the class because I knew I was going to college and I wanted to have some sort of skills so that we able to crank out my papers work so for them so on as I saw down the line I felt it was a skill levels necessary to develop.

No I didn't develop well because typing was neither problem-solving nor critical enough in terms of thinking it was simply a case of memorization and perhaps not allowing your mind to get ahead of your hands or in some instances behind your hands.

Yes you're absolutely correct in your assertions and the context of your statement, in that the words are misspelled but not because of mis-spelling but rather poor typing along with factoring in fatigue and assigning a low priority.

Does not missed the words in this typed words, however far be it for the Kettle to call the Pot black, for in your pathetic effort to try to put something intelligent on this site discussing something only you can relate to the merger out of American Corporation and the issues pervasive with regards to it and referring to your statement regarding the Wachovia merger, case in point another talking head issue another corporate thief hiding behind the guise of law and purportedly doing the right thing. Please the names of God get a life.

Again to reiterate with regards to your last paragraph You should take a close look at how you, yourself Ms. Beverly Hills poet laureate you Spell (Spelled) as Speld region last paragraph please line three, further reference the word in bragging and the manner in which you spelled "Braggin" as well as the word surprise of which you chose to spell it Surprised, and what the heck is up with the way you spelled better "Betta" and your list obviously continues on.

With regards to comment regarding the interest-rate obviously you're unaware as to the underwriting process with regards to the purchase of the vehicle of any sort. Most auto dealerships will make a commitment to sell a vehicle to an individual. And in doing so nine times out of ten they do not place you with a specific lender right there on the spot, in most instances any, or at lest as my experience has demonstrated. Often, they will usually have one or two that they will submit your potential contract to, so in effect you really don't know who is given your contract until you get official notification or receipt of your coupon book. Granted some dealerships already have their lenders lined up. During the time my mother and I purchase our vehicle together the dealership had not Idea who they were going to submit the paper work to.

Furthermore, WFS did not become aware of this site until I submitted my very first complaint against them, to more than five regulatory agencies. I'm sure you probably already know I include copies of postings from this site in my complaint as evidence against W. F. S. when I filed my complaints.


WFS are predatory and are violating California state law as well as federal law with regards to finance and predatory lending practices. The real reason you come to this site is to do damage control for W. F. S. Do not waste your time. For all intents and purposes as I've been able to determine Westcorp is simply the parent company with a bunch of bad children that it does not know is misbehaving. It's really sad these companies have to hire people who are so unintelligent, so uninspired, as well as completely and totally unethical.

These idiots working for WFS came to my home would harass my 84 year old mother who by the was just recovering for 4, heart surgeries. Often coming to our front door and harassing her over Monies that WFS already had in their possession, making up and contriving issues to collect further monies they do not and are not entitled to.

If you can't see by all of the posts that follow and proceeded my post then you are stupid or just a callus and insensitive idiot. Further, and you'll deserve what life will bring to you, it's is so very sad to see people driven by stupidity yet the have a mind and capacity ot think but fail to use it.


Let me take it one step further for your since you are the Rhodes scholar of this site now, and Beverly Hills own poet laureate. This is for your won edification, My relationship with W. F. S. goes much further back than what I alluded to originally and initially in my first post.

Now with regards to W. F. S. I had personal relationship with W. F. S. some many years back, when they were in fact; Western financial Savings Bank which later lost its federal bank charter for abusive and predatory lending practices was also one of my clients. I appraised number of properties for them as an independent appraiser. In during meetings with W. F. S. I attended numerous meeting with the heads of the wholesale loan division and in doing so and talking shop with them certain things were said to me that were less than scrupulous which later prompted me to sever ties with them as one of my vendors.

Furthermore, shortly thereafter Western Savings Financial Bank lost their charter through the Federal Reserve system and FDIC however the State California allow them to keep their corporate charter with the state. As you will well aware of for the long as they had only one branch and was an Alton Parkway in Orange County.

You have absolutely no idea who you're dealing with. You are way out of you league with me go home Eat a cookie, or better yet turn on desperate housewives aspire to their level while sipping on your latte and continue to play with fluffy.

I hope this answers some of your questions I tried not to become too in depth, I didn't want to hurt your brain or any reasonable facsimile thereof, you may be holding captive inside your head.

Desidero che lei la vita molto migliore deve offrire, e ha un giorno buono
Translation: I wish you the very best life has to offer, and have a good day

Here is a task for you let's see if the Girlie can figure it out.

Ich stimme mit Ihnen Sie Unheimlich sind berein

Huh sorry switch reels this is in German, see if you can figure it out. I know you will go and ask some one who more than likely smarter than you, that's right someone like me. (then you will lie and say you did it.

Ah ah.. no computer programs(HintGet a book and OOOOOOOhhhh and LEARN

First of all I'm going to address a couple of the preliminary misconceptions that you obviously are trying to run with as a way of spending everything but the absolute truth.

With regards to Westlake financial. I listed Westlake financial as some sort of connection to the Westcorp family. This became apparent to me after contacting the Secretary of State for the State California while investigating this I called Westlake and oddly enough an employee who visited my home for WFS, answered the phone and gave me his name when he answered. It was the same name, and man, I have spoken with this individual twice prior to him coming to my home 6n months later and leaving his business card, the same name was on the business card for him as a WFS field reprehensive.

