Wilshire Consumer Credit dba Westlake Financial Loanshark Behavior - Title Loan - Repossessed Car When No Money Due! Los Angeles California

I have same problem, I get $5,500 from them, I already paid almost $10,000.00 but now I more more then I get, my balance as of today $6,437.79. They didn't provide any papere if you request. They repossess my car 2 month ago I paid $2,000.00 to get my car back. Ask them for release paper but they refused to provide it. I filed complaint with California department of business oversight, but I need a attorney as well, If you get one please contact me with information. Thank you.

Hi Shirley, 

I looked up your case and noticed you have a hearing tomorrow in which they are attempting to Demurr.  I am not surprised.  I have not yet read your official Complaint, but I imagine it is the same as all of ours.  Can you lead me to an attorney who might be able to assist and an accountant who might be interested in doing an audit on my payment history.  After numerous and repeated errors at my expense, again Wilshire told me today that I have to wait as long as it takes them to make adjustments to their erroneous fees and expenses added on to my history (which last time took 3 months) and if I want a current payoff balance, it is not their fault that the accounting is wrong- they blamed the Repo company despite their admission that fees are indulgent and incorrect.  The repo never should have occurred in the first place, as they did it while I was on the phone confirming payment with them and they placed me on hold.  I knew the loan was high interest, what I didn't realize is they would take your car whether you made good on the loan or not.  

I have consulted several attorneys since August with great advice, but am seeking some local assistance as they are in Northern California and San Diego.  I have copies of initial contract, receipts of Western Union (cash) payments on different dates than applied to account, and two Notice of Intent letters that both have incorrect information on them (to Wilshire's admission).  Though there is a message on the entry of phone calls notifying that phone calls may be recorded, of course they freaked out when I told them I am also recording.  They tried to tell me they had to offer consent.  I know the law- all they need is advisement.  Otherwise they would need my consent to recording as well rather than just their advisement-that's how bullying and ignorant they are.  What legitimate company would be afraid to have verifiable evidence of all they tell us after all?  Please contact me so I can read your complaint and discuss my case with your attorney.  

What did you do?  Did you file a lawsuit?

I filed a lawsuit this month against WCC, Westlake Financial and Nations Recovery (towing company).

It's filed in Orange County, Santa Ana, Central District case number 30-2014-00741500.  

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if you want to compare the issues

I have a $3,000 loan from them, always made on time payments and one morning I woke up and my car was gone. After contacting the police department I found out it was repo'd. After talking to Angel who I guess is my account manager, he said that I hadn't made a payment this month! Knowing this wasn't true cause I'm the one who wrote the checks myself AFTER trying to pay online, which is how i was told i could pay and actually prefer to pay. I checked the last three months of payment stubs where I had the check number and date mailed written on it. Angel insisted I never paid anything, so I checked my bank account and saw that the check was never deposited. I insisted that I had mailed it but at this point I knew I was screwed. I paid the payment right then, which had to be in cash through western union only. I also had to pay a $400 repo fee and some other minor fees that totaled like $120 or so. It then took them 5 days to send the release to the tow yard. Well, about a week or so later guess what I get in my mailbox? Three envelopes that have "return to sender not at this address" written on them, and whats inside? MY PAYMENTS! I checked the address on their payment coupon with the address I had written on the envelope and they matched, so I hadn't sent it to the wrong place. I figured they either knew I sent the payment and just wanted the extra repo fees or they lost it and instead of owning up to it when it was found, just sent it back to me. I called them to let them know that they had returned the payment back to me and that I had paid it, and that I expected to be reimbursed for the fees. They basically laughed at me and called me a liar. The next day I received another bill from them stating that I owe $680 in "other unpaid fees". When I called and asked about it they said it was their fee because I got my car repo'd. I told them that I already paid over $500 just in repossesion fees and they told me that that was the fee JUST TO GET MY CAR OUT, and that this fee was for the inconvenience of them having to repo the car from me. I tried explaining what had happened, but it was useless. Since then I have kept up with my payments, but I refuse to pay the extra $680 fees they added, and are trying to repo my car AGAIN for that. With all of that, I have already paid over $4000 to them and they say my payoff amount is just over $5000!
I am in California and I URGE anyone else in California to file a small claims suit against them, report them to your local DA, and the attorney general. I haven't had my court date yet, but after much research I have found A LOT of their business practices are illegal! Not to mention their collection practices being that they have contacted almost all of my family members several times after each one has asked them not to, and have come to my house ringing the doorbell and kicking the door several times late at night, once they came at 4:30am.
They lie about being able to pay online, they lie about fees, they lie about not receiving payments, their collection practices are illegal, and their interest rates are usury. I would like to suggest that everyone, and their are plenty of us, who have been ripped off by this company colaborate togetherThresh can only get away with this as long as we let them.

feel free to contact me vis email at: rochellekirk@ymail.com