i got a toyota corolla brand new in 2003 and was approved by a financial credit union (which i loved !) anway after 2 years regional acceptance bought them out and took over my car loan . ever since i have been with this company i have had nothing but problems ! i have only been late on my payments 2 times in the past 5 years but they are saying i am always paying my payments late and are charging me late fees and interest. they call me continually every day mondays -saturdays starting from 8am - 9pm . every 30 minutes . YES 30 minutes i have timed them . once i was on the phone with a supposedly customer service rep and while i was talking to them on the phone another person from regional acceptance was beeping in on the other line . they have called my job and told the receptionist they were coming to get my car . it was so embarrasing . the manger of my job had to tell them they were harrasing me and to stop or she was going to call on them . they finally stopped calling me at work but still call my phone 50 times a day. and i am not even behind on my pymts ! at purchase my car was 18,000. my carpymts are $ 400 a month and its been 5 years already . so i have proabally paid around $ 26, 000 so far and when i called to find out my payoff balance they told me i still owe them $ 8,000 . i was supposed to be paid off this year but now its going to be around 2 more years before i get it paid off and paid $ 36,000 for a 18,000 toyota corolla . i have tried to trade in but i am upsied down and noone will touch me . i love my car but i am fed up and sick of how much money regional acceptance is ripping me off . please contact me if this has happened to you . and even if hasnt yet bc it will ! we need to stop this company !!!!!!!!!