Here is the fact stop spinning the issue about the name, the fact is no matter the Hell the name is WFS is violating law and damaging people. WFS is doing this under the color of authority (that means using the law to violate law. simplisticallyGet it)

This issue are not my typing, Intellect or you lack thereof, this is using the law to set people up to take with egregious accord monies WFS is not contractually entitled to. These are the issues No more no less.

It was easy for me to contact the Secretary of State for the State California in that I to reiterate and employed by the State of California myself.

At the end of the first sentence you me off from eight my initial contention with regards to Bushsonism stupidism with your statement and I quote " bring it on" he remember his idiotic photo op on the aircraft carrier, however you being the neophyte that you are probably found that so impressive.

With regards to what does having the ability to speak five languages have to do with anything, well I don't want to tax your little mind too much, so I'll just simply say, simply it has to do with the comment that you made before. Furthermore, the ability to converse in other languages is demonstrative of critical thinking, adaptability, and open mindedness all of which you obviously lack.

That of which you are apparently incapable of, at demonstrate as well by most people who I have met working for WFS. Thusly, your derisory resolve to this site for what you consider you din diminutive yet pugilistic assault in defense of WFS. Like so many in this country now who been absolutely dumb down you obviously are nothing more than a simple talking head.

I would contend that if you were to take Barbies head off of her little body and stick on yours, Discernibly one could possibly not tell the difference in the before or after condition.

To reiterate with regards to my ability to communicate in several different languages is demonstrative of the fact that I think critically and do not rely upon what is spoon-fed to me via media, as well as perceptions based upon false proclivities indigenous to the types of lies that permeate throughout corporate America, and most of the idiots in an absolute and abhorrent obsession with the acquisition of money. (I sincerely hope you understand what I just said, although, I doubt it, with statement such as OMG pretty much defines your intellectual prowess).

For all intents and purposes you are clandestinely a mental midget. Perhaps a Pappagallo (huh Parrot in Italian), sorry, truth is often ugly to the liars who hide in a house of lies and false perceptions. For all intents and purpose you possess a tremendous potential as we all do, It would be criminal for you to continue to waste it.

With regards to your statement pertaining to the girl in Texas, yes she has a name however, she took it upon herself f to look into my situation that she observed and later determined during out conversation and looking at my records for the moment what she still had access o my records. Furthermore to reiterate she embarked upon investigating the matter and was systematically told to back off and was locked out of being able to access my account, and further, as was told to referrer me to the Irvine office.

Yes she does have a name, and no I'm not to me tell you idiot because she was honest, forthright, resolute, and was willing to assist in this matter at that particular point in time. I do not know if she still working for your company, however I will respect her, and I will protect her by providing anonymity as to her identity. I do this out of respect for her, and her integrity, something you obviously know nothing about. I do this for her as well as her conscious and concerted effort to aid and assist me, but most of the respect she showed to me by being above all HONEST, that which most working for WFS lack.

I am not contemptuous of anyone who is honest, ethical, moral, and lives well within the realm of honesty, God's honesty, not some placated contrive preconceived notion developed and supported with a pompousness of pretentiousness laden in prevarications of what you see is what it is.

No, I look beyond the words and the B.S. You are here in California the absolute Capital of the biggest and most egregious liars in the country, fakes and pretenders to the thrown who are just like the rest, which are nothing more than common thieves, low-lives, scum, and vermin that soils the very decency that most of us look for and work hard for in life. Yet the grunts those people directed by predispositions of the Wealthy who have amassed their wealth by having inconsequential idiotic servants regurgitating the very garbage you are as well as standing at the door working for bread crumbs and espousing loyalty to the king (In this Case WSF) that is of course after taking your 30 lashes. No it is the proletariats in life that really make life but are in fact victims by you god the WFS's of the world. When you final obtain an intellect and grow a spin
let please let us know.

Please allow me to enlighten your little bit further with regards to this situation.

While coming across W. F. S. financial services I embarked upon investigating the company, by and large for the most part the majority of the information that I secured has come from the following sources.

1. State of California, Secretary of State
2. State California, Department of corporations.
3. State California, Department of finance.
4. State California, Department of Justice
5. The Federal Reserve Department, United States banking system.
6. The office of thrift supervision, United States.
7. FTC (Federal Trade Commission)

If you take issue with that of which I have simply re-canted then take it up with those aforementioned agencies since they are the source of my Intel.

I'm sitting here and I'm reading your third paragraph about the girl in that I spoke with in Texas, I cannot help but feel what a total simpleton you must be predicated upon ludicrous stupidity contained in your statements, alluding to your purported observations that is, if that is what one must call them.

Your statements regarding my comment about you slithering out of your Lair, where you state you really don't care what I say on here, that in fact you just don't have anything to do tonight.

I can see and formidably understand why you don't have anything to do tonight or any night for that matter, since obviously contentiously speaking of course, you obviously do not think beyond what's on sale at Nordstrom's and Macy's while sipping on you latte and stroking fluffy your kitty.

