Capital One Auto Finance Total Harrassment and Completely Rude Plano Texas

I have had a loan with Capital One Auto Finance since 2005. We have been current and on time with all payments up untill now due to an accident which has left me completely disable and unable to work. Became disabled in April Of 2007. We have been able to keep up with our payment up until recently. We are 16 days late. We called Capital One Auto Finance prior to being late with our payment to let them know that we were going to be late and asked if there was anything they could do to help us. We asked for a defferrement and were denied. They said we needed to be delinquet in our payment first before they would help us. Feeling like I had never heard anything mor ridiculous before in my life I called again and talked with a different CSR to verify what I was told. YES you have to be late first before they will concider helping you. Well let me tell you on the second day of them not receiving their on time payment they called and called and called. They have called me everyday 10x a day. The calls start at 8:30 am and go until 8:30 pm. Even when you call them and tell them of your curcumstances they don't care and they do nothing to help. spoke with a manager today and asked again for a deferrement and was denied. Asked if we could re- negotiate our contract for a lower interest rate and was told no. They do not refinance their own loans. He proceeded to tell me how irresponsible I was ( yeah, I totally asked to be in an accident and loose my ability to work,pay my bills and provide for my family) what the hell. I have never hated a company so much in my life. I cant believe how any of this is legal. The rudeness and harrassment has to stop. Yes I'm responsible for making the payments, but things happen in peoples lives that come unexpectedly and drastically effect life. There should be help of some sort out there to help out people who have had an EXTREEM life changing occurence. I also informed the manager that I would be filing a complaint with the BBB and he said he didn't care and then hung up the phone. Capital One Auto Finance is a ruthless, cruel and Unsimpathetic Company which should be removed from doing business. They have very poor business practice.

Cbarnes
Utica, New York
U.S.A.