Sadly enough, if your comments on this site are quintessentially indicative of the breath, scope and depth of your intellectual prowess, not to mention mundane and ludicrous utterances of equal ludicrous stupidity and I can understand fully and completely by you are at home apparently alone composing what you think are intelligible responses to my post on this site.

In three words GET A LIFE" or into where it's better yet the what she do best " GO SHOPPING"

With regards to which one of your statements were idiotic, here I will say this only ONCE " THEY ALL ARE" HOWEVER I CONSIDER THE SOURCE.

Let's address the typing issue because to me that's fun. What is fun about it is simply this, unlike you I don't spin my time in the evenings addressing this because I have nothing to do.

I have a tremendous amount to due. Yes, I am a smart guy in fact I have an IQ of 142 but I'm older now, as you know unfortunately being in this country every once in awhile you will become a product of your environment. But Hell I do not have to tell you that, that's why you are at home tonight with the highlight of the evening making your posts to this site.

I can do things you can't even spell let alone pronounce.

And of all of my accomplishments, typing is really not one of them any longer. I say any longer because there was a time in which I made my living in writing incessantly daily. You see working for the State California assisted in providing me with a number of skill sets, additionally; I must clarify not provided by the State California, however the impetus for developing said skill sets was the State California. I am in a constant state of evolution learning and enhancing myself. I do have a background in mathematics, physics, chemistry, and other words the disciplines you ran from shrieking like a banshee in high school and college (presumptively speaking of course) because you probably couldn't handle it critically. I can draw these conclusions about you based upon your statements, further, I can see from your writing your preliminary ideology and functionality is simply, KISS (keep it simple stupid).

It's not about bragging, it's simply about getting an idea of who is posting to this site. Please forgive me for a moment I digress, with regards to typing, as I was saying, I was never formidably a typist, however as a commercial, and industrial real estate appraiser I had at one time typed all of my rep[orts which were and are full and self-contained in in-depth real estate appraisal reports.

And yes they contain serious analysis and mathematics. After doing this for the State California for more than 25 years, and can crudely independently running my own office for 15 years I have typed more than 20,000 reports. I must add however at the time that I had my office I employed then eight appraisers working for me and providing preliminary information but the in-depth narratives I typed myself. Now I tech real estate to those who take real estate exam for sales purposes.

Every time I've posted to this site it is always been at 3/4 o'clock in the morning at the end of my day. Just as you more than likely, as I alluded to before work for W. F. S. I know the mindset and approach is to do as much damage control as you can to augment all of the negative feedback coming into this site about W. F. S. Forget it you'll never stop it because WFS is violating late and participating in criminal behavior.

But with regards to the typing issue. My life I had one typing class when I was in the ninth grade, I was the only boy in the class. I took the class because I knew I was going to college and I wanted to have some sort of skills so that we able to crank out my papers work so for them so on as I saw down the line I felt it was a skill levels necessary to develop.

No I didn't develop well because typing was neither problem-solving nor critical enough in terms of thinking it was simply a case of memorization and perhaps not allowing your mind to get ahead of your hands or in some instances behind your hands.

Yes you're absolutely correct in your assertions and the context of your statement, in that the words are misspelled but not because of mis-spelling but rather poor typing along with factoring in fatigue and assigning a low priority.

Does not missed the words in this typed words, however far be it for the Kettle to call the Pot black, for in your pathetic effort to try to put something intelligent on this site discussing something only you can relate to the merger out of American Corporation and the issues pervasive with regards to it and referring to your statement regarding the Wachovia merger, case in point another talking head issue another corporate thief hiding behind the guise of law and purportedly doing the right thing. Please the names of God get a life.

Again to reiterate with regards to your last paragraph You should take a close look at how you, yourself Ms. Beverly Hills poet laureate you Spell (Spelled) as Speld region last paragraph please line three, further reference the word in bragging and the manner in which you spelled "Braggin" as well as the word surprise of which you chose to spell it Surprised, and what the heck is up with the way you spelled better "Betta" and your list obviously continues on.

With regards to comment regarding the interest-rate obviously you're unaware as to the underwriting process with regards to the purchase of the vehicle of any sort. Most auto dealerships will make a commitment to sell a vehicle to an individual. And in doing so nine times out of ten they do not place you with a specific lender right there on the spot, in most instances any, or at lest as my experience has demonstrated. Often, they will usually have one or two that they will submit your potential contract to, so in effect you really don't know who is given your contract until you get official notification or receipt of your coupon book. Granted some dealerships already have their lenders lined up. During the time my mother and I purchase our vehicle together the dealership had not Idea who they were going to submit the paper work to.

Furthermore, WFS did not become aware of this site until I submitted my very first complaint against them, to more than five regulatory agencies. I'm sure you probably already know I include copies of postings from this site in my complaint as evidence against W. F. S. when I filed my complaints.


WFS are predatory and are violating California state law as well as federal law with regards to finance and predatory lending practices. The real reason you come to this site is to do damage control for W. F. S. Do not waste your time. For all intents and purposes as I've been able to determine Westcorp is simply the parent company with a bunch of bad children that it does not know is misbehaving. It's really sad these companies have to hire people who are so unintelligent, so uninspired, as well as completely and totally unethical.

These idiots working for WFS came to my home would harass my 84 year old mother who by the was just recovering for 4, heart surgeries. Often coming to our front door and harassing her over Monies that WFS already had in their possession, making up and contriving issues to collect further monies they do not and are not entitled to.

If you can't see by all of the posts that follow and proceeded my post then you are stupid or just a callus and insensitive idiot. Further, and you'll deserve what life will bring to you, it's is so very sad to see people driven by stupidity yet the have a mind and capacity ot think but fail to use it.


Let me take it one step further for your since you are the Rhodes scholar of this site now, and Beverly Hills own poet laureate. This is for your won edification, My relationship with W. F. S. goes much further back than what I alluded to originally and initially in my first post.

Now with regards to W. F. S. I had personal relationship with W. F. S. some many years back, when they were in fact; Western financial Savings Bank which later lost its federal bank charter for abusive and predatory lending practices was also one of my clients. I appraised number of properties for them as an independent appraiser. In during meetings with W. F. S. I attended numerous meeting with the heads of the wholesale loan division and in doing so and talking shop with them certain things were said to me that were less than scrupulous which later prompted me to sever ties with them as one of my vendors.

Furthermore, shortly thereafter Western Savings Financial Bank lost their charter through the Federal Reserve system and FDIC however the State California allow them to keep their corporate charter with the state. As you will well aware of for the long as they had only one branch and was an Alton Parkway in Orange County.

You have absolutely no idea who you're dealing with. You are way out of you league with me go home Eat a cookie, or better yet turn on desperate housewives aspire to their level while sipping on your latte and continue to play with fluffy.

I hope this answers some of your questions I tried not to become too in depth, I didn't want to hurt your brain or any reasonable facsimile thereof, you may be holding captive inside your head.

Desidero che lei la vita molto migliore deve offrire, e ha un giorno buono
Translation: I wish you the very best life has to offer, and have a good day

Here is a task for you let's see if the Girlie can figure it out.

Ich stimme mit Ihnen Sie Unheimlich sind berein

Huh sorry switch reels this is in German, see if you can figure it out. I know you will go and ask some one who more than likely smarter than you, that's right someone like me. (then you will lie and say you did it.

Ah ah.. no computer programs(HintGet a book and OOOOOOOhhhh and LEARN

Oh my When you said Western Financial Services Inc.

Did you mean this company?

Western Financial Services Inc

1750 S King St
Honolulu, HI

SIC: Loan Brokers
Line of Business: Mortgage Broker & Bankers

Because again this is not one of the names that Westcorp, WFS Financial, or Western Financial Bank has ever operated under. Ask anyone that works for - has ever worked for - who ever will work for WFS Financial what WFS stands for. Duh! It definately is not Western Financial Services Inc. Funny!

Again and Again, WFS Financial has NEVER been Westlake. And if you have proof "C" bring it on.

Oh and "C" - What does having the ability to - And let me quote you one this one "I can communicate in five languages, write software, built PC and gave never had a class a day in my life." Have to do with WFS Financial?

***Oh wait**** Never have a class a day in my life???? Well how in the world did you get *cough* let me quote this one including the misspellings word for word: "I posses two advance degrees for CIT and NIT Mathmatics and astro-physics, e falo em portuguese do Brazil, Europa, em francais, espanhol tambem."

Oh and the girl in Texas - Does she have a name? Honestly I don't believe this comment because OMG a corporate office again would never be told to "back off". Did she send you a letter stating that she was told to "back off"? Ha Ha! Funny one there!

Oh and let me quote this comment from you... "Well I see Miss Irvine for WFS has crawled out of her lair.....Obviously you have given consideration to your idiotic statements of the past post and want to step into the ring again."

Nope - I don't care much about what you say on here... Just don't have anything to do tonight. :) Oh and I'm sorry "C" are my statements idiotic? Which ones? Can you elaborate on this?

So tell me "C" what do you think about the Wachovia merger? And don't say it's due to legal problems and if you think/know so say why and provide proof.... (because we all know that you are a know it all, with your *cough* "quote again" "two advance degrees for CIT and NIT Mathmatics and astro-physics, e falo em portuguese do Brazil, Europa, em francais, espanhol tambem."

- Maybe you ought to slow down with your typing, because for a Computer Wiz, Math Wiz, Astrophysics Wiz and Language Wiz you sure make a lot of spelling mistakes. Not saying that everything has to be speld correctly but.... Since your braggin about all them degrees and stuff that you didnt obtain from classes... I'm kinda suprised that you couldnt get a betta interest rate or be smart enough to investigate/read your contract before gettin a loan with a company. Oh hell with all dem smarts ya got I'm suprised that you couldnt just buy the car out right. hmmmm what went wrong there?

Oh & Pam, I think you need to find a column discussing Westlake Financial - This board is discussing WFS Financial.

Well I hope that "C" enjoyed my comments and I can't wait to see what he/she replies with!

I too am a victim of Westlake Financial. In a different way. Some of the phone calls I got from them I did deserve. I have been late on my account but not by more than 15 days! I have a relative who worked for a company who dealt with "high risk" auto loans and he has held my hand the entire time. The reason I am a high risk is because I was completely disabled for 1 year and am still recovering. I have no problem paying high interest rates. I knew they were coming. What I did not see coming was the blatent disregard for Fair Collections regulations. This company has notified my family, friends, employers, landlords and landlords parents that I was late on my auto loan and was going to be reposessed. My brother says that is 3rd party disclosure and highly illegal. He also told me to keep records of each and every time the company called my place of business (they are only allowed to call your place of business once unless you state that it is okay and that is to confirm your employment). I have made my last monthly payment today and looked online to see what my late fees are so I can work on paying off. To my astonishment, I found they tacked on over $500 as well as the late fees. I emailed them requesting information on this unauthorized charge to see what it is about and told them I wanted it in writing. BTW- Any employees can give a rebuttal, however, if they were really on the up and up why do the reputable car dealerships refuse to do business with them, Why are they called the "repo house", why are there class action suits on them in other states? My brother jumped through his skin when I told him who my loan was through and is documenting every call to his house regarding my account. Let me know when there is a class action suit in the Los Angeles area...I'll be right there. Paid off or not. It will be nice for them to cut me a check.

Well I see Miss Irvine for WFS has crawled out of her lair.....Obviously you have given consideration to your idiotic statements of the past post and want to step into the ring again.

To begin with the information is as I obtained it from the Secretary of state for the state of California, and since I work for the state of California I am privy to information you can only speculate about.

I spent 2-years tracking WFS, furthermore I did work for WFRS when they were Western Financial Saving Bank. Now they are coming full circle again and have started Western Financial Bank.

No matter what you call yourselves I have found many people here in California who have been victimized by this heinous and illegal company with its band of illiterate jerks leading the parade of corporate thieves.

Additionally, I did speak with a WFS representative in Texas May 2003 and in fact I recorded the telephone conversation. She contacted me on her own later and told me that what was being done was wrong and she saw how insurance was being place illegally on my account. Furthermore the DOI of the State of California concurred as well, Oh lets not overlook the fact that while the DOI was investigating your company, one of your prime Neanderthals decided to add insurance to my account for only the forth time in a 30 month period, again do the math if you are capable. Insurance policies are generally a year, that is 12 months in duration, thusly, the computation is as follows 4 x 12 = 48 months on a loan the had less than 35 month left on it.

How can you insure a vehicle 13 months beyond you legal interest in it as collateral for your loan when you loan matures before the insurance terminates. Besides I had insurance on the vehicle, and this by California insurance code makes what WFS did and is doing by practice illegal. (You learn something Nim-rod)

I have dealt with all of you in the Irvine office and you all are nothing but liars and low-life thieves.

Wake-up you are victimizing people and ruining their lives, try to look beyond the $10.00 an hour WFS is paying you and your coffee break and develop and sense of decency about yourself.

As for learning something I posses two advance degrees for CIT and NIT Mathmatics and astro-physics, e falo em portuguese do Brazil, Europa, em francais, espanhol tambem.

I can communicate in five languages, write software, built PC and gave never had a class a day in my life.

I can address issues you can not spell so feeling competitive bring it on, like your favorite Idiot-neo-con says.

Grow-up!!!! Get a life and develop something other than propensity for shopping and going for latts.

Obrigado
Gracias
Merci Beaucoup
Ringraziarlo

WFS Financial has NEVER Been Westlake Financial Inc.

Previous names are:
W F S Financial
Westcorp Family of Companies
Westcorp Finance
Westcorp Financial
Westcorp Financial Service Corp
Westcorp Financial Services
Westcorp Financial Services, Inc.
Westcorp, Inc.
Western Financial Savings
Westerncorp Financial
WFS
WFS Financial
WFS Financial Dealer Center
WFS Financial, Inc.
WFS, Inc

Your comment about speaking to corporate in Texas is incorrect. it is not possible that a corporate would have to "back off".

Oh and yes maybe you should "learned something"

The stories are all alike. I pray the courts will Stop them from doing this to others . Good luck to all of us . Grandma Nev.

The stories are all alike. I pray the courts will Stop them from doing this to others . Good luck to all of us . Grandma Nev.

The stories are all alike. I pray the courts will Stop them from doing this to others . Good luck to all of us . Grandma Nev.

The stories are all alike. I pray the courts will Stop them from doing this to others . Good luck to all of us . Grandma Nev.

This type of criminal behavior is becoming more and more common place in the loan industry. In 2002, my wife and I were forced to sell our home solely to avoid being defrauded out of our home's equity. Despite the fact we were only late on one occasion, and that was due to servicer's own negligence (The loan servicing company intentionally failed to provide notification, as required by both State and Federal law, that our loan's servicing had been transferred to another company), our loan was wrongfully designated as being in default. The servicing company (Ocwen Federal Bank) has a very long and well documented history of defrauding and/or extorting money from loan customers that have the extreme misfortune of being their client.
Most victims do not choose to do business with this organization, as in my case the loan servicing rights are simply purchased by these corrupt companies. Even though Ocwen is directly responsible for our loss of more than 150K the Federal and State governments have failed to take any action what so ever. Obviously, there's just too much money to be made by victimizing world's consumers. As a result of just one of their lesser scams they profited more than 6 million dollars in a single month. This company currently has more than 27,000 law suits filed against them, yet they continue to thrive. I have been told by an OTS representative that there would be no action taken by the OTS against this company under the current administration. I'm a lead plaintiff in a major class action suit against this company, which has been proceeding at a snail's pace and may never bring any kind of restitution at all. What has happened to our judicial system? Where are all those agencies that are paid with our tax dollars to protect us, the public from these corporate thieves? By-the-way, just ignore the posts that try to dispel what has and is happening here. We know who and what they are.

I CANT BELIEVE YOUR STORY! IT IS EXACTLY WHAT HAPPENED TO MY HUSBAND AND I! EVERYTHING FROM BEGINNING TO END IS MY STORY TOO!

To the author of the response confused and dishonest consumer.

Apparently you are a Western financial services Inc. employee.

I will keep this plain and simple. First of all there is absolutely no confusion nor is there any dishonesty upon my part.

Quintessentially, I had a bilateral agreement with W. F. S..

And in during the course of W. F. S. servicing this contract and in during the course of my performing with regards to said contract W. F. S. did egregiously and illegally violate its agreement with me in its initial agreement.

W. F. S. did in fact add illegally insurance to my account.

The facts as stipulated no matter how hurriedly in this document's presentation, the facts still remained the same.

The facts are every month I paid W. F. S. personally with certified funds. I hand-delivered set funds to W. F. S., furthermore, I never missed paying them wants. Therefore I was in full compliance of my agreement with W. F. S. and that which was outlined to be done bilaterally.

Secondly, I hand carried every payment to my insurance carriers as well,and during the course of paying my insurance agent for my openly active insurance coverage, fully in force at all times, on the vehicle which was collateral for W. F. S. I would have every month while personally standing in front off the insurance agent, I would have the insurance agent call, to reiterat, I said to call W. F. S. insurance division in Irvine and tell them that my vehicle was currently insured with all insurance adequately in place to secure and protect W. F. S.'s interest as required by California law, as well as required via the terms of the initial agreement with W. F. S. financial services.

In other words my fine intellectual of which you seem to miss the point this vehicle has never been uninsured. What makes W. F. S. activities illegal is the fact that W. F. S. is imposing insurance upon my account unnecessarily and without justification and cause. Furthermore, W. F. S. now using the forced insurance proclivity of California insurance law is now taking my monthly payment and applying it to a bogus insurance that W. F. S. has added as well. Insurance policy that W. F. S. knows that there is absolutely no justification for adding. Then to reiterate W. F. S. now takes my monthly payment and applies it the to insurance it illegally is applying to my account by virtue of the fact that my vehicle is already insured.

If in fact what you are saying is true then why did the department of insurance find W. F. S. guilty of insurance violations and are currently re-investigating your company. Additionally, why is it there are three people, myself included with complaints and as a result the California Department of Justice is currently investigating your company?

Literally there are hundreds of stories similarly in place with regards to W. F. S. and its practices. If in fact your company is above reproach as you're trying to imply in this idiotic response of yours why is it you operate under so many different names. Why is it 1989 before W. F. S. was started you operate under the name of Western financial savings bank of which lost its federal charter from the Federal Reserve and FDIC. Although Western financial savings bank lost its federal charter the State of California permitted to keep its corporate status, and thusly, allowing Western financial savings bank to start W. F. S.

Furthermore, if your company is above reproach then why is it when I contacted your corporate offices in Texas they meaning the representative that I spoke with also found and saw the irregularities and practices stemming from the Irvine office in California. She told me she would look into the matter immediately. She requested that I returned a call to her within 48 hours. I did precisely that. Upon returning my call to her she told me that she had been chastised and told to leave the situation alone. Additionally, she told me that Irvine office had locked her out of my account. She agreed that the insurance charges were inappropriate and were completely unsubstantiated. Now, this came from your own corporate headquarters in Texas.

Also need I remind you that I have every insurance policy ever added to my account. I also got letters from Balboa casualty in Irvine attempting to absolve themselves of all responsibility in this matter. Furthermore, when I initially filed my compliant with the department of insurance State of California your company was not aware of the fact that he was being investigated by the Department of Insurance. It was during this time that W. F. S. attempted to add for a fourth time $1800 and insurance to my account.

However at this time the Department of Insurance was right in the middle of their investigation and upon the submittal of this new addition of insurance only the fourth addition in less than 24 months, combined do the math Sherlock an insurance policy is good for 12 months your company add 48 months of insurance to a loan that had only a life of 37 months left in it.

Essentially what W. F. S. did was as I paid my contract principal down W. F. S. was adding the money back so in effect when I completely paid this loan off as of October 2004 based upon the insurance that you idiots added WFS was claiming I still owed $7,000 based upon the bogus insurance charges and premiums. Therefore, I paid 42 months on the 48 month loan at a rate of $355-$455 a month, which by the way is called a principal reduction. By overpaying a principal amount the loan pays off early and that is what I did.

But here W. F. S. is saying that I still owe more than two thirds of what I agreed to pay after paying 42 months on a 48 months loan. By the way dummy, I never ever missed a payment(to repeat again). You equated this scenario to politicians. I'm afraid you miss the point again. When I made reference to the Bushsonians I was referencing a stupid way of thinking of which you have clearly demonstrated in your rebuttal.

Get your dumb a*s back to school and learned something, that is probably why you guys and W. F. S. must resort to blatant thievery in order to make your money.

Please note that it is somewhat of a paradox and an oxymoron that in order to be a thief one must be intelligent essentially you are incapable of either demonstratively as contained in your response or rebuttal. Consider seeking employment elsewhere,..... McDonald's may have openings.or better yet sign up for the military.

Liars and theives, like Flies and Fleas, Absolutely the same level of Intlligence.

I had the same issue with WFS where they sent me a bill for insurance saying I didn't have any when indeed I did, but I called them, faxed proof of the insurance and they reversed the charges post haste. I do feel a little neglected though, they have never sat outside my house or the houses of any of my relatives. I thinking that's because I MAKE MY PAYMENTS!

Wow, you actually believe that there are politicans who are "bought off" by WFS Financial. You are so far off.

First, let's cover the insurance issue. They don't illegally had the coverage. Read your contract. You're required to have liability and comp and collison insurance on the vehicle. A lot of times dealerships and insurance agents won't notify us of this info. So for about three months are so we'll send you letters and call you so you can send us the info or get a hold of your insurance agent to do so.

We make it so simple, your insurance agent can call the insurance service center (not WFS, but a paid outside company that manages insurance along, not our specialty) or you can even go to a special website which takes less than 5 minutes to report all of the information yourself. How simple is that.

We'll also call your insurance agency for you. Since we don't manage your insurance just your policy we actually have to conference the call with a rep at Balboa (the company that mangages the insurance and proof of insurance). You probably had problems because you didn't have the right coverage and/or you never had insurance in the first place.

We don't want to charge you for insurance, we pay for it up front when we do and we'll do everything to get proper proof for you. Also, each policy is a max of $1,999 for one year so your totals seem a little off. From your math of how much you've paid on your account you probably had a simple interest loan and just don't know how it works. You should read your contract or call a rep, they would explain it to you in however much time it takes for you to understand it. Even giving you to formula to let you understand how much interest your charged and how.

If they were trying to contract your mother and called your references it sounds like they had to do a skip trace on you. Since they showed up to your sister's house you probably moved and changed your phone numbers and never contacted us...ie you were getting repo'd because you were extremely behind on your payments and were hiding the car.

Western Financial Bank and WFS Financial is owned by Westcorp. Yes we've changed names several times but that's due to changes in CEO's which happens a lot by large companies. So of those names you mentioned were incorrect a lot of your info is way off base. There isn't any headquarters in Texas just some local branches ie collection agency and a large location for call centers. Our "headquarters" our in two buildings in southern california.

As for as changing your due date you probably mailed you written notice to the address where your payments go and no human received since the payments are processed by machine. If you call customer service they'll let you know to write five things on a sheet of paper and fax it to us. As long as you've signed it and haven't changed your due date in the past we'll accommdate you. We have no problem doing so, we're not out to get late charges. We spend a lot of money each year paying collection reps to call you to get our money.

To date WFS is attempting to further distance themselves fro the violations they have been caught in. In and during the past pre-Bushsonian Stupidism companies such as this would be prosecuted to the fullest extent of the law.

A company by the name of "SURE-TECH" collection sent me a letter in November of 2004. I made mention of it in my previous update to this file. As required by federal law SUR-TECH apprised me of the dept and formally ask me if the debt was valid from my account.

Upon receipt of the letter I responded post-haste with a firm denied and affirmation that I did in fact have a loan with WFS but that WFS was a predatory lender trying to use the State of California Insurance Codes and Laws to force me to pay them $6,000.00 more than I borrowed on the loan originally. that said insurance WFS was adding every 4 to 6 months to my account along with $1,100.00(+) in administrative fees.

during this time I had without WFS Knowing filed a formal complaint with CDI (California Department of Insurance)and while in the middle of the insurance investigation WFS attempted to add yet and additional $2,000.00 to my account. The investigator
a Helen Stresnak of the CDI saw this and told them to remove the insurance. However she refused to make them remove the other instances where they in kind added insurance. She then told me to get a lawyer because what was done was illegal. Yes that's is right she is the investigator and the regulatory agency and she told me to get a lawyer.

She in effect did not do her job. She admitted the action were illegal yet did nothing.

I have file several other complaints as listed in my first report and am waiting for the spineless results.

I paid the loan on time and met all of my requirements as set in the contract did not waiver once and to date WFS has:
1.Trashed my credit
2.Harassed me and my mother
3.Called my home when told not to
4.stakeout my home, my sisters home, called my clients.
5.lied to the agencies thus far investigation them.
6.turned my account over to a collection agency when the debt is paid off completely now and early no less.
7.the collection is threatening me to sue and report me to IRS

America????? Home of the what?????

will update further

First of all I want to apologize for the absolute horrible typing and spelling of my initial report, I had been up 24 hours with no sleep and started the report at 2AM.

WFS now in an effort to distance themselves from me and my loan have in fact turned it over to a collections agency that is in some way affiliated with them.

It is their way of trying to legitimatize the additional $6,000.00 above the contract amount of my loan that I had with them. I say had because in and during the term of the loan I over paid intentionally in an effort to invoke what is called a principle reduction. Doing so simply allows you to pay off a loan before the termination date of the loan. As of Jan 2005 my loan i s as defined via the contract completely paid off. A loan scheduled to pay off August 2005.

WFS contends that I still owe over $6,000.00, hell the loan amount was only 9,000, and to day I have been paying without missing one payment for 41 months at $350.00/mo. Do the math 3.5 years of fully amortize payment and I still owe 2/3 of what I borrowed?

Facts:

1.Paid all of my payment on time
2.Over paid the contracted agreed amount
3.Always had insurance on the vehicle
4.Paid loan off early 41 months instead of 48 months
5.Every month took the payment to WFS in certified funds
6.Every month had the insurance company call WFS while I was
standing in front of then and inform WFS my vehicle was insured

Fact:

1.WFS had repeatedly added insurance to my account throughout the length and term of my loan with them.
2.They always had first hand knowledge of my insurance coverage, called them every month like clock work and they were told and faxed.
3.WFS had added bogus late fees to my account over $1,100.00 associated with the insurance.
4.Filed insurance complaint against with Depart. Of Insurance.
5.During the investigation by the Dept of insurance WFS added yet another policy to my account and the Dept. of Insurance saw the violation take place.
6.WFS have now turned my account over to a collections agency.
7.Justification for collections "none' I was never behind on the loan and I always had insurance.

Final Action on my part: looking for participants to a class action additionally I am pursuing litigation.

Chuck

First of all I want to apologize for the absolute horrible typing and spelling of my initial report, I had been up 24 hours with no sleep and started the report at 2AM.

WFS now in an effort to distance themselves from me and my loan have in fact turned it over to a collections agency that is in some way affiliated with them.

It is their way of trying to legitimatize the additional $6,000.00 above the contract amount of my loan that I had with them. I say had because in and during the term of the loan I over paid intentionally in an effort to invoke what is called a principle reduction. Doing so simply allows you to pay off a loan before the termination date of the loan. As of Jan 2005 my loan i s as defined via the contract completely paid off. A loan scheduled to pay off August 2005.

WFS contends that I still owe over $6,000.00, hell the loan amount was only 9,000, and to day I have been paying without missing one payment for 41 months at $350.00/mo. Do the math 3.5 years of fully amortize payment and I still owe 2/3 of what I borrowed?

Facts:

1.Paid all of my payment on time
2.Over paid the contracted agreed amount
3.Always had insurance on the vehicle
4.Paid loan off early 41 months instead of 48 months
5.Every month took the payment to WFS in certified funds
6.Every month had the insurance company call WFS while I was
standing in front of then and inform WFS my vehicle was insured

Fact:

1.WFS had repeatedly added insurance to my account throughout the length and term of my loan with them.
2.They always had first hand knowledge of my insurance coverage, called them every month like clock work and they were told and faxed.
3.WFS had added bogus late fees to my account over $1,100.00 associated with the insurance.
4.Filed insurance complaint against with Depart. Of Insurance.
5.During the investigation by the Dept of insurance WFS added yet another policy to my account and the Dept. of Insurance saw the violation take place.
6.WFS have now turned my account over to a collections agency.
7.Justification for collections "none' I was never behind on the loan and I always had insurance.

Final Action on my part: looking for participants to a class action additionally I am pursuing litigation.

Chuck

First of all I want to apologize for the absolute horrible typing and spelling of my initial report, I had been up 24 hours with no sleep and started the report at 2AM.

WFS now in an effort to distance themselves from me and my loan have in fact turned it over to a collections agency that is in some way affiliated with them.

It is their way of trying to legitimatize the additional $6,000.00 above the contract amount of my loan that I had with them. I say had because in and during the term of the loan I over paid intentionally in an effort to invoke what is called a principle reduction. Doing so simply allows you to pay off a loan before the termination date of the loan. As of Jan 2005 my loan i s as defined via the contract completely paid off. A loan scheduled to pay off August 2005.

WFS contends that I still owe over $6,000.00, hell the loan amount was only 9,000, and to day I have been paying without missing one payment for 41 months at $350.00/mo. Do the math 3.5 years of fully amortize payment and I still owe 2/3 of what I borrowed?

Facts:

1.Paid all of my payment on time
2.Over paid the contracted agreed amount
3.Always had insurance on the vehicle
4.Paid loan off early 41 months instead of 48 months
5.Every month took the payment to WFS in certified funds
6.Every month had the insurance company call WFS while I was
standing in front of then and inform WFS my vehicle was insured

Fact:

1.WFS had repeatedly added insurance to my account throughout the length and term of my loan with them.
2.They always had first hand knowledge of my insurance coverage, called them every month like clock work and they were told and faxed.
3.WFS had added bogus late fees to my account over $1,100.00 associated with the insurance.
4.Filed insurance complaint against with Depart. Of Insurance.
5.During the investigation by the Dept of insurance WFS added yet another policy to my account and the Dept. of Insurance saw the violation take place.
6.WFS have now turned my account over to a collections agency.
7.Justification for collections "none' I was never behind on the loan and I always had insurance.

Final Action on my part: looking for participants to a class action additionally I am pursuing litigation.

Chuck